YES, 2013 is almost over and 2014 is right around the corner! Are you ready! Are you in a better place NOW than when you started in 2013! Are you in a more worse position! Are you shocked that you have done so very little this year? Are you happy that you have progressed so far in just one year? Surprised or shocked?
So what are you going to do differently this year? Do you have any idea? Well, let me help you. It's not over. Don't even beat yourself up for not accomplishing ALL you wanted to for the year! It's okay. This is your new day! Get busy and make the change. What are some things I can do to have a different look at the end of this upcoming year.
First, work with the end result in mind. You know how you want the end of your year to look like, then take the pic. Focus on that ending constantly. My former Mary Kay Director would say "That which you focus on, will expand." Focus on where you are going. Act like that which you want to become. You can do this. Write it down. That is truly priority. You MUST write everything down you want to accomplish!
Many of us want to change our finances. We want to do better. WE want to have more. Well, let's take the first step! Become a $5 Challenge Person! What is that, you may ask? Here it goes!
1. Designate a purpose for your savings. Why do you want to save this money? Once you designate that purpose.
2. Get 12 envelopes and write one month on each envelope.
3. Place the $5 bill in the respective month's envelope everytime you get a $5 bill! At the end of the year, count your $5 bills and use it for the purpose that you initially designated it for! Voila! This challenge is so much fun. Let's say you go to the store and spend $3. You give the cashier a $20 bill. You know you have $17 coming back and $17 you can spend on something else. Well, the cashier in turn ives you (3) $5 bills and (2) $1 bill. Now, you have $2 to spend instead of $17 because, those (3) $5 bills go in your envelope! Isn't that something! Get ready! Try it! You will be glad you did!
Another idea is the
52 week challenge! This challenge allows you to start small and send great results at the end of the year. Just begin by depositing $1 in week ONE, then deposit $2 in week TWO, then $3 in week THREE and so on. By the end of your 52nd week, you will over ONE-THOUSAND DOLLARS!
One last savings idea is to save all your loose change! Anytime you have loose change, just place it in a jar and watch it grow! Small change adds up to big dollars! I know you can do it!
Some of you may begin with all three! Some of you may have already tried some of these ideas, so share them with others. If something is good, then share it! Let's make the world more fiscally responsible. Let it start with YOU!
Unexpected expenses arises and you have NO savings. YOU are about to snap. You are at your wit's end!
Your mortgage is 2 months behind because you mortgage almost doubled in 2 years since you built on undeveloped property. You knew what you should have been paying and did not set the other money to the side. Maybe you got into your home but you had an ARM (adjustable rate mortage) and this caused you to get behind because those payments kept rising but not your income. You're tired of the mortgage folks calling the first day after the due date....day after day after day and sometimes 2x a day! Ugh! Pluuuuezzzz STOP CALLING ME!
All you want to do is breathe. Breathe. Breathe. You want to smile. You want to get a good night's rest instead of worrying about if you are going to lose your home and/or your car. Is it possible to just breathe. Can you get your head above water?
Guess what? You can!
