8 amazing opportunities in 2020 to not miss

1. Reconsider attitudes towards health

You can learn to lead a healthy lifestyle on your own, without the involvement of specialists and trips to fitness centers. Go in for sports - online, at home or in nature with the help of video training. Eat right - by preparing tasty and healthy meals at home or ordering them in a food delivery service (yes, there is not only harmful and fatty fast food there).

To take healthy lifestyle to the next level, use gadgets:

• smart watch to track activity and calories burned;
• smart scales to track weight dynamics and biometrics, including fat, muscle and water percentages;
• a kitchen scale to weigh ingredients for recipes and monitor the ratio of proteins, fats and carbohydrates;
• exercise equipment for sports.

2. Reduce loan payments

Refinancing is a simple action that will help you save a lot of money in the long run. And it will be pleasant to spend it on vacation, education, purchase of some equipment.

There is a reason for refinancing: the Central Bank has lowered the rate to the lowest value in the history of Russia. Therefore, if you took out a loan, for example a mortgage, several years ago, now is the time to recalculate it and save money.

3. Learn something new

You have long dreamed of learning French, learning to cook, knit, paint, play the guitar or dance Vogue - now is the time. If your city does not have suitable courses or good teachers, do not worry: any lessons can be found on the Internet - free on video hosting sites or paid from online tutors.

By the way, a new hobby can be monetized, for example, baking and selling homemade cakes or making up websites for money. And this is a reason to think about changing your profession if the work is no longer pleasing.

4. Get online education

It is possible to get a full-fledged profession or improve your qualifications on the Internet. Courses at online universities teach remotely web design, analytics, SMM marketing, motion design and dozens of other modern specialties.

And if you are already satisfied with your work and do not want to spend several months mastering a new one profession, you can listen to lectures on interesting topics on special platforms just to expand horizons.

5. Fight bad habits

Healthy lifestyle and awareness in fashion. It's time to make a list of what prevents you from getting the most out of life and get rid of it. Bad habits are not only things that negatively affect your physical health: smoking, poor sleep patterns, overeating. These are also special patterns of behavior that violate your psychological comfort and spoil relationships with others. For example, the tendency to compare oneself to others, to procrastinate, to buy unnecessary things, to reschedule important meetings at the last moment.

To gradually wean yourself from doing this, start a habit tracker: download the mobile application, print it out, or just put a checkmark in the calendar. Every day, when you refrain from impulsive buying or procrastination, mark in the tracker with any sign you like. This simple step will helpHow Checklists Train Your Brain To Be More Productive And Goal-Oriented do not break loose and reach the end.

6. Travel in Russia

While most of the borders are closed, you can spend your holidays exploring different parts of the country. There is something to be surprised at in Russia: beautiful architecture, for example, in Kazan and St. Petersburg, amazing nature of Siberia and the Urals, places with a rich history like Rostov the Great, Kaliningrad and Vyborg.

And if you don't want to travel outside your region, get to know better your hometown or neighboring settlements. You will surely find many places that you want to explore in more detail.

7. Spending time with loved ones

Trips to nature or home gatherings with friends, dinners with parents - we all missed simple human communication. And it's a good alternative to a boring weekend that you regret being spent aimlessly. So next time, instead of lying on the couch with a laptop or watching TV, call your loved ones and make an appointment. It is not necessary to go somewhere: you can watch a movie in the company of your home.

8. Learn Smart Saving

Smart savings is a concept that can be described as follows: you spend money only on your own needs, without spending too much on unnecessary things, products or services. For example, you subscribe to an online movie theater and watch as many movies as you want, rather than buying a disc or digital copy of one. Or instead of buying and maintaining a car, you use car sharing to get from one point to another. That is, you give money for moving, not for a thing.

Smart savings helps you manage your budget wisely, protect yourself from unnecessary problems, and ultimately become happier.

Some large purchases are, of course, difficult to refuse. For example, from your own home. After all, paying utility bills and mortgages (if an apartment is borrowed) is usually not much different from the cost of renting a similar premises. But you can also save on such purchases - by choosing favorable credit conditions or by refinancing an existing loan.