{"id":55381,"date":"2024-12-31T09:00:17","date_gmt":"2024-12-31T01:00:17","guid":{"rendered":"http:\/\/wordpress-my-161844363.ap-southeast-1.elb.amazonaws.com\/articles\/?p=55381"},"modified":"2025-01-07T16:53:20","modified_gmt":"2025-01-07T08:53:20","slug":"financial-new-years-resolutions","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/financial-new-years-resolutions","title":{"rendered":"Financial New Year\u2019s Resolutions To Set Immediately"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">It is time to welcome a brand new year! <\/span><\/p>\n<p><span style=\"font-weight: 400;\">This also makes it an opportune time to set some brand new goals for yourself. Some of you have resolved to get fit and eat a healthier diet, while others are learning a new skill. These are all admirable goals, but have you thought about setting up some financial resolutions for the new year?<\/span><\/p>\n<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/07165255\/moneypriorities_article.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-66622\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/07165255\/moneypriorities_article.jpg\" alt=\"\" width=\"1200\" height=\"614\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/07165255\/moneypriorities_article.jpg 1200w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/07165255\/moneypriorities_article-300x154.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/07165255\/moneypriorities_article-800x409.jpg 800w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2024\/12\/07165255\/moneypriorities_article-768x393.jpg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Money resolutions are meant to help you save more and pay off any debt you might have, putting you on the right track to achieving financial prosperity. Are you wondering what financial resolutions to adopt? Here are a few that you might want to consider.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Gain-new-sources-of-income\"><\/span><b>Gain new sources of income<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There is always a risk of losing your source of income out of the blue. This is where having a back-up plan comes in handy. Diversifying your income can go a long way in securing your financial future, ensuring that you are not entirely dependent on a single source of income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Having multiple income streams will ensure you don&#8217;t have to worry about missing bills, struggling to save or going into debt. It will most certainly help you to achieve financial goals faster, build wealth, and even possibly retire earlier.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Re-evaluate-your-budget\"><\/span><b>Re-evaluate your budget<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you want to save more money in 2025, then it is time to take another look at your budget. Your new and improved budget should be adjusted to reflect your new goals. To achieve this, you must first decide how much you want to save by the end of 2025. For example, if you are looking to save 15% of your income every month, then you need to devise a realistic budget to stick to in order to spend the remainder efficiently.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some budgeting tips include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Slashing unnecessary spending\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Account for all your expenses\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avoid purchasing consumer goods via credit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make your budget fit your lifestyle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automate your finances<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><div class=\"block\"><div><\/span><span style=\"font-weight: 400;\">Not sure where to begin? Here are simple steps to start <a href=\"https:\/\/www.imoney.my\/articles\/budget-50-30-20\" target=\"_blank\" rel=\"noopener\">saving 20% on your monthly income<\/a>. <\/span><span style=\"font-weight: 400;\">There is also a quick and easy <\/span><a href=\"https:\/\/www.imoney.my\/articles\/save-weekend-spending\/\" target=\"_blank\" rel=\"noopener dofollow noreferrer\"><span style=\"font-weight: 400;\">weekend spending guide<\/span><\/a><span style=\"font-weight: 400;\"> to help you get started with slashing unnecessary spending.<\/span><span style=\"font-weight: 400;\"><\/div><\/div><\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Keep-your-cash-where-it-will-grow\"><\/span><b>Keep your cash where it will grow<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Savings are undoubtedly useful and everyone should have them. But for the most part, most savings accounts will have very low interest rates, meaning your cash will not grow very much over time. If you haven\u2019t already, you will want to start looking into places where your money can grow to not only keep up with inflation, but beat it entirely.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Wealth-generating investments such as treasury bonds &amp; bills, money market funds, <a href=\"https:\/\/www.imoney.my\/online-investment\" target=\"_blank\" rel=\"noopener\">robo advisors<\/a>, and unit trust funds can offer higher returns than savings accounts. If you have a higher risk tolerance than others, you can start aiming at investments with even higher returns, such as equity funds, REITs, or corporate bonds.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Try-to-live-below-your-means\"><\/span><b>Try to live below your means<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Sometimes, we end up spending more than we earn in a month. This can be due to any number of reasons. Perhaps there were emergency medical costs or unforeseen maintenance costs on your home. But if you find yourself overspending because you may have gone a little wild while shopping, then you may want to take another look at your finances.