Hey friends, it’s 2017. What’s your resolution? I’m planning on making a couple positive changes that I will hold myself accountable for all year long.
Resolution#1: Lose weight
This is a common one for most folks. I actually try not to make this resolution most year’s because I know I won’t follow through with it. This year is different though. I’m at my heaviest, yikes. After I gave birth to my first child, I lost the baby weight, yay!
I got back to my prebirth weight pretty quickly but then life happened. A series of stressful events took place in the next few years that caused me to put on around 40-50lbs. My mom got sick and passed away then 2 months later my son got diagnosed with autism. A lot was happening and I turned to food for comfort.
Years later I am feeling a lot better coping with everything but my weight hasn’t budged. I want to REALLY lose weight to be more healthy, most of all. I eat a mostly carb diet. Carbs and dairy yikes, so, me and hubby decided to go pescatarian for 2017! I’m super excited. It’s been 9 days and it hasn’t been difficult so far. Eventually, we want to become vegan. Baby steps until we get there but I think this is a good start. So with this big diet change, along with incorporating more exercise, I hope to lose some considerable weight this year.
Resolution#2: Become rich
Haha. Ok, not really, but I do want my family to earn well this year. Not to say we haven’t been earning well but it’s motivating to earn lots of money. You provide for your family, you get to enjoy more indulgences, become less stressed about finances, etc. I have some big things ahead with my blog and new blogs I’ll be launching. I’m also teaching courses and creating products and more! It’s gonna be a fab year. This leads me to resolution #3.
Resolution #3: Make smart money choices
I’ve decided to take part in Earnest’s UH-MAZING Money Challenge 2017!
Here’s an outline of what it looks like:
Being smart with finances is so important. In fact, it’s one of the reasons why I went into finance. I wanted to do something that I could learn from and become smarter in my own life. I learned a lot about tools for financial success, how to budget, and so many more valuable nuggets of helpful advice.
Understanding Your Financials
Here’s a closeup look at Quarter 1
In Quarter 1, you’ll see there are simple tasks highlighted for January-March. In January, take your holiday bonus and split into thirds: 1/2 to pay debt, 1/3 to put into savings, 1/3 for a treat! I love this idea. I think most either save all or spend all. This is a great way to split it all up evenly and even reward yourself.
In February, take a month-long break from your favorite coffee shop. What! I know what you’re thinking but you can do it. At work, I used to go to Starbucks EVERY.SINGLE.DAY, it was terrible. I worked at a huge company so there was actually a Starbucks on site in the building. A $4 coffee drink 5 days a week is $80/month, yikes. It adds up doesn’t it. Instead, try making your coffee and home and bringing it with you or try this: a coworker of mine used to bring a french press and keep it on her desk, pouring a nice cup of pressed coffee whenever she was in the mood. Great idea.
When March rolls around, set aside 10% of each paycheck to go to savings. If your employer allows, do a withdrawal to savings upfront so you never see the money. Does that make sense? So, you get paid. Before the money is deposited into your account, some companies allow you to take a portion and deposit into another account, that way to income that hits your bank account is after you’ve already put away your savings. I used to do this. It really helps.
Here’s Quarter 2
You can see how to year is broken up into manageable chunks. It makes it easy to tackle each part of the year and not have the whole thing feel overwhelming.
It’s super important to know where your money is, where it comes from, how you are spending, and how debt is being paid off. If this is the year for YOU to tackle debt and be a superstar financially, use this guide to help you out this year. Pin this image below as a reminder to keep you on track.
How can Earnest help?
They offer student loan refinancing. What would it mean to get your $600 monthly payment down to $300 per month? How would it feel to free up your monthly budget from loan debt to tackle credit card, save more, or put away money for your child’s education.
You’re gonna love the website of Earnest. They offer so many affordable options. It’s really easy to navigate the website and they offer tons of resources like student loan calculators, debt payoff estimates, and more.
Check them out and comment below to let me know about your 2017 resolutions!