As the year draws to an end, we all begin to focus on the things that we would like to change for the new year. It is a great time to be reflective and see what didn’t work for us and also to find our opportunity to make positive changes for the upcoming year. Isn’t renewal great? A chance to start fresh and to begin the year on good footing. That is the best part for me about starting a new year. Sure, I am a year older … but I am also a year wiser too! Another year to draw experience from and to begin our reflective thinking on how we can be better! How amazing is that?
Here are some great ideas for making a positive change in your finances this year:
1. The Power of Positive Thinking. One way you can begin the year on good footing is to begin the year by thinking positively and trying to carry that positive thinking with you throughout the year. This is one thing that I am really going to be working on and I believe that it will improve my outlook greatly.
Looking back in the year, you can maybe see things that you didn’t do correctly. Maybe you used your credit card? Maybe you had enormous medical bills for the year? Maybe you strayed from your budget?
While you can look back on your year and kick yourself for all of your stupid financial mistakes, the simple fact is that it won’t change anything about what you did wrong … But, what you can do is look at those stupid experiences and say, “Here is how I am going to change that this year.”
The pure and simple fact is that I have made dumb financial mistakes. I took out a lot of student loans and didn’t finish school. I got a gym membership that ruined my credit history and caused me to take out high interest loans for my schooling. I borrowed against our credit cards when we had no money coming in for almost a year. My life is paved with some really stupid financial moves.
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