Make a financial planning - Time to start afresh

TIME FOR RESOLUTION
What better time than the new year could be to plan a new beginning !its an ideal time to focus on personal growth .Reassess your life --ask what is good and what is making you sad or unhappy and what are the changes you need to make ?Making a lots of positive changes at once could be overwhelming ,so here are few suggestions to help you start out smart and build a momentum .

Cut on clutters or unwanted things
Start with small things and just devote 15 minutes a day .clearing out just one drawer or Corner will be enough this way you can keep away from cluttering unwanted stuff in the house ,If you keep things for sentimental reasons ,find an old suitcase and tuck them there think twice while storing if you feel you can discard it then let it go .

Make a financial planning
The first step would be to clear all credit card debts if you have more than one card .pick one that benefits you most and discard the rest rather than keep paying annual fees for all .Reassess you health insurance see that you are not the defaulter else you have to pay heavy price for it .check if your investment portfolio needs revision if required talk to a financial advisor.make a list of your important issues and balance your expected income to your yearly expenses.start saving for hard times make it a monthly plan so that if won't dis balance your expenditure vs income .

Check on your diet
as junk food and freeze drinks are fascination amongst us .let cut on them for our health sake lets explore the disadvantages and awake our senses against it ,eat more fruits and salad to keep health and have plenty of water ,which we usually avoid so the best thing is keep the water aside in a bottle the amount you need to drink to discard toxins from our body and check that before you sleep you need to finish that water .

Bring changes in your children's routine:
Cut short on children's watching hours at television ,encourage them with some physical activity such as playing and swimming set their time to study and see that at that time nothing else is done except that .put alarms for the purpose ,so that the child grows the habit of study at proper hours ,get them to bed at 8 pm or 9 pm maximum wake them early and encourage them learning in the morning and also do walking gardening and other stuff .

Revitalize your relationship :
ask your partner a question that you think you do not know the answer to.For example :When is it when you feel most loved by me .the response might be ,when you discuss your problems with me and also when you do things for me or when we carry out our responsibilities together ,its always pleasant to be wonderful couples and those are the one that make ideal parents.

Learn to wake up early :tell your self that you want to wake early as its good for your health and see the things change for you you will have plenty of time in your hand plan your work and you will feel relaxed

Give away used and unwanted toys to orphanage:make your children give away the toys which they do not use to the orphan house take them with you and make them give the toys and also the old clothes which they are not going to wear anymore .this will grow good human being in them and they will learn the art of sharing too .