Tick Tock Day

As millions of Americans prepare to ring in a brand New Year, time is running out for those end-of-year projects, goals and unfulfilled dreams. Dec. 29 is Tick Tock Day. This annual holiday, created by the fine folks at Wellcat.com, serves as a gentle reminder the clock is ticking and the stroke of midnight on Jan. 1 is only a few hours away.

While some may have quite a few things left to do on this year’s to-do list, it’s time to start thinking about new resolutions, aspirations and goals for the New Year. Whether it’s losing weight, saving money and reducing debt, going to the gym more or embracing a healthier lifestyle, resolutions are often broken. Unrealistic goals are not, well, realistic.

New Year’s resolutions should be specific. Blanket statements may be too overwhelming. Instead of saying “I’m going to lose weight,” decide how much weight you are going to lose. Keep a journal, set specific target dates and weigh yourself frequently. Walk more. Instead of taking the elevator, take the stairs. Why not park a little farther away from the office or the store? Take Fido for a walk three times a day compared to two. Splurge and purchase a new-fangled activity tracker so you can track your steps.

When it comes to saving money, reduce some of those unnecessary expenses. Instead of forking out the bucks for lunch, pack a sack and BYOB (bring your own beverage). You’ll be surprised how much you’ll save. What about those extra “perks” you’re paying for? Do you really need 3,000 television channels or all those extra minutes with your cell phone carrier? Take a good, long look at your expenses – you may be surprised how much you can save by cutting out a few things you don’t even use.

When it comes to resolutions, K.I.S.S. - keep it simple and specific.