- De-clutter and donate. Clear out superfluous clothing, linens, toys, and household goods and drop them off at Goodwill, a homeless shelter, or other charity. There could be a tax deduction in it if you itemize.
- Make room for fresh, healthful foods. Clean out the pantry, fridge and freezer. Don't let expired food carry over into a new year. Shop anew for a healthier you!
- Out with the old. Check medications, both OTC and prescription, and dispose of anything that's past its expiry date. Throw away old makeup, creams, and lotions - you ladies know what I'm talking about.
- Know where your money went. Run end-of-year reports in your accounting system (Quicken, Mint.com, etc.). Take note of how you spent your money (by category and by payee), and see if you can find opportunities for savings next year. If you don't use personal financial software, consider starting to in January. You can also check your online accounts; some banks and credit cards offer budget views that provide a general summary of expenditure types.
- Be as debt-free as possible. Pay off all outstanding debts you can afford to. If you have multiple credit card balances, consolidate them onto the lowest-rate card you can find, and make paying down the total a priority in the new year.
- Check up on your tithe. Figure out how much of your income you have shared with those less fortunate than you, and consider making one more donation to the non-profit organizations that best address the issues that touch your heart.
- Write thank-you letters. Take care of this before you forget! Thank the people who gave you presents or entertained you over the holidays or helped you in some way. Read tips for writing thank-you's in this electronic age.
- Clean and tidy your living space and vehicles.
Now you are ready to welcome the New Year and put your best foot forward on January 1.
1 comment:
Great advice... as always!
Post a Comment