Preparing for a Debt-Free Summer

Summer is a season of sunshine, adventure, and well-earned relaxation. But for many, it can also bring financial strain—vacations, social events, and increased spending can quickly add up, leading to unexpected debt. The good news? With a little planning and intentional financial stewardship, you can enjoy a fun-filled summer without breaking the bank.

1. Set a Summer Budget

Before summer kicks into high gear, take time to create a budget that accounts for seasonal expenses. Include categories such as travel, dining out, entertainment, and kids’ activities. By setting spending limits in advance, you’ll be more mindful of where your money is going and avoid unnecessary debt.

2. Start a Summer Savings Fund

A little preparation now can go a long way in keeping you financially stress-free later. If you haven’t already, start setting aside money for summer expenses. Even small, consistent contributions to a dedicated “summer fund” can help cover costs without relying on credit cards.

3. Plan Cost-Effective Fun

Who says summer fun has to be expensive? Explore free or low-cost activities such as hiking, beach days, community events, and backyard barbecues. Many cities offer free concerts, outdoor movie nights, and festivals—take advantage of these opportunities to create memories without spending a fortune.

4. Travel Smart

If summer travel is on your agenda, look for ways to cut costs. Book flights and accommodations early, use rewards points, and consider alternative lodging options like vacation rentals or home exchanges. Road trips can also be a budget-friendly alternative if planned wisely.

5. Reduce Unnecessary Expenses

Take a close look at your current spending habits and identify areas where you can cut back. Can you reduce dining out and cook more meals at home? Are there subscription services you no longer use? Trimming excess expenses will free up extra funds for summer fun.

6. Avoid the Buy-Now, Pay-Later Trap

Tempted by buy-now, pay-later offers? While these options may seem convenient, they can lead to hidden debt accumulation. Stick to purchases you can afford upfront and avoid financing summer splurges that could haunt you later.

Final Thoughts

A debt-free summer is possible with the right planning and financial discipline. By budgeting ahead, cutting unnecessary costs, and embracing affordable fun, you’ll set yourself up for a season of enjoyment and financial peace of mind.

Start preparing today, and let this summer be one of financial freedom and joyful experiences!

5 Investing Myths That Are Costing You Money

Investing can feel intimidating, especially with all the misinformation floating around. Many people miss out on growing their wealth simply because they believe common myths that hold them back. Today, we're debunking five of the biggest investing myths that might be costing you money.

Myth #1: You Need a Lot of Money to Start Investing

One of the biggest misconceptions about investing is that you need thousands of dollars to get started. The truth? You can begin with as little as $10! Many brokerage accounts allow fractional investing, meaning you can buy a small portion of a stock or fund rather than an entire share. Robo-advisors and apps also make it easy to start investing with small amounts. The key is to start early and be consistent—compounding interest does the heavy lifting over time.

Myth #2: Investing Is Too Risky

Yes, investing involves risk, but keeping your money in a savings account where it barely earns interest carries its own risk—losing purchasing power due to inflation! The key to managing risk is diversification. Spreading your money across different investments (stocks, bonds, index funds) reduces exposure to any one asset’s downturn. Additionally, long-term investing tends to smooth out short-term market volatility, increasing your chances of positive returns.

Myth #3: You Need to Be an Expert to Invest

If you think you need a finance degree to invest, think again. With today’s technology, investing has never been more accessible. Automated investing platforms, index funds, and ETFs (Exchange-Traded Funds) allow you to invest passively without deep market knowledge. If you’re willing to learn the basics—like understanding asset allocation and risk tolerance—you can confidently grow your wealth over time.

Myth #4: Timing the Market Is Key to Success

Many people believe they need to buy low and sell high at the perfect moment to make money. However, even professional investors struggle to consistently time the market. Instead of trying to predict market highs and lows, focus on time in the market rather than timing the market. A simple strategy like dollar-cost averaging—investing a fixed amount at regular intervals—helps you take advantage of market fluctuations without the stress of perfect timing.

Myth #5: You Need to Pick Individual Stocks to Make Big Returns

Sure, some investors strike it rich by picking the right stock at the right time. But for most people, trying to pick winning stocks is more like gambling than investing. Instead, investing in index funds or ETFs offers broad market exposure with less risk. These funds track major indexes like the S&P 500, providing solid, long-term returns with much less effort and stress.

Final Thoughts

Believing these investing myths can hold you back from building wealth and achieving financial freedom. The reality is that you don’t need a fortune, expert knowledge, or perfect market timing to be successful. What you do need is to start, stay consistent, and focus on the long game. The sooner you begin, the more time your money has to grow!

Ready to take the first step? Check out our recommended investing resources and tools to get started today!

The Ultimate Guide to Saving for Your Dream Vacation

Taking a dream vacation isn’t just about picking a destination—it’s about planning ahead so you can enjoy your trip without financial stress. Whether you want to relax on a tropical beach, explore historic cities, or embark on an adventurous road trip, the key to making it happen is intentional saving.

With the right strategy, you can set aside money for your trip without going into debt. Here’s your ultimate guide to saving for your dream vacation!

1. Define Your Dream Vacation

Before you start saving, you need a clear vision of what your trip looks like. Ask yourself:
✅ Where do you want to go?
✅ How long will you stay?
✅ What type of accommodations will you need?
✅ What activities and experiences do you want to include?

Once you have a plan, research estimated costs for:

• Flights or transportation

• Lodging

• Food and dining

• Excursions and entertainment

• Souvenirs and shopping

• Travel insurance and emergency funds

Total these amounts to get your savings goal—this is the number you’ll work toward.

2. Set Up a Dedicated Vacation Fund

To keep your travel savings separate from daily expenses, open a dedicated savings account for your vacation. Look for a high-yield savings account that earns interest while you save.

Consider naming it something fun like “Hawaii 2025” or “European Adventure” to stay motivated!

💡 Bonus Tip: Automate transfers into this account each payday to make saving effortless.

3. Break It Down Into Manageable Goals

Instead of feeling overwhelmed by a large number, break your savings goal into smaller, achievable milestones.

For example, if your trip costs $3,000 and you want to go in 12 months, you’ll need to save:

• $250 per month

• $58 per week

• $8.33 per day

Seeing the daily or weekly breakdown makes it feel much more doable!

4. Cut Unnecessary Expenses & Redirect Savings

Find ways to free up extra cash by making small changes to your daily spending. Some easy ways to cut back:

• Skip eating out one night a week and put that money into your vacation fund.

