The Finish Line

Fifteen minutes after my last post I found myself reading a “success story” post.  I love these, and this one was all about how this couple paid of 40k in debt in two years.  What’s not to love about a success story like that? And while they listed five tactics they used, the first one started with the great words of wisdom “set your finish line before you start”.  Let’s dig into that nugget of wisdom and get a little closer to a budget. Continue reading “The Finish Line”

If It Makes You Happy

Last week I talked about taking some time to list the things that make you happy.  I said that list would help you refine and define your priorities. And hinted about how we’re building up to the big idea that every penny we have or spend is based on our choices.  And I’m a big believer in the idea that our choices should mostly be for things that make us happy. You can’t do that if you don’t know what makes you happy. That’s pretty straight forward stuff right?

So like magic you’ve had a week to think about the things that make you happy.  Now I’m going to help you classify those happy things to make sure you’re heading in the right direction. Continue reading “If It Makes You Happy”

“Budget” is not a bad word.

It’s really not. But as soon as I utter the word I see the side eyes. I see the guards go up. You suspect I’m about to tell you to stop spending money on something you love and if one more blog tells you it’s possible to retire next week if you just give up your daily coffeehouse coffee you are going to scream. Because you would rather never retire than give up that coffee. And that’s ok.

Let’s start with this: A budget is not about limits and feeling bad. Life is limiting. Reality has limits. We can’t all marry Brad Pitt or figure skate in the Olympics. The good news is we don’t all want to marry Brad Pitt or figure skate in the Olympics, so most of us don’t feel limited by those particular realities.

A budget is the same way. Sure, it’s going to have limits (because of reality), but most of those limits aren’t going to bother you. And surprise, it’s the limits that will bother you that are why you need the budget most of all. Continue reading ““Budget” is not a bad word.”