Most of us get caught in the festivities of the holiday season and forget to make preparations for the new year. The first few months of a new year are usually very hectic, especially for those who spent almost all of their finances making merry with family and friends. So, as you engage in all the fun activities this holiday season, do not overindulge, or you will pay the price in January. You are better off if you are set for the first three months of 2022, which are usually the toughest. In this blog, we are going to outline some tips to help you set yourself for January, February and March 2022.
Split Your Finances
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With multiple responsibilities awaiting you, it is better if you split your finances while prioritizing the most important expenditures to those that you can do without. Live with a simple philosophy, ‘if you don’t need it, don’t buy it’, and you will be fine. Do not mix up festivities money with school fees and rent money. Be disciplined in your spending and be well aware of your financial capabilities.
During the festive season, it is easy to be swayed by friends who have more money than you,, and you might end up spending more than you can afford to. Open a fixed saving account that you can only access after a certain period of time has elapsed. Spend wisely in December and have an easy January, and vice versa.
Plan Ahead
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Planning ahead does not only entail financial planning. It is easier to handle a new phase in life when you are well prepared for it. Most of us will be going back to work in January and this is the time to prepare for those early morning and late evening commutes. Ensure that your car is in good condition and can handle what lies ahead. Repair and replace any parts that are faulty. Find a new car headlight design if the current one doesn’t work for you.
If you need to find new office attire for your wardrobe, do so now when everyone is still focused on party dresses. Make sure that by the time the new year starts, you have everything in place for both work and home. If you need to find a new school for your kids, do it before the academic year begins.
Home Renovation
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You will not find the time to do a house renovation in January; I can bet you on that. With work and school resuming, everyone will be so busy that there will hardly be any time to do anything else. If you are hosting friends and family for the holidays, then you might also find it hard to renovate now but if you are not, then this is the perfect time for a home makeover.
If you have been saving up for those fancy sets of wing chairs from tables and chairs company Keekea, this is the time to get them. A revamped home can provide you with the psyche and motivation to face a new beginning. However, be careful not to overspend on such projects and end up digging into finances allocated for other things. You can find good quality and affordable decor pieces using a china product sourcing agent.
Set Your New Year Resolutions
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You can also decide that you want to take care of your body more and quit or cut down on alcohol within the first three months, very achievable. Do not put so much pressure on yourself with goals that take close to five years to achieve.
This is where most people go wrong—setting unrealistic goals that they end up giving up on along the way. The best way to go about this is to set objectives and divide them in categories, starting with the order into which you plan on achieving each one of them. A reasonable savings goal can be easily achieved within the first half of a year if you are responsible.
Conclusion
Most people are eagerly waiting for the new year, but a very small percentage of them are ready for it. Make a plan and make your transition easier. Starting a new chapter in life without a game plan is like going to the supermarket without a shopping list; you end up making unnecessary purchases and forget the things that took you there in the first place. If that is how you entered 2021, you probably understand why you are here, but the good thing is that you are open to improvement. Enjoy your holidays and have a happy and easy 2022.