Why life insurance
Life insurance is a financial safety net for your partner, your kids, your life...Read more
It’s almost time for another year — which means it’s time to start thinking about how to create New Year’s resolutions (and keep them, too).
Why do so many people spend the first days of January resolving to kick a bad habit or start a new routine?
“The closure of the previous year and beginning of the new one is generally a great place to start resolutions because it is a transition point,” says Dr. Fran Walfish, Beverly Hills family and relationship psychotherapist and author of The Self-Aware Parent. “Transitions mean letting go of the old and beginning the new.”
To make the kind of New Year’s resolution you can stick to, choose one that you truly want to work toward. Then, figure out how to turn your target into a habit, reward your successes, and be ready to adapt your goal as the year progresses.
Here’s how to craft the kind of New Year’s resolution that will last all year long — and, maybe, the rest of your life.
What kind of New Year’s resolution are you most likely to achieve? According to the mental health and fitness experts, it’s a good idea to set positive, action-based ones that reflect your core values.
If you want to improve your health and fitness in the upcoming year, for example, it’s better to pick a resolution centered around how you feel in your body than one tied to a clothing size or a number on a scale. “A successful fitness goal is one of internal value,” Angela Leigh, senior director of talent at audio fitness app Aaptiv, explains. “Weight is a number. How you feel at the weight is more relevant to your emotional health.”
In other words: Instead of making a resolution to lose weight, resolve to exercise for at least 45 minutes three times a week and keep your refrigerator stocked with healthy foods. Instead of resolving to sleep for at least seven hours every night, decide to give yourself an eight-hour sleep opportunity, six days a week.
Do you see the difference? These resolutions — the kind that are based on actions you can take, not outcomes that are difficult to control — will improve your life regardless of whether or not you hit a specific number (of pounds, reps, sleep hours, dollars saved, etc.). You’ll feel good because you’ve made positive, health-affirming choices that can help reduce stress, not bad because you fell slightly short of an arbitrary numerical goal.
Lastly, make sure your resolutions reflect what you will do this year, not what you won’t do. “I will pack my lunch three times a week” is better than “I will stop buying lunch at work.” As Walfish puts it: “These are things we’re excited to do this year, things we’ll be so proud to have accomplished, things that will make our lives better, more interesting, more stable, more fun.”
Life insurance is a financial safety net for your partner, your kids, your life...Read more
Your resolution is only as good as your plan of action. If you want to spend more time exercising, for example, should you work out in the morning, or at night? You won’t know until you take a look at your schedule and start blocking off time for your new exercise habit — and as Leigh reminds us, spending more time exercising might mean spending less time doing something else.
So get strategic about working toward your goal. Decide what you’re going to do, and, if necessary, decide what you’re going to give up to ensure it gets done. “You can’t simply decide to change without a long-term plan and safety net in place,” Walfish says.
That applies whether you’re hoping to build your side hustle, practice meditation, start a new hobby, or set up a weekly family game night. You need a plan for reaching your goal, and then you need a contingency plan to implement when life gets in the way.
Here’s Leigh’s example of a contingency plan for people who are trying to maintain healthy eating habits: “If you know you cave in social situations when it comes to food or alcohol consumption, eat before you meet your friends or skip the alcohol completely.”
Depending on your resolution, you might want to start cooking in bulk to anticipate nights when you’re too busy to make dinner. Or use an excellent at-home workout program, such as Aaptiv, to find the time to exercise regularly. Or perhaps set aside one afternoon a month to learn new skills, or to make up any family game nights that got skipped due to school events or other conflicts.
Once you start successfully carrying out your resolution, reinforce the behavior with rewards. Yes, we all know that exercise and healthy eating and more sleep and quality time with family are their own rewards, but you can also enjoy external rewards like buying a new workout top, splurging on the fancy cheese, or checking a new board game out from the library.
Walfish suggests that you reward yourself as quickly and as often as possible. “Give yourself daily or weekly small rewards versus waiting until the end of the month.” Even something as simple as tracking your progress on an app or putting a gold star on a calendar can motivate you to keep going.
Even with the best-laid plans (and contingency plans) in place, there will still be days when we don’t live up to our resolutions. When that happens, Walfish advises us to avoid punishing ourselves. Instead, we should forgive ourselves, accept that we are human, and continue working towards whatever it was we resolved to do.
“Know ahead of time how you will deal with falling off the wagon,” Walfish explains. “If you cheat on your diet plan, how will you get back on as quickly as possible?” If it’s the right kind of resolution, your life will get a little worse when you give it up — and that should be enough of an incentive to help you fit the behavior back into your day-to-day routine.
You budget online. You invest online. Why not apply for your life insurance online?Read more
As the year progresses, pay attention to how your resolutions are fitting into your life. Are they making your life better, or do they feel less like something you want to do and more like something you thought you should do?
Maybe meditation isn’t your thing. Perhaps everyone in your family has come to dread the weekly game night. If a goal isn’t working for you, you’ll know — and that’s okay.
Leigh and Walfish both advise resolution-makers to be honest with themselves, and be ready to adapt and adjust their goals as the year proceeds. Maybe you’d rather sign up for a meal kit subscription than make a healthy dinner from scratch every night, for example. Or perhaps you discovered that you hate cooking, and you’d instead reconfigure your budget to put more money toward healthy takeout options.
“It really is about the process of change more than the change itself,” Leigh says. As long as you’re continuing to work towards your core values, it doesn’t matter how you get there. You can eat nutritious foods even if you don’t cook, improve your physical fitness even if you can’t make it to the gym, and spend quality time with your family even if none of you like board games.
You should also be aware when you’ve made a resolution that doesn’t actually reflect your core values. “It doesn’t matter what you think you want,” Walfish explains. “The truth of your underlying wants and needs will always happen.” If you tell yourself you’re going to read 52 books next year but you actually want to spend your free time rewatching The Office, you might only read three or four books before you start finding excuses to swap your reading habit for your streaming habit.
“Discover your own truth,” Walfish advises. “Nurture and respect it.”
And then resolve to affirm it, no matter what the new year brings.
Nicole Dieker has been a full-time freelance writer since 2012, with a focus on personal finance and habit formation. In addition to Haven Life, her work regularly appears at Lifehacker, Bankrate, CreditCards.com, and Vox. Dieker spent five years as a writer and editor for The Billfold, a personal finance blog where people had honest conversations about money, and is the author of Frugal and the Beast: And Other Financial Fairy Tales.Read more by Nicole Dieker
Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.
Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.
Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus
Jun 1, 2023
Easy to apply I just got approved last week so haven't had to make any claims or anything like that (as this is a life insurance policy, guess that's a good thing lol). But what put Haven Life at the top of my list was their intuitive website and easy application process. All done online and then the physical exam was done in my home! Very easy process.
–S Speightread more at
May 25, 2023
There was truly no medical exam for their term life insurance. The customer service was responsive and helpful. The price was comparable to another company with the same terms.
–Bukkyread more at
May 11, 2023
Wonderful company!! I definitely recommend Haven life!! Awesome at finding the best coverage for me! Great coverage that is affordable!! Glad I listened to the recommendation that was given to me about this company
–Blaiseread more at
May 10, 2023
I looked into two other companies. The coverage was comparable but I was most impressed with Haven Life’s customer service. I was also impressed with the pricing tools.
–Danielread more at
Apr 19, 2023
Pros: -Easy online application -Can get coverage immediately after applying online -Pretty seamless process throughout the experience Cons: -Although told I was covered initially after applying online, I was informed that I needed to get physical check up in order to continue the plan. -Although I’m very healthy, my plan price increased 2x after the physical checkup.
–Malcolmread more at