Saving Money: Isn’t spending money so fun? Those happy hours, impulse purchasing, playing Santa, etc. LOL. After a December of excessive spending, a lot of people plan to be debt free, cut back on spending and save more money either traditionally by tweaking a few things or through their 401k plans, 503B and IRA etc. as the new year begins. Like other resolutions, this one takes a lot of work and discipline and before you know it your savings start to add up and can be applied to things that really matter the most. Emergencies too. A lack of discipline is the number one reason people break this resolution. I am not a fan of excessive frugality that ends up making folks miserable tho, find a midpoint, make a plan, map out how you want to pursue this, stick to it and that usually works pretty well. Little things like cutting back on fancy dinners out from three times a week to once, bringing your own sack lunch to work a couple times a week and even brewing your own coffee at home (enrich Starbucks and Peet's no more) all add up. And if your coffee skills are not up to par, corner shops like 711 brew a wide range of flavors for just a buck.
Quitting Smoking/Alcohol Consumption: Because of the health risks that are associated with cigarette smoking and excessive alcohol consumption, they tend to be very popular and recurrent resolves. The question again remains ‘how long for’? Old habits die hard and often times smokers fail at their attempts to quit. Alcoholics too. For some it takes more than just a resolution and for others it’s cold turkey. I myself was a chain smoker, had been since I was a teen. I had to have my Capri luxury length (120's) menthol cigs. There was truly no slimmer sleeker way to smoke for me. Virginia Slims menthol 120's came in a distant second place. A roll or two rolls of Capri would always be my first purchase from the Duty Free shop upon traveling outside of the US, just to be sure I had enough. It didn’t take a resolution but a realization that I had a lot to live for. I quit the habit cold turkey years back and haven’t gone back to it. Yay me! Today I am a happier healthier me. I am yet to figure out what need this teeth yellowing, cancer causing habit was feeding, obviously not one that's important cos I don't miss it, not one little bit. Are you are struggling with kicking this habit? Is it topmost on your New Year’s resolution year after year? There are a few things out there like the patch and e-cigarette that have great reviews and promise to help. I say good luck, keep at it, you can kick this. Fight on!