We often hear people talk about a need versus a want and the impulse to spend? However for the average impulse spender, this may sound like a foreign idea. If we want it, we need it, right? Impulse buys are one major way to throw off your budget. Nonetheless, being able to have impulse control over spending could really save you money.
You may be asking, why would I want to do this? I like shopping! I love treating myself and I love the thrill of spending!
Yet, do you ever have that feeling of emptiness after you bought an expensive item you didn’t need? Have you ever bought something to make yourself feel better? Well this post is for you (and let’s face it 90% of us have-including myself!) Retail therapy used to be my stressor’s best friend.
So what is a need?
There are the basics. For example, we need food, water, clothing and shelter. Additionally, paying your mortgage/rent and utilities are big needs. If you have children you will need diapers and baby food. Additionally, we all have transportation costs. In fact, needs vary from person to person. Therefore, prioritize what you really need. Then if you have money left, buy your want! (That’s after saving too.)
Failing to plan, is planning to fail. – Benjamin Franklin
Goal setting… A way to reach for your dreams. As a former teacher part of my job was to teach kids to believe in themselves and set out to fulfill their dreams. It’s true, many of us have a clear vision of where we want our lives to be. Yet, we have no idea how to take that next step on our paths.
Nonetheless, setting goals is a big part of achieving your dreams. Yet, if you are ready to do what you need and want to do, you will need a plan of action.
Many goals are financial, personal or health related; whatever it is you want to work on, you will need to set up a plan to reach high and meet your goals. You’ve got this.
Looking forward to that bookmark of the New Year and making resolutions? It feels like a weight has been lifted and a fresh clean slate is readily waiting.
I’m excited about what the New Year has entail for me and my family and I’m wishing you all the best, my friends!
As it is the norm to set personal New Year’s resolutions, it is also important for me to set some blog resolutions as well! I haven’t always been a fan of resolutions because I believe, if you want to do something, you should just do it! However, I do get it. It just feels good to have a deadline to start anew and try to do things differently in the new year.
I’m a planner by nature and having something written helps me drive my car into the right direction. I’ll be driving towards success this year (I hope:-). So come along with me for the ride!
I’m hoping to improve my blog and learn as much as I can in 2017. So without further adieu… drum roll please… here is what to look for in my iheartfrugal.com blog in 2017!
Wondering what to do with all of those small little burst of Christmas joy you received in the mail this year? Christmas cards are such an old, fun tradition and they make us feel all warm and fuzzy inside. Opening up Christmas cards is the start of the Holiday Season for most! Pretty glitter, cute pictures, Holiday scenes…It is no wonder we rip open the envelope immediately upon receipt.
Nonetheless, I was raised not waste. I often wonder what other people do with the cute pictures I spent tons of time on. You know, all the fun of picking out cute outfits, getting pictures, typing or writing address labels. Not to mention, these sweet little well wishes cost money?
Don’t get me wrong. I love this thoughtful tradition as much as the next. With that being said, I have to admit, I have a hard time throwing away Christmas cards. It could be my sentimental side… People took time out of their busy lives to send me and my family a special Holiday note. What a great way to say you care.
Anyone looking to workout in the New Year but an expensive gym membership isn’t in your New Year, New Budget plan? Of course, most of us have the best intentions to get into shape and stay healthy in the New Year. For this reason, good results can come from hiring a personal trainer and hitting the gym 3-4 times a week, right?
No doubt, it is discouraging that a good workout has to cost so much. All things considered, paying $50 for a gym membership and an extra $20 for classes or a trainer is too much for the average person.
You may be thinking… I have to pay in order to stay healthy and do something I don’t necessarily look forward to doing? I’d rather just hang out and watch a movie! (Yep – That’s me!)
Staying Healthy on a Dime
Moreover, since I think health is a top priority, I had to figure out a solution. Can you workout and stay on track with your budget? Of course! Where there is a will, there is a way!
Ahhh… The New Year is upon us. Many look at the New Year as a time of reflection. A time to reevaluate what is working in our daily lives and what needs a facelift. Yet, in all the Holiday hustle and bustle, we forget to reevaluate one important thing…our budget. After the Holidays, many are left with mounds of credit card debt and are left thinking, “Now what?” Where are the funds to cover the debt. or to pay the bills?
Moving forward, it is best to enter the New Year with a fresh outlook on your budget, among all the other resolutions that come to mind. Furthermore, you are reading this post, so you are making a step in the right direction. As you plan out your resolutions, keep your budget as a top priority! Staying within your budget in 2017 will help everything else fall into place like a key into a lock. With a few simple budget calculations, this will be a great year for all of us, my friends!
Here comes another round of Target deals! Take a look at these deals now before the ad comes out and plan to shop on Sunday.
This week Target has a lot going on! People will be out last-minute gift shopping and Target is ready for you! Shop online or in stores but paying attention to sales will help you stay under budget! I hope you find what you are looking for during this pre-Christmas week and I hope you got a great deal on boots last week! Here we go!
This will definitely help if you need a last-minute gift for the lady in your life!!
Still need to do your Christmas shopping? Wondering what to get the lady in your life? I know I am still not done. I tried so hard to stay organized this year but it looks like I’ll be making another trip out to the store.
If you don’t want to brave the retail lines this week, shopping online is still a great option. I’ve compiled a list of gifts for you that are budget friendly and a one stop shop… Amazon! There is still time to shop all these gifts listed below and you will receive them by Christmas if you act fast!
Reading through my posts, it occurred to me that I haven’t given you, my readers, much information as to why I chose to start a blog. I’ve been posting my recipes, deals and tips, but before I go on… Let me tell you a bit more about myself!!
Since I was young, I have always had an interest in writing. I aspire to write a book one day. (As I continue to research about blogging, I’m finding it is possible with an e-book). I know I am not the best writer out there, but I enjoy it, so that is good enough for me – and hopefully you too 😀.
I have also enjoyed writing in journals through the last few decades of my life. Writing is so therapeutic and relaxing. It feels good to put those words on paper!
Life as a Mom
Fast forward, I am now a former special education teacher turned homemaker! Yet, I really never dreamed of being a stay-at-home mom. I used to tell my mom that I would go back to work when I had the baby, no problem. She advised me I would change my mind once I saw my baby… And once again, mother knows best.
Looking forward to Christmas brunch this year? Me too! I love the Holidays and food is a very important part of all the celebrating. After watching the kids open gifts, a yummy brunch is a great way to feel full inside and out. Prepare your brunch with love and the family will love it!
Maybe you are hosting guests and would like to have something to offer them as they wake up on Christmas morning.
I’m thinking of memories of Dad making his infamous pancakes, sausage scent filling the house and that special syrup reserved only for Holidays, Mom would whip up. This is making me hungry!
Christmas brunch is a special time to sit as a family and remember what the Holidays are all about. After spending money on gifts, decorations and Christmas cards, it is usually the last thing on one’s mind…to buy more food for the morning.
If you enjoy living a frugal lifestyle or the Holidays are hitting your budget hard this year, this post will help you come up with a great brunch, that will break your belt buckle and not your bank!
Let’s try to keep our cost down to under $12 for our entire Christmas brunch. (Remember brunch is breakfast and lunch, so that is $6 per a meal.) Here are some awesome food ideas that will wow and keep your loved ones, big and small, full all Christmas morning.
**This post contains affiliate links. If you click a link and make a purchase I will receive a small commission, so thank you so much!!!