Prefer to see video?  Me too, click this link to see the same message via video: 

https://www.youtube.com/watch?v=aQL0R1hmxUo&feature=youtu.be

 

On the heels of Amazon Prime day and Christmas in July…. I know there are pressures everywhere you go to spend money.  I personally find it VERY hard to say no to that spending too. 

 

What worked ultimately for me was putting a face to the things that I wanted my money to be used for.  5 years ago, that face was starting my own business.  All of the spending I did before then on hair products, clothes and the gamut of new and trendy “things” became so much less important that creating a life of choice and purpose. 

The truth is, when it comes to our money, many of us ‘wing’ it.  And wonder at the end of the month how we’ve spent so much. 

Or we are taught that our lives are dictated by our checking account. 

But I’ll challenge that notion because we can flip that by putting our values first and make spending decisions that better align with our true selves. Spending doesn’t happen in a vacuum, and with a little knowledge and mindful actions, we can re-direct our money habits towards those things that truly do provide joy. 

 

The first step to that is a budget. 

 

A budget is nothing more than a plan for your money, and you can budget for anything you want!  The point of budgeting and tracking your spending is making sure you are covering your essential needs first, then your savings and finally the “Fun money” or “stuff” that is beaconing you that month.   It is NOT about deprivation; it’s about directing your money to your actual priorities BEFORE it disappears. 

In fact, most people believe their investment plan is the most important factor that influences their long-term wealth but that’s not necessarily true!  It can be what you save and what you spend that can affect you much more.   Many of us have NO idea how much we are spending on non-essentials.  Budgeting starts as awareness, where is my money going…from there I get to decide, is that where I WANT it to go?  Is there a dream or a goal that I would find more joy in accomplishing? 

 

I’ve got news for you.  You CAN tell your money what to do, and where to go

Businesses and corporations – What if they decided they were going to “wing it”?

Or the people down the street building a new house.  Like them, our financial house is best started with a well laid out plan. 

Being intentional helps us move in the direction we want to go, avoiding the push in other directions!

Budget....goals...joy

So, if you’re not sleeping well at night because of your money.  Or sick of feeling financial regret and wondering where your money went.  Try this. As Mel Robbins says, “It’s simple, But not easy”.  If you have questions on how to do it, or where to start, as always give me a shout, I’d love to help. 

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