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5 smart New Year resolutions to look out for

Do something that makes you happy, take up a new hobby, travel somewhere you’ve never been before — all these will help you refocus and realign your goals and priorities.

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2018 resolution
New Year resolutions which we can try and make our lives better
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More than half of December is gone, and this is a good time to not just make a to-do list for 2018 but also stick to it and complete it. Here are five smart resolutions to make for the coming year — compiled by Patanjali Somayaji, Co-Founder of the Walnut App.

1. Save more, spend less (and pay bills on time)
A no-brainer really, but easy to say and tough to do. Check your past spends and work out how much you want to save each month. Allocate part of your income automatically so you’re not tempted to use the money elsewhere. This could be in an auto-sweep fixed deposit, a SIP in a mutual fund or a transfer to another bank account. Use a money management app to track your spends, create a budget and get reminders to make your bill payments on time.

2. Clear high-interest debt
Do you have several credit cards that are maxed out to the available credit limit, and are you paying only the minimum due each month? If so, you are headed for financial disaster. If you have multiple credit cards, give them up and keep a maximum of two, with the highest credit limit. Avoid any fresh spends on your cards till dues are cleared. List all your debts, from highest to lowest, and clear them in that order.

3. Health is wealth — ensure it
Being healthy and fit is the best gift for yourself and your family and dependents. Cut down on wasteful spending and eating/drinking, make actual use of that gym membership, get a complete health check-up done and make it a yearly habit.

Set aside money each month for an emergency fund worth 6-8 months of living expenses to see you and family through any medical emergency. Regardless of whether you are single or have a family, get a life and health insurance policy so that you/your next of kin don’t suffer financially if something happens to you.

2018 resolution
Every New Year brings a lot of hope and excitement to be unleashed

4. Documentation and nomination
Sounds boring, but it is a good idea to ensure your spouse/family is aware of your finances — not just investments and insurance, but also debts. Likewise, while opening a bank/demat/mutual fund account, not many pay attention to adding a nominee — or in case of a life insurance policy, updating beneficiary from parents to the spouse. Documentation can be further split into financial/debt, health/life and legal (if applicable). Ensure it is easily accessible to next of kin in case something happens to you, so they are spared the running around and unnecessary paperwork.

5. Remember to have fun!
Working 9 to 6 daily, five (or six) days a week can take a toll on your health and personal life. Make a conscious effort to set aside time for your family and friends. Plan mini-breaks every quarter and a full-fledged vacation once a year.

Do something that makes you happy, take up a new hobby, travel somewhere you’ve never been before — all these will help you refocus and realign your goals and priorities. IANS

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Fashion Trends That Rule 2018

Shreyasi Pathak, Stylist, Vajor and Sonal Sahrawat, Creative Director, Sonal's Bijoux & Adawna list some trends that rule in 2018

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Ranging from culottes to palazzos to denims, a pair of wide-leg trousers is just what you need to give your wardrobe a refreshing twist. Pixabay

Create new trends in 2018 with unique styles and smart experimentation. From pastel hues to wide leg bottoms and cocktail rings, make a style statement with your individuality intact.

Shreyasi Pathak, Stylist, Vajor and Sonal Sahrawat, Creative Director, Sonal’s Bijoux & Adawna list some trends that rule in 2018.

* Pastel hues: Pastel hues are all you need this season! They are perfect for transitional outfits, and can easily work with any look. Whether you want to opt for relaxed culottes, a breezy dress or a chic top, pastels are going to rule your wardrobe this year!

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Representational image. Pixabay

* Wide leg bottoms: Wide leg bottoms are everyone’s favourite… Ranging from culottes to palazzos to denims, a pair of wide-leg trousers is just what you need to give your wardrobe a refreshing twist. A trend that will never cease to go out of trend, make sure you grab your pick to keep your look effortless and chic.

* Ear studs: Earrings are a must-have for women. You may not wear a bracelet or a necklace, but earrings are the most representative jewellery piece of femininity. The most and all time favourite is stud earrings. A trendy pair of oversized ear studs can turn your otherwise boring outfit into an ultra-chic look.

Also Read: Experts Suggest Trending Footwear Fashion For Men and Women

* Cocktail rings: Cocktail rings have been in trend since quite a long time, it’s one of those most dainty and fabulous ornaments that a woman can wear. If chosen wisely this jewellery piece can truly accentuate the overall outfit look. They can be teamed up with both western and ethnic looks. (Bollywood Country)

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