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Ready To Make A New Year's Resolution That Sticks?

The end-of-year countdown is on, and with that, comes New Year’s Resolutions. At My Home Pathway, our resolutions for 2021 are all about taking control of our financial futures, and helping you do the same. But even though nearly half of Americans set resolutions each year, only about 8% of people follow through with them. And financial resolutions aren’t easy to keep, because they’re not always easy to see. At least, until now. With the My Home Pathway app, we take you step by step through your goals, so you can see and track your progress along the way. Whether your New Year’s Resolution is to buy a home this year, or just get a handle on your finances, we’re sharing our top three things to focus on to make 2021 the year you achieve your financial goals.

1. Make your resolution SMART

If you’re a fan of goal-setting, you might have heard that the most successful goals are SMART - Specific, Measurable, Attainable, Relevant and Time-bound.

For example, setting a resolution like, “I’m going to be better about spending money this year,” doesn’t provide any real guidance on how you’re going to improve. It doesn’t give you anything to aim for and so it’s no wonder you’re never hitting your target.

Instead, you should get specific with how you’re going to be better about spending your money. For example, you can set a goal for yourself of saving and depositing $50 into your bank account every week. Now you have a very specific objective to work towards and by following through you’ll quickly see that in a month’s time your bank account will grow by $200 and $2,400 by the end of the year. Since you have a way of tracking your progress, it’s much more likely that you’ll be motivated to remind yourself of your goal and much less likely that you’ll give up.

With the My Home Pathway app, you get specific recommendations on everything from budgeting to improving your credit, so you can easily set goals and track them as you go.

2. Keep Yourself Accountable

This can quite possibly be the single biggest reason why so many resolutions fail. When people decide to make a resolution, most of the time they only make that promise to themselves. So if they ever hit a road bump or otherwise fail, there aren’t any real repercussions to simply giving up.

Like any other human endeavor, it’s much easier to achieve your goals if you have a social support system. With My Home Pathway, we analyze your financial situation and make suggestions and recommendations for you to achieve your goals. But it doesn’t end there. We’re here to guide you along the way, structuring a new system of financial accountability that will help you stick to your milestones and ultimately achieve your goal - whether that’s home ownership this year, or first paying down student debt to get you on the path to owning a home.

3. Just Keep Going

No one is perfect. At My Home Pathway, we’re in this together. We’re committed to helping you improve your financial literacy and getting you across the finish line - but we know that doesn’t come easy. The mortgage loan process can be complex - and it may take work to get there. But we believe that everyone can own a home - so we’re here to help you on your journey, keep your eyes on the prize, and just keep going. There are significant financial and personal rewards to ownership and building wealth for yourself and your family. There are short term and long term benefits to improving your financial literacy and behaviors, we are here to keep you going. We are part of your community to help you grow and achieve your financial goals.


Thanks for sticking with us until the end of this article. If you found this post helpful please like, comment and share with friends and family who you think may also benefit from this information. We're constantly pushing out new content regarding ways consumers can build their credit and wealth while optimizing their path to homeownership. So like always, stay tuned for future updates!

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