With careful planning and hard work, you can make 2020 the year your resolutions stick. Happy New Year from all of us here at APGFCU!

Make it SMART

Specific. Instead of “Get into shape,” make goals like “Start working out twice a week.” By being specific, your resolutions are clearer and easier to put into action.

Measurable. Make sure your goals have clear markers to help you track progress and stay the course.

Achievable. Be realistic about what you intend to accomplish. When you set goals that are within your reach, you’re less likely to abandon them when the going gets tough.

Relevant. It’s best to concentrate on the areas where you most need to improve. While other goals may sound nobler, work first on the areas where you know you are lacking.

Time-based. Set a specific date for achieving each goal. A self-imposed deadline will push you to work on your resolution today.

Write it down. Save your resolutions on your phone, using a note-taking app, or if you prefer to work with old-fashioned paper and pen, hang it up in a prominent place where it won’t get lost.

Chart your progress. Use a calendar to check off every day you’ve stuck to your resolutions. Visual reminders of your success can be a powerful motivator.

Don’t keep your resolutions to yourself. One of the best ways to ensure success is to share your journey with others. Here are three ways you can do this:

  • Enlist the help of a friend
  • Post your progress on social media
  • Join a support group

If improving your financial health is one of your 2020 resolutions, APGFCU can help. Contact our Financial Education Department for one-on-one counseling or attend one of our free seminars.