So is the start of a new year, what are you going to focus on in 2022? Following a year of
record-high inflation, personal debt, and a tumultuous jobs market, most are looking to get
healthy, exercise more, get out of debt, save more, and spend less. One of the most common ways
to kick off the new year is setting goals for your health and finances. Ditch the vices and start new
healthier habits all while trying to stick to a budget. It can often be a daunting task trying to
figure out where to cut costs while improving your health and lifestyle at the same time.
Accordingly, to a recent study from Fidelity, up to 68% of Americans are considering a financial
resolution for the new year, and a whopping 74% are considering physical health objectives as the
top priority for 2022. Interestingly, this is a common priority among a wide range of ages,
anywhere from 18-75 years old. So where do you start? Here are a few tips to get you started in
the right direction.
- Budget apps – and I don’t mean the free ones that bombard you with advertisements to
get you to spend money you don’t have. Check out Mint, Goodbudget, EveryDollar or
Honeydue has some user-friendly apps that you can get started right away and can help you
visualize where your money goes, and the amount of ridiculous things you spend it on. Think
of it as a virtual financial manager, who will give you text alerts when your spending goes
outside of your set plan. Gotta stay accountable for spending in 2022.
- Insurance: Switching to Geico could save you 30-40% on your car insurance. Funny
thing is that I’ve seen that commercial ten thousand times, and you know what, they were
right. Check it out, shop around for some car insurance, it’s a great way to save some
Benjamin’s every month.
- Heath Insurance: Is there another option? Sometimes you might have to look hard, or
know what you’re looking for before you find it, but, yes, you do have options. One thing you
have going for you right now is the total failure of the current health care industry. Ballooning
insurance premiums, sky-high deductibles, and a 6-month waitlist to see your primary doctor.
No Thanks. It’s no wonder physicians and patients are fleeing that system to start fresh and
establish a practice free from the burdens imposed by the Barons of corporate healthcare. So
who’s answering this call? Direct primary care, or DPC Doctors. These are health care
professionals that offer membership or subscriptions in lieu of a one-size-fits-all insurance
contract to a hospital-managed system. Still a relatively new concept, but nonetheless, very
effective. Core Healthcare (www.healthcorecare.com) is the first company to network these
independent providers in Montana, and also add a full suite of ancillary services and Tits-to-Toes
full coverage health insurance. Want to knock out two new years resolutions at once, save
money and make your health a top priority? Core Healthcare, thank me later.