Financial Tip Friday! – Financial Diet

financial-diet

Just like you can’t lose weight if you take in more calories than you burn, you can’t reach your financial goals if you consistently spend more than you make. 

Happy Friday!

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Brand new goals!

I love setting goals and creating new projects for myself, if you haven’t noticed. Now that the grad party is over and there’s no more planning involved as far as that goes, I can turn my attention to something else.

Sam and I have been trying not to eat out as much as we do. 1) to save money and 2) to lose weight and get healthy. I’m not the best cook. I’ll be the first to let you know and I’m sure Sam will be the second  – haha!.. I come from a family of really awesome women that can cook their booties off but I guess I never paid attention enough and I definitely regret that now. I really want to get into meal planning and learning new recipes.  And when I say “new recipes” I mean ANY recipes at all. Unless we’re talking about grilled cheese. I can make a mean grilled cheese. Anyways, I purchased a few magnetic notepads on Friday that I think will help me stay organized while I try and figure everything out.

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The plain notepad on the side is for any food items or whatever that I need to pick up from the store and the notepad on the right side is for our meal planning. This way we can plan and decide what we’re having from week-to-week.

I need help, though! Gimme some tips, tell me some tricks, send me some recipes, or whatever you got! Help ya girl out, people!

Happy Sunday! Hope everyone had a good weekend.

Setting and Accomplishing Financial Goals!

set and reach goal concept

Setting and accomplishing goals are so important. They boost your confidence and improve your overall attitude. Setting goals and following through can be difficult so I thought I’d let you all know how I go about setting goals and trying to accomplish them.

Figure out what your goals are. Sit down and REALLY take time to think about it. Also, include your family in on your thinking process. You know what they say, “family knows best”… sometimes. Give yourself a realistic time frame to achieve these goals. Your short-term goals may take you 1-2 years or even 5 years to complete. Don’t get discouraged because time flies! Once you figure out what it is that you want to accomplish and when, the next step is to make a list of things you’re going to need to give up in order to get there. You may need to cut down on yearly vacations and just go every other year. Or it may be something as simple as not going out to eat multiple times a week. Whatever it is that you need to give up, list it below your goal.

Some of the things you need to give up my affect your family so make sure you talk to them about it. If you have children, explain to them that accomplishing goals are important and sometimes giving up certain guilty pleasures will help accelerate you to your goal. Younger children may not understand so cut back on family events that cost a lot of money like going to the movies, which all of a sudden costs an arm and a leg! When I was growing up it was like $5.50 to go see a movie and now it’s $10-$12 and if you’re a senior citizen, that’ll save you, what, $.25? Woopty-doo! And don’t even get me started on the price of 3D movies! Just because you spent $500 million making the movie Avatar, James Cameron, doesn’t mean you can charge us the same price just to go see it. Sorry for the randomness! Anyways, instead of taking the family to the movies have a movie night at home with a $1 red box movie and some good old fashion Orville Redenbacher. When the weather gets nicer check around your area to see if there’s any outdoor movie theaters or drive-ins. Also, summer is theme park season and the price of admission gets crazier every year. Kids always want to go multiple times but let them know that they can only go once or twice this summer and tell them to choose wisely.

Lastly, you’re going to need to review and re-prioritize your goals regularly. There’s going to be unavoidable setbacks. Also, some of your goals may seem unimportant after awhile so replacing one goal for another is not a big deal as long as you keep working towards something.