Are You Going to Make New Year’s Resolutions?

Each year, people look forward to the New Year.  It has become a symbol of hope, a new beginning.  As such, many of us make resolutions that will help us become better persons for the ensuing year.  In a financial sense, it would also be good to make some resolutions to help us manage our finances better, don’t you think?

I have not really done this but I think that this year would be a good time to start.  However, as I sit here thinking, I realise that there is one very important thing to consider before making any financial resolution for the New Year.  I think that no matter what we do, it is of vital importance that we only make resolutions that we can possibly keep.  What I mean is that we should start small and make realistic resolutions.

This would enable us to reach them more easily and encourage us to keep at it.  Am I making sense?

One resolution I think that I am going to make and try to keep is to lessen the use of my credit card.  For the past month, it has been used to such an extent that I am kind of nervous for when the time the bill comes.  It is just so easy to use the card that I tend to lose track of my expenses – or maybe I deliberately ignore them.  I think I would rather take out a cash advance loan this year than use the credit card again and again.

How about you?  Any resolutions that you would like to make regarding your finances?


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