Financial Planning How to Secure the Bag in 2022 Read the Article Open Share Drawer Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to share on Tumblr (Opens in new window)Click to share on Pinterest (Opens in new window)Click to share on LinkedIn (Opens in new window) Written by Marsha Barnes Published Jan 4, 2022 5 min read Advertising Disclosure The views expressed on this blog are those of the bloggers, and not necessarily those of Intuit. Third-party blogger may have received compensation for their time and services. Click here to read full disclosure on third-party bloggers. This blog does not provide legal, financial, accounting or tax advice. The content on this blog is "as is" and carries no warranties. Intuit does not warrant or guarantee the accuracy, reliability, and completeness of the content on this blog. After 20 days, comments are closed on posts. Intuit may, but has no obligation to, monitor comments. Comments that include profanity or abusive language will not be posted. Click here to read full Terms of Service. Are you living by the mantra, “New Year, new you?” Year after year, we set these resolutions and goals – for them to get tossed out before the year can fully bloom. Looking for ways to elevate your life? Maintain the things you’ve started? Produce real results? Check out the tips below to secure your future and your bag in the year to come. Write down your goals As much as we’d like to consider ourselves computers, it’s nearly impossible for us to remember every single thing we’d like to do. In order to stay focused and remain organized, it’s best to simply jot down your goals. Try your best not to overthink and begin to write everything that comes to your head. Essentially, this is a brain dumping exercise that allows you to clear your mind as much as possible. Often times confusion doesn’t necessarily come from us not knowing, it’s simply because we haven’t written down our thoughts. Once this is finished, the second step is refining. Go through everything you’ve listed and organize it into categories. From there you’ll be able to highlight the top 3-5 goals you’d like to accomplish. This allows you to only focus on the goals with priority – and as those items are completed, the next ones in line will be yours for the conquering! Are you wanting to start a new career or business venture? Write down all of the to-do items needed to accomplish that goal and assign a certain number of tasks per day, week or month. In this way you’re not overwhelming yourself with unrealistic expectations but creating an actionable guide that navigates you straight to the finish line. Self-assess and readjust as needed Let’s take a moment to reflect on 2021. What are the things you did exceptionally well? What are a few items that need improvement? Are you able to recall the goals that didn’t have any traction at all? Before you can execute, you need to know where you’re currently starting from. Be honest with yourself – this isn’t an exercise to stir up negative and non-productive emotion. This is to chart your next steps and make them effective. If you overspent this year on discretionary items, test out the cash method for your purchases. Looking to increase your earning potential? Update your resume, network and explore the opportunities that interest you. Saving for a large purchase? Create a reasonable savings plan that lays out the steps to ensure you’re successful. Keep in mind this is not a one-day exercise. Carve out some time over the course of a week to truly reflect. Avoid impulsive behavior and identify the root cause Each and every one of us have thorns in our side that derail us from our goals – big or small. In order to identify the true problem, we must tap into our self-awareness and discuss some ugly truths. For example, if you are on a fitness journey and have a desire to become healthier– a routine is mandatory. Schedules allow us to operate more efficiently. So, let’s say you want to workout at least three times a week. This means there’s a certain window of time that needs to be allotted for the actual workout. After that you need time to eat, prepare food and continue flowing through the day. If one of these links are missing in the routine, it could tempt you to skip the workout completely. What needs to happen? Have food readily available on the days you workout. Get sufficient rest the night before to make sure you’re energized to conquer the day. Try your best to eat the right foods to avoid feelings of sluggishness or irritation. Have your exercise clothes ready the night prior to avoid any mishaps in the morning. No matter how crazy and insane these little things may seem they’re very impactful. It creates a smoother workflow which decreases anxiety, worry, frustration and irrational decision making. Let’s talk money! If you have an issue with overspending; consider this. Do you spend more money when your emotions fluctuate? Adopt some self-care techniques to relax and unwind before making hash decisions. Try adopting yoga within your weekly routine. Step away from the computer when the feeling of work stress occurs. Swap out the impulse to spend with something positive, like taking a quick walk or simply log off social media. Unsubscribe from retail emails so there won’t even be an urge to spend. When you’re healthy mentally and physically – your finances have no choice but to positively benefit. Let’s talk retirement Before the year is up evaluate your retirement account, savings methods and/or investments. Are your selections aligning with the financial goals you’ve set for the upcoming year? Assess your contributions and adjust as you see fit. If there are things you’re unclear on or are in need of further guidance, solicit the assistance of a financial advisor. Don’t allow yourself to get hung up as challenges arise! There’s always a solution. Take a deep breath and revisit your goals in moments of frustration. Create an accountability tribe We cannot live life alone and in confinement, so what better way to engage the people closest to you than create an accountability tribe? Establish some safe meetups or virtual check-ins as schedules permit to discuss hiccups, successes and lessons. In this way, it establishes a sense of community and support. It’s almost like having your own personal cheerleaders ushering you through all phases of life. You can gain multiple perspectives while also having a safe space that doesn’t judge you for your mistakes. Remain positive and stay the course In this upcoming year, don’t settle for less. The key to achieving all of your goals fall into two main categories: consistency and discipline. Will the work always be easy? Absolutely not. Your goals will stretch you in new ways and will create a new level of resilience. 2022 is ours for the taking. You have the tools; now do the work and secure the life you truly desire to live! Previous Post Lesser Known Credit Card Perks Next Post How to Negotiate Your Way to Better Health Written by Marsha Barnes Marsha Barnes is a finance guru with over 20 years of experience dedicates her efforts to empower women worldwide to become financially thriving. Financial competency and literacy are a passion of Marsha’s, providing practical information for clients increasing their overall confidence in their personal finances. More from Marsha Barnes Visit the website of Marsha Barnes. Follow Marsha Barnes on Facebook. Follow Marsha Barnes on Twitter. Browse Related Articles Mint App News Intuit Credit Karma welcomes all Minters! 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