Mark it on the calendar


12 ways to ensure the best financial, emotional, physical and healthy year yet


By Lindsey Romain CTW Features


Sometimes, tapering the smaller things can lead to a stronger big pic- ture. Honing in on individual facets of healthy living is the sure way to make 2012 the best year yet. Here are 12 easy ways to boost a healthier lifestyle and provide focus for a fresh new year.


I 1


Develop a financial plan In the midst of a national finan-


cial crisis, money woes are no doubt topping the stress list for many people. Going into 2012 with a disor- ganized budget isn’t exactly the best start, for finances or mental health. Ric Edelman, a top-ranked adviser and author of the best-selling book, “The Truth About Money” (Harper Paperbacks, 2010), suggests choos- ing a financial plan for the year and sticking to it.


“The single greatest cause of finan-


cial failure is procrastination,” Edelman says.


Saving enough money to cover at


least six months’ worth of living expenses should be the first step, he says.


Not sure how to get started? Hire a


financial advisor. Edelman suggests looking for a reputable, independent and fee-based professional if help is needed.


2 3 30 Health Connections


Pay yourself A good trick for sticking to a


budget is writing a check … to your- self.


“Instead of writing checks each


month to pay all of your bills until there’s nothing left to save, write the first check to yourself before you’re out of money,” Edelman says.


Don’t let the past get you down


The perfect motto for a new year, new you: Let go and move on.


January/February 2012


t’s all about the little things. A new year doesn’t have to mean remaking every aspect of life.


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