New Year’s Resolutions
Welcome to 2012!
As another year begins, it's time for the annual tradition of New Year's resolutions.
The practice of making resolutions on the first day of the year is a time honored, ancient practice. Some say the history of the New Year's resolutions begins with the Babylonians, nearly four thousand years ago. One common resolution for the Babylonians focused on returning things that were borrowed from friends and neighbors: it was an act of good will that led to self-improvement through acts of kindness, honesty, and ethical behaviors.
Today, resolutions come in all shapes and sizes. Some of the most popular goals include resolutions to:
- Improve health
- Improve finances
- Improve career
- Improve education
- Improve self
Here at Middleburg Bank, we can't do much to help with your health, career, education or self-improvement, but we can do a lot to help you improve your finances. For example, we can help you:
- Manage your day-to-day spending with free or interest-bearing checking accounts, online money management tools and mobile and text banking;
- Build a long-term savings plan with savings accounts, CDs, Round Up Savings, Club Accounts and more;
- Expand your business and improve cash flow with commercial loans and sophisticated cash management solutions:
- Buy or refinance your home while mortgage rates are at historic lows;
- Manage your investments with a disciplined portfolio designed for your long-term goals;
- Create an estate plan to ensure your assets go to those who matter most to you.
Whatever your New Year's resolution, the experts suggest three steps that can increase the likelihood of achieving your goals:
Step 1: Set a Goal
Whether or not you keep your resolution all depends on what your resolution is. You don't need to aim low, but the rules of time, space and physical reality should come into play. Don't expect to scale Everest by May if you haven't been off the couch in a decade.
Step 2: Make a Plan
Now that you've got your New Year's resolution all picked out, it's time to make a plan. Having a detailed road map is the key to making a resolution stick past the first week of January.
Step 3: Write It Down
Writing down your resolution and plan of attack is a powerful motivator. The act of writing prevents you from leaving your resolution too vague and forces you to commit to your resolution by externalizing it. You're essentially creating a contract with yourself.
Setting and achieving New Year's resolutions can be challenging, but rewarding. If your 2012 New Year's resolutions include improving your finances, please call, click or stop by. We are here to help.
As always, if you have a suggestion that would make your banking experience with Middleburg Bank even better, please send me an email at email@example.com.
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