What a long winter! Thank goodness spring is here! I’m looking forward to fresh air, birds chirping, and flowers blooming. As these signs of spring arrive, many of us start to plan our spring cleaning schedule and this got me thinking…We clean up our houses in the spring; yet, many of us don’t think to clean up our finances. The winter was harsh and we survived, but can we survive taking a good, hard look at our debt?
According to CNBC.com, eight out of ten Americans are in debt. Unfortunately, many of us have developed poor spending habits. We think nothing of spending more than we earn and our debt storm grows. Suddenly our bills are stacked up like a bunch of pancakes at IHOP. As the bills pile high, we continue to swipe away, thinking it will ease the pain.
In order to get out of debt and stop spending, it is important to look at the reasons why we overspend. Often, many of us were never taught how to budget or some spend to fill a void. Others spend to keep up with the neighbors or maintain an image. Whatever the case, discovering the meaning behind the spending will help us make a change.
However, this is harder than it sounds. I mean, how many times have we gone over our budgets while simply buying groceries? It is so easy to continue putting items in the cart and packing our homes and lives full of stuff. The next thing you know, we are cringing every time that bill shows up. It is like one big storm that keeps burying us. So once and for all, let’s dig our way out and get to the bottom of our destructive spending.
How many times have your heard someone say, there are already millions of people doing something, so you shouldn’t bother? Blogging could fall into that category. Yet, I decided to start a blog anyway.
There is definitely a learning curve in blogging. Nonetheless, in my journey, I have grown by leaps and bounds. Yet, I have so much farther to go.
Even before I started blogging, I did my research but still didn’t realize what blogging would entail until I actually got my feet wet. I spent countless evenings reading on Pinterest while putting my sons to bed. I read about how other moms started blogs and managed. It was interesting to learn about the mistakes and marvels of the fearless mom-bloggers before me. There are numerous inspirations and some day I hope to be one of them!
One blog that inspired me to get off the couch and start writing is Kristen’s Believe In a Budget. Seriously, a big shout out to Kristen! Moreover, this blog features tutorials on how to blog and gives you fundamental information on starting. She is also an expert on Pinterest, which is awesome if you want people to read your blog. She even emailed me back a few times when I needed help.
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