Lifestyle Changes And Goals For 2016 Not New Year’s Resolutions

goal-976853_6402016 is just a few days away and now is a good time to set some personal finance goals or lifestyle changes for the New Year. Some may say I am talking about New Year’s Resolutions, no, not really.

New Year’s Resolutions

I am not too keen on the term New Year’s Resolutions. Around 90% of people do not keep their resolutions, many are made on the spur of the moment, on New Year’s eve maybe even after they have had a few glasses of happy juice. Most are never written down and few actually have a specific measurable standard that will determine if the resolution is met.

For example, many people say “for the new year I am going to lose weight”, or “I want to make more money this year.” The issue with resolutions like these is they are open ended, there is no specific end date nor is there a specific gauge to measure if you have met the resolution.

Lifestyle Changes

What I prefer and encourage people to do is set goals that are actually based on lifestyle changes. Make the goal specific, with something that can be measurable. For example “In 2016, I will lose 30lbs by cutting out junk food, and starches. I will weigh in every week to ensure I am on track of losing 2.5lbs each month” or “In 2016, I will increase my savings by 10% each month. I will do this by eating out only once a week instead of five times a week. I will take the money I would have spent on eating out and put it in savings. I will also have an additional 3% of my paycheck automatically routed into savings”

You see how these goals are very specific and can be measured every week or month to ensure you are still on track. I highly encourage you to write down your goals, put a copy on your refrigerator, the bathroom mirror or even as your screen saver on your computer, creating a picture type file for each goal and have them run as a slide show on your computer.

Don’t Over Extent

Don’t set yourself up for failure. Set four to seven goals and lifestyle changes for the year and try to focus on all the major areas of your life. For example:

  • Spiritual Growth
  • Personal Finance
  • Relationships
  • Work/Career
  • Self-Improvement/Education
  • Physical Fitness
  • Relaxation

Write them down

Set an alarm to remind you to review your goals daily, or at the very least weekly. Organize them in a app on your phone like maybe Evernote or Strides. Track how you are doing and adjust in areas where you are falling behind. Remember, this work is about you and improving who you are and how you live your life.

An excellent resources and good read for writing down your goals is Write It Down, Make It Happen: Knowing What You Want And Getting It

Have An Accountability Partner

We all have busy lives. It is so easy to put something else as the higher priority, but you must overcome this and tell yourself if you don’t put you first, your will be at least exactly where you are today and the end of 2016.

It is important to have an accountability partner, share with someone you respect what your goals and lifestyle changes are for yourself for this year, even share with several people, maybe share your relationship goal with your spouse and your fitness goal with a good friend. By sharing your goals with others you are allowing them to hold you accountable for your new goal and they can also help you along if you run into challenges are start falling behind.

Sharing with someone else will also encourage them to set their own goals and lifestyle changes so maybe you can both work together.

In addition, please share with me below what your goals are, we can help keep each other accountable.

May God Bless you in 2016 and Good Luck with your goals and lifestyle changes.