Zero-Dollar Goals You Can Easily Start Achieving As Early As The 1st

By | Thursday, December 31, 2020

Nearly 50% of people admitted to giving up on their resolutions in the first month…

— here’s how to avoid that.

As the saying goes, “Practice makes perfect,” and in my personal experience, this also applies to the trial-and-error process that comes with keeping our New Year’s resolution(s).

The moment I started looking at resolutions as “reseverations,” for a better version of myself, it was easier to get excited, earlier, for making these changes in my life. I actually wanted to get ahead of implementing them, rather than wait and hope that I’d somehow magically wake up on January 1st with more willpower to make changes in my life, that simply didn’t exist 24 hours prior. A recent study showed that, out of 4,000 people, 43% admitted to giving up on their resolutions in the first month.

According to the European Journal of Social Psychology, there are a couple of reasons why resolutions set us up for disappointment. First, we underestimate how long it takes to kick a bad habit, as well as adopt a good one. Most say it takes 21 days. However, studies indicate that on average, it takes approximately 66 days before a new habit actually becomes automatic. This means if you start trying to be a “New You,” on “New Year’s Day,” it’ll actually take until Spring to change.

With that said, let’s try to get ahead of ourselves (in a good way, this time.) Check out my zero-cost “do’s” list below:


DO: Get started on some of your easier resolutions right away, instead of stalling on them

If anything, the highs, lows and woes of 2020 is all the more reason to anticipate getting the heck out of dodge, and get excited for 2021. What’s considered “easy” for some, may not be considered easy for others, so I can’t tell you which resolution on your list is easiest to take on first. However, I will say that you should make a list, in order of easiest to most difficult, as a means of determining and prioritizin which goal that is for you!

DO: If you have a fitness goal, either A. activate a new gym membership today or B. create an at-home workout playlist of videos on Youtube, for you to follow.

Now, just an FYI, yes – new gym memberships are often “First month free,” or first “X” amount of times free, if you’ve never been before. Hence, why I suggest signing up now, getting yourself into the groove of working out, and being motivated enough to want to even continue paying, moving forward. How many of us waste money on the gym, and end up having a recurring charge on our card for a place we never go? While I can’t make the gym entirely free for you, I can make it worth paying for, after a free trial. If you take the gym seriously in that first month, it’ll be worth the charges thereafter, and many gyms are pretty low in cost at the moment, and have pandemic-related promotional rates.

Now, if we are still being super careful about social-distancing (and should be), I’d highly recommend creating a playlist of Youtube videos, that specialize in “at-home-workouts.” Same goes for saving and creating a folder of IG videos and posts that show us at-home workout routines. These are obviously super free. If Youtube commercials bother you that much, guess what? You can always subscribe to Youtube Red (commercial free), with the first month being at-no cost to you.

DO: Use January as a means of practicing your budgeting habits, in order to recover from any holiday splurges

What better discipline on money and spending than practicing what and when to buy (or not to buy), than the holidays? While many people opted out of aggressive spending, and instead opted for zero-cost alternatives, many people still found a way to spend more money this month, than most of 2020.

If that was the case with you, I fully encourage practicing the art of what not to buy, in January. If you can master saving now, you’ll be great by the next holiday (Valentine’s Day, anyone?)

In the event that you managed to save some money over the holidays, check out all the fruitful things you can do, with the money you saved from not buying gifts this year.

DO: If you haven’t already, open up a high yield savings account, Roth IRA or any other account to help elevate your finances and money management.

Looking into your options for the aforementioned accounts is not only free, it feels productive. These days, so much of what we do is in isolation. Setting up an actual meeting with any type of professional to help elevate your goals — in this case, your bank specialist or accountant— will make you feel super productive and motivated. While this meeting will more than likely be over the phone, depending on your region and pandemic-related lockdown limitations, it’ll still prove fruitful in results. These accounts can be opened for free, with the money you already have in your account. For example, some high-yield savings account require only a minimum of $100 to open, which you may already have on hand. Either way, meeting with a bank specialist or accountant to discuss what is next with your money, is key to financial productivity.

If you already have the above accounts, making a money map and deciding what the next goal is with you money, is important. And super easy. These options (and ideally should) still include meeting with a specialist for free, looking into stock options, creating new “emergency funds,” or simply just elevating your savings and earnings goals.

If you don’t know where to start, check out some tips here!

DO: Practice adjusting your bad, pandemic sleep habits now, so you can have healthy sleep habits by next year.

Don’t sleep on this tip – literally! Many of us have had horrible nighttime sleep habits that have negatively impacted our moods, energy and overall health. Get started on fixing that now! There are some great tips here, that go over everything from being super intentional about separating your work space from your sleep space, to simply changing the everyday habits that contribute to our bad pandemic sleep. If you want to go as far as trying a sleep app, check our our review on one of them here!

I’ve always been a person to focus more on what I can do, than what I can’t do. With that said, while I’ve created a list on what not to do in preparation forthe New Year, I’ve definitely kept it short and straight to the point. After all, the focus is on elaborating on things that help us elevate ourselves, not detailing our “do not’s!”


  • DO NOT, at any point in 2021, compare yourself to any other “peak” point of your life pre-pandemic. For many, 2021 will be a year of recovery from 2020.
  • DO NOT bog yourself down with implementing your bigger goals right away. You risk getting overwhelmed faster and giving up earlier. Slow and steady wins the race!
  • DO NOT pressure yourself to fully integrate your new diet plans on the 1st. Instead, start incorporating healthy eating habits, day by day, with small food swaps.
  • DO NOT forget all the good things you learned in 2020, be it through self-reflection, hard lessons, etc. And implement them into the new year.

Get it? Got it? Good!

In the end, I highly recommend anyone who is even the tiniest bit serious about changing themselves, to get started today. Also, consider January a month of trial and error, and don’t be too hard on yourself, in regards to slip ups. After all, old habits die hard, right? That’s the thing though. We create these expectations for the first that are so high, it’s almost as though we’re setting ourselves to fail, by crumbling to the pressure of our mounted goals. Often times, when we don’t get it right in the beginning, we feel discouraged.

If you feel the are more zero-cost tips tips, missing from the list, please comment and share, below!

(This post was originally published November 2020 and has since been updated)

Image via Pexels

In-Post Social Banners-04

You might also like

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.