New Year’s resolutions are difficult to keep. If they weren’t, gyms would be overcrowded, health food stores’ profits would soar and our budgets would be strictly honored.
Many times, our New Year’s resolutions fail within months or even weeks of making them. There are dozens of reasons they don’t stick. Maybe your five-days-a-week gym schedule didn’t work out because you have to work late too often. That goal of making homemade meals every night didn’t stick because it takes too much time and money to shop and prepare healthy food.
The trick to sticking with these resolutions comes before you actually make them. Ask yourself what is realistic for your lifestyle and what you need to do reach your goal. Keeping a budget for 2015 is a great New Year’s resolution, but only if you’ve done the research and planning to create a realistic budget for your household.
Before you set hard goals for 2015, take some time to review your spending in 2014. Some expenses may surprise you. You may learn valuable information about your habits. Most of all, you’ll get a better idea of where your money is going now to plan for where it will go in the next year.
Check back with us next Monday. We’ll have a new Centra Blog post each week.