The tree is gone and the decorations are packed away for another year. It seems like we prepare endlessly for the holidays, but before we know we are ringing in the New Year and making a resolution. In the past years, I have made resolutions to pay off debt, save more money, and to lose a certain amount of weight. Unfortunately, I usually fail to fulfill my resolution by the time the year ends. I’m not the only one though; it’s no secret that most people break their resolutions each year! The reason for this is because our resolutions tend to be end result based. We think of our ultimate goal without thinking of how we are going to get to it.
Resolutions should be based on making changes to behaviors that will get you to your ultimate goal. I have struggled with my weight since giving birth to my daughter three years ago. Besides not losing all the baby weight, I failed to reestablish the same healthy lifestyle choices I lived by before becoming pregnant. That’s why my New Year’s resolution this year is not to solely achieve a certain weight, but to change the behavior that made me get to the weight I’m presently at. I sat down to figure how I can change my unhealthy habits. The key for me is to plan ahead. At the beginning of each week, I now plan my family’s meals each night and the time of day I will work out each day. This eliminates the temptation to order out salty food and not workout.
My second resolution is to change my spending habits. Saving money is hard. It’s like exercising and eating healthy, we all know how to do it, but we fail to do it because we don’t change our behavior. To get started I took SunTrust’s money personality quiz, a fun tool to lead you in the right direction. At the end of the quiz, I had the opportunity to explore content that is relevant to my results. It gave me inspiration and more direction to improve my money habits in 2015.
I looked over my monthly budget to find one thing thing I could either reduce or eliminate. For example, like a lot of people I have an overload of channels on my cable, but I barely watch any of them. Cutting out most the channels will be painless and I will save a little more money on my cable bill each month. Even if it’s only a $10 it can make a difference! That $10 can go into a saving account each month.
Did you make a New Year’s resolution for 2015? If it is a money based resolution, SunTrust is here to help! Their goal is to help light the way to financial well-being. SunTrust want you and your community to have the resources, tips, and tools you need to feel confident and in control of your finances. Their resource centre is a rich content destination that provides actionable information, tools, tips and calculators to help reach your resolution goals in 2015.
Do you have any tips to share that can lead to resolution success?
At SunTrust Bank their purpose is lighting the way to financial well being. They help you get organized, make a plan, and stay on track so you can get and stay in control of your finances. When you are confident about your money, you can save for your goals and splurge knowingly on what matters most to you.
What is your money personality? Find out here
To find advice, tips, tools and motivation to start your new year click here
This is a sponsored conversation written by me on behalf of SunTrust. The opinions and text are all mine.