We're sliding fast into 2020, take the rest of the year by its horn and live to the max. Take a cue from these four must-do things before bidding 2019 farewell.
Gee, where did the year go? Already, we're sliding fast into 2020. Shivers. Ok, straighten up, take the rest of the year by its horn and live to the max. Take a cue from these four must-do things before bidding 2019 farewell.
Love may make the world go round but without money, that carousel you're riding on will soon screech to a halt. So be sure you have a financial plan now, with specific goals, to take you through 2020 comfortably.
For example, decide how much you want to save each month, perhaps 10% of your gross income. First, deduct all your fixed expenses (e.g. monthly car repayment, rental or contribution to your parents, gym membership, etc.) from your net income (take-home pay). Next, budget for food, petrol or transport cost, the occasional entertainment and clothes.
How much is left? Is it 10% of your gross income? If not, either reduce your savings target or see if you can cut down on food, entertainment and clothes. Whatever you do, know where your money is going to and watch your spending closely to avoid getting into the whirlpool of debt.
Have a credit card? Be extremely cautious about using it. Make sure you control it and not let it control you. And stick to your savings target.
Ok, the truth is, most young people go to the gym not to get fit and healthy but to get a hot body. All the huffing and puffing on the machines, and protein shakes and supplements that promise faster results are aimed at nailing that enviable physique that will have their peers drooling.
But it's fine. As long as they're working out, their hearts are stronger, stamina better, blood sugar more controlled and overall, they have better health. Yay!
So whether you're a gym rat or play badminton, swim, run, walk, climb… make it your goal to stay active in 2020. If you're a couch potato or an office chair bummer, jump up and start your physical fitness plan NOW!