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Resolution 2019 – February Update

Now that January is over, I thought it would be best to see if I am still making progress with my many resolutions. I know I have a lot, but I have a lot to change. I think going forward, I may write a post to keep me accountable for the list. So, here we go:

Check-in for Goals for 2019:

Four Months of No Spend in 2019
Not yet, but January I saw a dramatic decrease in my spending. Unfortunately, I had some personal issues at the end of the month that cause me to spend what I saved. I guess I am grateful for the savings as I would not have it otherwise.

February will probably be more of mindful spending and consuming. I am just asking myself those child-like questions, “Do you really need it? Can it wait? Why do you need it.”

Monthly Check-In with Hubby (Goals to Actually Work Together)
This actually happened because I sent him my list. I think I was trapped in doing things rather than thinking of actions and I was a complete mess in December. I was very closed off and was dealing with mental health issues. He made it a point to take, and from that, we were able to solve and restart some plans that became wayward in my mind.

Spend at least 1 whole day per week with my daughter
I know this sound like a silly goal, but I literally worked like every day last year. Much like spending time with everyone else, I didn’t feel complete and insecure enough to show her myself.

So, the beginning of the year was rough because I really didn’t have the time. I took off in December to deal with issues.

However, because I can set my hours and she had a HORRIBLE teacher this year. We decided to pull her from school and home school her. It is a scary thing to be in charge of your kid’s lessons, but last week was magical. She wanted to hang on me and talk to me. We were bonding, it was a very positive experience.

No social media 30 minutes before bed (alarms work great)
Yes, I slipped a couple of times, but for the most part, I been making this resolution. It feels great to take a break from the cyber life that we all create.

I actually didn’t spend much time on any social media. I didn’t have time, because I wanted to focus on these resolutions and my challenges. I am posting more on Instagram, but the pictures are always real. I much rather have two followers on IG than 2,000,000 followers and be pressured to live an artificial life.

No phone for 1 hour in the morning
Not so good at the moment. I started strong but my work is weird, and I get calls and text as soon as I wake up. I have been good at not going on social media for at least an hour, but the no phone rule is pretty tricky for me to do every day. I am still trying tactics to get at least a month to no phone in the morning.

Be in bed at 11pm, Lights out by 12am
This has been the most comfortable resolution. Now, I get tired at 11pm!!!! I have a feeling no social media before bed is helping this goal. I also have set two timers. One at 10:30PM to remind me to get ready and one at 11PM to get ready for sleep. It’s been amazing, and I am really proud of myself with this goal.

Journal for Ten Minutes Each Day
I started out loud, but then life happens. I haven’t touched this for at least ten days. I am not taking it as a bad thing because the pages are not going anywhere. I think I am going to change it to write three sentences a day. It was my old rule, and it seems to work well as a prompt. I will let you know how it goes in February.

Pay at $12,000 off (interest is too high)
With arduous work and support, I have paid $1500 this month ūüôā

Spend 1 night with my husband a week (No Interruptions)
This is actually a lot easier when there is no social media presence. You are kind of forced to talk to each other. It’s almost like the bad habits I was picking up came from my desire to be perfect like my friends and influencers. We talk to together. I love it.

Call, Email, Text, or Meet at least one person per day
I have done this goal, and sometimes it is SO HARD to accomplish! I am not a social person. I don’t even know how to start a conversation. Luckily, the few people in my life are amazing and understand my limitation and for now are OK with texting and the occasional GIF.

Try to find ways to work online (shop, blog, freelance)
I have, but not really. January was a hectic month. In February, I am going to really work on my pet store. I need money, and that has to be my focus. I can’t keep putting it off because I am afraid of being a failure.

Continue and Research ways to make money in a smart way
I read articles, watch a video and listen to my other half. All have to give me really great advice.

Build a solid client list for Pet Care
It’s coming along, but I put a freeze on new clients this month. There is so much going on that I thought it would be better to love the clients I have and focus on my personal issues.

10 minutes of Cleaning each Morning
Easy with a timer…I find myself going over the set timer sometimes.

Complete Two: 30-day Declutter Challenge
This is hard. I wrote a blog about how I really don’t have much. I mean I could delete emails. I really don’t know. I am still in the middle of the challenge, but instead, I think I might actually just consider it as getting rid of 460 items rather than a 30-day Challenge.

Check in with Ex at least once a week about my daughter and discuss any challenges
I have done this, and yes, it has been difficult. I care about him and his wellbeing, and it is equally essential for my daughter’s well-being. She sees everything and absorbs everything. This has to work for her sake.

No clothes buying unless needed
I did not purchase but any clothes in January.

Fix my Teeth ASAP
Step one, completed and I am SO happy. I can eat! I have another appointment on the 9th as a follow-up.

So, this is just a simple post to let you know where I stand in my resolutions. How are you doing?

#update #resolution #2019goals #goalsetting #joy #happiness #entrepreneur #nutrition #healthylifestyle #inspiration #gains #business #getoutside #lifestyle #dreambig #eatclean #life #selflove #hardwork #training #gethealthy #exercise #successmindset #muscle #nevergiveup #motivationalquotes #mindset #family

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Paying Down Debt in 2019

So, my last post for 2018 was one of the hardest things to think about or comprehend constructively. It is that lovely taboo topic called money management and debt.

