Crossing Over on the Same Page

It’s that time of year again when when we detox, reflect and decide on “new year resolutions”. But have you ever stop to think about your 2015, 2014, 2013″New Year Resolutions”: weight loss, new job, buy a car, save and invest, become debt free….the list goes on.

2016 is a few hours away and already you are saying “I must lose some of this weight in 2016.” Hold a moment, didn’t you say the very same thing around this time last year and the year before. Ha ah! Yes you did. So what will be different this time, gym? healthier meal choices? exercise? green juice diet? O yes! DIETING!!!

Well let’s be real, you hate the gym, you work late and miss most evening workouts because you cannot afford to miss deadlines at work. Oh, don’t forget that the children are to be picked up from nursery, after school programs etc. You started January and February eating healthy and exercising but now its December, you don’t even realize you’re back into your normal modus operandi. You had a support team but the team has faded, not your fault, come on now, you were too busy to meet once then twice then always.

OMG! you owe so much money; car loan, mortgage, student loan, credit cards, furniture/appliance/ vacation etc! You recognized that all or most of your salary goes into repayment of debts and you had a GREAT plan to reduce the debts by the end of the year and increase your savings and investments. Where are you now?

Too often, we make resolutions without a plan. Too often we make plans without a strategy. And too often we develop strategies without sharing them with those who will be directly impacted by them or can provide guidance. Are you existing in the continuum – consistently crossing year to year with the same issues? Yes? OK then do “something” about it!!!

Solutions to help maintain and achieve your New Year Resolutions:

  1. Write down each plan separately, determine the timeline by when you want to accomplish each, identify the resources that will be require to actualize these plans and set yourself reminders.
  2. Ensure they are Specific, Measurable, Attainable, Realistic and Timely (SMART)  and simple.
  3. Develop plan B, C, D to Z if necessary. This is when you consider most if not all the ‘what ifs’. Yes, your plan may not go the way you want it to, therefore, a wise planner mitigates against risks and constraints to reduce anxiety and stress.
  4. Always remember there is another “New Year”, so it is important to have some plans starting in the 6th or 10th month of the year and end the sometime in the next year or next two years. All I’m saying is, don’t try to break any records here, you are not Usain Bolt! This is your life, live it realistically.
  5. The last but no means least, SACRIFICE!                                                                                  i. The money for gym fees, pay it to your loans, and YouTube simple exercise routines and be consistent, you will see great results. Also do more walking, take the stairs at least 3 times a week                                                                                              ii. Pack lunch – healthier and cheaper                                                                                      iii. Consciously Fast once per week, it helps with weight loss , saves money and helps you spiritually                                                                                                                      iv. I know your friend support your bbq ticket last year but that doesn’t mean you should purchase tickets for every fish fry or bbq event in your office                                                                                               v. We have Easter, Independence, Memorial holidays,  this doesn’t mean you should party for every event. Stay home, relax and reflect, it will save you thousands that can be saved/invested or help you get closer to a debt free life.

So, you’re thinking. I know you are, with that said, I won’t go any further than ask – will you be crossing over on the same old page?

 

 

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