Resolutions are for Life, Not Just the New Year
Happy new year! Yes, I know January has passed and the festivities seem like a distant memory, but c’mon, the year is still young. Just go with it.
How’s your year going so far? Are your resolutions still going strong or have you given up already? If it’s the latter, don’t beat yourself up. The beauty of a resolution is that you can make one at any time of year; you can stop and start again in order to ensure that you can still get the benefits of making a change for the better.
Whether you want to get more exercise, go on a diet, drink more water, add to your savings account, or balance your check book regularly, you can still enjoy the benefits of doing something positive, even if you start late.
If you’re looking for an idea, one of the best resolutions you can make is to get organized, which can have a knock-on effect in respect of advantages in other areas of your life.
Start with the Basics
Not sweating the small stuff is a good way to help have a more relaxed life, and clearing out the junk that you don’t need can be similarly beneficial – even if it is just the small stuff. When was the last time you had a good look through your purse or wallet? They often become home to a range of odds and ends that don’t have a home elsewhere, which can lead to you carry around a bunch of things you don’t actually need.
Take the time to clear out your purse or wallet and remove all the old receipts, lists, notes, and any other unnecessary bits and pieces that have found their way in there. You may even find some receipts that you should have submitted with your tax return.
Similarly, check whether you have retained any credit, debit, or loyalty cards that have expired or which you no longer use. Securely destroy any plastic that you no longer use to avoid the risk of fraud taking place should they get into the wrong hands.
Though these steps may see trivial, they are a great first step to getting organized and helps free up space for more important things.
What about your mobile? Do you regularly review your contact list to see how many numbers you’ve stored that you do not use? Get rid of the dead weight. Do the same with any unused apps, photos, notes, e-books and/or podcasts.
Delete all those things on your phone that you no longer use and which are taking up space on your phone’s memory.
Keep Your Car Up-to-date
One of the last things that you want to happen is to get stopped by the police for an issue with your car. To prevent this from happening, you must ensure that your car is kept in a roadworthy condition at all times. This not only means ensuring that your windscreen is free from cracks, all the lights work properly, and that your windows aren’t too tinted, you also need to comply with any specific regulations imposed by your state. For example, some states forbid anything from being hung from the rear-view mirror.
Getting stranded on the highway because you forgot to top up the oil, had a blow out on bald tires, or ran out of gas is not a good look. If you resolve to be a responsible driver and car owner, you must keep up with the regular maintenance needs of the car to avoid any problems.
Don’t Forget the Paperwork
Ensuring that you can drive safely and legally means more than maintaining the physical state of the vehicle. It is also necessary to ensure that all the documentation that is required of a driver is correct and up-to-date. Does your driving license need to be renewed? Is it valid for your state? Is it the right type of license for the vehicle you are operating? Over time, things change in respect of your practical use of a vehicle, and you may not always automatically check that this is reflected in the related paperwork.
Not only is it essential that you do what is necessary to obtain the correct permission to drive, you must also ensure that the car is properly registered and tagged.
In order to be in a position to register your vehicle, you need to provide the correct information in accordance with what is required by the Registry of Motor Vehicles (RMV) in your state. When it comes to Massachusetts, it will be necessary to prove your identity when undertaking the process of registering a vehicle or trailer. You might assume that you know what can be classed as valid identification, but you should check what is required beforehand to avoid aggravation and wasted time.
In Massachusetts, you can prove your ID by providing one of the following:
- Valid driver’s license (in-state, out-of-state, or out-of-country)
- Valid Massachusetts ID card
- Social security number
- Proof of lawful presence in the United States
The form of identification presented must be unexpired and the details will be verified by the RMV staff.
Should the driver attend the RMV office in person, the physical license is required to be presented. However, when the driver is not present, a color photocopy can be provided, though only for the out-of-state or out-of-country licenses. If a photocopy is to be provided, it must be in color and must include both the front and back of the license. Ensure that the photocopy is entirely clear, legible, and has no sections obscured.
A color photocopy can be used in place of the actual license when an insurance agent is acting on behalf of the driver in the process of registering the motor vehicle or trailer.
Ensure You’re Insured
A car that is properly registered and tagged can then be properly insured, and you must take the necessary steps to ensure your coverage is correct and that your policy is valid. During this time, it is also a good idea to ensure that all the details within the insurance policy is valid for your use. For example, if you have had any after-market parts installed onto your car, the insurance company must be made aware of this. If you have a policy that provides coverage for multiple vehicles and/or multiple drivers, check that all of the insured parties and vehicles are correct.
The average household is likely to have more than one insurance policy, and it is a good idea to consider all of them to ensure that they are still appropriate to your circumstances. For example, think about whether you have purchased any high-value items since the inception of your home insurance policy. Whether you want it to be individually insured, or you need to increase the sum insured to cover the value, you will need to contact your insurance company and advise them of your purchase.
Similarly, you should also check that you are not still paying premiums to insure items that you no longer own. Keep your policy up to date to avoid paying out more money than necessary.
At the same time, it will be worth considering whether you will get more for your money by bundling your insurance. Take into account all the insurance policies that you have in place and check whether it would be worthwhile combining them all within one policy. At Econosurance, we can help you with this as with a quick call to us on 800-335-0633, we can find you the bundled policy that will save you money.
Whether it comes in the form of rent, a mortgage payment, lot rent, or property taxes, there is always going to be something you need to pay for when it comes to where you lay your head. Keeping up to date with payments will help you to avoid penalties and more dire consequence, so check statements/invoices when they arrive and ensure you are not in arrears.
When was the last time you checked your utility bills to see if you are getting the best deal? It is all too easy to simply continue paying your bills without checking whether you are actually getting the most for your money.
It doesn’t take much. With a little effort, you can successfully achieve a resolution that will offer you long term benefits.