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be easier to stick to, and once you have a streak going, you can move your goal back another 15 minutes until you reach the ideal amount of rest!
like age, gender, and height, one person’s healthy, ideal weight can be another person’s underweight or overweight. Instead of resolving to lose a set number of pounds this year, aim to bring your body fat percentage into the “fitness” range for your gender and age group. Websites like BMI-Calories.com can help you calculate your current body fat and give you a reasonable goal to shoot for.
Foodtrainers, told TheHealthy.com. If you already have plenty of vegetables in your diet but are still struggling to eat healthily, try resolving to eat more fruit and probiotic foods, or drink more water.
DON’T RESOLVE TO BE MORE ORGANIZED.
DON’T RESOLVE TO LOSE WEIGHT.
DO RESOLVE TO MEDITATE EVERY DAY.
DO RESOLVE TO REACH A HEALTHY BODY FAT PERCENTAGE.
Resolving to get organized without a road map to get there is setting yourself up for failure. If you’ve always been prone to clutter and procrastination, it’s unlikely you’ll be able to change your decades-long habits and become a neat freak all at once. Instead, focus on one area of your life you want to organize, like keeping your desk mess- free, or resolve to change your mindset by adding meditation to your daily routine. According to psychology professor Susan K. Whitbourne, mental and physical clutter are psychologically linked. If you can get your mind organized with a few minutes of peaceful meditation each day, it will be easier to manage the rest of your life.
DON’T RESOLVE TO GET 8 HOURS OF SLEEP.
As the body-positivity movement is constantly reminding us, there is no one- size-fits-all number on the scale that we should strive for. Depending on factors
DO RESOLVE TO GO TO BED 15 MINUTES EARLIER.
It’s hard to change a habit, which is why most people who set ambitious sleep goals are doomed to fail. If you normally go to bed at midnight but need to hit the sack at 10 p.m. in order to get your full eight hours, it will be extremely difficult to shift your routine overnight to make that happen. Instead, try resolving to go to bed just 15 minutes earlier. Such a small change to your routine should
If you’re in the appropriate age bracket, Social Security may play a major role in your finances. So, it’s important to know how Social Security will be changing in 2020. TRUST FUND Unless Congress takes some drastic actions in the coming months, the current excess trust fund revenue will be depleted by the year 2034. If that happens, Social Security will only be able to pay 79% of the promised benefits from ongoing payroll taxes. You may need to think about what your financial plan would be like with 21% less income. RETIREMENT AGE If you haven’t reached retirement yet, this one is important to consider. If you were born after 1959, the full retirement age is now 67 for you. You’ll still be able to start taking some benefits at age 62, but they’ll be at reduced monthly payments. COST OF LIVING Low inflation means that Social Security benefits will only see a minor cost of living increase. This year, it’s expected to be around 1.6%. It’s not major, but if you’re living off Social Security alone, every penny is important. SOCIAL SECURITY IN 2020 Know What’s Changing
MAXIMUM BENEFITS Those near the top of the Social Security income scale in 2019 will see an increase in their maximum payout in 2020. The maximum payout for an individual will be capped at $2,861 per month. That translates to $34,332 per year, so consider how that may impact your finances. TAXES How much your benefits are taxed depends on your household income levels. For example, 50% of your benefits will be taxed if you make between $25,000–$34,000 individually or $32,000–$44,000 for married couples. If you’re above that income bracket, then 85% of your benefits will be taxable.
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