Money Matters

You know there’s a lot of talk these days about money matters, finances, how to build your legacy.

People showcase what they did at twenty-five, they speak to how they retire and set sail around the world.  They entice you with intriguing words that usually sound like “RICH” and boom, you are hooked.

I mean come on, who doesn’t need a little extra green face value in their pockets. Who doesn’t want to retire with more than enough to live, to survive and even enough to help others?  But then they say pay $300.00 for the next steps.  And you are like what!! If I had an extra $300.00 to pay for a class, I wouldn’t be online with words prefaced and italicized as “FREE.” 

Well, these next few blog post are going to be focused on FREE financial advice.  Oh no, I am not an expert and I do not have seven figures (yet) that I can show you. What I do have is experience in being in a place financially that was not favorable, and I am still learning how to not go back there. All of what I will share will be elementary for some, but that is often where one needs to be when trying to start something.

Finances are like water, its flowing or a drought.  You sometimes win, and sometimes you lose. But I can offer you these steps to start saving that I am using to kick start your savings plan.

1. Don’t let the bigger picture stop you – Yes, the end goal can be disabling to establishing the beginning. All you can see is what you want to attain say in the end. Most people people’s first financial goal is to have six months income in reserve at a bank. So, let’s say for you that looks like $1,200.00 and in your mind it’s completely out of reach. But if you stretch it and say that is two hundred dollars a month, or fifty dollars a week, it sounds better, right? But don’t stop there, that fifty a week can become say $7.00 (rounded down) a day. In your mind you think it’s impossible to save 1,200.00 in six months (free and clear), but can you save $7.00 a day? That may mean no more Starbucks, or eating lunch with the crew at work, but if your goal is clear and you are ready to make that move, it is in your will so just do it.
2. Determine supplemental opportunities – there are so many moonlighting opportunities, or contingencies that you can take to get that $7.00 a day. Keep in mind, you want to save two hundred a month (now of course if your goal is larger reconfigure) or seven dollars a day.  If you look at sites like DoorDash.com, Instacart.com, GoPuff.com, you can work an extra hour and get that covered with no problem. If you want more, work more, right. This an jump start your plan (or even help pay off some bills).
3. Be-come Disciplined – You see I didn’t say be disciplined, because for many it is hard to say NO to self.  We want what we want and often feel that it is deserved.  Don’t get me wrong you do deserve it, but you must be willing to be disciplined to attain your goal. You must Be-come (begin to be) which means each day you try, each day you have a made-up mind, and each day you come into alignment with your goals.

Come back for the remaining three steps to as we build together a better financial footprint for our lives. We are in this journey together and will become better money managers.

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