• Pause unused subscriptions and direct those savings toward your trip.

• Make coffee at home instead of grabbing it on the go.

• Plan a "no-spend" challenge for a week or month and put the savings aside.

Even small adjustments can add up fast when you’re saving for something exciting!

5. Earn Extra Money Specifically for Your Trip

If your current budget is tight, consider side hustling or finding creative ways to bring in extra cash:
💰 Sell unused items (clothes, electronics, furniture)
💰 Take on a part-time side gig (freelancing, babysitting, Uber, DoorDash)
💰 Rent out a room or space (Airbnb, storage rental)
💰 Use cashback rewards or rebates (Rakuten, Ibotta, credit card rewards)

Put every extra dollar directly into your vacation fund to reach your goal faster.

6. Enjoy Your Debt-Free Vacation!

The best part of planning ahead? You get to fully enjoy your trip without financial stress! No returning home to a pile of credit card debt—just amazing memories and the satisfaction of knowing you paid for your dream vacation the right way.

So, where will your savings take you next? 🌍✈🏝

💡 Want More Money Tips? Check out our resources on budgeting, saving, and crushing debt at I Was Broke. Now I’m Not!

How to Build a Healthy Relationship with Money

For many people, money is a source of stress, frustration, or even fear. But what if your relationship with money could be healthy, balanced, and empowering? Just like any important relationship in life, your financial well-being depends on trust, discipline, and intentionality. Here’s how you can develop a strong and positive relationship with money that will serve you for years to come.

1. Change Your Money Mindset

Your thoughts about money impact the way you handle it. If you’ve ever caught yourself saying, “I’ll never get ahead,” or “I’m just bad with money,” it’s time for a mindset shift. Instead of seeing money as an obstacle, view it as a tool that can help you achieve your goals.

• Replace negative money beliefs with positive truths: “I am capable of managing my money wisely.”

• Focus on financial growth instead of past mistakes.

• Celebrate small wins to reinforce good money habits.

When you shift your perspective, you empower yourself to take control of your finances with confidence.

2. Give Every Dollar a Purpose

A healthy financial relationship starts with a plan. Instead of wondering where your money went, tell it where to go! This means creating a budget that reflects your priorities and goals.

• Track your income and expenses – Know exactly how much you earn and where it’s going.

• Align your spending with your values – Spend intentionally on things that truly matter.

• Use a system that works for you – Whether it’s a digital app or an old-fashioned spreadsheet, find a budgeting method that fits your lifestyle.

  When you take charge of your money, you’ll feel more in control and less anxious about financial uncertainty.

3. Avoid Toxic Money Habits

Just like in any relationship, unhealthy patterns can lead to trouble. Identifying and breaking bad financial habits is essential for long-term success.

• Impulse spending – Pause before making unplanned purchases. Ask, “Do I really need this?”

• Relying on credit cards for emergency expenses – Build an emergency fund to avoid debt dependency.

• Ignoring financial responsibilities – Stay on top of bills, debt payments, and savings contributions.

By eliminating these toxic habits, you create a stronger, more secure financial future.

4. Build a Strong Financial Foundation

A healthy financial relationship isn’t about perfection—it’s about progress. Strengthen your foundation by prioritizing:

• Saving for emergencies – Aim for at least 3-6 months of expenses in an emergency fund.

• Paying off debt – Use the Debt Snowball or Debt Avalanche method to eliminate debt and reduce financial stress.

• Investing in your future – Contribute consistently to retirement accounts and other investments.

Taking these proactive steps ensures long-term stability and security.

5. Be Generous and Grateful

A truly healthy relationship with money includes generosity. Giving not only benefits others but also reinforces an abundance mindset. Whether it’s tithing, donating to charity, or helping someone in need, generosity strengthens your connection with money in a meaningful way.

At the same time, practicing gratitude for what you have—rather than always striving for more—brings contentment and peace. Recognizing your financial blessings helps you steward your money wisely.

A Relationship Worth Investing In

Your financial journey is just that—a journey. By shifting your mindset, budgeting intentionally, eliminating harmful habits, building a strong foundation, and practicing generosity, you can develop a healthy relationship with money that leads to freedom and joy.

At I Was Broke. Now I’m Not, we’re here to equip you with the tools you need to take control of your finances and experience financial peace. Are you ready to strengthen your financial future? Let’s take the next step together!

Spring Cleaning Your Finances: A Fresh Start for Your Money

As the flowers bloom and the days get longer, spring is the perfect time for a fresh start—not just for your home, but for your finances, too! Just like you declutter your closets and deep-clean your living spaces, your financial life can benefit from a seasonal reset. Here are four key ways to "spring clean" your finances and set yourself up for success in the months ahead.

1. Declutter Your Budget

Over time, spending habits shift, and small expenses can creep in without you even noticing. Now is the time to go through your budget and trim the unnecessary. Ask yourself:

• Are there any subscriptions or memberships you no longer use?

• Have your grocery or dining-out habits changed?

• Can you negotiate a lower rate on insurance or utilities?

Review your spending from the last few months and identify areas where you can cut back or reallocate funds toward your financial goals.

2. Organize Your Debt Payoff Strategy

If you have debt, take this opportunity to revisit your payoff plan. Consider:

• Paying off the smallest balance first (Debt Snowball method) for quick wins

• Tackling the highest interest rate first (Debt Avalanche method) to save more in the long run

• Consolidating or refinancing debt to secure better terms

Making adjustments to your strategy now can help you stay motivated and accelerate your progress toward financial freedom.

3. Refresh Your Savings Goals

Life changes, and so do your financial priorities. Take time to reassess your savings goals:

• Is your emergency fund where it needs to be?

• Do you have upcoming expenses (vacations, home repairs, back-to-school costs) that need funding?

• Are you consistently investing for the future?

Set up automatic transfers to ensure you're consistently saving, and consider opening a high-yield savings account to maximize your returns.

4. Dust Off Your Financial Records

Just like you clear out old paperwork at home, take time to organize your financial records:

• Shred outdated documents you no longer need

• Digitize important files for easy access

• Ensure your will, insurance policies, and beneficiary designations are up to date

This is also a great time to review your tax situation and make any necessary adjustments to withholdings or estimated payments to avoid surprises next year.

