Take your resolutions seriously and you’ll profit

Happy New Year to everyone, and I hope you all had a nice Christmas.

Happy New Year to everyone, and I hope you all had a nice Christmas.

It’s that time of year when people who have made them are testing their resolve with new year’s resolutions.

Are you thinking about what went right last year, and taking the opportunity to change the things that didn’t go so well for you?

If you think back to this time last year, I am sure there are some resolutions you were going to commit to but didn’t stick with; so what makes you think this year will be any different from last year?

Research, has shown that after six months, fewer than half of us will have stuck to our new year’s resolutions and after 12 months, only one in ten of us will have stayed committed to them.

What is the point, therefore, in even thinking about New Year resolutions if we don’t stick to them?

There are some strategies that I am going to share with you over the next couple of weeks that will help you stick with your new resolutions, like setting out and writing down your goals and how you are going to achieve them.

Sharing your resolutions with others also helps and, most importantly, focusing on the benefits if you stick with your new resolution. 

It has been proven that almost always the best strategy in achieving any sort of change is to find a role model, someone who is already getting the results you want for yourself and then you tap into their knowledge.

You learn what they are doing and what works for them and what their beliefs are a la RTE ‘s programme “Operation Transformation”.

If we look at the area of retirement planning for example, by the time people reach the age of 65, the majority are not financially prepared and live a life counting the pennies until they die.

So, rather than letting this happen to you, you need the conviction and belief that you deserve a good, comfortable retirement backed up by a workable plan, otherwise how can you turn this resolution, if it is one, into reality?

If you don’t make decisions now about how you are going to change your life and how your life is going to be better from this day on, then you have already made a decision haven’t you?

You are making a decision that will be directed by external factors you have no control over, you become a victim so to speak, rather than someone who shapes their own destiny.

So let me help you increase your chances of succeeding with your new year’s resolutions and if you follow the proven steps to success I am about to outline, your chances of making those changes last in your life will have increased dramatically;

l Decide what you want to change.

l Take action to achieve it.

l Notice what is working for you and what is not.

l Change your approach until you get what you want.

Remember, change doesn’t happen for most people overnight, it takes time, but you have to stick at it. And just because your bank balance doesn’t improve dramatically in the first week, doesn’t mean your plan isn’t working, give it time but the key is to stick with it. Remember the 3 Ps:

l Persistence

l Perseverence

l Patience

I also believe that in order to achieve the change you want in your life, there has to be a why you want this to happen.

What is your why? Because without one, your New Year resolutions will be harder to achieve. 

If you want your New Year resolutions to work, believe me, they need to become longstanding habits that become ingrained in your daily routine. Your habits need to become second nature, and this is another reason resolutions don’t work - people find it difficult to change their habits.

It has been proven that it takes 21 days to change a habit but whatever the time frame is, the bottom line is changing your habits requires determination, continuous effort and significant discipline.

I am going to help you with this and I have developed a 21 day savings and debt makeover plan so that every day for 21 days, I will send you an email with one small step you can do each day that will help move you closer to your goal.

So, if you want me to help you with your savings and debt issues, then follow the simple and very easy steps I will ask you to perform each day, and if you do, I assure you, you will begin to see real progress.

To get started, just contact me at liam@harmonics.ie.

Some say knowledge is power but at the end of the day, it’s up to you if you want less debt, more money in your bank account, more wealth or whatever your financial goals are.

Resolutions are great to create some motivation but you have to challenge yourself to try and change your habits if you want to create a lifetime of financial success.

Next week: my top 10 financial resolutions for 2013.

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