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To live below your means is to lead a comfortable lifestyle you can afford while saving a portion of your income for future use. It is not just about going full frugal hermit and avoiding debt, it also involves balancing your income and expenses. Budgeting is key to this way of life. Here are a few bad habits you may need to be aware of to live below your means:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Don\u2019t be a people pleaser &#8211;<\/b><span style=\"font-weight: 400;\"> This involves spending money to please others, even when hurting your bottom line. Learn to say no to making purchases just to make others happy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Impulsive spending &#8211; <\/b><span style=\"font-weight: 400;\">Don\u2019t make unplanned purchases unless it is absolutely necessary. Formulate a monthly budget and stick with it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Spending money that isn\u2019t yours &#8211; <\/b><span style=\"font-weight: 400;\">Using loans and credit cards to make purchases can get you deep into the red if you are not responsible enough. This money isn\u2019t yours, so you will have to pay it back sooner or later. Do not go overboard if you don\u2019t want to be buried in debt.<\/span><\/li>\n<\/ul>\n<p>Read More: <a href=\"https:\/\/www.imoney.my\/articles\/lifestyle-inflation-finances\" target=\"_blank\" rel=\"noopener\">How Lifestyle Inflation Hurts Your Finances<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Have-an-emergency-fund\"><\/span><b>Have an emergency fund<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Emergencies are unpredictable. Take the Covid-19 pandemic for example. No one saw it coming and it resulted in a massive global economic downturn. Without an <a href=\"https:\/\/www.imoney.my\/articles\/emergency-savings-expenses-salary\" target=\"_blank\" rel=\"noopener\">emergency fund<\/a> to act as a buffer for you, you might have to make financial decisions that can hurt your future financial prospects or retirement. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">You don\u2019t have to store away most of your earnings into the fund. At the very least, save at least six months worth of living expenses to help carry you through an unexpected crisis.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Plan-for-retirement\"><\/span><b>Plan for retirement<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">We don\u2019t tend to think about retirement until we are nearing it. However, retirement planning is a significant part of financial planning. If you want to spend your golden years not having to think about money, it is essential that you get your retirement plans underway as soon as possible. A good first step would be to set your retirement date.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setting a retirement date is not as simple as saying \u201cX age is when I will retire\u201d. You will first have to think about the kind of lifestyle you want to live after retirement. This will determine how much you need to earn and save leading up to and during retirement. For example, someone who plans to travel the world and while ticking everything off their bucket list is going to have a more expensive retirement than someone who simply wants to spend their days in peace, watching TV and tending to their garden at home.<\/span><\/p>\n<p>Read More: <a href=\"https:\/\/www.imoney.my\/articles\/how-much-does-it-cost-to-retire-per-month\" target=\"_blank\" rel=\"noopener\">Calculate Your Monthly Cost Of Retiremen<\/a>t<\/p>\n<p><span style=\"font-weight: 400;\">How early you plan to retire will also significantly impact how much you will need to earn and save. Those who wish to retire earlier may have to be more aggressive with their investments in order to meet their financial goals.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Get-adequate-insurance\"><\/span><b>Get adequate insurance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, you might go years without having to call up your insurance company, but you will likely regret not having the right insurance when something does go wrong.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember, the older you get, the more possible health complications you may face; and certain treatments can get prohibitively expensive. The same applies to your home. Buildings need to be maintained, and the older your home, the more likely something is going to break. Getting adequate insurance can give you peace of mind knowing that you have a backup in times of emergency.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class=\"block\"><div><\/span><span style=\"font-weight: 400;\">If you are not sure where to start, iMoney can help connect you to a wide range of <\/span><a href=\"https:\/\/www.imoney.my\/insurance\/search\/results-standalone?src=menu_dropdown\" target=\"_blank\" rel=\"noopener dofollow noreferrer\"><span style=\"font-weight: 400;\">life<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.imoney.my\/medical-insurance?src=menu_dropdown\" target=\"_blank\" rel=\"noopener dofollow noreferrer\"><span style=\"font-weight: 400;\">medical<\/span><\/a><span style=\"font-weight: 400;\"> insurance providers.<\/span><span style=\"font-weight: 400;\"><\/div><\/div><\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is one thing to set up financial goals and achievements. It is another thing entirely to follow-up and stick to the plan. Once you have managed to lay out a workable financial roadmap, you will need to instill the discipline in yourself to follow through. The year is still young, and the further along we go, the more curveballs it is going to throw at you. Take things one step at a time, and you should be able to pull through without too much issue.<\/span><\/p>\n<h6><em>This article has been updated on December 31, 2024.<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Here are a few  things you can do to put you on the right track to achieving financial prosperity this year.<\/p>\n","protected":false},"author":58,"featured_media":55419,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[259,218,308],"tags":[766,362,299,1017],"class_list":["post-55381","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chinese-new-year","category-money-management","category-saving-tips","tag-money-management","tag-new-years-resolution","tag-savings","tag-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Resolutions You Should Set For The New Year<\/title>\n<meta name=\"description\" content=\"The new year brings new opportunities. 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