What if you could set your New Year’s resolution and save money while doing so? Before you go spending more than you need, here’s some money-saving help for five of the top resolutions for 2013: getting organized, establishing a budget, spending more quality time with family, quitting smoking, creating a health and wellness plan.
For many people staying organized throughout the year can be a challenge; whether it be at home, work office, or even your vehicle. During the month of January, office and home decor stores have their organizational items and tools marked down the entire month of January. You can score planners, file cabinets, folders, calenders, and more for 30 percent to 40 percent off without you needing a coupon! But, make the deal even sweeter by applying a coupon to your purchase. Typically, these coupons can be found on your favorite store’s website.
Creating a Health and Wellness Plan
Most workout facilities look to capitalize on your new year’s weight loss goals. This time of year, annual membership fees are usually reduced and some completely eliminated. Also, at some fitness centers, instead of a one-week free pass you can get a pass for a free month. If you’re focused on a diet, seek out weight loss programs that offer reduced introductory offers to help you begin your journey to healthier eating. Currently, Weight Watchers is waiving their registration fee if you join before March 16,2013. For those of you who can’t afford a fee-based diet program try a free meal plan guide such as EatingWell.com
Establishing A Budget
This resolution is usually at the very top of the list for most people. This is primarily due to overspending throughout the holiday season. You can use free online software to help get started with your budget. BudgetSimple.com offers free online software to help you create a budget. This program allows you to allocate your money into separate spending categories. By doing this you set a limit of how much you will spend on your necessities and wants. You can update your information every time you spend money, allowing you to keep track of your spending. Also, there are many money challenges circulating this time of year. (We’ve talked about The 52 Week Money Challenge previously.) This is where you can commit to saving a certain dollar amount periodically to obtain a money-saving goal at the end of the challenge. Take a peek at to help you get started.
Kicking The Smoking Habit
Not only can smoking be unhealthy for you, it can also drain your piggy bank. Someone with a smoking habit of a pack of cigarettes per day spends around $2,000 annually out of pocket. This is an average of $10,000 over five years. Can you imagine what you can do with $10,000? You could purchase a car, add to your savings, or apply the extra savings towards a new home! Here’s a free quit smoking kit by AAHealth.org to help aid you in kicking the habit.
Spending More Quality Time With The Family
Quality time with family doesn’t have to cost you money. There are a lot of free things you can do with your family. For example, start a weekly movie night.You can rent free DVD’s from your local library. To keep the fun going, check with your local park district. Typically, there are free events and fairs that your city puts on every month for you and your family to enjoy.
Whatever your New Year’s resolution may be, we encourage you to finish what you start. Are you up for the challenge?
Tai and Tarin Perry, the Double Saving Divas, are financially savvy identical twin sisters, and investment bankers turned money saving experts. You can also connect with them on their Twitter, Facebook, and YouTube Channel.
And be sure to join us on the Madame Noire Business Facebook page for a live chat with the Double Saving Divas this Friday at 3pm. We’ll be answering your questions about saving money, setting a budget, and sticking to it.