--- title: 8 Budget-Related New Years Resolutions description: Eight financial and budget related new years resolutions to motivate you to increase your financial health and make money goals this coming year image: https://www.beyonddebt.com.au/hubfs/art-blur-cappuccino-302899.jpg --- ![Top bar image](https://www.beyonddebt.com.au/hubfs/Assets%202019/Top%20bar%20image.jpg "Top bar image") ###### ![](https://www.beyonddebt.com.au/hubfs/Assets%202019/Tv.svg)Did you see us on TV? - [Click Here](https://www.beyonddebt.com.au/debt-help) ![Close](https://www.beyonddebt.com.au/hubfs/Assets%202019/Close.svg "Close") [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20black.png?width=560&height=128&name=Beyond%20Debt%20black.png "Logo")](https://www.beyonddebt.com.au) [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20white.png?width=560&height=128&name=Beyond%20Debt%20white.png "Logo")](https://www.beyonddebt.com.au) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)**1300 284 091**](tel:1300%20284%20091) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) [![Free Consultation](https://no-cache.hubspot.com/cta/default/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a) #### [1300 284 091](tel:1300%20284%20091) - ##### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) [## How to Get Out of Debt in 2026: The Australian's Step-by-Step Guide (And Free Budget Planner) ](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) [Read Article](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) - ###### [Affordable Living](https://www.beyonddebt.com.au/blog/topic/affordable-living) - ###### [Gifts & Holidays](https://www.beyonddebt.com.au/blog/topic/gifts-holidays) - ###### [Personal Finance Basics](https://www.beyonddebt.com.au/blog/topic/personal-finance-basics) - ###### [Handle Money](https://www.beyonddebt.com.au/blog/topic/handle-money) # [8 Budget-Related New Years Resolutions](https://www.beyonddebt.com.au/blog/8-budget-related-new-years-resolutions) - ###### Kristin Perissinotto - ###### 11 Dec 2018 ###### LATEST ARTICLES - Affordable Living - Gifts & Holidays - Personal Finance Basics - Handle Money [Back to blog](https://www.beyonddebt.com.au/blog) - Share - [**](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2F8-budget-related-new-years-resolutions) - [**](https://www.twitter.com/share?url=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2F8-budget-related-new-years-resolutions) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https://www.beyonddebt.com.au/blog/8-budget-related-new-years-resolutions) Are you planning your resolutions or goals for the upcoming year? Do you have some financial goals you want to achieve? Specificity is a must when creating achievable goals. We have eight ideas to get you started with your resolution planning. ![resolutions budget new year](https://www.beyonddebt.com.au/hs-fs/hubfs/resolutions-scrabble-3237.jpg?width=450&name=resolutions-scrabble-3237.jpg) ## 1. Go a month without buying food out A great way to recoup the cost of the Christmas season is to set a goal to do all your cooking at home in January. This could be a goal you set for a couple of months a year. You may be surprised at how much you can save! ## 2. Choose a no-spend day Choose one day of the week where you don't get your credit card out at all. This will require some planning and organisation, and will help you think twice before swiping. ![diy save money](https://www.beyonddebt.com.au/hs-fs/hubfs/box-color-container-1075757.jpg?width=450&name=box-color-container-1075757.jpg) ## 3. DIY [Upcycle](https://blog.beyonddebt.com.au/reusing-and-upcycling) and DIY instead of buying things new. Australians throw away countless tonnes of textiles every year - instead, see what you can do with what you have. ## 4. Get creative with presents Make a pact with some friends to make homemade birthday presents this year, or instead of buying gifts, spend some quality time with your loved ones. ![clothes buy budget](https://www.beyonddebt.com.au/hs-fs/hubfs/clothes-clothing-hanger-1282316.jpg?width=450&name=clothes-clothing-hanger-1282316.jpg) ## 5. One in, one out Many people have success with implementing the 'one in, one out' rule when it comes to their wardrobe. This simply means that every time you want to buy a new piece, you need to get rid of an existing one. This might mean you sell some old clothes for extra cash, and it will likely deter you from buying. ## 6. Track all spending If you're new to the world of budgeting, a greta place to start is to simply track all your spendings. Keeping a record of every outgoing purchase is a great way to understand and control your finances. ![coffee machine budget](https://www.beyonddebt.com.au/hs-fs/hubfs/art-blur-cappuccino-302899.jpg?width=450&name=art-blur-cappuccino-302899.jpg) ## 7. Save up for a coffee machine Buying coffee out is one of the most popular expensive habits. On average, we spend thousands on coffee every year, and just a fraction of that could be used for a coffee maker for home or work that produces a cup for a fraction of the price. ## 8. Learn to garden Building up your own garden and growing your own fruit, vegetables, and herbs is a great way to save money and create a hobby in one. Get started with a couple of herbs in pots and build from there! ###### Ready to become debt free? #### Take the first step to a debt free future [Ready to become debt free?](https://info.beyonddebt.com.au/request-a-consultation) ### You might find these interesting - ##### [Affordable Living](https://www.beyonddebt.com.au/blog/topic/affordable-living) ## [Lunch Ideas under $2](https://www.beyonddebt.com.au/blog/lunch-ideas-under-2) - ###### Ben Paris - ###### 07 Sep 2022 - ##### [Affordable Living](https://www.beyonddebt.com.au/blog/topic/affordable-living) ## [What Really Makes You Happy?](https://www.beyonddebt.com.au/blog/what-really-makes-you-happy) - ###### Ben Paris - ###### 11 Nov 2021 - ##### [Affordable Living](https://www.beyonddebt.com.au/blog/topic/affordable-living) ## [What Can Debt Collectors do?](https://www.beyonddebt.com.au/blog/what-can-debt-collectors-do) - ###### Ben Paris - ###### 02 Sep 2021 - [Personal Finance Basics (126)](https://www.beyonddebt.com.au/blog/tag/personal-finance-basics) - [Handle Money (100)](https://www.beyonddebt.com.au/blog/tag/handle-money) - [Everyday Expenses (61)](https://www.beyonddebt.com.au/blog/tag/everyday-expenses) - [Affordable Living (50)](https://www.beyonddebt.com.au/blog/tag/affordable-living) - [Build Savings (33)](https://www.beyonddebt.com.au/blog/tag/build-savings) ## Ready to become debt free? #### Speak with one of our specialists to start your future [![About Beyond Debt](https://no-cache.hubspot.com/cta/default/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2) [![Get Help](https://no-cache.hubspot.com/cta/default/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) - ![Family-Owned-transparent-300x158](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Family-Owned-transparent-300x158.png?width=115&name=Family-Owned-transparent-300x158.png) - ![pipa_logo_transparent_300w_100h](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/pipa_logo_transparent_300w_100h.png?width=151&name=pipa_logo_transparent_300w_100h.png) - ![Feefo](https://www.beyonddebt.com.au/hs-fs/hubfs/Feefo.png?width=115&name=Feefo.png) ##### Debt Help ##### Company ##### Resources Beyond Debt is a trading name of DCS Group Aust Pty Ltd. 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