Goals pay for themselves

  1. Starting points, mile stones, and destinations are needed for goals to go on their journey. Each part of the goal should have a reward anticipated for a job well done. It makes the journey easier and actually want to accomplish the goal. Less likely to procrastinate. It breaks up the monotony of doing things you have to do and an excuse for doing the things want to do such as finish everything on to do list and then watch that movie. Deadlines help prevent procrastination too and get things done faster.
  2. Rewards give incentive to work toward a goal faster and with more gusto. A goal is needed as a road map to work toward as a light at the end of a tunnel.  A plan is needed to know how to accomplish goal and to break that goal into needed chunks one bite at a time.
  3. Goals keep you moving forward, gets lots of things done along the way and makes sure you are doing something and not going backward. It is good to write down goals and to look at them and to refer to them often.  Don’t just write down once and never look at again.
  4. Keep knocking down goals until you are crushing it. Goals keep dreams alive. If you don’t have a vision will have nothing to work toward and no goals to write down. Some say that without a vision you will parish, become lifeless without hopes, dreams and aspirations.



To Do List Calendar – all in one place.  Plan menu – save time eating and money – won’t eat out as much. Budget and money journal. Plan ahead when spending money not as you go.  Use cash when can instead of credit.

Everything in Order – Closet

Plan clothes out a day ahead of time. Even a week to a month in advance.  Take less time to decide what going to wear and will have more variety.  Have a system for clothes. Take one outfit out of the closet and put one in the closet

Morning Routine/Evening Routine

This is the hour of power.  Have 3 or 4 things would like to accomplish in an hour that you normally wouldn’t have time to do but want to make time to do.  These things could include: Praying, Reading the Bible, Exercising, Cleaning, Organizing, ect. Do first thing in the morning and just after work. This is like a pay yourself first. But not in money but in the use of time.

Time Journal

The journal lets you know where the time went.  What triggers happened to make you procrastinate?  What is the best time of day when you feel energized? Sleeping too much?  Not getting enough sleep?  What went well and what didn’t go so well?  Who is robbing you of time and what can you do about it?  These go in your journal. Look at journal often to see what is happening.



Time is money.  Plan 10 minutes to save an hour of time. Prioritize, Organize, A place for everything and everything in its place.

Know where your time

went.  Time Flies!



Set mini goals for the Day – That’s what a

To Do list does

When Budgeting is not enough to save money – A money journal

  1. A money journal is not just a budget plan on how going to spend money but how you felt when spending money and also what worked and didn’t work. The money journal exposes triggers that made you spend money or save money.  Write in your journal what was too much temptation or what wasn’t enough. The triumphs, victories as well as the let downs and starting over points.
  2. Money journals are good to look back on and even find patterns or trends of what your strengths and weaknesses are to you. You can look back and say, “I am glad I don’t do that anymore!” or “What was I thinking?” Look back to try and strengthen strengths as well as making stronger what your weaknesses have been.
  3. Money journals can include financial goals, dreams and aspirations. Something to work toward so you are not standing still or going backward. Know what you want to accomplish financially 6mos, 1 yr., 5yrs., and even 10 to 20 years from now. Plans of how you are going to accomplish these things could be thought out in the money journal. Now is the time to think about retiring or at least have an emergency fund.
  4. Money journals can be shared with financial partners so they can understand what you are going through financially and what your partners are going through. Now is the time to be sharing hopes, dreams and aspirations.

