NEW YEARS RESOLUTIONS

I know what you’re waiting for, the dreaded “New Year, New Me” speech as I reel off all the fantastic  changes I’ll be making in light of the new year…not quite. 

However, I do see the appeal in setting goals when you’re given a brand new year to begin from. A set of 12 fresh new months lying ahead of you give you that sense of motivation and positivity to make them better than the last, and I strongly believe we should embrace this. Life is full of ups and downs regardless of how we try to shape things; ultimately some things are just out of our control but it doesn’t mean we should knock the idea of trying to better ourselves. As a mental note for myself (or future blackmail) and to share with you, here are a few of my new years resolutions…

  1. Travel more: be it a 10 hour flight to explore a Caribbean island or a 40 minute drive to discover the hidden gems of England, travelling more is at the top of my list. Unfortunately I don’t have a never ending fund of money for these things but my aim is definitely to get out a bit more and see the world. 
  2. Use my phone less: The amount of times I find myself scrolling through social media sites is incredibly depressing yet there’s something quite addictive about it. It’s not at all productive and sometimes leaves me in a bit of a rubbish mood as I swipe through the seemingly incredible lives of others. This is something I will definitely be ditching. 
  3. Keep gymming: this year I joined the gym (applause please) in an attempt to get fit and healthy but also as a mood booster. I’ve really loved seeing the benefits of going regularly and this is something I definitely want to keep up in the new year. 
  4. Look after myself better: sometimes I’m a bit rubbish at recognising when I need a lie in or a chill day or some good wholesome food. I always feel the need to push myself and seize the day despite it not always being what’s best for me, so recognising what I need sometimes is a small but important resolution of mine. 
  5. Save money: Ed and I will be moving into our new flat early next year so this is kind of a necessary one. Being savvy with money so we can still enjoy going out and socialising is a must. 
  6. Stop putting things off: I do this, a lot. I’m not as bad as I used to be but it’s certainly something I still want to improve on. Let’s just say I filled out the forms to register at the doctors 6 months ago and I still haven’t got round to dropping them in…you see my problem?
  7. Meditation and mindfulness: this is something I got into this year but kind of lost touch with. I found it really beneficial and incredibly interesting to read and practice different techniques on the path to mindfulness and contentment, so this is something I really want to focus on.

And there we go, those are my general aims for the year in an attempt to make it rich with success, health and happiness. What are your new years resolutions? As always, let me know in the comments below x

Advertisements
Standard

MONEY MONEY MONEY

With the joys of Christmas slowly coming to an end, it’s time to face the reality of a dwindling bank balance and the extra long stretch til pay day. With a new year on the horizon, I make it my top priority to get organised and get in control of my money (for however long it may last). Here are some ways I like to stay on top of my finances without that FOMO feeling…

Set a budget: Honestly, I feel boring and clichè writing it but it really is the very best place to start. Work out your actual income and outgoings every month and then you can see what you’ve got to play with. Once you know what you have left over, calculate how much realistically you can put into savings (it’s always good to have a backup) balanced with how much you will be spending on actually enjoying life (v important)

Shop around: I’ve never been all that good at shopping around for a bargain…when I see it, I want it and if it’s right there, the effort of searching stores and the internet for a cheaper price is all too much. This, however was in my teenage years when the money was coming in and I didn’t really have any financial commitments. Now I’m a little older, the familiar saying “saving the pennies so the pounds will save themselves”  is one I often find echoing in the depths of my mind as I dive into the shops. The prices of products vary massively between stores, so it’s always worth doing a quick check online as you never know when a fab deal will suddenly appear. (Plus you get that smug feeling of saving £3 which never gets old).

Banks: They’re pretty useful. Whichever bank you’re with, they’re likely to have a few benefits you can make use of which will help you save those all important pennies. I’m a little late to the game, I’m sure, but I recently discovered the joys of cash back with my bank. They have 30 participating stores and restaurants to choose from which you load to your card. Participating companies change regularly and offer from around 3% to 15% cash back for simply using your card to pay. This is in no way a massive money maker, but seeing a few extra £££s entering your account every month (for spending money as you would normally) is always welcomed. 

Food glorious food: Saving money is important but so is food. Need I say anymore? A great way of spending time with friends and family or rekindling the spark with a loved one is going out to eat, (and even better), it doesn’t need to be expensive. Always check out what deals restaurants have before you decide on where to go as you may be surprised. The best thing is, it doesn’t even mean compromising on going to a different restaurant over your fav; visiting on a weekday evening instead of a weekend can save you a whole heap of money. Oh, and don’t forget those good old lunch menu deals!

What are your top tips for saving that all important moolah? Get in touch in the comments below x
 

Standard