There are probably loads things you’ve been meaning to do for a long time. I don’t want to sound too morbid, so I’ll put it lightly: you don’t have all the time in the world!
Here are some of the things I’m willing to bet many of you reading this have been putting off!
It seems that saving money is easier said than done. Pretty much everyone who isn’t saving money says they need to save money. So why aren’t they? People tend to start saving only when they’re really struggling with finances or when they feel like they’ve hit a real sweet spot. A financial healthcheck can be useful, but you should be saving if you’re not in dire straits! People who are getting by pretty comfortably tend to just spend frivolously on nights out, dinners, movies, that kind of thing. They end up spending all their money just in time for the next paycheck, so everything seems fine.
It can be hard to start saving when it’s just saving for the sake of saving. Don’t wait until you’ve got some clear item in mind to buy. Start a new bank account and start putting in at least 30% of the disposable income you have every month. If possible, you should put in more. Your future self will be extremely grateful.
Remember I wrote earlier that you don’t have all the time in the world? Well, picking this option may give you more of that said time. Ask a smoker and the chances are they’ll tell you that they want to quit. And that’s the key word, there. Want. If you want to quit smoking, why haven’t you done it yet?
When you say you want to quit smoking, what you usually mean is “I wish I wanted to quit smoking more than I wanted to smoke”. You’re aware of all the health effects already. Quitting is tough, but you’ll feel so much better once you’re free.
Writing a will
Yeah, I know I said I didn’t want to get too morbid earlier. But this was an inevitability. We can’t avoid death forever, as much as we try! And it’s not just death itself we want to avoid. Even talking about it is something many of us can’t stand.
A loss in the family can create long-lasting legal problems that only make the loss sting all the more. Have a good, long think about your assets and where you want them to be when you’re gone. Sit down with a will lawyer as soon as you can and work something out.
Look for a new job
A lot of people complain about their job and assume they’ll move onto another one soon enough. Sadly, most people don’t do anything about their career until their hand is forced by job loss. You may not know what you want to do just yet, but this shouldn’t stop you from looking. Dedicate at least a half hour a week browsing job opportunities, or even working on a project that can become a job in the future. Have a look at the salary and the required skills. This will help you get into focus.