How to Create an Actionable and Successful New Years Resolution

This is an article that I wrote which was recently published! Feel free to visit the article here as well: http://ezinearticles.com/?How-to-Create-an-Actionable-and-Successful-New-Years-Resolution&id=1791609

It is again that time to evaluate the year that is coming to a close and to dream of what could be in the New Year that is upon us. Some of us will develop New Year's Resolutions and dream big. Some of us will look with a cynical eye at that process and let another year go by without fulfilling a dream. Unfortunately, the latter approach stems from how so many of us have created those New Years resolutions only to find that we are not successful within months, if not weeks into the New Year.

Here are some basic tips and examples of how to create a New Year's Resolution that you can truly incorporate into your every day life. Go ahead and dream big, you can be successful with a New Year's Resolution! Make 2009 your year to accomplish greatness and use these tips to help loved ones accomplish their desires along with you!

The first step is to decide what is a realistic desire or dream is and to write it down at the top of a piece of paper. You have to define what your goal is. Furthermore it has to be something that you can realistically accomplish. "World Peace" is amazing, and I admire that sentiment. But that is bigger than me, and I need something that I can work on every day that I own and can directly impact.

Then, on this same piece of paper draw a line down the middle of that paper and one half of the page should be titled Qualitative and the other have should be titled Quantitative. The Qualitative side describes the qualities of your dream or desire. How will it feel, how will it change your life, how will it impact those that you know and love? The Quantitative side is how it will be documented, weighed, supported and measured. Once you have brainstormed this on our own, I strongly suggest sharing these ideas with a loved one. You can get their input and ideas, and even more importantly, their "buy-in" to help support your goals! Putting all of this together on your sheet of paper is the foundation to creating an actionable game plan to accomplish this resolution.

Here are three of examples to assist you in understanding how easy this process is, what it could look like and provide some ideas for your New Year's Resolution!

Example 1:
I want to create a budget to save money.

Qualitative factors:
I will have to prepare myself to go without something that may be special to me.
I will sacrifice to save that money.
I will feel better if I have some extra money in the bank, for an emergency or for something fun.
I love my daily mocha at work, but that would be something that I could sacrifice that would save me a lot of money.

Quantitative factors:
That beloved mocha costs $3.95 each day that I work.
I work roughly 260 days of the year.
If I do not buy that mocha each day, I will save $1027.00 with this resolution.
To ensure that I save that money, I am going to set up a bank account into which I will transfer $3.95 for each day that I go without my mocha.
By the end of the year I should have $1027.00 in that account (without any adjustments for interest, of course!).

Example 2:
I want to lose weight this year.

Qualitative factors:
I know that I will feel better.
I will be able to fit back into my skinny jeans.
I will extend my life expectancy and enjoy my family longer!

Quantitative factors:
It is realistic to lose on the average 1 pound per week, so my first goal is to lose 20 pounds this year. I will strive for that first 20, and continue forward once I have hit that goal.
To lose approximately 1 pound per week, I need to cut about 300-500 calories per day.
A daily mocha is about 330-400 calories, depending upon the milk I ask for (nonfat slightly less than whole milk, of course)
If I no longer drink a daily mocha, I will save at least 330 calories per day.
I will track my daily caloric intake in a weight loss journal and add up the calories each day. I will not add anything to my diet that would take the place of those 330 calories!
I will weigh in every Monday and ensure that I am losing my 1 pound each week.
I will enter that weight each week into my weight loss journal and ensure that I am on track to lose my one pound per week.
I will also increase my exercise by using that time that I typically got the mocha and sat to drink it to walk instead; walking each day, 5 days a week for approximately 30 minutes.
I will note that walking each day in my weight loss journal to stay on track with my overall weight loss goal.

Example 3:
I want to focus on family this year.

Qualitative factors:
I know that it will bring my family closer together.
I know that we will have fun together and create family memories to last a lifetime.
I may save even more money by not going out.

