It’s safe to say that most people want to feel in control of their life. Because when your home is messy, you haven’t had time for a workout all week, you haven’t socialised with anyone but colleagues, and you don’t even want to look at your bank balance, it can feel like life is spinning out of control. You don’t need to feel like this. It is very easy to get your life in order with just a few small changes.
How to Get Your Health In Order
Let’s start with your health because that is the lynchpin, and when your health isn’t in order, everything else can fall apart. We’re not going to tell you to train for marathons or start weightlifting and eat nothing but chicken and broccoli for the rest of your life. Let’s be honest, pizza and ice cream and cake are great, and if any of those things are put in front of us, we’re probably going to eat them. Instead, focus on eating more fresh fruits and vegetables and drinking more water. Try to make desserts and snack food a conscious choice rather than reaching for them when you’re a little bit peckish.
When it comes to exercise, the best exercise regime is something you can sustain. Choose a type of exercise you enjoy and is within your physical capabilities. A 30-minute walk every day is better than jogging once every few weeks when you can be bothered. It is also important to fit exercise into your routine where you will consistently do it. Most people choose to exercise in the morning because it’s out of the way before they start their day, and it can’t be pushed aside for after-work drinks or if you get caught in traffic. There are certain types of exercise that may help your physical health as you age. For example, yoga is beneficial for joint flexibility and posture, and weightlifting is great for preventing osteoporosis. If you plan to introduce new types of exercise like these, then start small. Pick something that is suitable for your fitness level and experience with that type of exercise. You might want to start for 10 minutes and work your way up.
Regular visits to your GP and dentist are a must to stay healthy and catch any concerns quickly. Book in to see your GP every 6 months or at least every year to get checked out and see if there is anything you can improve upon. Advise them of any diseases like heart attacks, strokes, diabetes, etc., that may be in your family history and may increase your risks. You should also aim to see your dentist at least every year, even if your teeth feel fine. Book in to get your teeth cleaned and ask your dentist to let you know if there is anything that you may need to get checked out. Catching something quickly can prevent costly dentist bills in the future.
There are a few things you can do to improve your outlook on life. Generally, it boils down to bringing more positivity to your life. Hang out with people you like seeing, do things that you love, and try new things. You can also use techniques like meditation and mindfulness to keep you in the moment and dissolve away some of the day-to-day stress.
But the most important way to look after your mental health is to book appointments with counsellors or therapists if you need them. While most people realise the positive benefits of looking after their mental health, some people are reluctant to seek therapy, thinking that only crazy people seek therapy or only people who are too weak to deal with their emotions. This is not the case at all. Therapists and counsellors can help in many ways. They can be a safe space to talk about things, and they can help you look at situations from different perspectives and come up with coping techniques. Many people see a therapist regularly, even when they have good mental health.
How to Get Your Social Life In Order
Social lives are one of those things that tend to be all or nothing. Everyone has had those weeks where every waking moment (and even some where we should definitely be asleep) are packed with seeing friends and having a great time. After a week of being out and spending way too much money, we shut ourselves away for a week to recover from all those people. And don’t even get us started on the dreaded wedding season.
Your social life should enhance your life, and you should never feel like you are dreading seeing your friends. There is an old saying that everyone has heard to death “You are the average of the people you surround yourself with.” Many people take it to think that if you hang out with more successful people, you will become more successful. Which, kind of, both they’re missing the point. What it means is that the people we surround ourselves with have the ability to affect us more than we know. If you hang around with people who are really negative and complain about other people and their lives and fail to take accountability, you will start to be like that too.
So, surround yourself with people you admire and want to be more like. Surround yourself with people who are positive, and you enjoy hanging out with. Also, surround yourself with people with who you share hobbies so you can hang out while camping or kayaking instead of always being down the pub.
Your time is precious, and you should spend it with people you like and doing things you like. You don’t have to see that co-worker you don’t really like outside of work, and you don’t have to still be in contact with your friends from high school if you feel like you have outgrown them. It is okay to let some friendships fade into the background if they do not serve you anymore.
How to Get Your Finances In Order
We don’t know who needs to hear this, but you cannot be running out of money in the last week before payday every month. You are an adult now, and you need to take responsibility for your finances.
Start off by making a budget. You need to know how much money is coming in every month and also where your money is going every month. Start with the following categories:
- Income – List money from your job, side hustle, benefits, and investments
- Savings – Are you saving any money? Write down how much you are saving on a regular basis.
- Fixed Expenses – These are expenses that do not change every month and may come out automatically e.g. Rent, utilities, phone contract, subscriptions, car payments, etc. Go through a few months of bank statements to find any subscriptions you may have forgotten about.
