How to End the Year When You’re Broke, Busy, or Burned out

Let’s focus on closing the year on a positive (and realistic) note.


Photo by NordWood Themes on Unsplash

If you believe the memes on social media, this is the time of year when we’re supposed to: 1) take control of our finances, 2) get rid of the negative people in our lives, and 3) let go of the excuses for why we haven’t done 1 or 2. Last call for completing those 2018 resolutions!

People of the internets, we have 25 days left in December. Even if you’re a remote worker with lots of flexibility, you can’t fix a year’s worth of problems in 25 days. Happily, there is a sane way to tie up the old year even if you’re broke or short on time.

What Went Right?

Most of us have a mental mix tape of all the things that went wrong in 2018. Take a moment to write down the things that went right. You can do this all in one session or during small gaps in your day. Some of those positives might be big-a new job, a new relationship—but don’t overlook the small stuff. Did you start a hobby? Try a sport? You may need to focus on very small things, at first, before you can remember some of the medium-sized positives.

Who Cares?

There are good reasons why you need this list. Many people go through an existential crisis at this time of year. They think of all of the things they didn’t do. They think of all the things that went wrong. Don’t let the negative mix tape erase the positives. If you want to make changes to your life in 2019, you need a balanced assessment of where you are. You may not have lost 40 pounds this year, but maybe you kept a roof over your kid’s head. Go you!

Now What?

Once you know where you are, you can start thinking of where you want to be. Putting your list together in December lets you test drive a few new habits before the resolutions craze in January. This knowledge will keep you from getting sucked into activities that don’t mean much to you. Even more importantly, this is a crazy time of year. If you can size your goal so that it fits into your routine now, then it will probably fit into your life when things calm down next month. Plus, you’ll have a jump on the new year. It’s a win-win.

Author: Teresa

I am an analyst for Kaplan and a business writer. When I'm not analyzing numbers or trying to find the perfect phrase, I manage my obsessions for chai tea, knitting, and running in the woods.

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