Start Fresh This Spring

Spring cleaning your finances might not be as satisfying as organizing your pantry, but the benefits last much longer! By decluttering your budget, organizing your debt, refreshing your savings, and tidying up your financial records, you’ll set yourself up for a strong and stress-free financial future.

Need help making a plan? I Was Broke. Now I’m Not has the tools and resources to help you take control of your money and live with financial confidence. Let’s make this season the start of something great!

Is Your Spending Out of Control? Here’s How to Budget and Save Smarter

Have you ever looked at your bank account and wondered, “Where did all my money go?” If your spending feels out of control, you’re not alone. Many people struggle to strike a balance between enjoying life and staying on top of their finances. The good news? You can regain control with practical steps to budget and save smarter.

Step 1: Identify Where Your Money is Going

Before you can fix your spending, you need to understand it. Spend some time reviewing your bank and credit card statements from the past three months. Categorize your expenses into needs (housing, utilities, groceries) and wants (eating out, entertainment, subscriptions). Seeing the numbers in black and white can be an eye-opener.

Step 2: Create a Realistic Budget

Budgeting doesn’t mean depriving yourself; it’s about allocating your resources wisely. Follow the 50/30/20 rule as a starting point:

• 50% for needs

• 30% for wants

• 20% for savings and debt repayment

Use a budgeting app or a simple spreadsheet to track your progress. Adjust the percentages as needed to fit your unique situation.

Step 3: Set Financial Goals

What are you saving for? Whether it’s a dream vacation, paying off debt, or building an emergency fund, having clear goals makes it easier to stick to your budget. Write down your goals and assign a timeline to each one. For example, “Save $1,000 for an emergency fund within three months.”

Step 4: Automate Your Savings

Out of sight, out of mind. Automating your savings ensures you’re consistently putting money toward your goals. Set up automatic transfers to a separate savings account each payday. Start small if needed—even $20 per paycheck adds up over time.

Step 5: Cut Back Without Feeling Deprived

Look for ways to reduce spending on wants without sacrificing happiness. For instance:

• Cook at home: Swap one restaurant meal per week for a homemade dinner.

• Share subscriptions: Split streaming services with family or friends.

• Shop smarter: Use coupons, cashback apps, or shop during sales.

Step 6: Plan for Fun

Budgeting doesn’t have to mean giving up fun. Include a “fun fund” in your budget for guilt-free spending. Knowing you have money set aside for enjoyment can prevent impulse purchases and overspending.

Final Thoughts

Taking control of your spending doesn’t happen overnight, but with intentional steps, you can turn things around. Remember: Every small step you take today brings you closer to the financial freedom you deserve.

If you’re ready to dive deeper into budgeting and saving strategies, check out our resources and tools at I Was Broke. Now I’m Not. Let’s get started on your journey to smarter spending and saving!

Wants vs. Needs: How to Balance Spending and Saving Without Feeling Deprived

Balancing spending and saving can feel like walking a tightrope. Too much focus on saving, and you might feel like you’re missing out on life. Too much spending, and your financial goals may slip further and further away. The key to harmony lies in understanding the difference between wants and needs and crafting a strategy that allows for both. Let’s explore how to strike this balance without feeling deprived.

Defining Wants vs. Needs

At its core, a “need” is something essential for survival and basic well-being. These include housing, food, transportation, utilities, and medical care. “Wants,” on the other hand, are non-essential items or experiences that enhance enjoyment or convenience—think dining out, vacations, entertainment, and that latest gadget.

While this distinction seems straightforward, the lines often blur. For example, while food is a need, ordering takeout or dining at a fancy restaurant falls under a want. Recognizing these nuances is the first step to creating a balanced financial plan.

1. Audit Your Spending

Start by tracking your expenses for a month. Categorize each expense as a want or a need. Be honest with yourself! This exercise helps you see where your money is going and identify areas where you may be overspending on wants.

2. Prioritize Your Needs

Once you’ve identified your needs, ensure they’re adequately covered in your budget. This means setting aside money for rent, utilities, groceries, and other essentials before allocating funds elsewhere. Use tools like the 50/30/20 rule, which suggests:

• 50% of your income for needs

• 30% for wants

• 20% for savings and debt repayment

3. Budget for Guilt-Free Spending

Deprivation leads to burnout. To avoid this, create a budget that includes room for discretionary spending. Knowing you have money set aside for fun allows you to enjoy your wants without guilt or derailing your savings goals.

4. Automate Savings

Set up automatic transfers to your savings or investment accounts. Treat your savings as a non-negotiable “need” to ensure you’re consistently working toward your financial goals. Automating this process removes the temptation to spend money earmarked for savings.

5. Celebrate Small Wins

Acknowledging progress is crucial for staying motivated. Celebrate milestones like paying off debt, reaching a savings goal, or sticking to your budget for a month. Rewarding yourself (within reason) reinforces positive habits and makes the journey more enjoyable.

Conclusion

Balancing wants and needs is not about strict denial or indulgent spending; it’s about creating a plan that honors your goals and values. By auditing your expenses, prioritizing needs, budgeting for wants, and automating savings, you can enjoy a fulfilling life today while securing your financial future. Remember, it’s not about perfection but progress—so give yourself grace as you navigate this journey toward financial well-being.

What to Do When You Feel Stressed About Finances: Finding Peace Through Faith

Financial stress can feel overwhelming. It might keep you awake at night, dominate your thoughts during the day, and leave you feeling uncertain about what to do next. As followers of Christ, we are not immune to these challenges, but we have a unique source of hope and guidance: God’s Word.

When you’re feeling stressed about finances, here’s a biblical approach to finding peace and practical solutions.

1. Bring Your Worries to God in Prayer

The first and most important step is to turn to God. Philippians 4:6-7 reminds us,
“Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.”

When financial stress begins to weigh you down, take time to pray. Be honest with God about your fears, frustrations, and needs. Trust that He hears you and desires to give you peace, even in uncertain times.

2. Trust in God’s Provision

It’s easy to feel like financial problems are entirely on our shoulders to solve, but the Bible reminds us that God is our ultimate provider. Matthew 6:26-27 says,
“Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? Can any one of you by worrying add a single hour to your life?”

This doesn’t mean we should ignore our financial responsibilities, but it reminds us to trust that God is faithful and knows our needs.

3. Seek Wisdom and Clarity

Proverbs 3:5-6 teaches,
“Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to Him, and He will make your paths straight.”

