It is tradition for most individuals to make a New Year’s resolution.  This resolution is often made towards the first of the year.  For some, New Year’s resolutions are goofy, but for others they are serious.  If you want to make a serious New Year’s resolution and actually turn yours into a reality, continue reading on for a few helpful tips.

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Think about it.  As previously stated, not everyone takes New Year’s resolutions seriously, but you should.  This is your chance to change something you don’t like or improve your life.  Your New Year’s resolution can be to lose weight, spend more time with your family, or get out of debt.  Regardless of what you choose, think about it first.  Don’t just go with the first thought that pops into your mind.  Instead, think about what you truly want to change or improve in your life.

New Year’s resolutions are often shared at a New Year’s Eve party or on the first day of the year.  If you haven’t taken the time to think about your resolution, don’t jump.  There is no law saying you have to have a set resolution in place by the first of the year.  New Year’s resolutions are designed to change and improve lives, so give it time if you must.  Better yet, start thinking ahead.

Stay realistic.  If you want to have your New Years resolution be more than just a goal, but a reality, you need to keep reality in mind.  It is important to be realistic when setting your goal.  For example, do you want to get out of debt?  The harder you work towards your goal, the more likely you are to obtain it.  However, it is possible to get out from under a $5,000 debt in one year, but others find it impossible to do with $50,000.  So, if your goal is to get out of debt, set a reasonable dollar amount.  If you meet it, good.  If you surpass it, even better.

In terms of reality, it is important to know what you can and can not do.  As previously stated, you may not be about to overcome a $50,000 debt in one year.  That doesn’t mean you can’t try.  It is also does not mean you should give up if you don’t see immediate results.  You have all year to turn your New Year’s goal into a reality, so don’t rush it.  Give it time and never give up if you don’t see immediate results.

Be specific.  In fact, you should not only be specific, but break down your Near Year’s resolution into mini goals.  In keeping with the resolution of getting out of debt, start with secured loans.  These are loans in which you may lose something if payment is not made, like your car or home.  Next, target those small, but still important debts.  Do you owe $50 to your family doctor?  Pay those bills next, as they are easy. 

By creating small mini goals, you have a set plan in place.  You essentially have a guide to follow.  This makes accomplishment easy.  Mini goals will also serve as a source of motivation.  When you are able to cross something from your to-do list, you feel a sense of pride.  That pride will want you to continue on and you likely will.

Write it down.  As stated above, New Year’s resolutions are commonly shared among friends at a party.  This is great as others are aware of your goals and can provide you support, but be sure to write yours down.  Place it in a prominent location, such as in your wallet, refrigerator, or office desk.  Each time you see your resolution written, it serves as a source of motivation.

In short, New Year’s resolutions are optional. There is no law saying you have to make one, but why not?  It is a new year and your chance to improve your life.  So, what are you waiting for?  Start thinking about your New Year’s resolution today.

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