Imagine yourself 5 years from now, are you going to be satisfied with your life exactly the way it is right now? Taking time out to invest in yourself is GOOD for you and your family! Here are 3 ways to help you get started in taking action towards living the life you’ll love.
STOP the Guilt: Rekindle with your passion and indulge in things you LOVE to do! The trick to NOT feeling guilty is your mindset! Once you realize that taking time out to do the things you love will in turn make you a more patient mother and attentive wife. Haven’t you heard of the phrase “Happy Wife, Happy Life”?
Take Baby Steps: What is one little thing can you do TODAY that will bring you closer to the life you want to live. Do one LITTLE thing per day and before long, look back and you’ll see HUGE progress.
Talk More: Make sure you are constantly talking about the things you are doing with friends and family! If it’s something you love, you’ll have no problems talking about it! Getting support and validation will encourage you to continue!
The key is to make progress! Here’s a thought… Progress leads to Growth which leads to Happiness!
Lisa Sakai is a Registered Representative with Signature Resources in Irvine, California. She helps people in the areas of personal finance and Retirement Savings, Business Succession Strategies, Estate Conservation strategies, and Investment Management. Lisa focuses her attention on helping women take charge of their finances.
What is the first step in starting to save?
The first step would be to put together a budget. You can do this yourself or with a professional. Knowing how much you are bringing in every month versus how much you are spending is important to finding ways to save. It’s just like when we count calories. We are amazed at what we eat during the day when we are tracking it. It is the same for a budget. Its eye opening to see what we spend our money on and where one can cut back. At that point, you can make changes to where you are spending money. This way you may be able to put some money away in savings.
My husband takes care of this. Can’t I just let him handle it?
You can, but you may be uninformed of what you have, where it is, and how to access it when you need to. As women, we don’t let our husband’s control what we wear, who we talk to, or what we eat. However, we let them control our future if we let them handle the books by themselves. They can be making financial decisions you might not agree with. They can be hiding things from you. Also, ask yourself, what will you do if something happens to him? If he has an accident and can’t help you find what you need, what will you do? If you are starting a divorce process, do you even know what you have in order to split it equally? In my experience, men want to have you be a part of this process. Take him up on it and be involved in the financial strength of your family.
We live paycheck to paycheck as is. Is thinking about my future really important right now? Can’t I just take care of it later?
How often have you said that you are going to start a new diet, exercise program, start reading more? How often has that fallen through the cracks? Why would this be any different? The budget is the first step in seeing where you might be overspending and where you can save. Put together an emergency fund. Three to six months of expenses. Then at that point you can start thinking about financial goals. If you take the time, it can be a lot easier than expected and give you the tools to step away from living paycheck to paycheck.
After we have a budget and an emergency fund, what would be the next step?
The next step would be to determine what your financial goals are. Sitting down with your spouse and seeing what is important to you. Ask yourself all of the tough questions. If I died, what would happen? Am I ok with that outcome? What age do I want to retire? Do I have enough money to retire when I want to? Do we want to buy a house? Do we want to invest? What would happen if we were injured, sick, or disabled and couldn’t work? These are all not questions that people enjoy thinking about, but if you don’t, you have to be prepared for the consequences.
It seems so overwhelming. Can we get help?
Absolutely. There are professionals out there who have the experience to help you and many of them will provide some complimentary services. Be sure to ask if they do or do not. While working with a professional, don’t be afraid to ask questions. This is your financial life, not theirs, and just like you shouldn’t rely on your husband to take care of this all, you shouldn’t rely on a professional to run everything while you lose control. However, choose someone you trust.
Couponing basics by Cindy… a real mom who coupons!
Here are 10 easy tips couponing tips that can help you save some cash this Holiday Season!
Want a video tutorial to get you started? Check out Coupon Diva’s (How to coupon) on YouTube! Click here to check it out.
Of course, get the Sunday newspaper for store and manufacturer coupons! Please note that on Holiday Weekends, they have NO coupons because they realize people shop the weekend before. You can order Sunday Only subscriptions for a fairly cheap price. Don’t worry, your couponing will make the money back for you.
All Bed, Bath and Beyond coupons DON’T EXPIRE! Even though there’s an expiration date on them, you can still use them.
Look at the bottom of receipts! Sometimes at the bottom of the Victoria’s Secret receipts, there’s a phone survey you may take and get $10 of $50 purchase .
Bath & Body Works has a similar approach where at the bottom of their receipt sometimes, you may take a phone survey to get $10 off $30 purchase.
Check you city or community to see if they have an app or website for special offers. For Example, Irvine California has an app for Shop the Irvine Company. So anywhere you go in the city, you can check for special offers.
Don’t miss out! Join the store rewards program for special deals! (ex. CVS, Albertsons, Walgreens, Ralphs, etc…) You will get notified of special deals first!
If you have an Old Navy, Banana Republic or Gap card, all purchases on Tuesdays get 10% off!
Walgreens have their own coupon book. You can use THEIR coupon AND a manufacture coupon for extra savings! So you can use 2 coupons for 1 item!
If you have Target coupons, you can combine it with a manufacture coupon for extra savings. Again, you can use 2 coupons for 1 item!
Couponing could take some time, but aside from the actual savings, it’s fun to see how much you save and feel proud of that! Feel free to ask a question or comment below.
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