Begin by seeking God’s wisdom. Spend time in His Word and reflect on verses about stewardship and provision. Then, take practical steps to understand your financial situation:

• Write down your income, expenses, and debts.

• Evaluate where you might need to cut back or make changes.

• Set clear financial goals that honor God and reflect His priorities.

4. Be a Faithful Steward

Everything we have belongs to God. Psalm 24:1 reminds us,
“The earth is the Lord’s, and everything in it, the world, and all who live in it.”

As stewards of His resources, we are called to manage them wisely. This includes creating a budget, avoiding unnecessary debt, and saving for the future. Start with small, consistent actions to bring your finances under control.

5. Practice Generosity, Even in Stress

When money is tight, giving might feel impossible. But the Bible encourages us to trust God with our resources, even in difficult times. Malachi 3:10 says,
“Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.”

Generosity shifts our focus from scarcity to abundance. It’s a reminder that God is in control, and it invites Him to work in miraculous ways.

Finding Peace Amid Financial Stress

Financial stress is real, but so is the peace and provision of our Heavenly Father. By turning to God, seeking wisdom, and taking faithful steps, you can navigate financial challenges with hope and confidence.

God is with you in this journey, and His grace is more than enough to sustain you.

If you’re feeling stuck and need practical tools to manage your finances, check out our free resources and guides to help you budget, save, and give with confidence. Let’s walk this journey together!

Are You Spending Wisely? 7 Tips to Make Every Dollar Count

Do you ever feel like your money disappears faster than you can earn it? You're not alone. With the rising cost of living and endless temptations to spend, managing finances can feel overwhelming. The good news is that wise spending isn’t about earning more—it’s about using what you have more effectively. Here are seven actionable tips to help you make every dollar count.

1. Track Your Spending

You can’t manage what you don’t measure. Start by documenting every dollar you spend for at least a month. Use a budgeting app, a spreadsheet, or even a notebook. Once you know where your money goes, you’ll see areas where you can cut back or redirect funds to more meaningful expenses.

Pro Tip: Categorize your expenses into needs, wants, and savings to identify potential problem areas.

2. Create a Budget That Aligns With Your Goals

A budget isn’t about restriction; it’s about intention. When you create a budget, you’re giving your money a purpose. Align your spending with your short-term and long-term goals—whether that’s saving for a house, paying off debt, or enjoying a guilt-free vacation.

Action Step: Use the 50/30/20 rule: allocate 50% of your income to needs, 30% to wants, and 20% to savings or debt repayment.

3. Distinguish Between Needs and Wants

Impulse purchases often stem from confusing needs with wants. Before buying something, ask yourself: “Do I really need this, or do I just want it?” Waiting 24 hours before making a purchase can help you avoid buyer’s remorse.

Mindset Shift: Needs sustain your life; wants enhance it. Spend accordingly.

4. Plan Your Meals

Dining out or ordering takeout frequently can eat into your budget faster than you realize. By planning your meals and preparing them at home, you’ll save money and likely make healthier choices.

Pro Tip: Batch cook meals for the week to save time and reduce the temptation to order out.

5. Shop Smart

Be a savvy shopper by comparing prices, using coupons, and waiting for sales. Avoid shopping when you’re emotional or rushed, as this can lead to unnecessary purchases.

Action Step: Make a shopping list and stick to it. This ensures you only buy what you need.

6. Cut Subscriptions You Don’t Use

Subscription services can quietly drain your budget. Take a close look at your monthly subscriptions—streaming platforms, gym memberships, or apps—and cancel the ones you rarely use.

Quick Win: Use an app that tracks subscriptions to identify and manage recurring charges.

7. Automate Your Savings

One of the best ways to make your dollars work harder is to save consistently. Automating your savings ensures you’re setting money aside before you have the chance to spend it.

Action Step: Set up an automatic transfer from your checking account to your savings account every payday, even if it’s just $20.

Final Thoughts

Spending wisely doesn’t mean depriving yourself of the things you love. Instead, it’s about being intentional and prioritizing what truly matters. By implementing these seven tips, you’ll not only stretch your dollars further but also gain greater control and peace of mind over your finances.

Start small. Pick one or two tips to focus on this week, and watch how quickly your financial confidence grows.

5 Ways to Reset Your Finances After the Holidays

The holidays often bring joy and connection, but they can also leave us with financial stress. Now that the celebrations are over, it’s time to take control of your finances and start fresh. These five steps will help you reset your finances and set yourself up for success in the year ahead.

1. Review Your Holiday Spending Habits

Let’s get real—where did your money go during the holidays? Sit down and go through your transactions. Break them into categories like gifts, entertainment, travel, and all those extra Starbucks runs (it’s okay, we’ve all been there). Figuring out where you overspent can help you spot patterns and make smarter choices next year. 

Tip: Pick one thing to tweak for next year, like swapping a full-blown gift exchange for a Secret Santa or hosting a potluck instead of footing the whole holiday meal bill yourself.

2. Reevaluate Your Budget for the New Year

New year, new budget! Take a look at your current financial situation. Do you have holiday bills to tackle? Maybe some income or expense changes? Adjust your budget accordingly to reflect where you’re at now.  Starting the year with a fresh, realistic plan gives you a solid foundation for tackling those money goals. 

Tip: Add a “holiday recovery” line to your budget to keep tabs on paying off any lingering holiday debt. It’s like a progress bar for your wallet!

3. Prioritize High-Impact Financial Goals

Trying to do everything at once can feel overwhelming. Instead, pick one or two financial goals to prioritize this year. Maybe it’s building up your emergency fund, paying down credit card debt, or finally saving for that dream vacation.  Zeroing in on a couple of goals helps you stay focused and actually make progress. 

Tip: Keep your goals visible! Use a savings tracker, a countdown, or even sticky notes on your fridge to remind yourself why you’re doing this.

4. Declutter and Sell Unused Items

Ready to feel productive and bring in a little extra dough? Declutter your home and sell those items you never use. That barely-worn sweater? Those gadgets collecting dust? They could be someone else’s treasure—and your financial boost.  You’ll clear out your space and earn some quick cash to put toward debt or savings.

Tip: Promise yourself you’ll only use the money for your financial goals, not on impulse buys (no matter how tempting that coffee run seems).

