7 ways to stick to your New Year's resolutions

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1. Get specific
Abstract goals are hard to reach - a systematic guide is what will get you there. Decide what your goals are, whether they are to lose weight, explore a hobby or spend more time with family; then, write them down and decide on practical ways to start implementing them. "For example, deciding to lose weight gained during the festive season is great, but depending on your personal circumstances, you then need to commit to, for example, two strength sessions and at least an hour of cardio a week to get you there," says Raleigh.

2. Check your scheme benefits

Read up about what benefits your medical scheme offers so that you can maximise your cover. "Find out at the beginning of the year what tests you should do to prevent falling seriously ill later on in the year and exhausting your benefits," says Edwards "Most plans cover preventative tests and screenings, putting you on the right foot from the get go."

3. Make it a date

Exercise is an important element of staying fit - both mentally and physically. However, often life simply gets in the way of a healthy exercise regime. "If something really is important to you, pencil it in. Rather than thinking 'I'll try exercise today', prioritise it with your other non-negotiable goals," adds Raleigh. "Exercise sessions need to be scheduled just like every other appointment."

4. Homemade is best

Preparing your own meals is one of the best opportunities for saving money and making healthier food choices, continues Raleigh. "Make meals in bulk if you're short on time: savoury mince, a roast chicken or one pot dishes like stews and curries all extend well past just one serving. You then have the power to swap your oil, processed ingredients and refined carbohydrates and fats for healthier alternatives, adding in fresh ingredients as well." She suggests cleaning out your cupboards and restocking your kitchen with only user-friendly, healthy ingredients.

5. Take up a new sport

It may seem daunting, but try out a new adventure sport. Not only will it provide a good physical work out, but mental too. Whether it is mountain biking, touch rugby or diving, make sure though that your medical scheme covers any injuries inflicted from professional or extreme sports.

6. Unplug and unwind

Our reliance on multiple electronic devices means we are on call every waking moment. "Not only can this amplify existing stress, it can prevent us from being fully present in other tasks and affect our quality of sleep," says Raleigh. "If regular breaks from your devices are impossible, try a wind down routine before bed." She suggests switching off all TVs and laptops at least an hour before sleep, keeping light levels low and warm in colour."

7. Bring back the balance

Eating, exercising, sleeping and relaxing are all essential for beating stress and staying healthy. "Starting off the year on a healthy footing means fewer doctors' visits and less chance of depleting your medical savings before the end of the year," concludes Edwards. "Choosing a medical scheme that empowers you to manage your health properly is one step closer to making sure you stick to your resolutions."