How to keep your News Years Resolution and look great doing it!

1.    Lose Weight
Experts say to work out at least 3 times a week for 20 minutes. If you are trying to lose a lot of weight than work out 5 times a week. I suggest getting an exercise journal (to track your progress and exercise regiment), a good pair of sneakers, and a charm! Yes, a charm! A charm can remind you of your resolution. You can find many charms that are geared towards exercising! I found a lovely sterling silver exercise bike charm by Rembrandt Charms for $28.00.

2.    Managing your debt
If you are debt, I suggest that you developing a Budget. You cannot control your debt without knowing where your money is going. The next step is to contact your creditors and set up a payment plan. You can reduce your payments to a more manageable rate. This can be applied to car payments and home loan payments.

If your accounts have been turned over to a debt collector, than know your rights. A debt collector may not call you before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. Creditors must honor a written request from you to stop further contact.

I suggest that you getting Managing Debt For Dummies. It is a great book for everyone trying to be Debt free.

3.    Save Money
We all love to shop but make sure you put a little cash on the side. If you do not trust many of the banks in the world today than go back to the good old piggy bank. Yes, piggy banks are still around and they are very stylish! If you have spare changes from buying those great earrings or that fabulous new shirt, then drop those coins in your new piggy bank. You will be surprise by how much you will have. Try out this piggy bank. This piggy is stylish and so cosmopolitan!

4.    Get a better Job

If you are sick of your job, my suggestion is to stick with it. Remember we are in a recession and getting a job is very hard. If you are determine to getting a new job or entering the job market for the first time, I suggest that you various versions of your resume. If you are applying to a job, show your skills/experiences that fit that job. Add relevant job experience for your chosen position. You may need to increase your skills and experiences in your dream job. There are several things you can do to build up your resume such as establishing a network, interning at a company, and/or learning a new skill -such as a language.

There is also other creative ideas to get a job such as a tee with your resume on the back! This is the best way to market yourself in these rough times.

Here is a list of all the merchandise mentioned above:

1. http://www.rembrandtcharms.com/Home/CharmDetail?ClassID=10&StyleID=6395&SizeID=0&cate_id=0&p=1&cs=exercise%20bike&pp=10
2. http://www.dummies.com/store/product/Managing-Debt-For-Dummies.productCd-0470084863,navId-322436.html
3. http://www.amazon.com/Volcoino-Piggy-Bank-Chrome-Umbra/dp/B0019TYR0U/ref=sr_1_18?ie=UTF8&s=home-garden&qid=1231236349&sr=8-18
4. http://www.blackbirdtees.com/store/resume-tees-65/your-future-employee-tee-202.html