Top 10 New Years Resolutions - It’s Not Too Late For You!

3. Debt Reduction

One of the first things you have to do before any debt can be eliminated is to stop using charge accounts. If you continue to use the accounts, you are only fueling the problem, and building on it, not solving it. Make a resolution now to stop charging anything and to get financially stable. If you can’t pay cash for it, you don’t need it, make it just that simple and you will find yourself out of debt in no time at all.

Keep a diary of all money spent, whether it is by cash, check, credit card, etc. Once you know where your money is going, then, and only then, can you take the steps needed to prepare a good budget that you can live with and make huge strides to budgeting your debt away.

Dan and Jennifer: I absolutely agree on this one! If you don’t’ have the cash, don’t buy. Pretty simple in theory and yet difficult to implement. One suggestion on this one - stop watching TV! When watching TV, you’re constantly inundated with ads telling you everything that you need to buy.

4. Enjoy More Quality Time with Family & Friends

More and more people are resolving to spend more quality time with family and friends this year. This means you must consciously decide to actively and purposely work on improving your family situation every day. You may need to do such things as reschedule business activities to make time for your kids, help your children set and achieve worthwhile goals, and setting aside an hour a day for the family, every day.

Starting right now, you can begin to make choices and take day-to-day actions that will create nothing short of a phenomenal family. You can choose to have one if you just resolve to do it and know where to put your focus. Making our families stronger and healthier is important to our communities, our state and our world.

Dan and Jennifer: Dan and I make time to go on a date at least once per week and spend quality time with the girls 3-4 times per week. It may be it’s just reading time before bed or a one on one ‘chic’ date, but it’s time that’s important.

5. Find My Soul Mate

Romance is alive and well as more and more people are looking for that special someone, their soul mate who lights their fire, the ONE whom they love unequivocally and who shares their worldview.

Soul mate relationships are the sort of romantic relationships most of us dreamt of when we were young and innocent: loving and erotic, committed and inspiring and best of all - lasting. Soul mate relationships give both partners the fulfillment that deeply satisfies them and makes them feel that they have found the most wonderful person in the whole universe.

Dan and Jennifer: Done! You have to be open to the possibility and willing to take action when the possibility presents itself, even if it means giving up something or someone else.

6. Quit Smoking

Becoming a non-smoker is probably one of the best decisions you can ever make, and is a life changing as well as a life saving decision. The benefits to your health, relationships, finances, vitality, and the environment and to your sense of self-esteem for having conquered a really hard-to-kick habit will make any and all of your efforts and determination more than worth while. The resolution to become a non-smoker will also help you to live longer and enjoy the finer things in life.

Once you’ve made the resolution to stop, acted upon it and succeeded, you’ll feel great about what you have achieved. Resolving to give up is your decision, and will improve your life from that moment on. No one can make you quit, and no one can help you make the resolution. You have to do it yourself, you have to want to do it, and you need to do it now!

Dan and Jennifer: Duh! …