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{ 14 }  SNJ Today  |  JANUARY 19, 2022                                                                                                                                                                                                                       JANUARY 19, 2022  |  SNJToday.com   { 15 }
             SLICE OF LIFE                       Statepoint / PHOTO: (c) Olga PS /    MONEY MATTERS                           Statepoint / PHOTO: (c) Kerke
                                                 iStock via Getty Images Plus
                                                                                                                                iStock via Getty Images Plus
              Set a Schedule                                                           Set Your Goals




       Here are five tips for sticking to a schedule in 2022.                     Start the year with three simple financial intentions.

                                                                                    he New Year offers the perfect time
                                                                                    for a fresh start and a renewed com-
                                                                              Tmitment to getting finances back
                                                                               on track after a season of spending—one
                                                                               where many Americans felt the effects of
                                                                               the pandemic on their wallets even before
                                                                               the onset of the holidays.
                                                                                 In fact, COVID-19 has already prompt-
                                                                               ed consumers to start thinking differently
                                                                               about their finances. According to Lincoln
                                                                               Financial Group’s Consumer Sentiment
                                                                               Tracker, 59 percent say they are planning
                                                                               to make permanent changes to the way
                                                                               they spend and save due to the crisis. The
                                                                               findings went on to show that consum-
                                                                               ers’ top three financial concerns in today’s
                                                                               market include emergency savings (41 per-
                                                                               cent), having enough income in retirement
                                                                               (40 percent) and inflation (39 percent).
                                                                                 “Our research found consumers are
                                                                               especially interested in protection dur-  accident and life insurance that may be
                                                                               ing times of financial uncertainty, which   available through your employer or con-
                                                                               reinforces the need for financial planning,”   sider an individual life insurance policy.
         ticking to a schedule is good for   tions and other outdoor activities.  said Sharon Scanlon, senior vice president,   Also, commit to funding your emergency
         health, wellness and productivity,   • Keep it consistent: Keep both bed-  Customer Experience, Producer Solutions   savings account as part of your budget.
     Sand the start of a new year is the per-  time and the time you awake consistent   and Retirement Operations for Lincoln   And remember to think about how you
     fect time to form great habits. Resolve to   day-to-day. Doing so can mean better   Financial Group. “Everyone has competing   would fund the cost of care if you or a
     adhere to a daily routine with the follow-  quality slumber so you will be more   priorities but making a few easy adjust-  loved one had a long-term care event.
     ing tips and tricks:                 alert, energized and ready to tackle tasks.   ments can help people achieve their finan-  3. Plan for the future. Start with your
        • Write it down: The act of writing   Consistent mealtimes can also be benefi-  cial goals.”               employer-sponsored retirement plan and
     things down can help reinforce priorities.   cial, helping you maintain your energy   Here are three simple financial resolu-  commit to save at least up to the match, if
     Keep a list of short- and long-term goals,   throughout the day, manage metabolism   tions Lincoln Financial recommends for   available. If you already meet the match,
     events and meetings. Be sure to check   and avoid hunger.                 2022 to help strengthen consumers’ finan-  resolve to increase your retirement con-
     items off your list as you complete them.   • Don’t overdo it: It can be tempting   cial outlooks in the new year:  tributions each year, or with each increase
     Doing so can help you stay motivated.  to try to schedule more tasks and to-dos   1. Review finances holistically. Ensure   in pay. You don’t just need a retirement
        • Get a good watch: Keep yourself   into your day than is realistic. Doing so,   you evaluate the big picture—not just   plan, though—you need a plan for retire-
     accountable with a good watch. The   however, can leave you feeling constantly   where you are spending, but where you   ment. Consider diversifying your portfolio
     line-up of Edifice watches by Casio are   stressed, and always in catch-up mode. Be   are saving and protecting your future too.   with an annuity. Also, in-plan guaranteed
     not only stylish, they contain must-have   sure your schedule offers you sufficient   A simple budget will help you differenti-  income options can serve as a powerful
     productivity features, such as multiple   time to complete tasks and travel between   ate between needs and wants, enabling   tool to protect savings during periods of
     alarms, as well as countdown timers   appointments.                       you to find areas to cut back or eliminate   market volatility, while still benefitting you
     displaying the remaining time until the   • Practice self-care: Downtime is   to find money to meet your financial goals,   when the market goes up.
     alarm beeps.                         essential. Whatever self-care looks like to   like retirement or emergency savings.   In addition to these resolutions, also
        They also connect with your smart-  you, be sure to build it into your schedule,   Maximize online budgeting tools, calcula-  consider meeting with a trusted financial
     phone and offer cool, sync-up features   whether that means relaxing with a good   tors and other financial wellness resources   professional who can help you identify
     that help you keep your essentials orga-  book, getting together with friends or   available through your employer too.  solutions that best meet your individual
     nized, such as “phone finder.” If you pre-  working out.                    2. Prepare for the unexpected.    needs and situation. Visit lfg.com for more
     fer a sportier timepiece, Pro Trek watches   Make 2022 the year you finally create   Without the right protections in place, an   tools and resources.
     offer similar alarm features, along with   and maintain a well-balanced schedule.   unexpected event can derail retirement   With a few proactive strategies, you
     step counters and sensor technology like   With wearable tech and smart habits,   savings, disrupt your ability to provide for   can get 2022 started on the right financial
     altimeters, compasses and more, all of   you’ll be more inclined to stick to the pro-  your family or drive you into additional   foot. n
     which are great for hikes, fishing expedi-  gram. n                       debt. Look into coverages like disability,
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