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5 Tips to Boost Your Financial Confidence in the New Year

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5 Tips to Boost Your Financial Confidence in the New Year

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If you’re like most Americans, there’s a good chance that one of your New Year’s Resolutions was focused on making better financial decisions, spending less, or saving more. It’s only a few weeks into the New Year, but if you’ve already hit a snag or given up altogether on your New Year’s Resolutions, you’re not alone.

Capital One is on a quest to help people reach their goals and gain financial confidence this year. To help ease some of the financial anxiety that so many are feeling, Capital One’s Money Coaches recently partnered with author, speaker, and researcher James Clear to develop a series of digestible and actionable tips to help people get started on the path to financial confidence.

Repetition can be a form of change.

Building a better financial life doesn’t require radical change. Just take a step you’ve already taken, but do it more frequently. If you’ve saved $100 before, do it again. If you’ve passed on dinner at an expensive restaurant to cook a meal at home, do it again. When you already know that you’re capable of accomplishing a tiny goal, it’s much harder to talk yourself out of it, and you’ll feel rewarded as you start to see all your small steps add up over time.

Don’t lose sight of your long-term goal.

The challenge with long-term goals is that it can be easy to lose focus, especially when there’s temptation to spend money on the things you want in the short-term. If you’re finding it difficult to save towards what you really value, try this: Keep a picture of your long-term goal on your phone (your dream house, a new car, your ideal vacation spot). When you feel the urge to spend on something frivolous, pull out your phone and look at that picture. Regularly reminding yourself of your goal will help you keep it a priority.

You don’t have to make things off limits if you’re mindful of your choices.

Good spending is a product of self-awareness. You’re allowed to treat yourself and buy the things that you want; just make sure you’re considering what the tradeoffs might be, and whether this purchase honors your values and priorities. If frivolous spending is an issue for you, try waiting 24 hours before making the purchase to determine if you really value the item or if it was just an impulse. You might be surprised at how you feel about the item the next day.

Remember that every purchase comes with a tradeoff.

When you say yes to spending on one thing, consider what are you saying no to. Buying an expensive new pair of shoes might feel gratifying in the moment, but by making that purchase are you saying no to something you value more, like paying off credit card debt or putting that money towards your dream vacation? Before giving in to an impulse purchase, stop and ask yourself what you might be giving up, and make sure your spending aligns with your values.

Trust yourself. You’re smart enough. You’re worthy. You can do this.

Paying attention to your money habits and making a few small adjustments is all it takes to get started on your journey towards financial confidence. Remember that making positive changes doesn’t have to be overwhelming if you take it one #TinyTriumph at a time. Go ahead, you’ve got this.

***

From January through March, Capital One is celebrating your Tiny Triumphs by sharing new tips on the @CapitalOneCafe Twitter handle and Capital One Café Facebook page to encourage people to stay motivated and focused on their goals, one tiny step at a time. For more details, stop by your local Capital One Café to speak with an Ambassador or Capital One Money Coach about how to get involved, identify your goals, and join the social community.

Capital One also invites you to join us on Tuesday, March 20th from 6:00-7:00 pm ET for a discussion with Capital One Lead Money Coach Megan Lathrop and micro-habits expert and author James Clear about how anyone can achieve their big financial goals by shifting their mindset and approaching them one small step at a time.

The event will be live streamed via FORA.tv. Q&A will be hosted via the chat functionality on FORA.tv beginning at 6:00pm EST/3:00pm PST. Participants are encouraged to submit their inquiries. Registration to FORA.tv will be required to submit a question.

When: Tuesday, March 20th

TIME: 6:00-7:00pm EST/3:00-4:00pm PST

LOCATION: Capital One Café, 799 Boylston St, Boston, MA 02116

LIVESTREAM LINK: capxtalk.fora.tv

SOCIAL MEDIA: #CapXTalk #TinyTriumphs

For more information, follow @CaptialOneCafe on Twitter or Capital One Café on Facebook.

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How to Meet Your Financial Goals One Tiny Triumph at a Time

iStock

Money is often a major cause of stress in our lives – and something most of us want to improve upon. But where and when—and how—do you start? According to a November 2017 survey from the American Psychological Association, 62 percent of Americans say money is a common stressor, even more so than work, the current political climate, and violence and crime.

With so many Americans feeling financial anxiety, it’s no surprise that when it comes to making New Year’s Resolutions, “Making Better Financial Decisions,” “Saving Money,” or “Spending Less/Saving More” frequently make the top five most popular resolutions.

The New Year is a great time for a fresh start, a new opportunity to learn or do something different, to set goals and strive for more. Let’s be honest, though—how many times have you made a New Year’s Resolution with the very best of intentions, only to find yourself breaking it a few days or weeks later? You’re not alone, and it’s not a question of willpower. It turns out that nearly half (42.4%) of people who make resolutions don’t succeed because they are setting goals that are too big and too broad.

Coaches, Cafés, and Confidence

Capital One® is on a quest to help people improve their relationship with money and gain financial confidence. One of the ways Capital One does this is through Money Coaching. Money Coaches help people take control of their relationship with money by zeroing in on what’s really important, helping them find new perspective and achieve financial confidence. While the Money Coaches are available year-round in Capital One Cafés, they agree that the start of the New Year is a particularly auspicious time to explore the intersection of life and money.

So, in the spirit of kicking off the New Year with actionable and attainable financial goals, the Capital One Money Coaches have partnered with James Clear, a nationally known expert on micro-habits, to help people take their big, overwhelming resolutions and break them down into achievable, bite-sized actions. As an author and researcher, James Clear studies successful people across a wide range of disciplines—entrepreneurs, artists, athletes, and more—uncovering habits and routines that make these people the best at what they do.

Celebrating Tiny Triumphs

From January through March, Capital One will be celebrating your Tiny Triumphs by sharing a series of small, actionable tweaks that people can make to better their relationship with money. The program, developed through the collaboration between James Clear and Capital One’s Money Coaching team, embraces the fact that goals aren’t usually achieved in one fell swoop; they’re achieved by taking a series of actions, and each one is a #TinyTriumph. Whether you’re online or in a Capital One Café, you’ll have the opportunity to interact with and encourage others who are also trying out the empowering tips.

During the first three months of 2018, new tips will be posted on the @CapitalOneCafé Twitter handle and Capital One Café Facebook page. These inspirations and expert tips will encourage people to stay motivated and focused on achieving their money goals, one tiny step at a time. Participants can also stop by their local Capital One Café to speak with an Ambassador or Capital One Money Coach about how to identify their goals, join the social community, celebrate their tiny triumphs or get some take-home guidance. To kick start the New Year, here is a preview of the first tips from Capital One—I encourage you to try these at home!

Saving 99% of your paycheck is 0% exciting. Budget for the things you enjoy, too.

Setbacks happen. Get back in the saddle, and keep your eyes on the prize.

Big dreams happen in bold baby steps. Set achievable goals and celebrate the #TinyTriumphs.

Goals should be for you. Not your friends, family, or feline overlord.

Making a positive life change can be scary, but it doesn’t have to be overwhelming. This New Year, resolve to improve your relationship with money, one #TinyTriumph at a time.

For more information, follow @CapitalOneCafe on Twitter or Capital One Café on Facebook.

*Cafés do not provide the same services as bank branches, but have ATMs and associates who can help you. Visit a café for details. Banking products and services offered by Capital One, N.A., Member FDIC. Food and beverage provided by a third party. ©2017 Capital One.

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