The beginning of a New Year is a time when many people decide to make some big changes in lifestyle. Though the intention is good, sticking to them can often be a challenge and trying to complete them can leave you feeling more exhausted and overworked than you were before. This year, why not try taking on a few lifestyle changes that are actually achievable. It may make your life easier and will benefit you and your family in the long run, rather than for just a few months. Now is the time to create a lifestyle checklist and get your affairs are in order. Follow our handy guide for some inspiration:
After splurging in December, January might not seem like the best time to get your finances in order, but putting it off will only make it harder to tackle at a later date. There are some simple steps you can take to help you manage your money.
Sort out your taxes
Are you paying the right amount of tax? It may be worth seeking the guidance of a financial advisor to ensure you are paying the smallest amount of tax you can and that you are making the most of tax-free allowances.
Make your money work harder
Check how much flexibility you have to move savings and investments around to get the best deal. Many saving account interest rates drop after an initial period, so switch to increase your gains.
What about wills?
Protect your loved ones’ future by setting up a will and taking out any relevant insurance. Saga Legal can offer advice and help you sort out everything with the minimum of hassle, leaving you and your family worry free.
Take a few easy steps to improving your health and wellbeing this year and you’ll be sure to reap the rewards.
Visit your GP to check your blood pressure and cholesterol levels and get some diet and health advice.
Try to increase the amount of exercise you do by adding small additions into your daily routine. Something as simple as walking to the shop instead of having your paper delivered can make a big difference if done every day.
Family and Friends
Make more time for the people you care about this year. Setting up social groups like a book club or poker night (playing for matchsticks of course) can be a good way to bring people together more regularly, or if you’re a whizz in the kitchen you could try recreating Come Dine With Me with friends and family.
Whether it’s finally starting that DIY job you’ve been putting off, or giving your study a thorough spring clean, feeling happy with your home will make you feel more centred and relaxed.
Whatever changes you decide to make this year, keep a list and tick off everything you complete. The less you have to carry forward to next year the better!