How are those resolutions going?
For many people, going into the new year meant making clear goals and determinations to change things and do better. I have had many sessions with people already this year wanting to get better with money.
The challenge with resolutions is they are made in a moment of excitement, and that excitement cannot be maintained indefinitely.
So, by now, the end of the 2nd month, for most people those resolutions and goals are a memory and its back to the same old same old.
You need to replace the excitement of an initial goal with a clear path and a plan to make things actually change.
1. What do you actually want? – be clear about what you want to achieve, make to SMART – simple, measurable, achievable, realistic and time based.
2. Do you want this more than you don’t? eg when faced with the need to do less, have less fun, so you can keep going for your goal, do you want it enough?
3. Are you prepared to build up to this slowly? Most people put too short a timeframe on their goals or expect some sort of “sports training montage” where it just happens over night. Real change takes time
4. Can you handle failure? No plan survives contact with reality, the car will breakdown just as you start saving, someone will get sick etc, its 2 steps forward and 1 back, most of the time. Can you handle this, and keep going? If not, relook at number 1, do you really want this?
This is how we have helped many people save for goals, change financial habits and reduce their financial stress. There are no tricks, nothing that looks good in a 60 second tiktok about how I made 100K overnight, but by changing the way you think about money, set goals and build a system to achieve what you want, over time you can get there.
If you feel you have already failed at this year’s financial resolutions but do want to make changes, come and see us. We can help.
Don’t be having the same conversation with yourself New Years 2025 (and 2026, 27 and so on), make the changes now.
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