Skip to main content

New Year, New Goals

Another year goes by in a blink of an eye.

I am always looking for ways to improve. I loved meeting my goal of losing 10lbs, even though it was hard I still kept my commitment and didn't give up so now my new focus will be on my money. I am in need of a financial makeover. My finances are just like my weight, not bad but there could be room for improvement.
Saving money is just like losing weight.  With losing weight you have to focus on calories in, calories out. If you burn more calories than you eat you will start losing weight.  Well, if you spend more money then you have then you have debt (I'll call that fat). So I will be focusing in on money in money out. This is going to be so hard for me because I love shopping! And I live too close, I am in walking distance to Target and the mall. What I'm a sucker for is the clearance rack. The most I will spend on a shirt is around $ not that much but adds up if you are buying 3 shirts at once.  Also, I'm huge on accessories, I love scarves, earings, bracelets, socks and when you don't spend over $10 its easy to justify it by saying its cheap however when you add it all up it can be over $100!!!
So here is my new goal:

I'll start with putting away 10% of my paycheck to savings. This is going to require a budget.  I want to see my savings account grow. So, just like how I decided to "eat clean"  I'm going to "spend clean"   My first challenge will be 30 days without buying  what I WANT. I have already wrote down what the necessities will be (i'm getting anxiety just thinking about it) and believe me it's  hard trying to determine what is a necessity and what is a luxury. I'll give you an example;  paying for a car wash.   Is this really a necessity?  To me it is, I'm going to allow myself to pay for my car to get washed...My car is black so when it is dirty it looks horrible and washing it myself is out of the question.
The temptations already started this morning. I want to get a little crochet bootie pattern. They are around $4.95..not a lot of money right?  But see, that is what I do. I always spend $5 here and there which could easily add up to $100/week.   I have to say no! This is hard for me. I usually don't even think twice about it but this morning I had to stop myself. I will be searching online for free patterns.

So I do have other goals I would like to accomplish however money is what I will be focusing on this year.
Hope your having a great start to 2013!


Popular posts from this blog

Get a Hobby!

Hobbies help you improve your mental health and well being because  you're engaging the creative network in your brain, you are challenging you mind and keeping it sharp. Its also a stress reduction. When you concentrate on your hobby it is clearing your mind of other distractions. It makes you happy! It makes you interesting! If you are married its important to have other things, separate things that make you happy.  Don't rely on your spouse to make you happy. You both need to find happiness in the things that you enjoy and since happiness is contagious it will rub off on your spouse. You also need to give your spouse space so they can enjoy things they love to do, its important to keep your identity in a marriage! You can still "find yourself" while being married. (I've been married over 20 years) You don't need to rely on people to make you happy! People will let you down, they have there own obligations they have to tend to so if you a

Your First Sewing Machine!

2020 has been a great year for sewing machine sales! Joanne's can't seem to keep them in stock. People making masks as well as others picking up new hobbies due to quarantine and with Christmas around the corner this might even be on your list! So are you looking to buy a sewing machine? If you are in the market for a new Sewing machine you might be a bit perplexed with all the different features. In fact sewing machines range from $100 up to..well there are some in the $12,000 range! So I'm going to keep it simple and share 3 key features to look for in your sewing machine investment. 1. Needle up/down feature : This means when you are sewing a project and you stop you can indicate that you want the needle down into the project so your fabric stays in place when you need to pivot or make adjustments to the fabric. 2. Automatic needle threader : this saves time (and frustration) by threading the needle for you. 3. Needle position right to left: This allows you to stitch

Car seat canopy covers

This is a must have in the summer heat I had a summer baby, born in July!  And I wanted her to have privacy when out in public but there was no way I was going to drape a blanket over her so as a sewer I came up with a solution! Moms are problem solvers!