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.
Showing posts with label saving money. Show all posts
Showing posts with label saving money. Show all posts
Saturday, December 27, 2008
Monday, December 8, 2008
Shopping Tips for the 25 Days of Christmas: Tip #14
From an earlier post, I described how I truly love how technology truly allows retailers to maximize customer service and drive sales. When I first started in retail, I remember how excited we were to get an corporate-wide email/intranet system. In fact, for about a month or so I went from store to store in our district, and beyond, to help train the store staff on how to use the intranet system.
What a different a few years (okay, about 17 or so!) makes! Technology leads us to the next couple of retai insider tips!
HOLIDAY SHOPPING TIP #14:
Sign up for retailers' text/cell phone updates.
I have received text messages from a handful of retailers that have alerted me to products (finally) instock (a hot Wii game!) to a "text only" coupon to save 25% over a two day window. Not bad. I did get the Wii game, did not use the coupon (it was instore only, I have no desire to deal with the mall right now!!!). Remember, text messaging charges may apply, so know your carrier's text message charges and policies.
I am also sure that many of you have heard of other functions and applications, such as the Amazon application for iPhone users called "Amazon Remembers". This is pretty cool. You can take a picture of an item, upload it to Amazon and within minutes (althought anecdotally I have been told that it can take a day or even two, but that has not been my experience) you can have an Amazon match of that same item with what is typically a better price! I love to price shop, as you can see in previous shopping tips, so if you have an iPhone, this is a very slick way of trying to get the best price possible (especially when Amazon ships that item for free!).
One cautionary note: I also have been told that there are some retailers that will ask you to not take pictures in their store. I can tell you from my past retail experience that indeed we did ask customers to not take pictures in our store. Mostly to protect people, however, not our sales! So click with caution!
p.s. Here is a killer site for finding amazing prices on highend designer items for holiday gift giving (and free shipping!!!):

What a different a few years (okay, about 17 or so!) makes! Technology leads us to the next couple of retai insider tips!
HOLIDAY SHOPPING TIP #14:
Sign up for retailers' text/cell phone updates.
I have received text messages from a handful of retailers that have alerted me to products (finally) instock (a hot Wii game!) to a "text only" coupon to save 25% over a two day window. Not bad. I did get the Wii game, did not use the coupon (it was instore only, I have no desire to deal with the mall right now!!!). Remember, text messaging charges may apply, so know your carrier's text message charges and policies.
I am also sure that many of you have heard of other functions and applications, such as the Amazon application for iPhone users called "Amazon Remembers". This is pretty cool. You can take a picture of an item, upload it to Amazon and within minutes (althought anecdotally I have been told that it can take a day or even two, but that has not been my experience) you can have an Amazon match of that same item with what is typically a better price! I love to price shop, as you can see in previous shopping tips, so if you have an iPhone, this is a very slick way of trying to get the best price possible (especially when Amazon ships that item for free!).
One cautionary note: I also have been told that there are some retailers that will ask you to not take pictures in their store. I can tell you from my past retail experience that indeed we did ask customers to not take pictures in our store. Mostly to protect people, however, not our sales! So click with caution!
p.s. Here is a killer site for finding amazing prices on highend designer items for holiday gift giving (and free shipping!!!):
Saturday, December 6, 2008
Shopping Tips for the 25 Days of Christmas: Tip #14
I love how technology truly allows retailers to maximize customer service and drive sales. When I first started in retail, I remember how excited we were to get an corporate-wide email/intranet system. In fact, for about a month or so I went from store to store in our district, and beyond, to help train the store staff on how to use the intranet system.
What a different a few years (okay, about 17 or so!) makes! Technology leads us to the next couple of retai insider tips!
HOLIDAY SHOPPING TIP #14:
Sign up for retailers' email updates.
As much as many of us hate to get spam, or emails that simply clog up our inbasket, you can make these emails pay off in savings of both time and money! I have received emails that have offered exclusive savings and special buys. You can always sign up for the emails, and if you truly do not find them to be value-added, you can opt-out (look at the bottom of the email, there will be some kind of verbage to remove your email from their list).
