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Please don’t call it New Year Resolutions – because that tag seems to have been jinxed with many never being able to achieve their resolutions. Instead call it your 2018 commitment to self. How about that?

Commit to making these six changes in 2018 for a better year:

Be more positive

There is so much negativity everywhere, but when you choose to see the positive in every situation, you’ll be shocked how your life seems filled with joy and happiness. Be intentional about your state of mind and what you dwell on in 2018.

Be realistic

Don’t allow yourself to live in a fool’s paradise. Realize that life is filled with good and bad. Choose to dwell on thoughts of the good but be realistic enough to make plans in case the scales tip and a little bit of bad happens.

Save and invest more

When there is a will, there is always a way. You can still earn the same amount and save a little more. It starts with a decision and a commitment to make it happen. A direct debit mandate can help you further stick firmly to that decision so that you don’t have to worry about forgetting to put aside that money. Let the future you envision for yourself and your loved ones be the motivation to save and invest more in 2018.

Love more

Have you noticed how emotionally liberating it is when you love more instead of hating? Life becomes more promising, people become more fun to stay around and your heart becomes lighter just by giving a lot more love.

Fight more

Giving up is the easiest thing in the world to do. How many times have you found yourself giving up on people, dreams, and goals in the past? In 2018, dare to fight more. Don’t let the fear of failing stop you. Let the fear of not trying fuel your fire.

Live more

You only live once, and you may as well make your life a masterpiece. Give your children the best education, live in the house of your dreams, invest in the dreams you care about, take vacations to destinations you love and enjoy life the best way possible.

Bottom-line: You can live life on your terms and make sure those you care about have a better lifestyle because of you. But you need a plan to make this possible. Now is the perfect time to draw up your blueprint for 2018.


Let us help you choose a plan for your 2018. Send us an email at or call 0700 CALL ARM for immediate assistance.


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Join the discussion 5 Comments


    These are good.As for me I issued a direct debt to Diamond Bank in favour of ARM,do you know that it was not effective? They did it for a few months and stop, maybe ARM network had problem and so I resulted to paying in cash every month.This was so discouraging.Any way all things being equal, I will try and save more in 2018.

    • ra-admin says:

      Hello Godwin,

      We will look into the issue with your direct debit. Please expect an email from us to get your details and cheers to saving more in 2018. We have great options you can also go for. Why not check our webshop for possibilities?


  • Ezzy says:

    Great Piece

  • Tunde says:

    Simple but quite factual and refreshing.

  • Godwin Etim William says:

    How can I have a savings account with you people??

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