Here are mine for 2016:
1. Save whenever you can.
See that tree that fell on our house just before Christmas? It was not planned. It was never anticipated, and its removal sucked more Christmas gifts and Christmas trips from our already thin wallet. Yes, you say, we save what we can; but hey, don't we deserve to live a little while we can? The trouble with not saving is that these events that suck you dry happen all the time in unexpected ways. Better save for them.
2. Make a list of your needs and wants and get yourself a want often.
Counter-intuitive? Perhaps. We drive past a store that sells ice cream in cones. We tell ourselves that we will stop each time and have an ice cream. Each time we drive past. Last year we stopped only once, when our grandchild was around. The rest of the time we feel ok to skip, choosing not to indulge, but knowing that we can if we want to.
3. Don't skip your needs. You need meds, exercise, visits to doctors, a healthy diet. Plan these activities as stringently as possible, and don't even think about skipping. I have scheduled my weight lifting exercise just before I shower, five minutes or so each day, followed by a shower, followed by rubbing lotions. I can't afford a spa day, but I can afford a spa hour. I've planned my housework in a similar way, with folding clothes providing me with stretching exercises. When I plan my weekly menu I include one meal a day that is all vegetarian, a salad or a soup, for instance. This way I help myself to more servings of fruit and vegetables recommended by the doctors. I intend on trying new recipes that will keep my taste buds happy and curious all through the year.
That's it. Three focus areas. I can still count to three.