Tag Archives: goals

Budget Graphic

When Your Budget Doesn’t Work Out

Things are not always going to work out according to plan, so you are just going to have to put your big girl or big boy panties on and problem solve. Sometimes you will have to really sacrifice until you are able to pull yourself afloat. I know this to be true because I struggled with this the past few months. No matter how much you budget things are going to happen and that is why I stress the importance of having an emergency fund. We all have to start somewhere so it doesn’t matter how much you start putting into it at first. Pennies will eventually add up to dollars so don’t be afraid to pick up that penny that is lying on the ground.

Since becoming a homeowner at the end of 2015, there are tons of things I never thought of before so I am constantly adjusting and incurring costs. I was doing pretty well for a while, but the past few months it seems like all of my unplanned bills are hitting all at once. Medical expenses, annual trash bill, I owe money on my taxes, things I need for the house, etc. I am just a middle class citizen trying to get myself to the next tier in the social economical structure. Like I say, money doesn’t buy happiness but it does buy choices.

My struggle the past few months was a lesson that I desperately needed so not all is lost. I was trying to figure out ways to force myself to save more and the universe sure did give me the answers. I was reminded that I needed to start spending less money so I can save more money towards my goals. Getting that wakeup call because I was forced to was very eye opening and proved to me that I can indeed spend less money. So when my budget didn’t work out, here are the things I did to get myself out of the hole.

Packed my lunch EVERYDAY!!!

Of course this is a no brainer for many people, but sometimes I would go on spurts of not feeling like packing my lunch. This adds up so fast because I would spend anywhere from $6-$12 on lunch per day. That is $1560-$3120 a year just on lunch. WTH was I thinking?!? I could use that money to buy stocks or something that will help my money grow or go on a nice vacation.

I planned my meals out.

Planning my meals worked because I didn’t just start throwing stuff in my cart when I went grocery shopping. I literally took inventory and only bought what I knew I needed for the next 2 weeks or longer. I normally do one big shop per month and one mini shop to pick up random items I need and anything that is a really good sale. Oh and I prefer to buy fresh fruit and veggies so you can’t buy that in bulk. Of course I stuck to frozen veggies for the most part while pulling myself ahead of my financial struggle. I also picked up things to put in my work freezer for any days I forgot my lunch.

Forced myself to make do!!!

I was determined not to touch my emergency fund on food because I am still trying to build it back up. I was getting very creative with my meals and working with what I had in my kitchen. Allrecipes.com is my favorite meal resource so check it out for yourself. You can plug in your ingredients and it will give you recipe ideas.

Stayed local

I tried to limit my driving and only traveled when I needed to. Ugh gas is so expensive!!!

Took advantage of free fun.

If you live in or near a major city there is always free fun for you to enjoy. Check out your local libraries or community centers and you will be so surprised what you find. I live in the Philadelphia, PA area and I search for free events all the time. I made sure we would eat at home before going out.

So no I am not perfect by any means and sometimes I need a reminder to focus on my big picture goals. I am working on building wealth and creating memories so buying random stuff that I know I do not need doesn’t help me meet those goals. So now back to sticking to my budget and saving for when my budget doesn’t work out. You have to plan for your successes.

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money and happiness

Money Doesn’t Buy Happiness, But It Does Buy Choices

I believe in living a life that you are happy with and that is exactly what I am doing. Money is not going to buy me happiness, but it does buy me choices. I work hard at my 9-5 while I build my multiple sources of income. I do this because I know one day all of my entities and investments will allow me to replace my 9-5. Again money is not going to buy me happiness, but it will give me the opportunity to have more choices. No one wants to live a life struggling to figure out how to pay bills or give their children the things that they deserve and some of what they want. Yeah my little one doesn’t get everything that he wants just because I said he can’t and not because I can’t afford it. He has to learn how to work for the things that he wants. I may not be able to buy everything that I want at that exact moment that I want it, but with planning and over time I can have everything that I desire.

Not all wealthy people are happy just like not all poor people are miserable. The difference is the choices that each group can make and the opportunities that come along with the wealth. I can afford to send my son to a private school that is close to my job so I don’t have to kill myself rushing thru traffic to pick him up from the afterschool program by 6:00pm. Yeah most places will charge you extra if you are late. I can afford to buy healthier and better quality foods for myself and child because of the investments I have made for myself. When I go on vacation I am diffentantly not staying at the Ritz Carlton, but I’m sure as hell not staying at the Motel 6 either. Yeah money doesn’t buy you happiness, but it does buy you choices; choices that will make your life easier and help you enjoy it just a little bit better. I would rather buy a good quality $300 purse over a $10 purse that won’t last, but if I am shelling out $300 on a purse I’m making sure my bills are all paid and I have more than $300 that I can put into my new purchase. I am not a believer in living beyond my means because it is like a domino effect.

