Now that January is over, I have to ask — how are those financial resolutions coming along? It takes about 3-4 weeks to create a new habit, so hopefully, the changes you’re looking to make this year are starting to settle into place. If they’re not feeling like habits yet, or if you’re feeling tempted to throw in the towel, hang in there!

Your financial resolutions obviously affect your wallet, but they can also impact other areas of your life, from relationships with friends and family to your professional career. That’s because money and personal well-being go hand in hand. So, make your life as healthy as it can be by keeping those financial resolutions top of mind.

I teamed up with Capital One to share some tips that can help you stick to your goals while benefitting both your wallet and your overall wellness:

Set yourself up for success by starting small

Tackling your larger financial goals one step at a time will not only remove some of the pressure but make you feel good about the progress you’re making. Results are the best motivator. Use my LBD (Little Budget Diary) if you need some help starting to track your progress, or kick off next month with my 21-Day Financially Fit Challenge – as with physical fitness, it’s about starting small and keeping at it so that those resolutions become habit.

Use technology to help keep your worries away

Life is busy and worrying about money doesn’t pay the bills, it only feeds into overall stress and anxiety levels. A new favorite digital tool of mine is Eno® (your Capital One assistant). Eno looks out for you and your money 24/7, alerting you to potential fraud or duplicate charges in real-time, and lets you pay your bill by simply sending a text or emoji – giving you greater piece of mind, so you can focus on living your life with one less thing to worry about on your mental to-do list. (Capital One customers, learn more at www.capitalone.com/Eno).

Budget in the small indulgences

A lot of stress around money comes from feeling guilty about splurging on yourself. So, stop that. You shouldn’t feel guilty if it’s planned and accounted for in your overall spending plan. I always say that investing in yourself is the best investment you will make. Studies have shown that taking care of yourself and your happiness is directly correlated to doing better at work. If you do better at work, then you make more money. If that morning latte is going to help you feel better and be more productive, then it’s worth it.

Check in on your goals

Think about how you best visualize your goals. Do you like to have them written down? Would you rather display on a vision board? Stick to whichever way is best for you to see what you’re working toward and check on them at the start of every week. Reminding yourself of your endgame boosts happiness centers in your brain, keeping you more motivated to work toward them.

Get a buddy

Studies have shown that you’re more likely to have your friends’ good habits rub off on you. So, find your most financially fit friends and make regular check-in dates with them either on the phone or in person. In the same way you’re more likely to stick to a workout plan with someone holding you accountable, your financial wellness is better achieved with a friend holding your hand and cheering you on when it gets tough.

Making a digital tool like Eno your financial friend can also help keep you accountable – once you’ve signed up for bill pay reminders, Eno can help you avoid missing payments by reaching out when you haven’t paid your bill the day before it’s due.

And you also have me…I’m rooting for you to have a healthy and successful 2019. Remember that your financial health is an important part of your overall well-being and that starting to take control of your money will have a positive impact on all the areas of your life.

Change your mindset from a place of deprivation to a place of aspiration and your finances will follow.

This post is sponsored by Capital One®