The new year is an opportunity for do-overs, fresh starts, and new beginnings. People often use the new year as motivation to quit a bad habit, lose weight, start a new exercise regimen or gain control of their finances. These popular resolutions have more in common than turning up at the top of the list of resolutions people make every year. They involve changing routines that develop gradually over many years. Changing bad behavior overnight is a tall order, and rarely possible. By Ground Hog’s Day, most resolutions have fallen by the wayside. Why? People tend to be too hard on themselves. You fall off the wagon one time, and decide you have failed and give up your goal completely. But people who stick with it long enough to be successful know that failing is part of the process. Persistence — trying again after every failure — is the key to success. Remember that small changes to your daily routines make a huge difference over the course of a year. Walking 30 minutes a day does not make you thin overnight. Drinking one less soft drink, passing on the doughnuts and the few cents you save by skipping these treats may also seem insignificant, but if you stick with these small changes day after day, you will see the results. Think positive! If you want to fail at making your resolutions stick, focus on what you have to give up. Constantly thinking about what you are losing practically guarantees failure. Banish this negativity from your thoughts. To be successful you need to focus on the prize, the benefit you get from having money for important goals such as paying for a college education, getting out of debt, buying a first home and saving for retirement. Here are a few tips to help you manage your money better in the coming year. Know where your money goes. Find out how much money comes in and exactly where it goes. Carry a pad with you for a month or two. Record every purchase. At the end of the month, separate your spending into no more than a dozen categories such as food, housing and transportation.Target eyebrow-raising surprises for spending cuts. If you have never tracked your spending, you will probably find out you spend a lot more than you thought for something you do every day. If it bothers you that you spend so much for whatever it may be, do something about it. Set realistic and specific goals. A specific goal includes the cost of the goal and the date you plan to reach it, such as planning to save $600 by next December for holiday gifts. The goal is realistic if you can afford to set aside $50 each month. If you cannot, adjust the goal or increase your income.Develop a plan for spending to meet goals. Besides goals, your spending plan needs to include fixed, variable and occasional expenses. Fixed expenses are the same every month. Variable expenses go up or down each month. Occasional expenses are due less often than every month. Some occasional expenses, like birthdays and annual insurance premiums, you know about. Others, like medical bills, arise unexpectedly.Pay yourself first. Saving whatever is left over usually means not saving at all. Instead, put the money you need to save for goals and occasional expenses in your savings account before you spend a penny for anything else. Better yet, arrange for an automatic deposit or payroll deduction into your savings account. When you get a raise at work, sign up for half the raise amount to go into a savings account or a company savings plan. Eliminate debt. Pay attention to how much you pay in monthly finance charges on credit card and other debt. Instead of paying interest each month on your debt, you could be earning it on your savings. Being on the lending side of that transaction is a much better deal than being on the borrowing side. The money going to debt payments each month could be going to your savings. Focus on one expense at a time. When making changes, it is easy to go too far, too fast. Commit to making a few changes at a time to reduce your spending for a particular expense. Stick with the changes until they become second nature. If you miss a day, a few days, or even a week, do not give up.These simple suggestions can help you better manage your money. Some changes pay off more rapidly than others. The sooner you start, the sooner you will see results.
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Presidential candidate Michael Bloomberg is firing back at President Trump for making fun of the former New York City mayor’s height. Bloomberg shot back, “He Donald where I come from we measure your height from your neck up.”Bloomberg spoke out yesterday while campaigning in North Carolina. Earlier in the day, Trump sent a number of tweets attacking Bloomberg. He referred to the billionaire as a “mass of dead energy” and nicknamed him “Mini Mike.”Mini Mike is a 5’4” mass of dead energy who does not want to be on the debate stage with these professional politicians. No boxes please. He hates Crazy Bernie and will, with enough money, possibly stop him. Bernie’s people will go nuts!— Donald J. Trump (@realDonaldTrump) February 13, 2020 Just imagine how a debate would play out between these two candidates. Bloomberg fired back on twitter calling Trump a carnival barking clown and says Trump is scared of [email protected] – we know many of the same people in NY. Behind your back they laugh at you & call you a carnival barking clown. They know you inherited a fortune & squandered it with stupid deals and incompetence. I have the record & the resources to defeat you. And I will. https://t.co/fO4azmZaUg— Mike Bloomberg (@MikeBloomberg) February 13, 2020 Mini Mike Bloomberg is a LOSER who has money but can’t debate and has zero presence, you will see. He reminds me of a tiny version of Jeb “Low Energy” Bush, but Jeb has more political skill and has treated the Black community much better than Mini! https://t.co/qIef5VhjDr— Donald J. Trump (@realDonaldTrump) February 13, 2020
SA Football Association (Safa) president Danny Jordaan promised on Monday a new era for Bafana Bafana that will see a new name, new technical staff and a new technical sponsor.Jordaan said this was not a witchhunt because Bafana lost to Nigeria in the African Nations Championship (Chan) tournament on Sunday, but was part of a process he began when he was elected president late last year.“I am fully aware that the national team needs urgent attention and we are dealing with the situation,” Jordaan said in a statement.“We have a meeting already scheduled in early February where the team name, technical staff and technical sponsorship will be addressed.“Big changes are underway at Safa, not just at the national team level but at grassroots.”He said if the country wanted to build a winning team for the future, efficient structures should be in place from school level. Jordaan said he understood the criticism that Bafana and Safa were receiving about the loss to Nigeria, but said many of the country’s top players had not been allowed to take part in the tournament.“Chan rules restrict the competition to home-based players, and some teams refused to release the players who might have made a difference to the result,” he said.“This is not an excuse, it is the reality of the situation. We could not field our best team because of restrictions.”Jordaan said he had carried out a sweeping review of all Safa management since his appointment.“Things will change, and sooner rather than later. We are going to create a new era where South Africa takes its rightful place as a top African football nation and one that is respected in world football,” he said. “This is the task I have undertaken, and I will not rest until we can hold our heads up in pride.” – Sapa