When I quit my job, I quickly realized how much spending I was doing on a daily basis. The two significant factors were mindlessly spending on little things and just giving my money away because it felt good to help.

Starting my own business made me much more careful about how I was spending my money. So, I am not an expert in finances, and I will never claim to be because there is SO much more I need to learn.

However, in 2018, I did accomplish some goals as I became mindful with my relationship with money. The most significant accomplishment was paying off almost $10,000 in debt. I still have $31,000 left to pay off, but it does feel good to know my debt is going down rather than up. My debt really isn’t on any significant spending but rather a big student loan and medical bills.

For 2019, I am going to try to pay off at least $12,000 in it. I want to finish paying this off because I need to start spending more time with my loved ones. I miss having the ability to take my daughter out. I miss just having time. So, being mindful of my time and spending has hopefully help me with the ability to accomplish these goals.

Here are some approaches that I used in 2018 to help me reduce my working time and also to have the ability to pay things off. I hope to use these same skills to improve my outlook for 2019.

The biggest habit that I acquired in 2018 is making more intentional choices on how I spend my money. I also realized that I have people that I can ask for help whether that was with actual money or with time. I didn’t understand how closed off I had made myself until I needed help on the one thing I prided myself in doing.

The first thing I realized is that easy shopping was not my friend. These small purchases were too often and collectively impacting my life. There was a lot of mindless spending on a daily basis that indeed was inhibiting me from paying off my debt. I took for granted my “fixed” income and my “fixed” payments and used the rest of my money without overthinking on its impact.

I would tell myself that I wanted to save $200 at the end of the month, but when the month ended, I had zero money in my bank account. It didn’t take long for me to see that that was not a sustainable way of living. I wasn’t reaching any of my goals. I wasn’t happy with my spending habits.

I started embracing my reality and intention that I still was avoiding. It was easy for me to donate or sell my belongings, but it was harder not to replace them. I started to do small shopping bans like staying off of Amazon or only spending what I had in my wallet for a day, week or month. These little gestures really helped to have enough money to pay my bills.

For 2019, I really want to align my finance actions with my real value. This starts with having a conversation and writing about my intentions. My husband knows my plans and having someone who is understanding to your needs is excellent. I have no problem asking questions about money and researching about how to save. I thank him for that gift.

After realizing how I was spending and being comfortable with the idea of money. I started to take stock of the big money picture. I think that’s one of the scariest parts of personal finance and it has taken me a while to comprehend. I still continue to struggle with acknowledging the state of my money flow without judgment. I just know you have to start and I do see that I am getting better with paying attention to my spending and income. It only takes time and understanding that it’s not going to be perfect and it will never be perfect.

For me taking stock means logging into all of my accounts and writing down what the balances, both the positive or negative. The big picture is not about feeling good or bad about your situation. It’s especially hard if it’s a negative experience to log in and seeing all the negatives and zero numbers, but it’s not about just looking at the numbers. It’s looking at all the different accounts that you have and making peace with your current situation.

You just have to review it. When I took stock of all the accounts that I have, the next thing I thought of is what can I get rid of to save money. It’s not just about paying off debt right away, but how many accounts or subscriptions do you have that you don’t even use.

I try to have as few accounts as possible. I’m all for whatever works for you, but I think it’s easier to have fewer accounts. It makes my life more straightforward in my budgeting process. It’s just fewer things to track or to manage. It makes sense for me and my time and to not get overwhelmed by so much information that I am just trying to comprehend for the first time.

One of the biggest mistakes I make and guilty of so many times this year is mindlessly spending without keeping track of where my dollars are going. I know that this isn’t the most fun topic or the most fun task to think about but tracking my spending is essential. Not only does it open my eyes to my behavior with money but it gives me a small moment to check in to see if it aligns with my intention.

I do weekly check-ins. I look at all of the numbers and ask myself does it align with my goals and my value. If not, I ask what I can do for next week and really understand why I didn’t meet these goals. Keep things simple when doing this type of check-in and have it fit your daily flow. I do it Monday morning. I make coffee, I sit down, and I log into all of my accounts. I track my spending and then I double check all the balances on my accounts.

There are things you can do if you’re unhappy with what is happening to your accounts and cash flow. It helps me stay focus by taking small steps and trying to figure out what my goal is for the following week. I find I am slowly changing my mindset from I am “ok” to know precisely what I need to know about my finance and it feels good to see the progress that aligns with what I really want.

One of my favorite things about personal finance is that it’s personalized to you, so everyone’s numbers and decisions are going to look different. There is no judgment in that it’s just figuring out what makes you happiest what you’re okay with spending money on and then getting rid of everything else.

The things I spend money on I try to make sure those expenditures align with my values. The biggest question I ask myself and my final tip is before you make a purchase or pay off a bill, ask when or not it is worth your time to invest. After my basic needs are met, time is the most valuable resource.

I keep this question as a fundamental practice when making any decisions of spending. “Do I actually want to spend money on this item and it is worth my time to pay it off? “

I hope this makes some kind of sense to you. Again, I am new to understanding money, so if you have any advice, please share. I would love for all of us to pay down debt and live a more fruitful life in 2019.

Happy New Years!

#budget #debt #debtfreecommunity #finance #financialfreedom #help #livingsimple #minimalism #Money #moneyhacks #money savings #moneytips #personalfinance