New Year’s Resolutions for Seniors in 2018
Have you considered making a few New Year’s resolutions for when the ball drops to signal the start of 2018? If so, you’re not alone. Here are a few to consider adding to your list, as well as methods of accomplishing them.
Improving Financial Health
From eliminating debt to setting aside money to travel, there are a variety of steps you can take to further improve your financial situation.
Eliminating Credit Card Debt
If you’re paying high interest rates on your credit cards, you can save money every month by paying them off. Consider paying extra each month towards the card with the highest interest rate.
Once that is paid off, take the money being spent on that card and apply it to the next card you want to eliminate. By repeating this process, you can save a significant amount of money each month.
Paying Off your Mortgage
If you’re close to paying off the mortgage, consider paying it off completely and saving that money every month. Since you’re not paying nearly as much interest towards the end of the loan, you won’t be benefiting from tax deductions by that point anyways.
Paying the mortgage off completely gives you a strong asset which will benefit you and your family for the rest of your life.
Refinancing Other Debt
If you can’t completely pay off debt, consider refinancing it into a 0% promotional interest rate card. If you can find one with no interest for a year, that’s a full year of saving money, which can be used to pay off the debt faster.
You can also check out 6 powerful ways to maximize retirement savings here!
Improving Physical Health
You can’t change the way you live overnight. However, Frank Rufious, the other of a popular health blog, can easily make a single change every day which will quickly add up. Here are a few small steps to take to help you improve your health in 2018.
Eat More Vegetables
From improving digestion to reducing the risk of heart problems, vegetables are critically important for staying healthy. Consider a small step such as adding a serving of green beans to your evening meal, or adding peppers to your omelette.
Reduce Sugar Intake
There’s no need to forever swear off ice cream or cookies. However, consider reducing the amount of sugar in your coffee, or using an artificial sweetener. Eat a smaller portion of a piece of cake.
Reducing the level of sugar in your diet can help improve not only your physical health, however. Some studies show reduction of sugar intake can also improve your mental health by reducing depression and mood swings.
There’s no need to spend hundreds of dollars on new gym clothes, shoes, and memberships. A simple 20-25 minute walk per day can reduce blood pressure, stress, and improve your heart rate.
Other steps you can add include parking farther from the entrance to the store so you will walk further. Walking in place during television commercials keeps you moving while you relax.
By adding a few extra steps each day, you can take leaps into improving your health over the year.
Improving Mental Health
While your physical health is important, so is the mind. By keeping your mind busy, you can help fight off depression and memory loss, while having fun at the same time.
Play a Video Game
Video games are not just for kids. Consider trying logic puzzle games, matching, or other challenges which make you think. In addition to helping your mind stay active, you can have fun challenging your family members and showing them who is boss.
From yoga to stretching, tai-chi, and Pilates, keeping your joints loose helps not only your physical health but also your mental status. They release hormones which reduce stress and improve overall optimism.
Seek Medical Assistance
If you are battling depression, don’t feel you need to handle it alone. If improving your health is a resolution, consider seeing a mental health professional to tackle mood swings or other mental health problems. Between medical therapies as well as cognitive therapy, you can be feeling better and ready to take on the new year.