Financial Resolutions I’m Probably Not Going to Keep (But Will Try Anyway)

Happy almost New Year, dear readers! With 2024 peeking around the corner, it’s that magical time to set new financial goals. Now, let’s be real – some of these resolutions might be more wishful thinking than realistic planning. But hey, it’s the thought that counts, right? So here are my financial resolutions for 2024 that I’m probably (read: definitely) not going to keep, but will give a good old college try!

1. I’ll Finally Stick to My Budget… Strictly!

Every year, I create this beautiful, color-coded budget that would make a personal finance guru weep with joy. And every year, I follow it… for about a week. This year, though, I’m determined (sort of) to stick to it. Sure, unexpected expenses like emergency latte cravings and flash sales at my favorite store always pop up, but this is the year of financial discipline! (Maybe.)

2. No More Impulse Buys (Except on Tuesdays… And Fridays…)

Impulse buying? I don’t know her. Well, I do. Very well. This year, I vow to cut down on those spontaneous purchases that somehow always find their way into my shopping cart. But let’s be honest, some days just call for a little retail therapy. So, maybe I’ll limit impulse buys to just twice a week. That’s progress, right?

3. Save Half My Income (or Maybe Just 10%… Or 5%…)

I’ve read all the articles. The financially savvy folks recommend saving at least 50% of your income. Easy! Except for rent, bills, groceries, and my small addiction to buying books I never read. But this year, I’m aiming high! Or at least medium-ish. A solid 5% savings is practically the same thing, right?

4. No More Eating Out (Unless I’m Hungry)

Cooking at home is the key to saving big bucks. I totally get that. This year, I’m swearing off restaurants and takeout. Well, except for those nights when I’m too tired, the fridge is empty, or I just really want sushi. But other than that, I’m all about that home-cooked meal life!

5. Cutting All Unnecessary Subscriptions (But Netflix is Necessary, Right?)

I’ll go through my bank statements and cut out all those subscriptions I don’t use. I mean, who needs three different music streaming services? But, let’s be clear, Netflix is a basic life necessity, and so is my monthly subscription to the Cheese of the Month club. Those stay.

Conclusion

So, there you have it – my somewhat optimistic, potentially unrealistic financial resolutions for 2024. Will I stick to them? History says no, but hope springs eternal! Let’s raise our glasses (of budget-friendly, homemade lemonade) to trying our best and being kind to ourselves when we inevitably buy that extra latte on a Monday morning.

Here’s to a financially ‘trying-my-best’ 2024.