5. Automate Good Financial Habits

Want to make this whole money thing less stressful? Automate it! Set up automatic transfers to savings accounts, schedule bill payments, and if possible, set recurring payments to chip away at debt.  Automation means you’re taking action without even thinking about it. Plus, it helps you avoid those pesky late fees!

Tip: Start a holiday savings account now and set up small, automatic monthly contributions. You’ll be amazed at how prepared you’ll feel when December rolls around again.

Wrapping It All Up

Getting back on track financially doesn’t have to be complicated. Review your holiday spending, refresh your budget, focus on a couple of big goals, declutter for extra cash, and automate the good habits. These steps are simple, effective, and totally doable—because you’ve got this!

Here’s to a fresh financial start this year! 🎉

3 Reasons Why a Financial Plan is Your Best New Year’s Resolution

As the new year begins, it’s the perfect time to commit to meaningful resolutions that can shape your future. While health and career goals are popular, don’t overlook the power of financial resolutions. By developing healthy financial habits, you can set the stage for a brighter, more secure year ahead. Here are three reasons why creating strong financial habits should top your New Year’s resolution list:

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1. Build a Strong Financial Foundation for the Year Ahead

January is the ideal time to lay the groundwork for long-term financial stability. Habits like creating a budget, saving consistently, and paying down debt set you up for success—not just for the year, but for decades to come.

The compounding effect of disciplined financial habits means small, consistent steps taken now will grow into significant rewards over time. Imagine looking back a year from now and seeing measurable progress toward your biggest financial goals.

Resolution Tip: Start the year by setting up a monthly budget that tracks your income and spending. There are so many tools to help set a monthly budget!

2. Create Financial Margin for Peace of Mind

One of the greatest gifts you can give yourself this year is financial margin—the gap between your income and expenses. This cushion not only helps you handle unexpected challenges but also reduces stress and provides the freedom to pursue opportunities without financial strain.

Yet, studies show that 72% of households lack a written financial plan, leaving them vulnerable to financial emergencies (Schwab). This year, resolve to be different. Cultivate habits that build your financial margin, like automating savings or cutting unnecessary expenses.

Resolution Tip: Set up an automatic transfer to your savings account each payday. Even starting with $25 can add up over time.

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3. Turn Your Goals Into Achievements

Every New Year’s resolution begins with a dream—but dreams require resources and a plan to become reality. Whether it’s traveling, buying a home, or retiring early, strong financial habits are the key to making your aspirations achievable.

Research shows that 83% of people who set financial goals feel better about their finances within a year (BusinessWire). By making financial goal-setting a resolution this year, you’re not just imagining a better future—you’re taking steps to create it.

Resolution Tip: Write down three financial goals for the year and break them into actionable steps, such as saving a specific amount or paying off a portion of debt.

Make This the Year You Embrace a Fully Funded Life

A New Year’s resolution isn’t just about making temporary changes—it’s about creating a sustainable plan for your future. With the Fully Funded Life Membership, you’ll gain the tools, guidance, and support you need to build strong financial habits like budgeting, saving, and setting clear goals. These aren’t just steps—they’re the foundation for a life of financial freedom and abundance.

This is your opportunity to move beyond resolutions and take meaningful action. Join a community that’s dedicated to helping you achieve the life you’ve always dreamed of—a Fully Funded Life.

Start Your Journey Today with Fully Funded Life!

Budgeting Hacks to Help You Take Control of Your Money in 2025

If you’re looking to start 2025 on the right financial foot, you’re not alone. Setting up a solid budget can help reduce stress, reach financial goals, and make room for some of the fun things in life. Here’s a guide to practical budgeting tips that will help you maximize your income, cut unnecessary expenses, and save for future goals.

1. Cancel Memberships and Subscriptions You Don’t Use

Do you really use all those streaming services, magazines, or gym memberships? It’s easy for subscriptions to add up, especially if you forget to cancel free trials or automatically renew services you no longer need. Go through your recent bank statements and check for recurring charges. If you find any memberships or subscriptions you’re not actively using, cancel them right away. This simple step could save you hundreds over the course of the year!

2. Pack Lunches and Skip the Takeout

Packing your lunch might sound like a small change, but it can have a big impact. Spending $10-15 each workday on takeout can add up quickly—around $200-300 a month! By planning and packing your lunches, you can eat healthier, save money, and even reduce food waste. Try meal-prepping on Sundays to make it even easier to grab a lunch during the week. This small habit could save you a couple of thousand dollars over the year, which can be redirected toward other goals.

3. Check Your Insurance Rates

One often-overlooked tip is to review your insurance policies annually. Insurance companies frequently update their rates, and if you haven’t checked yours in a while, you may be missing out on savings. Compare rates for car, home, and health insurance to make sure you’re getting the best deal. You can use online comparison tools or work with an insurance agent who can find you lower rates. This small step could reduce your monthly bills without compromising coverage.

4. Make a Monthly Budget & Track EVERY Expense

Budgeting can feel overwhelming, but it’s easier when you break it down monthly and track every expense. Create a monthly budget that includes all your fixed and variable expenses and set realistic limits for each category. Use an app or even a simple spreadsheet can help you track your spending. Make a habit of checking your budget weekly to see if you’re staying on track. Once you know exactly where your money goes, it’s easier to identify and cut unnecessary expenses.

5. Set Up Direct Deposits for Savings Goals

Saving up for big expenses—like a vacation, car repairs, or holiday gifts—is easier when you set aside money gradually. A great way to do this is to set up direct deposits into separate savings accounts designated for each goal. Many banks now offer the option to create sub-accounts, which you can name for each goal. By automatically depositing a small amount with each paycheck, you’ll build up funds over time without even noticing it. This "out of sight, out of mind" approach makes saving easy and keeps your goals on track.

Wrapping Up

Incorporating these five budgeting hacks into your financial routine can make a huge difference in reaching your goals for 2025. By cutting unnecessary expenses, finding cost-effective alternatives, and planning ahead, you’re setting yourself up for a more financially stable year. Start with one or two of these tips, and you’ll be well on your way to building healthy financial habits that last!

Starting Strong: The Ultimate Checklist for Your 2025 Financial Success

As we turn the page on a new year, there's no better time to refresh your financial mindset and set goals for lasting success. A fresh start in 2025 brings an opportunity to build on the lessons of the past while implementing new strategies that keep you moving toward financial freedom. Whether you're looking to get out of debt, grow your savings, or invest for your future, here’s your ultimate checklist to kickstart your financial success for the year ahead.