Yeah I know some of you are reading this post and saying it is better said than done and you are exactly right. At a certain point you have to stop blaming all of the outside forces as to why you can’t get ahead and start taking control of your life. If you can’t find a job than make your own; plenty of people do it every day so there is no excuse and the world owes you nothing. If you want something you have to make it happen; create your own opportunities. My 9-5 doesn’t pay me as much as I would like, but it gives me the flexibility that I need as a single mother so I had to be creative since I like it there. I have my own business www.happilynaturalyme.com and I am an independent business owner for Total Life Changes. Happily Naturally Me is growing and TLC brings me instant and residual income thru network marketing. I love what I do and so does my son. He is like my little business partner because he comes with me the majority of the time when I am conducting business. He is learning the art of selling at a very young age because he is always talking about selling the toys he doesn’t want any more at the Flea Market. That was my first stomping grounds when I was trying out how my Happily Naturally Me products would do and I would sell his old baby clothes. We would play games in between customers, watch a movie or he would ride his bike around the tent I had setup. Yeah no excuses because if I can do it, so can you.

If you want a life you love, you will have to create it yourself so stop waiting and start taking some action. If you are interested in joining a network marketing company to make extra income just contact me or signup by visiting my site directly www.totallifechanges.com/5819311. Make sure you use rep ID 5819311 and contact me so I can help you get started.

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2016

2016 Goals: Year of Focus

I absolutely love sharing my goals with you guys!!! It is like I have a whole bunch of accountability partners and I don’t want to let you down. So before I get into my 2016 goals lets recap 2015:

  1. Buy that three bedroom house with the backyard- Accomplished except it has a nice sized front yard with the back of my house facing a golf course. 3 bedrooms, 1 and ½ bathrooms and a finished basement that will basically be a playroom/office. I think I did a pretty good job how about you?
  2. Pay off one of my student loans- I sure did settle my loan that was in collections for a huge $7,000 lump sum. I almost cried when I saw it leave my account, but it was worth it because my credit score jumped drastically and I was able to get approved for my mortgage.
  3. Go on vacation- I said I wanted to take the little one to Disney/LegoLand, but instead I gave him a cool birthday party at the Philadelphia Zoo and continued saving for our house. This vacation has now been moved to the 2016 goals. Hopefully I will be able to give you that review soon.
  4. Have an awesome 30th birthday- I did say 2015 was the year of me so I treated myself to a trip to Dubai for my 30th birthday. Including spending money, I didn’t even spend $2,000 for the entire trip. You can reach out to me if you want to know how I pulled this off.
  5. Continue working on past goals I have yet to accomplish- This would have been me clearing up my credit which I did and any other random goals. Check out my Mommy Fix Your Credit post.

So as you can see from my recap, I did a kick ass job. So 2016 is going to be the Year of Focus for me. I have a lot of things I want to accomplish that require me to stay on task. Here are my goals and an extra bonus for you:

  1. Double my income- So throughout 2016 I am going to try out various ways of making extra money and share my experience with you. Hopefully it will give you some options to generate more money also. I am still building on my natural and organic skincare line so check out www.happilynaturallyme.com and I have added being a Total Life Changes Rep to my resume. You can check out www.totallifechanges.com/5819311 if you are looking to lose weight naturally or for wellness products. Lose 5lbs in 5 days with the detox tea.
  2. Divorce Sallie Mae- I will use my extra income to continue my journey in getting rid of that annoying bitch that takes a huge chunk of my money each month. The faster I can pay this off the faster I can purchase my next home and rent out my first home.
  3. LEGOLAND/Disney- This is something I truly want to accomplish for the little one this year. I told him after we bought a house we can go so let the saving and deal searching begin.
  4. Host financial literacy workshops- www.JustHisMommy.com will start to have more of a financial focus. I have not worked out the details yet, but I will be holding financial literacy workshops throughout the Philadelphia area to help educate those that want it. Sometimes you need help figuring out how to make it work financially in your household.

So there you have my focus areas. Help me help you by leaving comments on past and future posts. I want to provide you with the knowledge that you are seeking. Also, you can check me out under the parenting section of www.facephillymag.com.

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