- Necessary Expenses – These are expenses that can vary but are necessary, like food, other bills, transport cards, etc.
- Extra Expenses – This is everything else. Write down concert tickets you bought, holidays, that kebab after a night out, whatever else you spent. You need to know your spending habits.
From there, you can start tweaking the numbers to work out where you want to cut down spending and where you may want to increase spending. Start by cancelling any subscription services you don’t use anymore or that you don’t use often enough to justify. Then look at extras like how much you end up spending on a night out or how often you end up ordering take away.
You should also ensure all your financial documents and accounts are organised and together. You can use a service like our MyHalo digital vault to organise all your account details in one place. It will help you easily find the information for your pension account without having to dig through cupboards and draws and generally upend your entire house. In addition, you will have access to helpful articles to help you take charge of your finances and reports that can give you a quick snapshot glance into your finances.
One of the easiest ways to take charge of your finances is to have multiple accounts. This way, you can allocate each account to different things and set up automatic transfers to help you reach your savings goals. You will have your main account where you receive your income, and most of your spending happens, and then you could have some of the following extra accounts:
- Emergency fund – Money specifically for emergencies like your car breaking down or needing to buy a plane ticket to visit a dying relative.
- Short-term savings – Money put aside for things you may need in the next 12 months like birthdays, Christmas, concert tickets, new clothes, etc.
- Long-term savings – Savings for your goals like saving a deposit or saving for a big holiday.
You may also have an account or two for specific purposes like a holiday fund, a car fund, or even an investment fund.
How to Get Your Future In Order
Getting your future in order is not something that many people under the age of 50 think about. We all think we have plenty of time to do it and let’s face it; it isn’t really how we want to spend our weekends.
But, getting your future in order is something you should do sooner rather than later, especially if you are married and/or have children. It does not take as long as you think and you will feel relieved once you have done so. The MyHalo vault makes it really easy. You can access expert opinions and product comparisons at the touch of a button and can store completed information in one place. A trusted person will be able to gain access after your death in order to handle your estate.
No matter what age you are, you need to have the following things in order:
- Retirement plans – Check if your retirement plan is right for your circumstances instead of just taking the one your employer picks. Max out your employer-matched contributions and consider adding a little more if you have the means. Retirement contributions are before tax, so it is a very tax-efficient way to look out for your future.
- Life insurance – Life insurance does not have to be expensive, it is possible to get a policy for under £20 a month, and the earlier you start, the cheaper it will be. Life insurance will provide a lump-sum payout to a beneficiary upon your death. This lump sum payment can help pay off a mortgage or provide a stay at home parent with a year or more buffer in order to re-enter the workforce.
- A will – Dying without a will can create a nightmare for your loved ones. Your next of kin will have to wait for courts to look at your estate, and there is more scope for your estate to be challenged. There are many cautionary tales where estranged children have inherited an estate or separated but not divorced spouses.
- Funeral plans – At the very least, you should record your wishes for your funeral. But you can pay for and organise your funeral in advance now. That will take so much stress from your grieving family.
How to Get Your House In Order
Everyone has different standards of cleanliness, so we will not tell you that your home needs to be showroom spotless, but we give you some small tips to help you keep your space tidy in between cleans.
One of the easiest ways to keep your home tidy is to organise your space to make it easier to keep tidy. It could be something as simple as keeping a sponge or a pack of anti-bacterial wipes by the bathroom sink so you can do a quick spot clean and keep your bathroom looking fresh for longer. It could be moving commonly used items to a new place, so you are more likely to put it away after use than leaving it out. Here are some other tips to make your environment work for you:
- Bleach blocks in your cistern to keep your toilet clean and combat odours
- A shoe rack by the door to prevent outside dirt from being walked into your home
- A laundry basket in your room rather than by the washing machine, so you put clothes straight into there instead of on the floor
- A small bin in every room so you can throw things out right away instead of leaving them out
Another thing you can do to keep your space cleaner or tidier is implementing 10 minute cleans towards the end of your day. Set a timer and clean until the alarm goes off. Different people will take different approaches to this. Some people will tackle the same problem areas every day; others will make a list of things to tackle for every day of the week, some people just do whatever they see needs to be done. You can pick any one of these or a combination of the three. A great thing would be to have a few things you clean every day that help your house stay tidy, like wiping kitchen benches and sweeping the kitchen floor and then spending the rest of the time putting things away and cleaning anything that looks dirty. Spending 10 minutes each day cleaning can help make it seem like a less overwhelming task and may even stretch the time between cleans.