It's no surprise that January is a big month for making resolutions. And if you've been making resolutions for a while, you know how many of them fall by the wayside before February.
The problem with conventional resolutions is that you have to keep doing them until they become a habit—that's kind of the point. These suggested resolutions are different in two ways. They're in the 'set and forget' category, and they can make your life so much easier that you're likely to keep them:
If you haven't already figured this out, I want to do for direct deposit what Johnny Appleseed did for apple trees. I sincerely believe it can be the core—did I really say that?—of your good personal finance habits.
If you've already managed these resolutions, think of one or two more that could help you get on and stay on the straight and narrow financially. For example, you might want to set up a low balance alert or a payment due alert from your credit union's online service suite. Anything that makes life easier, and your financial life more productive, is a good habit to make.
A wise teacher told me years ago that a bad habit is easy to make but hard to live with—and a good habit is hard to make but easy to live with. What I like about these resolutions is that they make it easy to set up good habits.
The people at your credit union bring you this Web site and other tools to help you make the most of your financial resources. The Financial Fitness Challenge continues to look at ways you can make better financial habits no matter what condition the economy is in.
Each month we randomly select five winners to receive $50 Visa gift cards; we choose each month's winners only from that month's entries, so enter often. Remember to register for the Financial Fitness Challenge.
Susan Tiffany, CCUFC
Home & Family Finance® Resource Center
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