Sunday, 30 December 2012

Easy Financial Resolutions for 2013

Spending less and saving more is the third most common New Year’s resolution.But once you make it your chance of success is about 8 per cent. But if you make a realistic one and make one often you’re more likely to succeed. Those who make a resolution each year are ten times more likely to keep them. Here are my top 5 money resolutions for 2013 to make and my #1 to avoid. 
 
1. Weekly cash-free day
A day where you stay close to home, spend money, eat out of your fridge and take stock of all you did that week.


2. Save at least 5 per cent more 
Whatever you are doing right now when it comes to saving, boost it by 5 percent. If you are saving nothing then this is a good small step towards getting financially ahead. Once you’re comfortable saving this small amount boost it again, until you are saving your maximum amount without hurting your lifestyle.

3. Give to charity
Even if its only 5 dollars a month, find a charity you believe in and start donating. Set it up so it comes out of your bank account every month, NOT your credit card. When charges are on our credit card we tend to be on autopilot when paying them. Make sure you feel how important each of your donations are when you see the money withdrawn from you account. Giving it away makes you appreciate your own money.
4. Find a saving buddy
Try the buddy system. Sharing similar financial goals will keep you accountable, and make saving more fun. Look for someone in a similar financial situation as you and someone you see socially often (this will make it easier to keep track of each other). Make each other your phone a friend when you feel the impulse to shop or spend money. By calling and talking it out you can make sure you are making the best decision about your money.

5. Leave the car at home once a week
Walking, cycling or taking transit will save you money on fuel and possibly parking, and can promote good health at the same time. 
 
#1 Worst money resolution
Get out of debt and save money
It’s to broad and without a plan the chance of success is low. You need to first take smaller steps like the resolutions mentioned above. This will help you work towards being debt free and financially happy. Saying you’re going to loose 25 pounds this year but then never exercising is the same as saying, I’m going to be debt free and never making plan.

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