Every year, around this time, I start thinking about “next year.” You probably have similar thoughts. Mine start like this, “I’m going to ____.” The blank space can be any number of things - get organized, stick to my budget, save more money. I mean well and have the best intentions. And yet, December rolls around and I realize I haven’t accomplished all I set out to.
The past year has been an exception, though. I still have my usual weak spot – organization, but I’ve had success in a couple of new areas. I hope my experiences below can help you in 2017!
Sticking to my Budget
If you’ve read my previous blog posts, you know I’ve made great strides with managing my money. You better believe I’m going to stay on track in 2017. There is no going back!
Need help? The secret is finding just the right method. Maybe it’s only using cash or tracking funds with a mobile app - whatever it is, stick with it.
Managing your money is a lot like shopping for clothes – no matter what they say, one size does not fit all. You have to try out a variety of methods until you find the system that works for you. Once you do though, you’ll be amazed at how much easier life seems to be.
After your budget is working, don't be surprised to find money left over each month. The experts say, “Pay yourself first.” Believe me, I know how ridiculous that sounds. Stashing away money when you’re struggling to make ends meet seems impossible. Take it from me though – it works! Twenty dollars each payday can really add up over the course of the year.
A small part of my paycheck goes directly into a savings account each payday. I don't have easy access to that account, so it's out of sight, out of mind. Now, I’m slowly building that "emergency fund" all the experts talk about.
Instead of feeling overwhelmed about the year to come, I’m excited to tackle new challenges.
So, what’s on your “I’m going to ___” list?