When I was young I always wanted to go grocery shopping with my mom, to spend time with her and so I could get all the delicious things. Back then a dozen of eggs would cost $0.80. I even remember walking to the corner dairy drive thru to purchase dairy essentials for the upcoming week, at a very low affordable cost.Read More
First and foremost, congratulations on this step in your business! I know it can be a big step, but it will be so worth it! Having a website that does more than just say what you do, but also shines your personality and highlights your service or product in an effective way, is so beyond worth it!Read More
If you’re wondering whether or not you should sign up for Amazon Prime or Costco—or both!—I’m happy you’re thinking about your budget. Recurring expenses, like subscriptions and memberships, are often the biggest budget busters. But unlike the Hulu subscription you may have forgotten about, Amazon Prime and Costco memberships are not as forgettable.
Make sure that when you create your financial goals they are S.M.A.R.T!
Specific: Make sure to be as specific as possible. Include the who, what, where, when why, and how in this step. Write this down and post it somewhere you will see it everyday.Read More
The Most Common Budget Busters & Tips for Avoiding Them
Creating a budget is no small task. In fact, it’s hard work and takes consistent dedication. This is why it’s important for me to educate my clients (and you!) on the kinds of distractions that can derail all that hard work.
Let’s be honest, it’s easier than ever to spend money these days. You don’t even have to carry a wallet! While technology has provided a more convenient way to shop, it can also be detrimental to our financial behavior. I’ve compiled a short list of common things to avoid when you’re creating and sticking to a budget. My hope is that you can find some room in your budget to save towards your bigger goals. You’ve got this!
If you’ve read some of my other blog posts about creating a budget, then you know that I can’t stress enough the importance of maintaining your budget. Too often I see people spending valuable time creating their budget, and then going about their month and completely forgetting about it. It’s not surprising when they look at their final numbers for the month and realize they’ve overspent.
A comment I received in direct messages recently reminded me just how scary finances can be for a lot of people. This particular message said that it’s just too much of a commitment to develop and create a budget. In fact, this person went so far as to say, “Why can’t I just continue to live in financial ignorance?” I think a lot of people feel this same way! Many people would rather not know how much they’re spending every month because it’s easier than knowing.Read More
November tends to set the tone for the holiday season for me. You bet I already started watching Christmas movies! Some of my favorite Christmas movies include Elf, The Polar Express, How The Grinch Stole Christmas, and any other Holiday movie available on Netflix! Enjoying a cozy night in during the Holiday season helps with budget relief too. I do not have to worry about spending money going out to the movies, or eating out, because all of that can be done in the comfort of my home. I started my holiday baking too; by finding ingredients in my cupboard, searching those ingredients into Google, and making it my own by adjusting according to what I have on-hand.Read More
Would you know the answer to the question: Do you live below your means?
Earlier this week I was listening to a podcast where they were talking about how it is culturally acceptable to spend, spend, spend! Buy that new widescreen/flat screen/3D Screen TV! Buy the newest car! Buy that new piece of electronics! Buy the latest and greatest fashion line! Living within this culture where we are conditioned to overspend beyond our means, will allow us to do just that with seemingly no repercussions.Read More
In the frugal spirit of the upcoming holidays, I wanted to interrupt nonprofit blog series, to bring you insights from my one and only mother! Around the holidays I just absolutely love love love all of the deals and discounts available. In my thoughtful nature, I am already thinking of my family when I am shopping, but, I can't help but get heart eyes when I walk past the new styles and wonderful store sales. I have been known to buy myself a Christmas present (or two) every year as it seems that I convince myself that another discount or offer will not arise! Which, by the way, is absolutely not true. Deals and discounts come around OFTEN!Read More