1% Compounding Interest in Yourself for 2022

If we can manage to be 1% better every day then over the course of a year, we can be 37% better in the area that we are working to improve. This was an AHA moment for me in 2021 when I heard it in a talk at church. I had to research more to find the exact quote:

“I like to refer to habits as the compound interest of self-improvement, and the reason why I like that phrase is that, the same way that money multiplies through compound interest, the effects of your habits multiply as you repeat them over time…[If you can get just one percent better each day, so .01365, you end up 37 times better by the time you get to the end of the year.”James Clear: One Percent Better

This struck a chord with me, so I want to share in hopes that it will help others and cement things even more for me in 2022.

I learned about compound interest in college. The earlier you start investing, the more that it will payoff later in life for you. I was amazed at how much compound interest added up with even the smallest investment. When I heard about being 1% better, and it being like an investment in yourself, I knew that I could do it. 1% is small, but with compounding interest, the payoff can be huge. Since the investment is in you, it is even more motivating.


I can be 1% better everyday. My 1% is based on where I am now. You need to make realistic (small) goals that are concrete and measurable to fuel success. I wanted to work on being better about cleaning. My life is BUSY with a large family, homeschooling, virtual schooling, trying to fit in exercise, my business, meals, transportation to and from activities, etc. It adds up really fast, and there are literally only 24 hours in a day.

real life laundry happens
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if you don't stay on top of it, it falls apart-fast
more candid images from our "real life" img_0.462166546607203.jpg

Life is a balancing act and sometimes things fall by the wayside. Cleaning my house falls apart more often than I would like to admit, and more often than I am comfortable with. A lot of times, it gets pushed to the weekend. I want to change that, and I started trying to make 1% improvements in this area last year (since it is officially 2022 now). I am not a 100% cleaner, so 1% doesn't have to be a lot in order for me to achieve 1%.

I decided that I can spend a few minutes cleaning, and that would be an easy, measurable goal that could equate to 1% more for me. It all adds up. Getting in the habit of looking for ways to check off my 1% goal for the day has often resulted in me doing more cleaning than I had originally wanted or planned to do. It is getting easier, and I plan on continuing this into 2022.

surprise mini-cleanup at my in-law's house

before img_0.5367372701284537.jpgafterimg_0.22165961614340696.jpg

There is always room for improvement. We can always progress. We are multi-faceted beings and working on one part of yourself will improve your whole self.


Your 1% today will not be your 1% 6 months from now because you will have grown and progressed. What are the 1% efforts that you can to do grow your investment in yourself? That is what I am working on for 2022. I hope it helps you too.

Thanks for another good prompt for the weekend engagement @galenkp. Thanks for making me think and put those thoughts down on "paper."


I enjoyed James Clear's book, Atomic Habits. He talked about the British cycling team incorporating a 1% improvement every day. It's a great concept. I also like how ideas of automating processes, like rinsing your dish and putting it on the dishwasher immediately after clearing it so that at the end of the day, you just add the detergent and start it up... it's just hard to go from dropping the dish in the sink to rinsing it in the moment instead of waiting until later...

I don't know what to expect for this new year. Currently, I'm expecting to work too much and to be too busy lol, but I'll be trying to automate more this coming year. I've got some tricks up my sleeve 😉

Maybe ,I will go and read his book. I like his way of thinking about the 1%, and if there is a whole book with more good info-I may need to being myself to read it. Typically, I don't do much with "self-help" books. I am better at self help snippets.

It's a great audible to listen to during a run or bike ride in my opinion. It's even awesome on a road trip over 10 hours... it's good for the kids, too. He teaches not to set goals, but to create systems... like change your routines to match the habits of those of the kind of person you want to be... great mindset alterations...

Improving and investing in ourselves is probably the best thing we can do, last year has also been a game changer for me, trying to improve everyday and be better than I was yesterday, only comparing myself to me, raising my values and focusing on me.

Cleaning apartment was also one of my ways I started the day right. Improvements and growth helps us make a better world out there and live in the moment.
Thank you for sharing and keep up the good work


That is so good to hear. I have been trying to start the day with at least making my bed. We were in a hurry today and I didn't do it. Now, I feel unfinished. I can feel the difference. That is a good things. It means I have been making changes and not just completing tasks. I hope you have experienced the same.

Bed is exackly where I started my journey of improvement! Wow I can totally relate to your anwser.

It means I have been making changes and not just completing tasks.

Yes! I feel exackly the same when I steer off my path to goals and achievements, few tiny slips make me feel unfinished and unsatisfied, but without any extra pressure, because new days when I do everything as planned and complete, the full experience of positive energy and good feeling from it is a true reward and want to do it again and again, because it feels and I know that is good for me/us/ everyone :)

It's been very nice meeting you!


Tha I you so much! I agree with you, and I look forward to more interactions in the future.

That’s awesome! Im definitely excited to cross of some of my goals on my list this year (one will be cleaning more lol). 2022 here we come!!!! 😆

How are you doing with it? It is getting easier for me as the days go by!

Yes I’m getting happier and my room is mostly always tidy!

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