I get emails from both online retailers and brick and mortar retailers. I am a huge fan of Amazon.com emails as they not only offer great savings in many cases, but they are also designed to focus on my likes and interests based off of my recent purchases. (Yes, I am a sucker and think that somehow they "know" me there at Amazon.com!) I have already saved over $100.00 easily by watching my emails and taking advantage of special offers.
p.s. Shopping for eco-friendly loved ones? Gaiam.com is the online destination for people living a lifestyle of health and sustainability. We offer over 4,500 products in categories including; yoga, Pilates, organic cotton clothing and natural and healthy products for the home. Click here for more information and amazing savings!

What a different a few years (okay, about 17 or so!) makes! Technology leads us to the next couple of retai insider tips!
HOLIDAY SHOPPING TIP #14:
Sign up for retailers' email updates.
As much as many of us hate to get spam, or emails that simply clog up our inbasket, you can make these emails pay off in savings of both time and money! I have received emails that have offered exclusive savings and special buys. You can always sign up for the emails, and if you truly do not find them to be value-added, you can opt-out (look at the bottom of the email, there will be some kind of verbage to remove your email from their list).
I get emails from both online retailers and brick and mortar retailers. I am a huge fan of Amazon.com emails as they not only offer great savings in many cases, but they are also designed to focus on my likes and interests based off of my recent purchases. (Yes, I am a sucker and think that somehow they "know" me there at Amazon.com!) I have already saved over $100.00 easily by watching my emails and taking advantage of special offers.
p.s. Shopping for eco-friendly loved ones? Gaiam.com is the online destination for people living a lifestyle of health and sustainability. We offer over 4,500 products in categories including; yoga, Pilates, organic cotton clothing and natural and healthy products for the home. Click here for more information and amazing savings!
Thursday, December 4, 2008
Shopping Tips for the 25 Days of Christmas: Tip #13
If you have been following these tips, you will already know that I have blah, blah, blah years in retail blah, blah, blah management. Well, one thing that I can share with you is that when it comes to retail management, you are looking to run your store as smoothly as possible. With that "smoothly as possible" comes many "not so smooth" customer challenges and concerns.
I have always trained my teams, and I believe this to be fairly universal in the retail world (at least those retailers with a shot at survival!) that if a customer asks for something reasonable, it is reasonable to grant that wish. Reasonable is in the eye of the beholder, or hurried retail manager, in this case. What I am going to advocate in this tip is very, very, VERY reasonable: When it comes to your online shopping, you have to ASK for something very easy for an online retailer to do to make you happy and click through to buy your shopping cart:
HOLIDAY SHOPPING TIP #13:
Ask for FREE SHIPPING!
Not a huge secret, really. Most retailers have an online code that they can offer you for free shipping. All you have to do is ask. The best place to go to is a live online customer service "chat" associate. Trust me, if you ask, they will give the free shipping code (along with other great shopping codes that they may be offering!).
Google your favorite online retailer for free shipping codes, and you can also find that there are many sites and blogs out there that will give you those very codes! Here is a fabulous site, MomsWhoSave.com. I found this site on Twitter, a great place to find such resources.
Speaking of Twitter, log on and send out a message to see if anyone can give you codes for a website that you are interested it. I have seen people helping each other out on Twitter, it is a great place to network and find such information. (BTW...you can follow me at http://twitter.com/KellyAlvarez!
You can also email or call the online retailer, but often at this time of the year, response times are longer than usual. If you are trying to lock into a great price, or have a short timeframe, that may not work.
p.s. Here is one online retailer that is offering free shipping: Benefit! For any of you that have beauty enthusiasts on your holiday list (or you need to get some special beauty products for yourself!) Click on these links for some of the best beauty products out there with fantastic savings!!!!

Enjoy FREE US Standard Shipping on any order for 4 days only. Enter promo code GIFTSDEC at checkout. Offer expires at 11:59pm PST 12.7.08. Not valid with other offers.
I have always trained my teams, and I believe this to be fairly universal in the retail world (at least those retailers with a shot at survival!) that if a customer asks for something reasonable, it is reasonable to grant that wish. Reasonable is in the eye of the beholder, or hurried retail manager, in this case. What I am going to advocate in this tip is very, very, VERY reasonable: When it comes to your online shopping, you have to ASK for something very easy for an online retailer to do to make you happy and click through to buy your shopping cart:
HOLIDAY SHOPPING TIP #13:
Ask for FREE SHIPPING!
