Okay so we are about halfway through 2015 already, so time to re-evaluate my yearly goals and see where I am at. As I said back in December, I try to shy away from “resolutions” and instead make myself a yearly goal list along with “mapping out” how to attain those goals.
In the eating more healthy part of my yearly goals: I have achieved a few small changes this year and although haven’t lost a ton of weight, I am establishing new healthier habits, so I feel good about that. A few changes I have made: not drinking soda on a daily basis, drinking my coffee black in the morning (no more creamer and sugar), I am eating at least 5 servings of fruits/veggies on at least 4 days a week, and I am trying different foods more often. Baby steps!!
In the financial part, where I had set more goals for this year, I am head above water, so to speak. I have paid off 2 small credit cards and am in the process of re-financing my home to a lower interest rate and consolidating the 2 major credit cards that have been a huge hurdle for me. I will be very happy to have this done and to cancel those accounts out for good! I try to stress to both my children, no credit cards! Once you have a bigger amount of debt, it becomes a burden and is very hard to ever get paid off. I have also taken on more financial debt as my son needed braces. We are also in the midst of wedding planning with our daughter, we will be gaining an awesome new son-in-law and are very happy for them.
So far this year I have been unable to switch back to the “cash only” or envelope budget method, and haven’t really been focused on it. I would still like to re-focus and get it down, because our weekly spending is just crazy! We don’t really follow a weekly “budget” per se, and it is really burning money up quick! I am not going to lie, July is looking quite busy with running- so I am going to plan for August to be the month I get back on board with the cash only weekly budget system. Fingers crossed I can get my hubby on board and we can really focus and get on track with it! I know it would work- it’s just a matter of sticking with it. It’s breaking a bad habit, which is just spending without really knowing how much until it’s too late.
I know that come the end of this year I will be able to cross off most of my list, and that makes it all worth it! I am not a money guru, I just have to take it step-by-step and try to get better with financial decisions.
How about you, how are you doing with goals you may have set for the year? I would love to hear from you! I hope all have a very blessed weekend! Happy Independence Day to you and yours!