Quantitative factors:
As we are a busy family, we will post a family calendar.
We will set each Friday night aside as a family night and put that on the calendar.
Everyone can plan their week around that evening.
We will create a rotation of who gets to select what we do that evening to keep that evening interesting, fun and spontaneous.
That rotation will be noted on the calendar by calling each Friday night by the family member's name and chosen activity, like Kelly's Cooking Night in which we all cook a meal together.
We will also document each evening by taking pictures or video and create a yearlong digital diary of our evenings together.

As you can see, New Year's Resolutions can be fun and can help you create true change in your life. By discovering both the Qualitative or subjective and emotional roots in your resolution AND the Quantitative or objective and measurable aspects in your resolution, you will be far more successful in accomplishing your resolution all year long. You can dream big and still be successful! With just these few statements on either side of my Resolution page, I can craft a game plan that will work, that is actionable, that is measurable and that will help me save money, lose weight and/or improve my family life.

From here, I suggest typing up your New Year's Resolution and laminating a couple of copies. One posted by your mirror so you are reminded of it every morning is a great way to start your day in the right direction. Put one copy by something that is a constant reminder of your Resolution. For example, if you are trying to lose weight, post it on your pantry door. That way you can think about your Resolution before opening that door for a snack! Of course, you will also need to prepare and have your tools handy and in a place that you touch every day. For example, for weight loss, you may need to get a pedometer and a journal in which you can track your calories, weigh-ins and your exercise routine. Keep that on your desk if you check email each day, or in your purse or briefcase so you can track your progress throughout the day.

Finally, don't forget to celebrate the wins. If you lose your first 20 pounds, treat yourself to something special. Maybe a new pair of jeans you have had your eyes on, or a makeup makeover! If you save your budgeted savings, pay off some debt and celebrate your steps toward financial freedom or retirement! If you find that you enjoy those amazing family nights together, create a digital scrapbook as a gift to your loved ones next Holiday season. Make a calendar that spotlights 12 of your favorite pictures together, or create a journal of your favorite pictures for your kids.

25 Holiday Shopping Tips for the 25 Days of Christmas: Tip #3

After over 15 years of retail management, I understand how important getting the right price can be to the customer. I know from my own experience how frustrating it can be to buy something, only to find that a few short days later it is cheaper! Consumers want to feel like they got the best price possible, and with so many of us on much tighter holiday budgets it is more important than ever. And truly, most retailers will work really hard to make sure that you get the right price, and that you are satisfied with your purchase.

This tip is even more important in the current retail environment. With a tightening economy, many retailers are becoming more and more promotional, and will be driving sales fast and furious. So, you will have to be quick and savvy shopper to keep up!

HOLIDAY SHOPPING TIP #3:

Keep an eye on the ads and offers from retailers. If you have already started your holiday shopping, you may qualify for a price adjustment if the price has dropped since you purchased that item (or items!). Keep your receipts handy, and you may find yourself saving a few extra bucks this holiday season!

Most major retailers have a price adjustment policy, for example, Target gives you 14days to price adjust with your receipt. The only exception is clearance. Make sure you know the price adjustment policy of the retailers you frequent this holiday season. I have already saved $10.00 in price adjusting THIS WEEK. I cannot stress enough how quickly prices are going to adjust to this economy, and I want to see you benefit from those price adjustments!

I keep my receipts from about a 15 day - 30 day time period in an envelope in my purse. That way, if I see prices that have changed, I am able to get the adjustment immediately, while I am already in the store. I also watch the ads and circulars closely and check to make sure that my previous purchases have not dropped in price any further.

Even your online purchases should qualify, so again, be informed before you buy! The easiest way to protect yourself with online purchases is to either bookmark that page or mark it as a "favorite". That way you can check back to see if the price has changed. You can also create "Google Alerts" that would let you know anytime that item has been featured in a news article, blog, website, etc. Now, of course, this is a lot of work for a handful of stocking stuffers! However, I would recommend you take the couple of extra seconds, or even minutes, for your online big ticket purchases.