1. Reflect on the Past Year

• Start by reviewing your financial wins and challenges in 2024. Were there goals you didn’t quite hit, or expenses that crept up unexpectedly?

• Take note of areas you want to improve and celebrate any progress you made, no matter how small. This reflection will give you clarity as you set intentions for 2025.

2. Set SMART Financial Goals

• Make sure each goal you set is Specific, Measurable, Achievable, Relevant, and Time-bound (SMART). Instead of a vague “save more,” try “save $5,000 by year-end for emergencies.”

• Include short-term, and long-term goals that balance immediate needs with future aspirations.

3. Create a 2025 Budget that Aligns with Your Goals

• Draft a monthly budget that reflects your income, essential expenses, and savings targets. Budgeting doesn’t have to be restrictive—it’s about empowering yourself to make informed choices.

• Don’t forget to account for annual expenses like holiday gifts, insurance premiums, or upcoming vacations so that they don’t catch you off guard.

4. Build Your Emergency Fund

• An emergency fund is a non-negotiable pillar of financial security. Saving one month of expenses allows you to manage your finances with a monthly budget. 

• If you already have an emergency fund, consider increasing it to cover rising living costs or any potential new expenses.

5. Attack Your Debt with a Purpose

• Outline a strategy for tackling debt, whether it’s credit card balances, student loans, or car payments.

• Consider using tools like balance transfer offers or negotiating interest rates to speed up the process, but stay disciplined and stick to your payment plan.

6. Boost Your Savings with Automated Transfers

• Make saving easy by setting up automatic transfers to your savings and investment accounts. This helps make saving a habit and ensures you stay on track.

• If you’re not sure how much to set aside, start small and increase your savings rate over time.

7. Evaluate and Adjust Your Insurance Needs

• Review your current insurance coverage to ensure it aligns with your needs. Health, auto, home, life, and disability insurance are essential tools for protecting what you’ve worked hard for.

• Look for any gaps in coverage and consider if changes are needed due to life events, such as marriage, having children, or buying a home.

8. Invest with Confidence

• If you haven’t started investing, now is a great time to learn the basics and explore your options. Whether it’s a retirement account, stocks, or mutual funds, investing is key to growing your wealth.

• Don’t just dive in; take the time to understand your risk tolerance and long-term goals. Consulting with a financial advisor may help you design a portfolio that suits your needs.

9. Track and Adjust Monthly

• Financial success requires consistency and attention. Check in with your budget and goals each month to make sure you’re on track.

• Celebrate your progress, no matter how small, and adjust as needed to accommodate unexpected expenses or shifts in priorities.

10. Stay Educated and Engaged

• Make 2025 the year you commit to financial literacy. Books, podcasts, and online resources (like “I Was Broke. Now I’m Not.”) can keep you informed, inspired, and motivated.

• Join a community of like-minded people who can encourage you on your journey. Financial success is about building wealth and enjoying life, so seek out resources and communities that align with your values.

Starting 2025 with Confidence: Your Fully Funded Life Awaits

As you step into 2025, remember that financial success is a journey—and with the Fully Funded Life Membership, you don’t have to travel it alone. Setbacks may arise, but with a clear plan, expert guidance, and a supportive community, you’ll be equipped to navigate every twist and turn.

This is your year to make empowered, intentional financial choices that lead to freedom, security, and a life of abundance. With Fully Funded Life by your side, you’ll have the tools and confidence to turn 2025 into a year of transformation and success.

Start your Fully Funded Life today and make 2025 your best financial year yet!

8 Ways To Celebrate Financial Wins

Celebrating financial victories, no matter how small, is crucial for maintaining motivation and building a positive financial mindset. Whether you’ve paid off a debt, reached a savings milestone, or achieved a financial goal, acknowledging and celebrating your successes can reinforce good habits and inspire further progress. Here are eight ways to celebrate your financial wins and keep your momentum going.

1. Treat Yourself Responsibly
   Reward yourself with a thoughtful, budget-friendly treat when you achieve a financial milestone. Choose something that aligns with your values and won't derail your progress, such as a special meal or a small purchase. This positive reinforcement helps you enjoy the fruits of your hard work while maintaining financial discipline.

2. Share Your Success with Loved Ones
   Announce your financial achievement to family and friends who support your goals. Consider hosting a small gathering or virtual celebration to share your joy. By involving your support network, you enhance your sense of accomplishment and receive valuable encouragement to continue pursuing your financial goals.

3. Reflect on Your Progress
   Take time to document your financial journey and create a milestones chart to visualize your progress. Reflecting on your achievements helps you appreciate the effort you’ve put in and provides motivation for future goals. This practice also allows you to identify what worked well and areas for improvement.

4. Reinvest in Your Financial Future
   Use a portion of your financial win to boost your savings or investments. Reinvesting in your future not only solidifies your financial health but also helps accelerate progress toward long-term goals. Consider allocating funds to an emergency fund, retirement account, or other investment opportunities.

5. Give Back to the Community
   Celebrate your financial success by donating to a charity or volunteering your time. Giving back helps those in need and enhances your sense of fulfillment. It also reinforces the positive impact of your financial achievements and fosters a spirit of generosity.

6. Set a New Financial Challenge
   Build on your recent success by setting a new financial goal. Create a clear plan and timeline to achieve this goal, breaking it down into smaller, manageable steps. This keeps your momentum going and ensures that you stay focused and motivated as you work toward new milestones.

7. Celebrate with a Financial Milestone Ritual
   Establish a personal or family ritual to mark financial achievements. This could be a special dinner, a symbolic gesture, or an annual review of your financial progress. Rituals provide a meaningful way to celebrate and reinforce your successes, creating positive associations with your financial goals.

8. Share Your Success Story
   Share your financial journey and achievements through a blog post or social media update. By telling your story, you inspire others and strengthen your own commitment to financial goals. Offering advice and insights based on your experience can also provide valuable support to those on a similar path.

Celebrating financial wins is not just about enjoying the moment; it’s about reinforcing positive habits and setting the stage for future success. By treating yourself responsibly, sharing your success, reflecting on your progress, and investing in your future, you can maintain motivation and continue building on your achievements.

3 Things You Can Learn from Unmet Goals

Unmet financial goals can be discouraging, but they also provide valuable insights if you approach them with the right mindset. Instead of viewing these unmet goals as failures, consider them as opportunities to learn and improve your financial strategy. Here are three key lessons you can learn from unmet financial goals and how to use these insights to strengthen your financial future.