Events and ideas to spend less money

  1. Library, museums and student events come to mind for free or cheap ways of doing things to save money. Board games, card games, family and friends sports would also help to save money. Going on a spending fast where you don’t spend money except on necessities. This will help you distinguish between needs and wants. To avoid impulse buying use the 30 second, 30 minute and even the 30 day to 30 month rule depending on how big the purchase. Do you really need it, where is it going to go and how about do I have a substitute for this? Think before spending.
  2. Camping, fishing, hunting and gardening don’t cost much. They can but you don’t have to let it. Bicycling across the United States, and taking the tent to stay the night at low cost campgrounds. Couch surfing at friends and relatives going to visit anyway.
  3. Volunteer for a good cause to get free meals and/or a free show.
  4. When shopping with friends see how long you can go without spending money or even see how cheap or cheaper can be than the other. Just because you are at a store doesn’t mean you have to buy something. You can just look around and enjoy friend’s company.
  5. Festivals have a lot of free music, arts and crafts fairs and other attractions. They happen every year so be on the lookout for them. Know what your town or city is known, whether it be grapes, blue berries or even jazz.

When exercising at home is better than a gym membership to save money

  1. The gym has lots of fancy equipment for the variety you think you might need for a workout. Treadmills, bicycles and weights. Some gyms might even have an aerobics class with the balls and the steps. But if you think about it just cleaning the house can break you into a sweat. Bending over, twisting and turning, pushing, pulling. Well, that was my Mom’s reasoning, anyway so I thought I would throw it out there.
  2. A set of goals and even a to do list of the different exercises of the body parts working towards to make sure you are moving forward and not backward or standing still. An exercise diary along with a diet diary would be a good thing to see what works and what doesn’t work or anything in between.
  3. Pedometers, whether just keeping track of steps, miles or even calories. Smart watches get even more complicated with keeping track of sleep, motion and the like. Share with friends set goals or just be in the know. Make challenges to yourself such as I’m going to walk 10,000 steps today or 4 miles in an hour. A $5 pedometer is cheaper than a $500 treadmill or even a gym membership. Although you will have to keep track of all of this yourself at your own pace such as the calories burned, miles walked and steps took. It would be just like at the gym only better. You might even get some sunshine in with some vitamin d.

The benefits of brown bagging lunch to save money

  1. Buying lunch at the Café can be just as expensive, if not more expensive than just eating out. You don’t really get as much, it’s cheaper brown bagging lunch and you know what you are getting when brown bagging lunch. Even using a cloth bag of lunch with insulation can return its money after a few years. Washing the plastic containers used to store food make them last a little longer for a return on the money.
  2. A sandwich container would pay for itself instead of using Saran Wrap. There are all kinds of sandwiches out there. Just take two slices of bread and put a couple of slices of meat and/or cheese. Peanut butter and jelly is a classic but even a chicken salad or egg salad would be good too.
  3. An apple, banana or even an orange are some good fruits for side dishes. There are no limits to the imagination that could be used to brown bag lunch. Even left over from yesterday’s dinner could be used. A container to store water or other drink could be used. There are lots of different types of little drinkies that could be stored in a brown bag that are sold in the grocery store. From Yahoo chocolate drink, Hawaiian Punch to little huggies. When I brown bagged lunch in school, Mom would let me have a little money to buy a small carton of milk. Special days they had chocolate milk. By the time I got into High School, they had chocolate milk everyday.

When water saves money

  1. I had a couple of triggers that would cause me to buy pop. Actually a good three now that I think about it. I would go to my day care program and buy three cans of pop.  It was only 60 cents a pop but that was still $1.80 times the four times a day I would go. It really added up. So, I got me a water bottle and donated my mom’s ice cube trays to the freezer there so I can have ice with my water which makes the water tastes even better. I also brown bag lunch and bring my own snacks.
  2. On my days off I would go to McDonald’s after going to the library. When I needed to fill my tank with gas, I would get an ice Mountain Dew. Now I bring water with me when I am driving in my car. I use the same water bottle that I use at the day care center and fill it with ice from home.
  3. I try not to order pop or anything else than water to drink with my meals when eating out. Pop can run to $2 to $3 so I save that when just ordering water.
  4. I try not to buy pop from Walmart or the Dollar General even though it is cheaper it is still spending money I could be spending on other things. I try to stick with the basics and buy things that aren’t junk food.