Speaking of online, sometimes retailers have online prices that are different then their prices instore. This is usually a tricky one and many retailers will not adjust prices when it comes to a price on their website vs. a price in their store. If you purchased the item online and it is less expensive in the store, most likely they will direct you back to the website to contact the customer service division. This is where I love retailers with live chat!

If you purchased the item instore, and see it less expensive on their website, you may have the option of asking the store for the price adjustment. I would screen print the item and price and have that as backup. Often, when customers are clearly informed, professional and polite, managers will be flexible and want to help.

Insider Tip: I also urge you to be a savvy consumer and ask store management if they will adjust prices for you if you are outside of their price adjustment window. I know people who start their holiday shopping early, and while prices are dropping now, they should still have some measure of price protection. From my experience in store management, it was the extremely rare exception that we did not price adjust to make a customer happy. If you bought that XBox a year or so ago and it is less expensive now, that would most likely not qualify, not even with the most liberal of store policies. But, if you bought that hot game in October that everyone said would disappear before the holidays, well...you probably have a great case for a store manager who needs to work a bit harder this holiday season to keep your business!

P.S. Give the gift of beauty from Benefit this holiday season! Their prices are fantastic, and Benefit is offering amazing holiday offers! Click the picture below for more information or to start shopping:


Unlock Benefit’s holiday treasure chest to reveal a secret beauty treat! Gorgeous gifts, shipping offers, or insider tips…each day there is something new!

Holiday Shopping Tips for the 25 Days of Christmas!

After over 15 years of retail management, I know how retailers lure in shoppers and entice them to spend far more than they may have budgeted. How many times did you get to your car or your home and start looking at the bags and the arm long receipts and wonder why you ended up buying too much? We have all been there, and I hope these holiday shopping tips with save you both time AND money! Bookmark or follow my blog for the next 24 tips in the days to come!

HOLIDAY SHOPPING TIP #2:

Bring in ads and store circulars to shop for specific items.

This comes on the heels of tip #1 (Make a list, check it twice) for a very specific reason: to help you buy the right items at the right prices.

Often, retailers offer a specific item, say a particular mp3 player at a killer price point. These "door busters" (or whatever that retailer calls them) are a special buy for holiday shoppers. It is a specific item that the buyers negotiated with the manufacturer, and it is often slightly different than the other mp3 offerings that store may have. It may be that it only comes in black, that it has slightly less file storage than another, maybe slightly lower quality earplugs. You get the picture.

So, when you go to the store, you grab the first mp3 player that you find, assuming that it is that killer item from your ad. You have a basketful of items, and you may or may not even notice in the rush, and the lines, and the crowds that the mp3 player you thought was that amazing price that is in your budget is actually the other mp3 player that is twice as much!

Bring the ad, bring the store circular. Take the time to make sure that what you are purchasing is what is in the ad. Often, the small print has the model number to match to the item you are buying.

Extra tip: As these items are often special purchases, with limited quantities, you may find that the items are already out of stock. I hate to share trade secrets, but I have been in situations where only 6 of an item arrived...and 100 people lined up outside for those six items. Retailers will not offer rainchecks, as the quantity is limited. I would urge you to find a manager, first asking for the store manager, to see if they can work with you on offering a great price on a similar item. Most of the time they will...they want to save the sale, they want to drive the volume, and, if they are truly worth their name badge, they want to make YOU happy! Ask, and ye shall receive!

p.s. Here is an amazing gift to give, and you don't have to worry about any "fine print"! Give the gift of beauty from Benefit Cosmetics! They have amazing gifts for women of all ages, and their products consistenly win rave reviews from makeup artists and makeup industry insiders! With the amazing savings these links offer you, you can afford to treat yourself, too!


Click on image for more information or to purchase! Whether you’re sending gorgeous gifts to loved ones or to yourself, for one week only get FREE US Standard Shipping on any $25 purchase. Enter promo code MYGIFT25 at checkout. Offer valid 11.18.08 thru 11.25.08. Not valid with other offers.