1. I will be a better negotiator.
Everything in life is negotiable.
I want you to remember, as you travel through 2019, that damned near everything in life is negotiable. That includes your monthly bills.
Make a list of your vendors/providers, list your monthly expense for each, then sit down and give them a call. Yep, you read that right. Call 'em.
"Hi, this is [_________], and I'm calling to see how I can lower my bill."
Give the provider an opportunity to respond and when they have given you their very best offer, respond with a "Are you sure that's the best deal I can get?" It works, trust me.
Last year I did this exercise and was able to slash my electric bill in half. They gave me their 'best deal' three separate times but each instance when I asked if it was the best deal they could give me, the provider shaved off just a wee bit more.
Ask. Some may say no, like our water company did, but for the ones that are willing to negotiate - it is absolutely worth the small amount of time and minimal effort.
2. I will set firm goals.
Are you living your best life?
What in the hell does that even mean?
People tend to throw that concept around but couldn't define what their 'best life' would look like if their 'best life' depended on it.
If you can't visualize it, you can't achieve it.
Give your goals a name. Give them a personality. Make your goals tangible and, by doing so, you will make them real!
Do you want to get out from under that monthly car payment? Set a date (like literally place it on your calendar) and make all the extra payments necessary to achieve that goal.
3. I will control my future.
Are you waiting on someone else to do the hard work for you?
How's that working out?
No one on Planet Earth is responsible for your financial security (or any other type of security) except you.
You can steer your future in any direction you like. You can steer your family towards financial freedom or towards financial ruin.
I know you'll make the right choice.