Money

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.

 

 

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