The silly season is over. If you’re anything like me, you ate too much, drank too much, and partied too hard. Hopefully your credit cards are looking okay, if you planned your spending, but if not, now is the time to rein in the spending and get things under control.
So here are five simple ways to get back to sanity after Christmas and the New Year.
1. Don’t diet. Just eat sensibly.
Everyone knows diets don’t work, right? Instead, think how you can simplify your eating, reduce to a more basic eating style, and develop some good habits that can last you a lifetime.
Here are some ideas:
=> Swap the cereals or toast for a fruit smoothie at breakfast time.
=> Swap the coffee for tea. Some suggestions include green tea, peppermint or chamomile. Bringing your own tea bags to work and quitting the expensive coffees could save you ask much as $1100 a year (our local cafes charge $4.80 for a cappucino, so $4.80 x 5 per week x 48 weeks = $1152).
=> Quit the soft drinks, including the diet varieties. Replace with water and a slice of lemon.
2. Start a Christmas and birthdays savings plan for 2015. Do it today.
Christmas spending gets away from most of us.
The answer? Work out how much you’re likely to spend each year on Christmas, birthdays and so on, divide that amount by 52, and organise to save that much each week.
Most banks will even divide your pay automatically for you if you ask. Just $20 a week will add up to over $1000 in savings for a great Christmas with no debt. Well worth it!
3. Make January television-free.
Make January a television-free month. You won’t miss it. While you’re at it, consider taking a break from social media such as Facebook and Twitter too. Trust me, it’ll all still be there in February if you decide to let it all back in!
Enjoy all the free time you never knew you had until now.
4. Have a home holiday.
Go on holiday – at home. Tell people you’re away, take time off work if you can, and have a break by going nowhere. Relax. Sleep in. Have picnics on the carpet or breakfast in bed. Take time to reconnect with your partner. Be peaceful.
5. Learn to meditate.
Join a class or borrow some tapes and a book from the library. You won’t regret it 🙂