How to stick to your New Year’s Resolutions on a Budget
Rebecca Bebbington·Jan 6, 2025
Whether your goals include getting fit, learning a new skill or picking up a hobby, there are plenty of budget-friendly ways to achieve them without emptying your wallet!
The new year is the perfect time to set goals and make positive changes in your life, but sticking to your resolutions can be tough, especially if you’re worried about keeping costs down.
In this guide, we’ve put together a list of ways you can achieve your New Year’s resolutions while keeping your finances in check.
What’s in this Guide?
- 4 Tips on How to Get Started
- Achieve your Fitness Goals on a Budget
- How to Learn a New Skill on a Budget
- Stay Motivated Without Spending Money
4 Tips on How to Get Started

1. Start with a Plan
Firstly, we recommend putting together a plan that clearly defines your goals. The more specific your resolutions are, the easier they’ll be to tackle. For example, instead of saying “I want to get fit,” try “I’ll exercise three times a week by jogging or doing home workouts.” Breaking your goal into small steps will make it less overwhelming and easier to measure progress. Plus you’ll be more likely to stick to it.
2. Set a Budget
You should also set a budget and work out how much you can afford to spend on your goal. If you’re trying to keep costs low, consider low-cost alternatives before committing to anything expensive.
3. Take your Time
Trying to tackle too many goals at once can quickly lead to burnout. We suggest focusing on one or two resolutions first to ensure you stay consistent. Once you’ve created positive long-term habits, then you can start pushing yourself to achieve the next goal.
4. Stay Flexible
If something isn’t working, don’t give in, simply adjust your approach. For example, if running isn’t your thing, try walking or cycling instead. It may take a few attempts to find something you love, that is why we recommend holding off on spending a fortune on your new hobby until you know you really like it.
Achieving your Fitness Goals on a Budget
Improving health and fitness is usually one of the top resolutions on everyone’s list of goals. But getting fit doesn’t always have to include taking out an expensive gym membership. There are plenty of affordable ways you can work out and lose weight while sticking to a budget.

Try Free Home Workouts
Skip the gym fees and use free resources like YouTube. This platform is full of workouts with channels that specialise in everything from HIIT workouts to Yoga. Creators like Chloe Ting and Joe Wicks offer hundreds of free workouts that you can do in the comfort of your own home, so why not take advantage of them?
There are also plenty of free apps that can help you get started on your fitness journey including Nike Training Club and Couch to 5K.
Invest in Affordable Home Equipment
You don’t need to go all out on a full home gym to get started. All you need are workout essentials like resistance bands or yoga mats which you’re sure to find at a discounted price during the January sales. If you don’t want to spend on these items, you can always try repurposing household items. You can switch out weights for other heavy items around your home, or even use your stairs for cardio exercises.
Join Free Community Events
If you find it easier to stick to your fitness goals when you workout with other people, why not get involved in community sports events? Parkrun is a great example. This free weekly 5K run is held in parks across the UK, just look out for it online or on social media to find where your local group runs.
We also recommend checking your local council for low-cost or free fitness classes or simply getting out and going for a walk, cycle or jog with a friend.
How to Learn a New Skill on a Budget

If you’re feeling refreshed after the Christmas break and motivated to try something different, New Year is the perfect opportunity to pick up a new hobby or learn a new skill. The best part is that not all hobbies cost a fortune. Whether you want to master a new language, learn to cook, or start coding, there are many affordable ways to acquire new skills.
Use Free Online Resources
Instead of splashing out on an expensive course, look out for free online resources first. Platforms like YouTube, Coursera, and edX offer tutorials and courses on almost any subject. Many libraries also provide free access to eBooks, audiobooks, and even online classes that can help you pick up a new skill.
Try Budget-Friendly Learning Apps
These days there are also loads of apps that you can download for free that can help you master a new skill. Apps like Duolingo are great for language learning while Skillshare is perfect for creative pursuits. Make sure you watch out for free trials or discounted subscriptions, these are often available in January.
Start Small
Choose hobbies that don’t require a big upfront investment to get started! For instance, drawing only needs a sketchpad and some pencils, while gardening can begin with just a few seeds and pots. Knitting or crocheting is another budget-friendly option, as all you need is a ball of yarn and a pair of needles to get going.
If you’re looking for something more active, running is a great sport to try on a budget. Simply throw on your trainers and get outdoors! Or, take it a bit slower with a brisk walk. Walking is a fantastic hobby that’s great exercise too. Walk with family & friends, or switch off on a solo walk.
Buy Second-Hand or Borrow
Start your new hobby without overspending by borrowing equipment from friends or family to test it out first! If you decide to commit, shop second-hand on platforms like eBay or Facebook Marketplace for budget-friendly deals. This is a great way to save money while still being able to enjoy your new pastime!
Join a Club or Community Group
Connect with others who share your interests by joining a club or community group. Places like community centres, museums, and libraries often host free or low-cost workshops. From pottery to coding, these sessions are great for beginners.
Many community groups offer shared resources, free lessons or even equipment rentals. For example, photography clubs often lend out cameras or organise free photo walks, making it easier to explore your hobby without a hefty upfront cost.
Look out for groups on Facebook that are involved in the skill you’re trying to pick up. You’ll probably be surprised to find there’s already a thriving community in your area that will be happy to help you out.
Stay Motivated Without Spending Money
Keeping up with resolutions can be challenging, especially when motivation starts to dip. The good news is that staying on track doesn’t have to cost a penny! These simple tips can help you stay focused and inspired throughout the year without stretching your budget.

