As part of my goals in 2017, I decided that I needed to change certain behaviors in my life if I was going to achieve the goals that I set out for myself this year and moving forward. Better time management and minimizing procrastination are two areas that I started working on in the first 3 months of 2017. Even though I had a few hiccups along the way, I think I am better today than I was at the beginning of the year.
As we became more intentional about how we spent our money, we came up with some financial guidelines this year that will ensure that we don’t find ourselves in a similar financial mess as in the past. These principles provide us with some framework when making family decisions about saving, spending and debt. As our family and income situation changes, we will develop a new set of guidelines to follow that help create healthy boundaries in our savings and spending habits.
If there is anything our debt repayment journey has taught me, its that you can accomplish anything with enough focus and intention. Knowing this has served me well not only in my finances, but in other areas of life. However, I have also come to realize that focus and intention are not enough, you need passion/drive. Why is passion so important, because will power alone won’t do it. Your WHY must be big enough.
I read so many other successful personal finance bloggers that have paid off much more than we have and in a short period of time. I always think to myself, “to pull this off, their why much have been huge.” I believe this to be true not only for financial goals but for any other goal one may have.
In summer of 2012 I moved to Calgary, Alberta in search of better employment. As a recent graduate with a master’s degree, I found myself with a considerable amount of student loan debt. Originally from Ontario, I decided to move to a province I have never been before, had no family or friends to assist me and was not sure of what to expect. My friends were experiencing similar limitations competing with millions of other professionals in Ontario that have had years of experience before the economic recession in 2008/2009.
Not sure how to plan for Valentines Day? Well as media and advertising tell us, every women wants a bouquet of flowers and some chocolates. So around Valentine’s Day flowers, chocolates, perfumes and jewellery are sold at a premium because that is what you are suppose to get…right?
Well I can only speak for myself and my husband, but as much as I appreciated the flowers my husband got me, I would have been equally if not happier with him using that money for something else that would allow us to spend some quality time together. For many years my husband and I spent Valentine’s day doing and getting what we thought the other person wanted, or what society told us they wanted.
It wasn’t until we were doing our pre-marital counseling course through our church that we were introduced to the book, ‘The 5 Love Languages: The Secret to Love that Lasts’ by Gary Chapman.