How to stick to your New Year’s Resolutions


New Year, New Me!

While growing your savings surely takes a large effort, there are some simple ways to start on the path to financial security.

Having new year’s resolutions can be a helpful way to focus on making positive changes in your life and improving yourself across finance, health, family, friends and career (just to name a few). Having a resolution is a common thing people start the new year with. There are many benefits to setting one and most importantly, sticking to them.

Here are a few tips that might help you stick to your new year resolutions:


1. Make your resolutions specific and achievable

Rather than resolving to “exercise more,” try setting a specific goal, such as “exercise for 30 minutes at least three times a week.” This could also work when you try to “save more” – set a more specific goal such as “save & invest RM20 every week” so you are able to track your progress and stay motivated across all your goals for the year. Try to set your automatic recurring investments using Raiz recurring investments feature.


2. Break your resolutions into smaller, more manageable goals

If you have a large, long-term resolution, it can be helpful to break it down into smaller, more manageable goals. This will make it feel less daunting and give you a sense of accomplishment as you make progress. For example, if your goal is to save for a house deposit, it will feel more achievable by breaking it down into smaller amounts to hit along the way. You can also use apps to work towards these smaller goals such as Raiz’s Savings Goal.


3. Be realistic with your goals

It’s important to be realistic about what you can accomplish. One approach is to start small and gradually increase the difficulty of your goals as you become more comfortable and confident. This will help you stay motivated and avoid feeling overwhelmed or discouraged.

It’s also important to be flexible and willing to adjust your goals if you find along the way that they are not realistic anymore. Remember that the process of working towards goals is a journey, and it’s okay to make mistakes along the way. The key is to stay focused and committed.


4. Make your goals visible

Now that you have specific, achievable, and realistic goals, write down your goal and place it somewhere where you will see it every day. This could be on your fridge, on your desk, or on a whiteboard in your bedroom. Creating a visual representation of your goal such as a mind map, a vision board, or a goal chart can also help you stay focused and motivated. Platforms such as Pinterest can also be a great way to start.

Sharing and telling others about your goal can also help keep you motivated.

Remember to be flexible and willing to adjust your way if needed.


5. Keep track of your progress

Seeing the progress you’ve made can help you feel a sense of accomplishment and encourage you to keep going. There are many different ways you can keep track of your progress, such as through a journal, a spreadsheet, or a goal tracking app. For any saving goals you have, Raiz also has a feature to allow you to track every time when you automatically put aside savings to hit your goal in the background of your life.


6. Celebrate your victories!

It’s also important to celebrate your victories along the way. This can be a great way to stay motivated and give yourself a sense of accomplishment. Celebrate by rewarding yourself with a small treat or taking time to reflect on the progress you’ve made.


Overall, setting and sticking to your new year resolutions can help you improve your physical and mental health, build new habits, achieve personal growth, and feel a sense of accomplishment and satisfaction. But if you slip up along the way, don’t be too hard on yourself. Everyone makes mistakes :D. It’s okay to get back on track and try again!


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