Tip 3: Learn How to Create a Better ‘To Do’ List
When we make resolutions, we tend to resolve to do certain things. Eat healthier meals and snacks. Exercise 60-minutes every day. Pay an extra $150 to our credit cards each month.
These are all pretty typical resolutions for ways to improve your life, but that can also be the problem. For instance, eating healthier meals and snacks takes a lot of effort. From shopping and learning how to interpret nutrition labels, to preparing, cooking, and even storing ready-made items, if your plan doesn’t include all of the steps it takes to allow yourself to achieve success, you’ll quickly get discouraged.
To exercise 60-minutes each day might even require your partner’s commitment to your goal so that household obligations or childcare duties can be rearranged to accommodate the minimum 7 hours each week that you’d need to spend on making your resolution a reality. Adjustments can of course be made, but if you don’t plan them in right from the start, you might unfairly beat yourself up for falling short of your goal.
If your goal is to pay extra money to your credit cards, where will the money come from? Will you spend less, work more, or do a bit of each? All three options require planning, and if you have a partner, it’s wise to outline your budget make your plans together.
Changing Resolutions to Debt-Free Solutions