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Credit Card eZine - News and Articles about Credit Cards

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How To Make Your Financial New Year’s Resolutions Stick

[January 2nd, 2017]

If you’re like most of us, your New Year’s Resolutions start off with a bang in January and die on the vine sometime around Valentine’s Day, when the pull to consume a box of candy hearts or some Godiva chocolates is stronger than the pull toward the yoga studio.

However, if your New Year’s resolutions had less to do with eating better and more to do with spending and saving better, you might actually have some better luck with them. Making financial resolutions for the New Year could actually be a refreshing relief, if you’re used to making resolutions only about what you’ll consume and how much you’ll exercise. The great thing about financial resolutions is, you can eat whatever you want while you’re practicing them. Unless maybe it’s a five-course meal at the fanciest steak house in town, and your budget is more on the fast food level.

If you want to make some financial resolutions that’ll stick this year, here are a few things to consider:

Make your resolutions realistic. Don’t vow to cut out every indulgence in your life and suddenly start putting half your paycheck into savings, if you haven’t been putting anything away for the last year. Start small, and build in some room for error. It’s fine to still stop and get your fancy coffee every morning on the way to work. Don’t try to turn over an entirely new leaf overnight, and you’ll have a better chance of keeping your resolution.

Consider ways to make things easier on yourself. For example, if you’ve resolved that you’ll pay off all your debt this year, give yourself a head start by applying for a balance transfer credit card. This way, you won’t pay any interest for a while, and you’ll be able to pay down your debt much faster.

Change doesn’t happen overnight. In the stroke of the clock, the year changes over from one number to the next, and that’s that. But in our lives, it’s not so simple. Know that it may take time to integrate changes into your life, and be patient with yourself. Don’t give up on your resolution if you blow it once – or even a dozen times. Keep at it, and you’ll get there.

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