Track Your Progress
Staying consistent becomes much easier when you can see your progress! Use free Habit Tracker apps to monitor your progress and keep yourself on track. Or, you could always use a simple journal, which can help you track milestones and reflect on your achievements. Creating a sense of accomplishment is key to staying motivated.
Find a Friend
Sharing your goals with like-minded friends or family members can work wonders! Having someone by your side to encourage you, celebrate your wins and hold you accountable adds a fun & social aspect to our journey! Plus, the more you enjoy the process, the more committed you will be.
Reward Yourself
You don’t need expensive rewards to celebrate your progress! Instead, choose small and meaningful treats to keep you on track, like a relaxing walk, movie night or delicious meal.

The Ultimate Guide to Birthday Freebies
Aug 27, 2025
Birthdays are all about surprises, candles, cakes and cards. But if you’re an avid online shopper like us, your birthday could come with more than just a ‘Happy Birthday’. Many of your favourite online stores offer birthday treats and freebies – but how can you take advantage? Celebrating your birthday in style takes some planning, […]

How to plan for life after GCSEs and A-Levels
Aug 1, 2025
Whether you’re a school leaver or finishing A-Levels, taking the next step can feel like a big one – especially when it comes to managing your money. Results day is just around the corner, and thousands of GCSE and A-Level students across the UK are waiting to find out what their next step might be. […]

The Best Ways to Buy and Sell Online in 2025
Jul 29, 2025
With the cost of living still high and more people thinking about sustainability, millions of us are turning to online marketplaces to save money or make a bit of extra cash. Buying and selling secondhand has never been more popular, and it’s easy to see why! In 2024, nearly 24 million Brits were using platforms […]

The Cost of Being a Wedding Guest in the UK
Jun 24, 2025
Weddings are brilliant – it’s a chance to dress up, catch up, and have a dance after a few glasses of fizz! But let’s be honest, being a guest isn’t cheap. According to recent stats, the average Brit spends around £451 per wedding, with some forking out closer to £700 when you add in things […]

The Best Supermarket Loyalty Schemes
Jun 9, 2025
With food prices still rising in 2025, UK shoppers are turning to loyalty schemes to cut the cost of their weekly shop. According to the ONS, grocery inflation is sitting at around 3-4% year-on-year, with the average household now spending over £33 per person per week on food, plus an extra £10 on eating out. […]

Which UK Theme Park Offers the Best Value for Money?
Jun 5, 2025
With the UK Summer Holidays fast approaching, theme parks are a go-to activity for families looking to have some fun this summer! But with rising prices and added extras, an exciting day out enjoying the rollercoasters can quickly become a pricey one. To help you get the most for your money, we’ve compared ticket prices, […]

How to Avoid Hidden Holiday Costs in 2025
Jun 4, 2025
Planning a holiday is exciting, but nothing dampens the mood quite like unexpected extra costs. Nearly a third of Brits have been caught off guard by surprise holiday fees – and it’s not hard to see why. Airline seats, checked luggage and airport parking can all add up quickly, turning what looked like a budget […]

How to Save Big on Train Travel in the UK
Jun 4, 2025
Train fares in the UK are climbing again in 2025 – but that doesn’t mean you have to pay full price. With the right Railcard, you could get a third off most ticket prices and save hundreds each year! Whether you’re a student, senior, family or someone who enjoys the odd weekend getaway – a […]

How to avoid the latest HMRC Scams
Jun 2, 2025
Tax season is here, meaning HMRC scams are back. This time of year is a hotspot for HMRC-related fraud, with scammers trying every trick in the book to get their hands on your cash – and they’re getting smarter! At NetVoucherCodes, saving you money is what we do – and that includes knowing how to […]

7 Ways to Avoid Expensive Home Repairs This Summer
May 29, 2025
Summer’s meant to be all about sunshine, garden parties and relaxing, not worrying about a surprise repair bill! But while we’re making the most of the warmer weather, our homes could be quietly building up costly problems without us even realising. Here at NetVoucherCodes, we’ve discovered 7 of the most expensive home nightmares that tend […]