How to: Save money for the bigger deal stuff

We all have intentions to save but to follow through with it, is another thing. I’ve made a list of ways to save that will actually work if you do them. Don’t think, just do.

Eat out less and make your own beverages.  Everyone has that one drink they like to splurge on in the morning or after work to get them through. For me this is coffee in the morning or right before work. It really doesn’t matter the time in the day as long as it’s before 3 pm.  It doesn’t help that Caribou is right across the street from my work.

However, when you add up how much you spend on going out to coffee shops or eating out at restaurants each week, you will be shocked at how much you are spending.  Instead, invest in a great coffee machine. I’m the type of person that doesn’t like making coffee (I’m a little bit of a zombie when I first wake up) so I use my Keurig.  If I want a phenominal cold brew I go and buy it at Sam’s club in bulk.

Using apps like Ibotta and Checkout 51 are great! They give you cash back for groceries. Ibotta gives you money back just for signing up and referring people.  Cartwheel (from Target) is another great tool. I don’t use it as often but it can come in handy at times. They are free to use and very simple to figure out.

Plan ahead and have a few back up plans. Life has a way of throwing us challenges and at times, when we least expect it.  Example: car breaks down, laid off from work. Things happen and we need to have a plan of some sort to solve the problem.

Having a “cushion” of money for unexpected things is important. Also we need to have resourceful people to call.  This can be extra helpful when things happen. Make sure you surround yourself with people who care and have a heart to help.  On the flip side, be that person to those around you. I truly believe that what you put out to those in your world, comes back to you.

 Make a plan and follow through. Once you have an idea of what you want your goals to be, make a solid plan.  Break down the steps to each goal. For instance, if your plan is to buy a house, make sure you write down all the steps to get there.  What goals are you gonna need in place in order to succeed in this endeavor? Don’t be afraid to ask people that you trust and have the resources you need to create each step.

Be consistent. Consistency will cause you to make your actions a habit. Good habits produce good results.  If you are consistent it will cause you to get what’s needed done. Consistency builds faith, trust, habits and lifestyles. Overall, it will improve your life if you are consistent with your plan to success.

Have Accountability. This should be 1-2 people who you trust the most and understands what you are trying to accomplish.  They can make the journey with you.  These people should have a certain criteria. They should be leaders that are driven, goal-oriented, follow through, understanding, dependable, gentle but honest. If they don’t possess these qualities, they will lack on holding you accountable.

It takes a certain amount of maturity to hold another person accountable to their actions.  If they themselves can’t follow through on positive action steps, how can they expect to lead someone else to do it? Choose an accountability partner wisely.



7 reasons why honesty is important in relationships

Honesty is essential in healthy relationships. It has the power to build, empower and grow relationships. I will be sharing with you, what I believe are 7 reasons why honesty is important in relationships.

Let’s start with the first reason. Honesty builds trust. When we are honest with one another we learn to trust. We don’t have to wonder what is being hidden or kept secret. Naturally we are at ease in our gut because we know the other person cares enough to tell us the truth.

Honesty doesn’t always feel good at the time but we can appreciate it because the person being honest is being vulnerable.  They are taking a chance at trusting you with the truth. These people understand that what they could say, has the potential to hurt the relationship. However, they care about you and want a relationship that is built on the truth.

When a relationship is built on truth it opens the door for growth. Which leads me into the second reason to why honesty is a big deal in relationships. Honesty problem solves.

Anyone who has a successful relationship knows this to be true. When we are in a relationship where two people are allowed to be honest, it gives the relationship a chance to solve problems that come up. Sometimes misunderstandings happen.  When we are honest we can work through the misunderstanding, communicate and solve the issue and be done with it.  Different perspectives can be frustrating.  However, we are all different in our views and can learn how the other person thinks.  Honesty grows the mind and heart.

The third reason honesty is important in relationships is that honesty grows our character. When we are honest we are holding people accountable for their behavior. It challenges us and encourages us to be a better human being. We become a person that thinks about our choices and how they can help or hurt the relationship and the person we care about.

Honesty gives understanding. This is so important because it will all around help us understand our past, present and future.  When we give honesty it doesn’t necessarily reap understanding right away. But when we have enough people telling us the truth it can be a great place to land. From this place we can begin to understand the situation, who we are and what needs to happen to grow each part of our life.

Honesty gives us freedom. We are free to be ourselves, when we find ourselves in relationships were we can be honest. We don’t have to worry about working hard to be accepted or appreciated for who we are. Everything is talked about and shared because we care.  We don’t have to secretly wonder if the other is annoyed or frustrated because we know they care about us enough to be honest with how they feel about us.

Honesty teaches us.  It teaches us many great lessons. It teaches us how to interact with people and choose our words wisely.  Think about it, when a little kid you know says something with an honest heart and it comes out as an insult. They aren’t trying to be mean, well most of them aren’t.  They just say the truth without thinking about how their words are going to effect the other.

The more we practice honesty, the more we learn how to be honest and use modesty with our words. We learn through experiences good and bad with those in our lives what honest words are effective in helping us to grow.

Honesty demonstrates genuine love. Healthy and wholesome families know this to be true. When you love a person, you want to protect them from the evils of the world.  We live in a world that isn’t always kind. Some people (any one who is reading this I bet can think of at least one, probably more) seek pleasure at someone else’s expense.  Those that love best are super honest because seeing them hurt and damaged is the last thing they want for them.