Top ten New Year’s resolutions

Whether your New Year's resolution is to read more books or to spend less time on Facebook, willpower is the key to keeping it.

The New Year is when you think about the past and more importantly, reflect on how you can improve yourself for the upcoming year. It's the time to reflect on the changes you need to make and commit yourself to seeing it through – it's time to make a New Year's Resolution!

Self improvement, or at least the desire for it, is a goal shared by all Australians, which is why so many of us make a New Year's Resolution in the first place. Unfortunately only a fraction of us keep to our resolutions, with experts estimating only about 8% commit to the very end. The secret to achieving your resolution is actually the resolution itself.

Top ten New Year's resolutions and how to start them

Have you ever wondered what everyone else was committing to for the New Year? Have a look at our top 10 and see if yours made the cut. To help you get the ball rolling, we've included some easy ways to help get you started.

1. Improve your fitness

We all know that regular exercise has more health benefits than anything else out there. Studies have shown that improving your fitness also improves your mood, mentality and reduces the risk of some cancers, not to mention it keeps you in shape. It’s easier than ever to find the perfect fitness program, many of which don’t require any gym memberships and minimal equipment.

Where should you start?

Cosmo Body


Biggest Loser

2. Eat better

There’s more than just working out required to get the body you want. It’s all about the combination of eating better and keeping up your fitness. Cutting junky snacks and adding in more wholesome, farm-fresh foods are a great place to start.

Where should you start?

Changing Habits

changing habits

Bulk Whole Foods


Aussie Farmers Direct


3. Quit smoking

If this is the year you kick out your smoking habit, there are plenty of over the counter nicotine replacement therapies. Even if you've tried to quit before and failed, there's no harm in trying again. You could also try an electronic cigarette to help your nicotine cravings.

Where should you start?

4. Quit drinking

Like trying to quit smoking, many heavy drinkers fail to quit cold turkey. However, unlike smoking there are no alcohol substitutes available over the counter. If you have decided that you'd like to quit drinking this year there is a lot of help and support available. Groups such as Alcoholics Anonymous offers regular meetings and there are a lot of clinics out there to help.

Where should you start?

5. Learn something new

Have you promised yourself that you'll learn something new this year? Maybe you're looking to take up a new hobby or learn a new language for upcoming travels. With the power of the internet, it's now possible to be certified in a range of courses.

Where should you start?

Courses for Success


Online Courses Australia


6. Travel more

Did you know Australians are some of the world’s worst at taking all their annual leave days? We leave an average of five days unused each year. Just think about what you can do with that – visit beautiful places, experience different cultures, discover a new cuisine. Make 2018 the year you’ll finally see the world, or explore your own backyard.

Where should you start?

7. Volunteer

Helping others in need is a great and selfless New Year's Resolution. Whether you'd like to head overseas to volunteer, help disadvantaged kids in your local area or something else, there are a lot of organisations out there that can make it happen, according to your schedule. If you don't have a lot of time, you can still donate to a charity whether it be old furniture or monetary donations.

Where should I start?

8. Meet someone

Being single is so 2017. Make 2018 the year you meet that special someone. You don’t have to be the kind of person who can just start chatting up someone you find cute in a cafe, or that beauty by the bar. There are plenty of online options to help you find a partner. Many of them help break the ice by offering personality tests to show you who you’d be most compatible.

Where should I start?

9. Sleep more

Tired of being tired? There are more benefits to getting a good night’s sleep than just feeling more refreshed. A proper snooze can do all kinds of things, including keeping your metabolism going strong, help you concentrate better, and make you less likely to get sick.

Where should I start?

Peter Alexander


10. Get out of debt

The average debt per credit card holder in Australia is $4,461.33, which translates to $800 in interest per year if their interest rate is between 15% to 20%. This is why this is also a popular resolution. Getting out of debt is a great way to get a handle over your finances and increases your borrowing power.

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Rates last updated October 18th, 2019
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Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 22 months
19.99% p.a.
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months with 1% balance transfer fee
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% p.a. interest rate on balance transfers for the first 22 months, with a 1% balance transfer fee. Plus, a reduced $64 first year annual fee.
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months
0% for 13 months, reverts to 21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
St.George Vertigo Classic
0% p.a. for 18 months
13.99% p.a.
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 70,000 bonus Velocity Points when you meet the spend requirement. Plus, save with a 0% interest for 18 on balance transfers.
Citi Rewards Platinum Credit Card - Balance Transfer Offer
0% p.a. for 26 months with 1.5% balance transfer fee
21.49% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus $0 first year annual fee.
Bendigo Bank Low Rate Mastercard
0% p.a. for 18 months with 2% balance transfer fee
11.99% p.a.
$45 p.a.
Take advantage of 0% p.a. for 18 months on balance transfers, plus a low variable purchase interest rate of 11.99% p.a. on purchases.
Citi Clear Platinum Credit Card
0% p.a. for 9 months
0% for 9 months, reverts to 14.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
BOQ Low Rate Visa Credit Card
0% p.a. for 14 months
13.49% p.a.
$55 p.a.
A no-frills card offering 0% on balance transfers for the first 14 months with no balance transfer fee. Plus, a competitive purchase interest rate.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.

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Here's what your New Year's Resolution should be:

  • Simple. A lot of people use it an excuse to make a massive list of things to do, such as extreme makeovers, or a huge step in their career. While it is a nice aspiration, there are too many existing priorities in your life to ignore just so you can achieve your New Year's resolution. Keep it simple and single.
  • Tangible. The key to making your New Year's resolution tangible is to make it quantitative and specific. Instead of just saying 'I want to lose weight' specify the amount of weight you'd like to lose, such as five kilos every six months. When you reflect back, you can exactly determine if you've reached your goal or not.
  • Shareable. Share your goals with your friends and family as it gives you some element of accountability and your friends and family can then support you. Sharing it on social media is also extra motivation for you to work towards your New Year's Resolution.
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