The new has already knocked the door and we are celebrating it like never before and we should do this. But while celebrating we should move to new year new approach towards our life, so is to our finances. We should ensure that we are having some realistic financial resolutions this year. Not some very big and artificial ones like previous years just to forget once more. Those who don't have such habit of making a resolution and sticking to it forever should start with some easier ones.The psychological reason behind making resolutions are just make it into our habit and does need any special day but relate it some special day so that start believing that the resolution is special one just to ensure your are sticking to that.
There are some easier resolutions you can make this year. Remember its not late. These are as below:
1. Promise to save 10% your monthly income every month.
2. Cut unnecessary expenses like expenses on beer, alcohol, smoking. It helps in saving some money regularly and huge money because lower health care expenses.
3. Normally eat at home. It's better as it is hygienic, healthy and cheaper.
4. Make distributions towards retirement planning from today itself. If required visit a financial planner.