Stay The Course

Every once in a while it’s becomes so easy to be discouraged, whether it’s my weight loss or starting my business or something else. Every now and then I need a little push to remind me that I need to keep pushing and to stay the course.

I was able to have one of those days today. Being in the process of starting my own business has been trying and stressful. When I see others taking the same initiatives it’s a great reminder that i’m not alone. I’m glad to be in such great company, being in the presence of like minded individuals have reminded me that anything is possible.

Have a happy Saturday…

November Financial Read

As part of my goals for this month I’m reading a personal finance book that I hope will help me on my journey. For this month I chose “Your Money Map” by Howard Dayton of Crown Financial Ministries.

I started reading this book sometime last year but didn’t get to finish it, I only got about 20 pages in before life’s distractions took over. I’m really looking forward to finishing what I started and hopefully implement some of the strategies discussed in the book.

I’ll be posting a review once I’m done. If you’ve read the book feel free to drop me a line and let me know your 2 cents.

November 2013 Goals

New Month, New Goals…Happy November!

I’m so excited about this month, we’re two months away from the end of the year YIKES! There are quiet a few things that I’m really looking forward to this month and I’ve centered this month’s goals around most of them.

Here goes…

Health and Fitness Goals:
*Lose 5 lbs
*No sugar (with the exception of my sister’s bday cake)
*Drink only water, tea or coffee – no juice or pop
*Track what I’m eating
*Workout 5x a week
*Get a check up at the Doctor’s
*Practice clean eating
*No Junk Food
*Do a detox

Financial Goals:
*Track all spending
*Stick to my budget
*Save $400
*Read 1 financial book
*No spend month (only buy things that I need)

Mind and Spirit:
*Continue to declutter my home (Trash, Sell or Donate)
*Have at least two “no TV’ days at home (the TV stays off and we focus on other areas of our lives)
*Make time to read the Bible and pray more
*Love, Forgive and Release

Some of these things will be very easy for me while others won’t. I’m looking forward to completing everything on this list. To make that happen I’m going to be breaking things down into weekly goals and take it from there.

If you’ve put together your monthly goals I wish you the best of luck in achieving each one!

I Hate Debt

I hate debt…I sincerely do. It frustrates me when I have any to the point where that’s all I think about. Now that I know better, I do better. I had no one to show me how to deal with money, everything that I’ve learned about personal finance I’ve had to learn through trial and error. It’s not exactly the way I wanted to learn but some very valuable lessons were learned.

So in the spirit of me hating debt, I’ve decided to pull money from my savings account to pay off the balance on my credit card, the thought of all the interest was getting to me and I just couldn’t deal with it. It just didn’t make sense to spend the next few months paying it off and paying an extra $50 in interest each month. I’ll now be able to focus on saving for a down payment on my first home without having to worry about paying off my credit card. I’m really looking forward to this next step in my financial life.

 

Learning to live in the moment…

Getting Back on Track…Financially

Well, I’ve fallen off the wagon…way off. They say old habits die hard and I now see how that saying is true. I’ve been very good over the last few years with saving and keeping my spending in check for the most part. Being financially stable has always been very important to me, especially since I have a son and I’m a single parent. Unfortunately, lately I’ve fallen back into some bad habits and it’s time to face the music. The only debt I have right now is my credit card, and that currently sits at $2,450…sigh. Over the next few months I’ll be focusing on strategies to pay this off and increase my savings. 

Sacrifices will have to be made, I’ll have to miss out on a few things like going out with family/friends but they’ll just have to understand for now. Short term pain for long-term gain. 

For the rest of October, I’ll be in no spend mode, I’ll be tracking my expenses and following my budget. 

Getting Back on Track

Now that the lazy days of summer has come to a close, it’s time to get back on track…eating right, getting regular exercise are all part of the plan. I’m looking at this as a fresh start, I’ll be doing alot this month, including working on getting my business off the ground (I’ll share more of that later), that alone is a process in itself.

The last few months have been really hard for me, I’ve been in a really low and depressive mode. I finally feel like I’m coming out of it and I’m excited about what’s to come. I’ll mainly be focusing on wealth building over the next little while, as well as looking for a new home for me and my son.

Overall, I’m just really excited about this next phase of life!

Learning to live in the moment,
Shar