The Keys - from Bank of England Mortgage
7 Steps To Increase Resolution Success

Have you set your 2023 goals yet? Research suggests that over 50% of people quit chasing their resolutions within the first month of the new year. Using these seven steps as a guideline for setting your 2023 resolutions will help you stay on track during the new year!

  1. Determine the primary purpose of your goal (become a healthier version of yourself, develop a new hobby, etc.)
  2. List desired results (lose weight, exercise more, find a productive way to spend otherwise wasted time, etc.)
  3. Set aside the time and resources needed to complete these goals
  4. Find something that motivates you, motivation is key. Once you’ve stuck to your goal for a small amount of time, reward yourself with something that will help motivate you to keep going (getting a new workout set, new shoes, a new book, that workout gear you’ve had your eye on)
  5. Decide if your resolution results are worth the time and effort - if not now, choose a more attainable goal
  6. Structure yourself for success - create appointments or other necessary actions to set yourself up for successful habits
  7. Make yourself accountable or choose an accountability partner. Find a system to track your progress that will also reward you with positive feedback!

With these steps in mind, remember it takes an average of 21 days (3 weeks) to set a habit, good or bad! After sticking with your goal for one month, you'll start seeing results. After two months, so will those around you. Don’t give up - this year is just beginning!


Buydown Loans

Fun Facts About January
  • The month of January was named for the Roman god Janus. Janus had two heads, symbolizing one head looking backward and one looking forward.
  • January originally had 30 days, until Julius Caesar added the 31st day.
  • Ellis Island opened on January 1st, 1892. Since the opening, over 20 million people have immigrated to the United States.
  • Alaska became a state on January 3, 1959
  • Some celebrities whose birthdays are in January include - Elvis Presley, Oprah Winfrey, Dolly Parton, Betty White, Justin Timberlake, Ellen DeGeneres, Bradley Cooper
Kids Activity - Word Search

Kids Activity- word search

Healthy Hot Chocolate

Healthy Hot Chocolate


  • 1 cup light coconut milk (from the can)
  • 1 1/2 cups unsweetened almond milk
  • 1/2 teaspoon vanilla extract
  • 2 tablespoons pure maple syrup
  • 2 tablespoons unsweetened cocoa powder (I use Ghirardelli’s 100% unsweetened cocoa powder)
  • Pinch of sea salt


Add all ingredients to a small pot and place over medium low heat. Whisk vigorously to combine and to get rid of any lumps of cocoa. Do NOT let the hot chocolate boil or you risk burning the almond milk, which can turn the flavor into something you do not want. Simply warm in the pot until steamy, about 3-5 minutes.

Once hot chocolate is hot, remove from heat and pour into 2 mugs. Top with whipped cream, dairy free whipped cream, marshmallows or vegan marshmallows. Chocolate shavings or a dusting of cocoa powder on top are fun too! Enjoy!

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Bank of England Mortgage is an Equal Housing Lender. Member FDIC

Bank of England Mortgage is a division of Bank of England. NMLS# 418481. Bank of England Mortgage is an Equal Housing Lender. Member FDIC. For informational purposes only. Results may vary.

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