In order to holistically enjoy what life has to offer, you need to have the ideal balance of physical, mental and financial health. As we stand at the outset of another new year, here are some tips to enjoy 2022 in a wholesome manner.

Prioritize Physical Health

The last couple of years have shown the true meaning of the adage - Health is Wealth. To be able to accomplish anything in life, you need to be physically fit.

Here are a few things you can practice in 2022 to improve your quality of life and protect your health.

1. Make a Fitness Plan: This should include fixed meal times, reminders to drink adequate water during the day, etc. If you are not into exercise, you can start slow by incorporating some physical activity during the day like taking a walk, taking the stairs, doing chores at home, moving around every hour if at a desk job etc. You can use the benefits of technology by setting reminders on your smartphone or investing in a fitness band.

2. Eat Right: When considering health and weight loss-related goals make sure they are realistic and sustainable. You can start by following simple steps like eating home-cooked food, eating small meals, planning your meals in advance and adding a few portions of fruits and vegetable nuts to your diet. It is advisable to avoid diet fads that would give only temporary results. Reconsider your food choices and prefer to include the optimal amount of vitamins, minerals and other nutrients in your diet.

3. Buy Health Insurance: If you do not have it already, then invest in getting health insurance for you and your family, at the earliest. Buying a health insurance policy for yourself and your family is important because medical care is expensive, especially in the private sector. Hospitalisation can burn a hole in your pocket and derail your finances. This can be avoided by just paying a small annual premium which would lessen your stress in case of medical emergencies

 

Don’t Ignore Mental Health

One cannot truly be considered fit, overall, without having a balanced emotional and behavioral state of mind. This year, put more focus on maintaining your mental well-being as well.

1. Mediate: One of your new year's resolutions should be to spend a few minutes each day to meditate and destress. Doing this daily is known to help maintain focus on the regular daily tasks, avoid work or life-related anxieties, and improve focus on priorities in life. While some suggest starting your day with meditation to have a revitalized mind and body for the day ahead, others recommend doing it before going to bed to have an ideal sleep routine. There is no right time, but doing it regularly is important.

2. Make Time For Hobbies: Hobbies frequently end up going on our personal back burner in order to focus on the daily routine. This new year, let us make an effort to free up time to engage in things that give us joy. Picking up a hobby is both refreshing for the mind and significantly improves one’s overall productivity.

 

Be Financially Prudent

A great way to reduce your anxiety is by having your finances in order. If you wish to lead a stress-free lifestyle, spending time and attention on maintaining healthy finances is equally important.

1. Set a Realistic Budget: Forming a budget is an important financial habit to make because you should always know how much money is coming in and going out of your accounts each month.

2. Consolidate your Debts and Loans: Aim to pay off as much of your debt and outstanding dues, as possible, to have minimal financial obligations. Commit to paying off any credit card bills or outstanding loans from the first day itself!

3. Plan your Spends: While life keeps providing unannounced financial challenges, you can always plan your monthly spending budget for the fixed expenses. This is also helpful in analyzing your future financial requirements. So, before anything, come up with a plan that you can follow and stay on track while working towards your goals.

4. Build an Emergency Fund: An emergency fund is essential for unwelcome rainy day/s especially in the context of post-pandemic times. Set-aside at least 6 months of living expenses into this emergency fund. Once you have accumulated enough savings, don’t touch the money come what may (unless it’s for an emergency).

Some of the aforementioned suggestions may require some form of financial assistance. By choosing to get a Personal Loan, you can easily plan your next vacation or significantly reduce your overall debt due to credit cards and other such products. HDB Financial Services (HDBFS) is a leading NBFC lender that has helped a large number of people achieve their goals by the means of hassle-free personal loans.