How Proactivity Can Impact How You Think and Use Your Money

I have started reading 7 Habits of Highly Effective People (by Stephen R.Covey)….again. This time, slowly and intentionally, being sure to create parallels in my own life of which I can learn from. I am also taking the time to do all the exercises at the end of each chapter in order to really master the practical applications from the book. This book is of course, a habits book and although there is a lot of theory in this book, there is so much practical application that can be drawn from it. Chapter 1 alone, which focuses on the habit of being proactive takes 30 days to complete if you follow the exercises outlined in the book. I will be reading this book in piece meal for a few months as I internalize what I learned and turn them into habits.

Continue Reading →

When Life Gives You Lemons…

started thinking how much time I wasted trying to think of what I could have done differently, even for things I had no control over. I analyze things; it’s kind of what I do. But sometimes, your strongest skills can also be your biggest weakness. Crazy how that works. All those analytical, perfectionist, worriers, sceptics know exactly what I am talking about. Sometimes I envy my husband’s ability to be so chill, relaxed and not worrisome about life. “Things will work themselves out”, he always says and for the most part they do.

Continue Reading →

15 Ways to Get Closer to Reaching Your Goals

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.

Continue Reading →

5 Financial Guidelines We Follow in 2017

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.

Continue Reading →

Your Why Needs to Be Strong Enough

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.

Continue Reading →