1. Understand What Went Wrong

• Identify Financial Barriers: Examine the reasons behind your unmet financial goals. Did you underestimate expenses, overestimate income, or fail to account for unexpected costs? Understanding these barriers is crucial for avoiding similar pitfalls in the future.

• Evaluate Your Financial Plan: Review the financial strategies you employed. Were your budgeting methods effective? Did you have a clear plan for saving or investing? Assess whether your approach was realistic and aligned with your financial situation.

• Learn from Financial Feedback: If your unmet goals involved financial advisors, family members, or colleagues, gather their feedback. They might offer valuable insights into what could have been done differently.

Use this analysis to refine your financial plan. Adjust your budget, create more accurate forecasts, and develop strategies to better manage unexpected expenses.

2. Reassess Your Financial Priorities

• Evaluate Financial Goals: Reflect on whether your financial goals were realistic and aligned with your current priorities. Sometimes unmet goals occur because they no longer fit with your financial situation or life stage.

• Adjust Your Focus: Ensure your financial goals reflect your current needs and priorities. For example, if your goal was to save for a vacation but unexpected expenses arose, it may be time to prioritize building an emergency fund first.

• Set New, Realistic Goals: Based on your reassessment, set new financial goals that are achievable given your current circumstances. Make sure these goals are relevant and aligned with your immediate financial needs and long-term aspirations.

Align your financial goals with your current priorities and financial reality to increase the likelihood of achieving them.

3. Develop Financial Resilience and Adaptability

• Build Financial Resilience: Unmet financial goals can be a setback, but they also provide an opportunity to build resilience. Learn to view financial challenges as a natural part of the journey toward financial stability and growth.

• Embrace Adaptability: Financial circumstances can change unexpectedly. Cultivate adaptability by being flexible with your financial plans. If a goal becomes unfeasible, adjust your strategies or timelines accordingly.

• Strengthen Problem-Solving Skills: Use the experience of unmet financial goals to enhance your problem-solving skills. Analyze what went wrong and develop strategies to address similar issues in the future.

Develop resilience and adaptability to better manage financial setbacks and adjust your strategies for improved outcomes.

Unmet financial goals are not failures but valuable learning experiences. By understanding what went wrong, reassessing your priorities, and developing resilience, you can turn these setbacks into powerful growth opportunities. Use these lessons to refine your financial strategies and enhance your ability to achieve financial success.

Lower Your Home & Auto Insurance

When was the last time you obtained quotes for your home and auto insurance?  It is very, very important to carry both home and auto insurance. However, that does not mean that you should pay the highest dollar amount possible!  Here are some tips to lower some of these costs and add some extra green to your budget.

Homeowners Insurance Tips:

• If you have auto insurance or some other insurance, ask for a “bundle” discount.

• Consider increasing the deductible to reduce your premium costs.  If you are managing your money well and have built your emergency fund to at least three months of expenses (Rung #5), you may consider increasing your deductible.  This can result in a substantially lower insurance premium.

• Example: If you increase your deductible from $500 to $1000 and the premium drops to $400 a year, this is probably a no-brainer.  The premium is the only cost guaranteed to happen, and an event requiring the use of the insurance is not. If you are able to make it fourteen months without a claim, you will come out ahead financially.  Even if a claim happens two years down the road, you will pay the $500 more in deductible, but you will have saved $800 in premiums (two years at $400 per year in reduced premiums due to increasing the deductible by $500).  

• Shop around for the best rates every two years.

• Obtain a minimum of three quotes – one of them being from an independent insurance agency.

Auto Insurance Tips:

• Always have auto insurance.

• Bundle with other types of insurance to get discounts.

• Shop around for the best rates every two years.

• Obtain at least three quotes – one of them from an independent insurance agency.

• Obtain quotes with different deductibles.

• Obey the traffic laws.

• Be very cautious buying car insurance from family or friends without getting quotes from other places.  

Try out some (or all!) of these tips and save some money today!

5 Financial Habits For The New Year

As the new year approaches, it’s the perfect time to evaluate your financial health and make improvements. Establishing strong financial habits now can set you up for long-term success, making it easier to reach your financial goals and secure your future. Here are five essential financial habits to adopt this year:

1. Create (and Stick to) a Budget

Budgeting is a fundamental aspect of managing your finances effectively. By creating a budget, you gain a clear understanding of your income and expenses, which helps you live within your means and avoid overspending. Here’s how you can build an effective budget:

• Track Your Income and Expenses: Begin by listing all sources of income and categorizing your monthly expenses. Tools like EveryDollar, Mint, or YNAB can simplify this process.

• Set Spending Limits: Allocate specific amounts for different expense categories, such as groceries, entertainment, and savings.

• Review and Adjust Monthly: Life changes, so your budget should too. Regularly review and adjust your budget to reflect any changes in your financial situation.

A well-structured budget is your roadmap to financial stability, helping you manage your money more effectively and reach your financial goals.

2. Build an Emergency Fund

An emergency fund is a financial safety net that protects you from unexpected expenses, such as medical bills, car repairs, or job loss. Here’s how to start building your emergency fund:

• Determine Your Target Amount: Aim to save 3-6 months’ worth of living expenses. This amount provides a cushion for most unexpected events.

• Automate Your Savings: Set up automatic transfers to a separate savings account dedicated to your emergency fund. Start with a small, manageable amount if necessary.

• Save Regularly: Consistency is key. Even small, regular contributions to your emergency fund can add up over time.

Building an emergency fund provides peace of mind and financial security, ensuring you’re prepared for life’s unexpected challenges.

3. Pay Down Debt Aggressively

Debt can hinder your financial progress and impact your overall financial health. Reducing and eventually eliminating debt should be a priority. Consider these strategies:

• Choose a Repayment Method: The Snowball Method involves paying off the smallest debt first, while the Avalanche Method focuses on paying off the highest-interest debt first. Both methods can be effective; choose the one that motivates you the most.

• Explore Debt Consolidation: If you have high-interest debt, consider debt consolidation or refinancing options to reduce your interest rates and simplify payments.

• Commit Extra Funds: Allocate any additional income or savings towards debt repayment to accelerate the process.

By aggressively paying down debt, you’ll improve your credit score, reduce financial stress, and free up resources for other financial goals.

