financial goals

Financial Goals for 2017


By: K.H. Smith

As the holidays are wrapping up, we are looking into the New Year and deciding on resolutions.  What do you want to commit to this year? Most New Year’s resolutions tend to be short lived, but that sense of hope still drives us to make resolutions every year. What if instead of a resolution that we half-heartedly make, we make achievable goals.  We make short term and long term goals with a plan on how to achieve them. This plan would make it easier to reach those desired long term financial goals of being debt free, having a strong emergency fund, and healthy retirement accounts.

If this sounds like the future you want, then you have to commit to it.  But that commitment alone will not get the job done.  You need to set reasonable, achievable goals for yourself.  Maybe you need weekly accountability with your spending or just an amount to save from this paycheck.  These small goals will help you towards the bigger picture of financial freedom.   How do you make these goals?

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eat healthy on a budget

Trim Your Budget and Waistline


By: K.H. Smith

 

There are budgeting tips that do more than trim your spending, they can help you trim your waistline!  Some of our bad eating habits cost us money and by cutting some of these out, you may even lose a few pounds! Who doesn’t love that? Here are some ways to trim both your budget and waistline!

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Make a budget

How to Make a Budget


By: K.H. Smith

So if you have reached the point where you are ready to take control of your finances, you are probably wondering where to start.  I personally believe that you have to know where you currently stand before you can plan anything else.  This self-assessment goes along nicely with making a budget so we will do both together.  There are many ways to go about this, but this is how I make a budget.

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The Frugal Mentality


By: K.H. Smith

The word frugal has a bit of a negative connotation, like cheap and thrifty, but I think if you look at the benefits of living frugally it starts to look more positive. I don’t remember when exactly I adopted the frugal mentality. It didn’t start at birth even though my Dad was the king of frugal living. He didn’t spend money on anything unnecessary when I was growing up. He and my Mom made good choices with their money and saved well and it paid off! My Dad taught me good financial planning and spending habits. I must say, I splurged a little in college and right after, but I was smart enough not to get too deep in debt before realizing this was a bad plan. I was able to fall back on those good lessons and recover in a matter of months. There was great value in having experienced that debt and also climbing out of it myself. I knew if I ever got in debt I could get out of it again. I adopted quite a few of my Dad’s frugal living habits and they are serving me well too!

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Inexpensive Mason Jar Gift Ideas!


By: K.H. Smith

 

I Love Mason Jar Gifts!  I mean who doesn’t? They are inexpensive to make, which is great for staying under budget at the holidays.  And the presents you can make are useful!  I love to give them as well as receive them.  I enjoy using mason jars for teachers gifts, gift exchanges, hostess gifts, for some of my Aunts and Uncles who have everything, and for the hard to buy for minimalists who want nothing.  I have compiled a few Pinterest ideas into one place to help me and you get those DIY gift-giving juices flowing.

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