A stack of 3 books laid flat with spines showing - "The Millionaire Next Door", A Year of Less" and "Mending Matters" next to a glass of coffee.

Happy new year, friends! Guess what time it is?!? Time for some new habits…don’t worry, not being lame isn’t one of them :).

As I was making my final cup of coffee for the year, and in fact, the decade, on New Year’s Eve, I got to thinking about all of the lasts that we do at the end of the year. And also, all of the firsts that we do when a new year rolls in. And I don’t mean the things that we try to cram in at the end of a year to check some things off a list. Nor do I mean the resolutions that we tend to make at the beginning of a new year. I mean the mundane things that we do everyday, particularly the habits that we develop.

And this got me to thinking about daily habits. And how we can make the most out of each day. Because life is short and time goes so quickly, something I am really realizing as a parent…kid’s change A LOT and when you think of how fast the years have gone by since they’ve been born, it’s mind blowing, and exciting, but also sad.

I didn’t make any resolutions this year. Honestly, I never fully complete them and usually give up caring about them a few months into the year. In the past, I have made a few, thinking that this year will be different, but it never is. Maybe I’m finally accepting myself and all of my pros and cons.

But that doesn’t mean that I’m not doing anything that will ultimately have a positive impact on my daily life! But I’m choosing to phrase them as habits this year, because these are the things that I want to incorporate with no end game. These are habits that I am hoping to take from year to year.


Habit 1: Setting social media limits

I want to be more present in my daily life. But this means that I need to reign in the amount of time that I spend on social media, Instagram in particular. Which has led me to putting a time restriction for Instagram on my phone.

An overhead shot of my iPhone with a black screen and a coaster that reads "Sorry I can't I have plans with my cat" to illustrate my new social media habits.

If I’m being totally honest with you, I have spent up to 4 hours or more on that app some days. I’m embarrassed to have admitted that. Which is a good indicator that it was time to make a change.

Over the Christmas holiday, I took a few days off from the app and it was really nice. So now, I’ve put a 2 hour limit on my usage.

I break the time into 4 little chucks (15 min each) and then 1 larger chunk (1 hour when I post). I do enjoy being on there and interacting with the community. It’s only been a few days since I’ve figured out this system but it feels good.

Also,

A picture of one of my cats (white, tan and grey had siamese) stretched out on a cream colored mat with grey detailing.
The cat I have plans with…namely, snuggling 😉

Habit 2: Making physical fitness a priority

I am not a person who needs exercise to help my mood, although I do admit that I always feel better after I exercise. But I am quite content to stay stationary all day. However, I know that this is not good for my health.

I’ve always been like this. And because of my personality, I go through cycles where I’m fit and active for a while and then something happens, I give up being active and I become sedentary.

A closeup of my Apple Watch (black face and tan leather band) with some dumbbells in the background to illustrate my new fitness habits.

In the past, my appearance has driven a lot of my fitness goals. But in an effort to put my health first, I have decided to make physical fitness a permanent part of my life.

Knowing the way that I’m motivated, I asked for a fitness tracker for Christmas. I ended up with an Apple watch so that I could track my movement throughout the day. It allows me to set goals for movement, exercise and how much I stand. I can also see how many steps I’ve taken, the total distance I’ve moved and the equivalent flights of stairs that I’ve climbed.

I’m definitely a numbers person and I think that having access to this data will be very helpful.


Habit 3: Having a low buy year

A closeup of a partial stack of folded clothes (a cream knit on the bottom, a more colorful knit sweater in the middle and a pink toned silk floral dress on top) to illustrate my new wardrobe habits of appreciating what I already own.

Just like fitness, I go through phases with shopping. The cycles are much less frequent than they used to be but I still shop more than I’m comfortable with sometimes.

The end of this fall, for example. Even though all of the clothing that I purchased was secondhand, I still felt like I was a little out of control. I bought quite a few pieces and although they were high quality pieces that I will love for years, I didn’t need them.

As a result, I have decided to embark on a low buy year. I have a loosely defined rule that I can only purchase one new item a month, so a total of 12 items. If I end up purchasing a few more, then I won’t beat myself up about it, but I am not putting any allowances in there. If there’s anything I need to replace, I’ll plan it as my monthly purchase.

If you want to see how I’m appreciating what I already own, follow along here. I’ve also implemented a winter capsule wardrobe to keep my focus on the things that I already own. If you’re interested in starting a capsule wardrobe, read this post.


Habit 4: Incorporating a new budgeting method

A photo of a zippered wallet with books on the left hand side and a small circular mirror on the right hand side. You can see my blurred reflection while taking the photo in the mirror. This photo is intended to illustrate my new budgetary habits.

This brings me to my final habit that I want to focus on…sticking to a budget! I control the family budget and while we’ve had a budget forever, I’m not always the best at sticking to it. Some months it goes really well, which definitely helps balance the bad months.

But I’d like to stop having bad months altogether. So, after taking care of all the bills that we need to pay and allocating money to savings, I have a plan for the money that’s left over. This leftover money is what I use to pay for things such as groceries, gas, dining out, weekends, etc. I guess you could call this variable spending.

I’ve taken the total and divided it by the number of days in the month. This has given me a daily budget. At the end of the day, I write down all of our purchases and add them up. If we are under the daily budget, that extra money can carry over to the next day. If we are over the daily budget (easy to happen on grocery day), then the budget for the next day or two needs to accommodate for it.

For example, say our daily budget is $40/day. If we only spend $26 on one of the days, then we have $14 dollars that can roll over to the next day, which gives us $54 for the next day’s budget.

But if our daily budget is $40 and we spend $62 that day (over budget by $22), then we need to spend that much less the next day, so the next day’s budget would be $18.

This takes me a few minutes at the end of the day to calculate and I just write it in my daily planner as a reminder.


Are you incorporating any new habits into your life in 2020? Do any of the habits I mention above resonate with you?

Until next time,

This Post Has 5 Comments

  1. Isabel

    I downloaded the “daily budget” app on my Iphone last year and I swear it’s the best thing I’ve done in a long time for my finances. It works exactly as you described, only it does it for you. So keeping on top of the app is definitely a habit I want to keep. I also want to make a habit out of my yoga practice, which is why I am doing the Yoga with Adrienne Challenge. Moving forward I don’t intend to do Yoga daily, but maybe 3 times a week? We shall see.

    xxx
    Isabel
    https://isabelstories.com/

    1. Gillian

      Happy new year Isabel! That sounds like a really cool app! I’m a numbers dork and love doing it myself but I’m going to store this away for backup! And the yoga with Adrienne challenge sounds really great…I did some of her videos before and I really enjoyed them. Good luck with the challenge!

  2. Dakota

    We have very similar habits this year, Gillian!! Facebook is where I spent hours and hours of my time, so reduced that last year. I want to continue that into this year. I started exercising again. I feel more motivated to exercise when I remember that it makes me feel good and makes me stronger. I’m also budgeting with a goal of paying off my consumer credit card debt by the end of the year and to establish better money habits for the future. I like that you refer to these goals as habits because that means we are making positive changes for the long haul. Good luck! ❤️

    1. Gillian

      I’m so happy to be on this journey with you, Dakota!! I love your point about remembering that exercise makes you feel good and stronger!! I will try to remember that as well! And good luck with the debt repayment! That is such a great goal to have for the end of the year. Good luck with all of the habits that you implement this year! I look forward to hearing about them and may we carry them with us always 👊🏻🧡

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