Here’s the thing though. January first isn’t a magical day. It’s just another tomorrow, and you aren’t going to wake up as a whole new you with different habits than what you have now.
If you don’t already exercise every day, you aren’t going to have the motivation or time just because the calendar changed.
If you don’t already save money each month you aren’t going to start by saving 1000$ a month consistently just because you want to. You have to start by consistently making and keeping to a budget. Then you can save smaller and more realistic amounts consistently, based on your budget. Then when you know you can save 100$ a month regularly and you’re comfortable budgeting, you can keep bumping that number higher.
If you haven’t picked it up yet, the key to making New Year's resolutions work is to take baby steps. Set goals that are so small that you know you can keep them. This teaches your brain to be consistent with a totally new habit. Then after doing it for a month or two, you revise the goal as you feel fit to do a little more.
People always overestimate what they can do in a day and underestimate what they can do in a year so start small. Learn consistency with a small new habit, and you’ll be able to reach your end goal in time.
Here to help,
Your Financially Fit Team