How mad would you be if you paid over $200 in overdraft fees in a matter of 2 weeks?
If this is you now, and you’re tired of beating yourself up because of the countless mistakes you make with money – let me help you change that.
start taking control now
I ain’t about fluffing up my post with nonsense – I like to get right to it. The quicker I get you the information you need, the quicker you can get started on making changes.
How I climbed out of rock bottom
4 steps to change your bad money habits:
1.Get organized by setting goals. If you need help with setting goals –Click here and read my post about goals.
2.Start distinguishing between what is required to survive, what’s a necessity, and what is a want.
- Required: Place to live (rent/mortgage), Food, Transportation (car note, gas, maintenance), Savings, Medication, etc.
- Necessity: Clothing, Power, Health Insurance, Cell Phone, etc.
- Wants: Cable, Netflix, vacations, Amazon Prime, Etc.
3. Inform your family & friends of what you are doing because you need them to understand how important this is for you and you don’t want them to feel any type of way when you decline family parties and/or activities. Truthfully, I needed as much help as I could get and telling my family was the best thing I could have done.
4. Make it a priority to review the worksheet once a month (before the 1st of the month), by setting a calendar reminder with an alarm. Update the worksheet according to what month it is and include any extra expenses like; Birthdays, Holidays, Events, etc.
download the monthly income & expenses pdf
So you’re here because you want to start taking control of yourself and your money?
Learning how to manage your money can be a little scary at first. Most of us are scared because we don’t know what steps we should be taking that would lead us to the financial freedom we seek.
I know all about feeling stuck, and my mission with this blog is to help you and anyone that may feel the same way. Stuck.
- 78% of U.S. workers are living paycheck to paycheck – and 1 in 4 don’t have any money in a savings account, which if you think about – is very scary. You can read more about it here
- I was lucky enough to stumble upon Dave Ramsey’s Financial Peace University , a 9-week course usually found at a local church near you. Financial Peach University has helped thousands of people. It’s a great financial program based on Biblical Principles on how to manage money.
- There are 4 easy steps you can start with right away. 1) Set goals by using my Setting Goals Bundle. Opt-In to our email list and download the bundle, 2) Prioritize what you need to survive, what is a necessity to live, and what are wants or goals, 3) Involve family and/or friends as you will need to include those closest to you so that they can support you and not impede your progress, 4) Create a habit of reviewing your monthly income & expenses worksheet at least once a month.
- I wrote a little E-Book and called it, “Take Control Of Your Money: A Beginner’s Guide,” which is a great place to start if you are new to budgeting or need a refresher. Opt-In to our email list and download the E-Book for free here.
- We want to help you learn about your finances and create an action plan to change your bad money habits. I use Google Sheets & other Google Products to help me manage the household. I’m giving you this one totally free so that you have no excuse and you start using it immediately. Click here to download.
- If you want to have your own editable version using Google Sheets – Click here.
Okay, I’m not going to take up any more of your times. Stay tuned for my next post about Self-Help Routines to help you relieve stress by creating productive habits.
Oh! I’m also working on an ONLINE COURSE about this subject. If you are interested in a more intimate step-by-step process,
Don’t forget to leave a comment below and let me know if this post was helpful