New Year's Resolutions

[rob62521]

Each day I receive a devotion in my email. Today, this one had this in it:

according to those who say they know, are 2010's ten top resolutions:

1. Stop smoking.
2. Get fit.
3. Lose weight.
4. Enjoy life more.
5. Quit drinking.
6. Get organized.
7. Learn something new.
8. Get out of debt.
9. Spend more time with family.
10. Help others.


Since #8 seems to be a big one on this site, can we come up with our own financial resolution list? Maybe it could say, make a budget and live within it.

[GREENBACK]

If you look closely, you could conclude that those are all financially beneficial. I think I'll try to do all ten this year. J/K.

[maat55]

Lose 10 lbs.
Not touch my EF.
Maintain current investments.
Go to aug. 28th rally on the mall.

[cschin4]

1. Take life less seriously
2. Laugh more. Find the fun
3. Try to find someone everyday to encourage along life's journey. If I am at the store, I will make a point to tell the cashier what a great job she/he is doing and look for ways I can build people up.
4. Finances - I will use more of finances to bless other people instead of myself. I will donate to my church, food bank, and give away things I no longer need to anyone who can use them.
5. Exercise - i need to rejuvanate myself a bit and feel better about myself as well.
6 I will become more involved in my children's spiritual upbringing including home bible studies.

[JanH]

1. Take life less seriously
2. Laugh more. Find the fun
3. Try to find someone everyday to encourage along life's journey. If I am at the store, I will make a point to tell the cashier what a great job she/he is doing and look for ways I can build people up.
4. Finances - I will use more of finances to bless other people instead of myself. I will donate to my church, food bank, and give away things I no longer need to anyone who can use them.
5. Exercise - i need to rejuvanate myself a bit and feel better about myself as well.
6 I will become more involved in my children's spiritual upbringing including home bible studies.

These are words to live by. Couldn't have said anything better myself. I think I need to print these out and post them somewhere visible.

[SoCalifrugal]

Those are all good resolutions. I myself do not make new year's resolutions. When I come up with an idea of something I want to change at any point during the year, I start planning the steps necessary and put them into action right away. It's too discouraging when you wait until January 1, make a big deal out of it, and then fail.

Also, I always map out small steps instead of vague, large goals.

[frugalnoggin]

Credit Tune-up

1.Are you performing an annual credit check? The FTC rules allow you to receive a free credit report from each of the 3 major credit reporting agencies (Experian, EquiFax and TransUnion) once per year. There is only one authorized source to receive these reports, despite the catchy jingles from freecreditreport.com on TV, and that is:

annualcreditreport.com

or call 1-877-322-8228 or write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Other sources may provide your credit reports but sign you up for add-on services that you have to cancel within a certain period to avoid being billed or impose other fees and restrictions. This site is the official free, no restrictions site. You can request all 3 reports at the same time, or spread out the requests throughout the year, allowing you to monitor your credit more often. Regardless of how you do it, you should get a report from all 3 agencies, look for any inaccuracies, and repair them.

2.Do you have any small, outstanding bills? Unpaid bills that you may not consider important because they are a minor amount, like parking tickets, etc. can have a large impact on your credit score if left unpaid and allowed to go to collection. This will in turn raise your interest rate on many of your other credit instruments. Pay off those small unpaid items.
3.If you are carrying a balance on your credit card, and you have a good credit score, see if one of your other credit cards offers a good balance transfer option to get your balance onto the lowest interest rate card you can. Keep in mind that most credit card terms are going to require that the lowest interest rate balances be paid off first, so be careful how you manage your transfer and new charges so you don't end up paying more interest after the transfer!
4.Attack your outstanding balance. I know it's not fun – you'd rather go to Disney World – me too. Make a plan that's reasonable, set some milestones and celebrate achieving those debt-free (or at least debt-reduced) milestones – just don't pile-on more debt when you get there with a big, blow-out party

Enjoy 2010 with better budgeting and lower debt.
FrugalNoggin

[daviddane]

My new year resolution is to get out of debt as it making me go crazy and i just cannot concentrate on it.