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 I enjoyed teaching how to set goals and stick to them. It’s true, many of us have a clear vision of where we want our lives to be. Yet, finding the next step on that path can prove to be difficult. Although research shows many New Year’s goals go to the wayside by February, studies also show people who write down their goals are more likely to achieve them.
Many goals are financial, personal or health-related; whatever it is you want to work on, you will need to set up a plan of action. In my post below, I will teach you how to set goals with three examples. Use my examples to start your own plan of action! Don’t worry if you fail, you can always adjust your goals down the road and learn from this. You can do this!
Here is a free Goal-setting Printable PDF to help you on your journey! Goal Setting
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 work out 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 pay 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 2019 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!
Do you still need to do your Christmas shopping? Wondering what to get the lady in your life? Sometimes the people closest to us are the hardest to shop for.
It takes time to search the Internet or brave the mall to pick out a gift for your girl! Instead of using your weekend to shop, take some pointers from my gift guide below and you will have a happy momma this year!
No worries if you are a last minute shopper. These gifts are all found on Amazon which offers two-day shipping. This is a great time to sign up for that free trial of Amazon prime if you are not a member. You will get free two-day shipping and will have a no hassle Holiday. Try Amazon Prime 30-Day Free Trial
So 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.