Tomorrow at midnight we will be welcoming 2012.

The beginning of the year is the opportunity for everyone to reflect on last year and see where improvement could be done.
Where could we add more balance into our life? What habits do we want to get rid off?

My Rate reviews one of the most popular New Year’s resolution : Quit Smoking .

It all comes to breaking bad habits.

Regaining your ability to choose is key to breaking habits in other words you need to analyse the positive & negative effects this habit has on you and your entourage. Why do you like this habit and why do you still feel bad about doing it? Then you make an informed choice .

For example if one of your new year‘s resolution is to quit smoking.

You first ask yourself: why am I smoking? You may find yourself smoking after a stressful moment at work. So having a cigarette gives you a temporary relief for a moment.
On the other hand smoking makes you more broke each day & is bad for your health.

What can you do instead of smoking to relieve your stress? Maybe you can take a big breath and go for a short stroll outside.

What can you do with the money you save not buying cigarettes? Perhaps you can allow yourself to buy a nice lunch every Friday or you can put that money aside to put a deposit on a house.

One packet of 25 cigarettes costs around $14 and the price keeps going up.

At today’s prices, if you smoke one pack of cigarettes each day for ten years, you’ll spend over $51,000 – more than enough for a house deposit. That put things in perspective, doesn’t it?

Use MyRate Home Deposit Calculator to make an assessment of your situation today.