The best of you in 2019

  • Health Tip #1: Eat a healthy diet;
  • Health Tip #2: Exercise;
  • Health Tip #3: Avoid risky habits;
  • Health Tip #4: Manage stress;
  • Health Tip #5: Sun safely;
  • Health Tip #6: Check for breast cancer.

Tips for boosting your financial health

Here are a few tips for how to get your finances on track in 2019.

  • Determine your goals. Laying out your goals and writing them down is the first step to staying on the right financial track. What’s most important to you? Whether it’s saving for your child’s college or funding your own retirement, those will require a different plan of attack. You have to articulate your goals in order to prioritse them.
  • Create a budget and one that’s realistic and involves research. Look at what you spent in all categories in 2018. Use that as your basis for your 2019 budget. And include everything: wedding gifts, gas money, groceries, oil changes. Whatever is left over should go toward paying off debt, a savings account or some type of investment.
  • Consolidate loans.Consider taking advantage of low interest rates by refinancing your mortgage or consolidating your loans. You’ll feel better about contributing that money.
  • Transfer high-interest balances.The New Year is a great time to take advantage of lower interest rate credit cards. By transferring your balances to cards with zero percent for 12 months, you can save thousands in interest charges alone. And, if you can pay them off in full, even if you have a little less wiggle room, even better.
  • Keep calm, and save for retirement. It’s simple. You must save for retirement; there’s just no way around it. You have to take ownership of your future. Nobody’s going to do it if you don’t. Make sure you’re maximising your contributions and setting money aside for a rainy day.

The New Year can be a great excuse to step back, plan, and get your finances on track. If you follow these simple tips, you’ll begin to see the fruit of your labour this year. And it will be worth it.

The best you:

Step 1

Identify your self-limiting beliefs. This may not be easy because they are so much a part of you and because it feels risky to question any characteristic that helps you feel safe. Make a list of all your self-limiting beliefs and challenge each one.

Step 2

Ask yourself how each statement is limiting you and why you believe it; what evidence there is and, most importantly, why you feel you need to believe the statement. After all, regardless of how you acquired any particular belief, it is you who are maintaining it.

Step 3

Make a plan to step outside your comfort zone, recognizing that it may take loads of practice over an extended period of time to become passably competent at your new skill.

Step 4

Work with a buddy who also wants to change a self-limiting belief. Support each other with regular updates and celebrations of success, even small progress steps. It may not be easy because they are so much a part of you and because it feels risky to question any characteristic that helps you feel safe, so it might feel safer to work closely with a coach to be able to identify those very well hidden blocks.

Tips from smart women

On letting go of perfection and being good enough:

I think this… "perfectionist gene" that too many young women have, holds them back, and instead they should be really aiming for good enough. You don’t have to be perfect. Most men never think like that. They’re just trying to figure out what’s the opening and how they can seize it. They’re not thinking about: Oh my gosh… I’m not perfect, my hair’s not perfect today, I wore the wrong shoes. No. - Hilary Clinton

On being flexible:

I used to dream about one day being at Wimbledon. I could taste the strawberries and cream I could see myself curtseying there at center court. And I didn’t make it there, obviously, as a tennis player, but let me tell you even though I had a mic in my hand instead of a tennis racket for ESPN, when I went to cover it for the first time; to me it was like ‘check! Wimbledon.’ You have to be creative in reaching your goals and I think that’s what really helped me so much in my life both professionally and personally. Just not being too rigid. Having goals and setting goals, but being flexible with them and knowing that it might not quite look like how I think it’s going to look and that’s okay. - Robin Roberts

On finding balance:

At the moment, our society’s notion of success is largely composed of two parts: money and power. But it’s time for a third metric, beyond money and power—one founded on well-being, wisdom, our ability to wonder and to give back. - Arianna Huffington