2017 wasn’t exactly the biggest year for your finances. At all. You’re looking to improve on this year, to make 2018 the 2017 you didn’t have. Here are some tips for you that’ll hopefully help you along.
Reflect On 2017
Before you look at 2018, take stock of 2017. Look back on the financial challenges you had, and what didn’t go well for you. Make a list of them. Then, make a list of what went well for you, no matter how small. Add the bills you were able to pay, the roof over your head, the food you could afford (even if you had to cut down on your budget).
See the Positives In the Challenges
Go back to what didn’t go well for you and see if you can turn it into a positive. For example, maybe you missed a payment. The positive could be it gave you the impetus to be more resourceful to ensure another payment wouldn’t be missed. Going forward, looking for the positives can help you see a financial challenge differently, and is a strategy you can use in 2018.
Invest in a Wall Chart
Buy a 2018 wall chart and write in all your financial responsibilities. It can help to have a visual map of your outgoings. You can also do one for your incomings. If you’re not really feeling to buy a wall chart, think about what works for you. How can you keep stock of your incomings and outgoings in a creative way? Maybe you could buy two custom ring binders with a design of your choice, making it not just any ring binder you buy off the shelf, but a creatively designed personalised one.
Get a Better-Paying Job
Getting a part-time job or a job that pays better could be one of your aims for 2018. If you’re an employee, asking for a pay increase could be an option. If you freelance, you could up your rate for current and new clients. A fresh year is the ideal time to make this change.
Diary Entry: 31st December 2018
Imagine it’s approaching the end of 2018. Imagine you’ve achieved everything you hoped you would. It’s 31st December 2018. You’re making a diary entry, reflecting on the year you’ve had. What would you write?
Write it now.
If you write as if you’ve achieved what you want, your brain gets that feel-good response. You and it get to rehearse the possible, you get to visualise it, and visualising can be a very powerful tool in your arsenal to help you achieve the better 2018 you want your bank account to have. It’s like dreaming while awake, and you’re in control in this ‘dream’ because you get to imagine, you get to write it.
2018 is 365 days of chances to massage your bank account. Start thanking yourself now for what you will achieve. In a way, you’re already where you want to be. You just have to step into it.