4. Set Clear Financial Goals

Having clear financial goals gives you direction and motivation. Whether you’re aiming for short-term or long-term goals, it’s important to define and plan for them:

• Define Your Goals: Set both short-term goals (e.g., saving for a vacation) and long-term goals (e.g., buying a home or retirement).

• Use the SMART Framework: Ensure your goals are Specific, Measurable, Achievable, Relevant, and Time-bound to make them more attainable.

• Track Your Progress: Use financial tools or apps to monitor your progress and stay on track.

Setting and tracking financial goals helps you stay focused and make meaningful progress toward achieving your dreams.

5. Start Investing Early

Investing is crucial for building wealth and preparing for the future. Starting early allows your money to grow through compound interest. Here’s how to begin:

• Understand Different Investment Options: Explore various investment avenues such as stocks, bonds, mutual funds, and real estate. Diversification can help manage risk.

• Consider Low-Cost Options: For beginners, low-cost index funds or employer-sponsored retirement plans like a 401(k) are excellent starting points.

• Start Small: Even modest investments can grow significantly over time. Begin with what you can afford and increase your contributions as your financial situation improves.

Investing wisely helps you accumulate wealth and provides financial security for the future.

Adopting these five financial habits will set you on the path to a more secure and prosperous financial future. By creating a budget, building an emergency fund, paying down debt, setting clear goals, and investing early, you’ll be well-equipped to achieve your financial objectives.

How To Navigate Family Finances During The Holidays: Money Conversations Made Easy

The holiday season is a time of joy, celebration, and, often, financial stress. Navigating conversations about money with family can be challenging, but with the right approach, you can make these discussions easier and more productive. Here’s how to handle money conversations with your family during the holidays with ease.

Approach Conversations with Empathy and Understanding

When discussing finances during the holidays, it’s crucial to approach the conversation with empathy. Start by creating a supportive environment where everyone feels heard and respected. Share your financial concerns and limitations in a way that is considerate of others' perspectives. For instance, instead of saying, "I can't afford this," try, "I’m trying to stick to a budget this year and need to be mindful of my spending." Practice active listening to understand each family member’s financial situation and expectations.

Set Boundaries and Manage Expectations

Setting clear financial boundaries helps prevent misunderstandings and unrealistic expectations. Clearly communicate your spending limits for gifts, travel, or holiday events. For example, if you’re planning a family gift exchange but have a set budget, explain it in a way that emphasizes your desire to keep the holiday enjoyable without financial strain. Use phrases like, "I’d love to participate, but I need to stay within a certain budget," and be open to negotiating and compromising to find a solution that works for everyone.

Focus on Shared Goals and Values

Aligning financial conversations with shared family goals and values can shift the focus from money to what truly matters. Discuss the traditions and experiences that everyone values most and find ways to incorporate them into your holiday plans without overspending. Consider creating new, cost-effective traditions that highlight togetherness and joy. For example, instead of expensive gifts, you could plan a family game night or a potluck dinner, which can be just as meaningful and enjoyable.

Navigating family finances during the holidays doesn’t have to be a source of stress. There are ways you can manage holiday finances more effectively and enjoy a more meaningful holiday season. We encourage you to engage in open and honest discussions to ensure a joyful and financially stress-free holiday. Remember, effective communication not only helps manage money but also strengthens family bonds and enhances the holiday experience.

Fall Financial Cleaning: Steps to Organize Your Finances Before Year-End

As autumn settles in and you start thinking about tidying up your home, it’s also a great time to give your finances a thorough cleaning. Just like fall cleaning helps you prepare for the new season, organizing your finances before the year ends can set you up for a successful financial future. Here’s how to do a fall financial cleaning in just three simple steps: 

Review and Adjust Your Budget

Take a close look at your current budget and compare it with your actual spending over the past year. Have you overspent in some areas or saved more than expected in others? Use this review to adjust your budget for the final months of the year. Make room for any upcoming expenses and ensure your spending aligns with your financial goals.

Organize Financial Documents

Gather all your important financial documents, including bank statements, receipts, and tax-related paperwork. Organize these documents so you’re ready for tax season and any other financial planning needs. Consider digitizing documents for easier access and to reduce physical clutter. An organized financial record will make managing your finances much smoother.

Review Financial Goals and Progress

Reflect on the financial goals you set at the beginning of the year. How close are you to achieving them? Based on your current financial situation, adjust your goals if necessary and set new targets for the upcoming year. Review your savings and investment plans to ensure they are still on track and make any needed adjustments.

By reviewing your budget, organizing your financial documents, and assessing your financial goals, you can finish the year on a strong note and start the new year with clarity and confidence. This fall, take the time to clean up your finances and prepare for a successful financial future.

5 Questions to Ask Before Spending Money

Do you ever get caught in the cycle of  “see it, want it, and buy it?” Before you spend you don’t stop to think through your purchase. Here are five questions you can ask yourself before spending money on impulse purchases and larger purchases. 

• Do I Need This? 

• Often times its helpful to take a moment, pause, and ask yourself the simple question of ‘Do I need this?’ This question can become a gatekeeper of sorts. A way to prevent impulsive spending. With the access to shopping right at our fingertips, wait overnight before even answering the question. You’d be amazed at the clarity a good night of sleep can bring to a spending decision. 

• Will this item increase or decrease in value?

• Now, not all of our purchases can be for items that increase in value, but if all of your purchases go down in value - there is a problem. Ask yourself this question, as you consider larger purchases and potential investment purchases. Find someone you know who is prospering with their investments, and ask for their advice!

• Do I have the money to pay cash for this item?

• Is your first instinct to finance? To finance the car, the next car, the furniture, the trip, and so on… Consider asking yourself this question before purchasing. If you don’t have the cash to pay for it, don’t buy it (unless it’s a house or an asset that will increase in value.)

• Will this purchase generate income for me or take income away from me?

• What a great question to ask - and what a difference it will make in the way you think about money. Before you spend, just stop and ponder the options available to you to use those resources to generate more income for you in the future.

• Will this help me achieve my future plans, hopes, and dreams?

• Without a longer-term perspective, it becomes extremely easy to fall into the trap of living for the minute, and immediately spending every single dime we earn. This question can help you recognize that spending all your money right away can rob you of your future dreams.

So Before You Spend…

THINK!  Think about what this big purchase means.  Not just the temporary gratification, but how it will impact you in the long run.