It is the Friday after the Democratic National Convention and I’m left with a ton of different emotions. I’ve watched two weeks of political conventions and I am left with a lot of different emotions. This is a personal finance blog and so this post will focus specifically on why I think 2016 is the year you need to get your financial house in order.
Uncertainty
This is a time of great uncertainty. I recently shared that I’m so concerned about this uncertainty that I’ve relaunched my debt freedom journey and my renewed goal to pay off my debts by July 24, 2017-my next birthday.
If you’ve put off paying of your debt because you are too overwhelmed, scared, unsure-I get it. I’ve dealt with those emotions too. As recently as this Spring. I’ve had to reboot many times and that’s ok. If you are rebooting that’s ok. Your journey will have twists and turns. It will be slow at the beginning and gain momentum as you get used to your debt freedom journey.
It’s amazing how quickly this extreme level of uncertainty has lit a fire under my butt and made it CRYSTAL CLEAR that now is NOT the time to be in debt or have your finances in disarray-regardless of who your candidate is.
This moment in history is unique in many ways but maybe the real lesson is the following: there is never a time for your personal finances to be a hot mess. Lesson Learned.
5 Days to $500 Dollars
I’ve created a very simple challenge to help people find and free up at least $500 in their current budget. Think of this challenge as away to “ease in” to a new chapter in your money journey. While I have some financial weaknesses one of my financial strengths is my ability to slay budgets and find awesome mindful substitutions that have allowed myself to live the same quality of life for a heck of a lot less.
I’m not interested in having you:
- Eat bad food
- Wear unappealing clothes
- Never have fun
- Be a martyr for the cause of frugality.
My frugality process embraces the following:
- Abundance-there is a ton of abundance in our lives already.
- Creativity-Sometimes you have to think creatively in order to find, stretch, and make money.
- Fun-I want people to have fun making changes to their financial life…instead of feeling like they are being punished.
- Realistic-Most people won’t be able to sustain an all or nothing process. I’ve found the happy in between to be the best process.
- Embraces intermittent hard work. Similar to intermittent fasting. Somethings you have to go big or go home in order to get “in front” of your expenses.
- Hard work-let’s be clear…you will have to work hard. Suck it up.
- Good food-I truly value health and wellness. I have no desire to encourage practices that endanger your health. No thanks to cheap and unhealthy foods. But, YES to cheap and yummy food.
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Positive thinking is what you need as well Michelle! Good luck on your goals. I know you can achieve them.
I’m trying to stay as positive as possible during somewhat stressful times!