You’ll start to notice a lot of articles about New Year’s resolutions that offer strategies for improving yourself in 2025 as the year draws to a close. I want to present you with a choice you might not have thought of.
Instead of making a New Year’s resolution, consider making a life resolution.
We put off things we can start doing today, which is why New Year’s resolutions don’t work. Making life resolutions will give you the drive you need to achieve significant and long-lasting changes in your life.
Beginning
It’s usually the most difficult to start a change. It’s challenging to leave the house for that first run or walk if you’re overweight. It is both freeing and frightening for anyone who has debt to decide to cut ties with their credit cards. What counts is that you put one foot in front of the other or use a sharp blade to cut plastic. A tiny movement or gesture counts as progress.
In the face of hardship, it’s critical to have grace for yourself. You will be critical of yourself. You’ll be wondering how you’re going to escape your current predicament. When it comes to financial difficulties, this is particularly true. Consider your debt to be a bit of yarn that is wrapped up. It’s twisted, unsightly, and challenging, but not impossible, to untangle. Have faith in your ability to pull on the first thread.
Make reasonable goals.
It’s not as simple as it looks. Let’s give an illustration:
- You have $50K worth of debt on 5 credit cards
- Two cards hold $30K while the other three hold the other $20K
- The smallest debt is $5K on a store credit card
Start modest rather than aiming to pay off the entire $50,000 in a single year. Your initial objective should be to pay off the card that has the lowest debt ($5,000). This is the only thing you should be concentrating on, other from avoiding further debt.
Once this is paid off, you can set your next goal and on and on it goes. Before you know it, you ll be debt free. You can apply this same principle to weight loss, getting in shape or any other life improvement you want to make.
I m ready to get started on my next goal but could use some help.
Take the other end of this thread and start pulling.
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