Not a huge secret, really. Most retailers have an online code that they can offer you for free shipping. All you have to do is ask. The best place to go to is a live online customer service "chat" associate. Trust me, if you ask, they will give the free shipping code (along with other great shopping codes that they may be offering!).
Google your favorite online retailer for free shipping codes, and you can also find that there are many sites and blogs out there that will give you those very codes! Here is a fabulous site, MomsWhoSave.com. I found this site on Twitter, a great place to find such resources.
Speaking of Twitter, log on and send out a message to see if anyone can give you codes for a website that you are interested it. I have seen people helping each other out on Twitter, it is a great place to network and find such information. (BTW...you can follow me at http://twitter.com/KellyAlvarez!
You can also email or call the online retailer, but often at this time of the year, response times are longer than usual. If you are trying to lock into a great price, or have a short timeframe, that may not work.
p.s. Here is one online retailer that is offering free shipping: Benefit! For any of you that have beauty enthusiasts on your holiday list (or you need to get some special beauty products for yourself!) Click on these links for some of the best beauty products out there with fantastic savings!!!!
Shopping Tips for the 25 Days of Christmas: Tip #12
After over 15 years in the retail industry as a buyer, corporate trainer and store executive, I am ALLLLLLLL about the price and value equation. After spending years sourcing clothing, I know the ins and outs of the fashion industry. Later, with a stint with a major electronics retailer I learned a great deal about consumer electronics. With this knowledge, I am slightly dangerous when it comes to knowing what to pay for something!
Lately, I have been finding that while brick and mortar retailers are offering some fantastic prices (and prices will only get better the closer we get to the holidays!) but I have found online prices that beat the instore prices SIGNIFICANTLY! I recently made an "small" electronics purchase which was $55 cheaper than the best instore price...and I qualified for FREE SHIPPING! WHOO HOOOOO!!
HOLIDAY SHOPPING TIP #12:
Shop around online, don't waste your precious time AND gas finding the store with the best price!
I know that many more of us are letting our "fingers do the walking" if you will online to find exclusive items, hard-to-find items (like some of the wii and nintendo ds games that I cannot even find at some brick and mortar retailers!) and to simply save time and energy. But, seriously, this season more than ever, I am truly finding some of the best pricing online. Not a few bucks, and certainly not savings that are quickly eroded by exorbinant shipping and handling costs! I am finding significant savings that actually put money back in my pocket!
p.s. Here is one online retailer that is offering amazing savings as well: Benefit! For any of you that have beauty enthusiasts on your holiday list (or you need to get some special beauty products for yourself!) Click on these links for some of the best beauty products out there with fantastic savings!!!!

Enjoy FREE US Standard Shipping on any order for 4 days only. Enter promo code GIFTSDEC at checkout. Offer expires at 11:59pm PST 12.7.08. Not valid with other offers.
Lately, I have been finding that while brick and mortar retailers are offering some fantastic prices (and prices will only get better the closer we get to the holidays!) but I have found online prices that beat the instore prices SIGNIFICANTLY! I recently made an "small" electronics purchase which was $55 cheaper than the best instore price...and I qualified for FREE SHIPPING! WHOO HOOOOO!!
HOLIDAY SHOPPING TIP #12:
Shop around online, don't waste your precious time AND gas finding the store with the best price!
I know that many more of us are letting our "fingers do the walking" if you will online to find exclusive items, hard-to-find items (like some of the wii and nintendo ds games that I cannot even find at some brick and mortar retailers!) and to simply save time and energy. But, seriously, this season more than ever, I am truly finding some of the best pricing online. Not a few bucks, and certainly not savings that are quickly eroded by exorbinant shipping and handling costs! I am finding significant savings that actually put money back in my pocket!
p.s. Here is one online retailer that is offering amazing savings as well: Benefit! For any of you that have beauty enthusiasts on your holiday list (or you need to get some special beauty products for yourself!) Click on these links for some of the best beauty products out there with fantastic savings!!!!
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