5 Easy New Year’s Resolutions To Kickstart Your 2020
It’s “New Year, New Me” season! That means contemplating self-betterment options - ones often planned and penned without preparation or foresight. Losing interest in your resolutions in the first month or so isn’t necessarily your fault, though. Contrary to what certain apps and books tell us, 21 days aren’t actually enough for us to form a new habit. To master our New Year’s Resolutions, like daily gym sessions and meal preparations three weeks into the new year would be unrealistic, and we shouldn’t be too hard on ourselves for struggling with these resolutions.
Phillippa Lally, a health psychology researcher, investigated the timeline (Lally, van Jaarsveld, Potts & Wardle, 2009) of habit formation with 96 people picking different habits of their own over a 12-week period. She discovered that it takes 66 days on average and plenty of repetitions before a new behaviour becomes automatic.
So for 2020, be kinder to yourselves and set yourself up for success with your resolutions! We’ve picked out some good resolutions to make that you can have fun with, without the humdrums that come with repetitions:
Take Baby Steps
The envy and intimidation of the fitter people in the gym adds to the reluctance for most beginners, but it’s important to remember that they too were beginners once. Try starting with a 15-minute run, then spend another 15 minutes back, at a pace you’re really comfortable with. Do it once a week, and then twice, then for a longer duration and a quicker pace. Before you know it, you’ll be looking forward to your sessions.
Make A Meal Out Of It
Your exercises and meals go hand-in-hand, whether you’re trying to lose ten kilograms, or gain them. There is no such thing as a magical one-size-fits-all diet - different methods work for different people. Find a method of healthy eating that works for your lifestyle, and more importantly, one you continue to look forward to. Discover your taste palette and plot your meal plan, for the joy is in the journey.
Sing A Different Song
You know that new hairstyle you’ve thought of trying out, or the wardrobe revamp you’ve contemplated? Go for them! Even if the new hairdo or apparel isn’t quite working out for you, your willingness to experiment adds a spring to your step that others will notice, even if you don’t. Battle that fear of regret with a second opinion from friends or professionals, and learn a thing or two about boosting your confidence and style-factor as you explore your options.
Save For A Rainy Day
According to Business Insider, just 6 in 10 Singapore millennials1 save over 20% of their salary, the recommended amount by financial experts. There are, of course, more ways to plan for a comfortable retirement. You can invest in stocks, bonds, and annuities with your SRS balance to grow your savings. Investment returns are tax-free, and you’re allowed to withdraw any amount from your balance anytime you’ll need to. Ready to give it a go? Find out how much tax savings can you potentially enjoy with SRS with our calculator here. We’ve also got more tips on starting your year right with better financial decisions that ought to encourage you further.
Go On Record
You deserve more than just a Before & After shot of yourselves as you track the progress of your resolutions, especially with the mediums and platforms now available. Vlogging or recording regular podcasts could enlighten you to the changes in your tone and mood throughout the year when sharing your milestones, giving you more to cheer about than just your physical changes. And remember, many people make a living out of sharing about their days and journeys!
You could do with more tips and tricks going into the New Year, and they lay close to you - with your friends and family, whatever age they may be. Whether you’re a Boomer, or part of today’s Zoomers who are taught to save and be prepared in case of rainy days, we share a lot more in common than we know. Through intergenerational interactions, you’d be surprised what little pearls of wisdom we could pick up from each other. Let 2020 be the year we make time to bond with others who are different, so we can all learn something new and share ideas and collaborate, no matter which generation we belong to.
Give yourselves an excuse to carry on with your resolutions, not one to ditch them three weeks into January. We hope some of the tips we’ve shared keep you going in 2020 as you chase your goals and DO life. Reach out to your Prudential Financial Consultants to start your year off with savings plans and insurance needs that are tailored to you. Have you got more tips you’d like to share with us? We’re all ears!
1Lally, P., van Jaarsveld, C., Potts, H., & Wardle, J. (2009). How are habits formed: Modelling habit formation in the real world. European Journal Of Social Psychology, 40(6), 998-1009. doi: 10.1002/ejsp.674
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