I spend a lot of time writing, reading, and studying personal finance and yet I still struggle with good ole’ fashioned budgeting. It often feels boring, depressing, and monotonous. I want to be dreaming, creating, and building! Not cutting back, canceling out, and organizing my spending.
But it’s a necessary evil. And the more I’ve fought it, the more I’ve realized how important it is. Luckily, along the way I’ve found different ways to make budgeting easier…and dare I say, enjoyable. So that’s what I’ve got for you today! 5 different ways to make budgeting easier (and maybe even fun!).
Daily affirmations are one of the easiest and quickest ways to completely change your life for the better. They allow you to create your own reality, transform your future, and do things you never thought you could, should, or deserved to do. They are LIFE-CHANGING.
And it is the simplest thing you will ever do. You just have to do it.
I know they may sound crazy, but I’m telling you, THIS WORKS. Think of the most successful people in the world and I guarantee they use some form of daily affirmations in their life.
Wow, I can’t even believe it’s happened. I HAVE A NEW FAVORITE BOOK. It may actually be better than The Miracle Morning (even though The Miracle Mornings is STILL a must-read for everyone).
You Are a Badass: How to Stop Doubting Your Greatness and Start Living an Awesome Life is brilliant. Jen Sincero actually makes self-improvement cool.
This book was so amazing that after I read it from the library, I actually purchased it just to have a hard copy to reference.
(And I’ve read The Life-Changing Magic of Tidying Up. So I don’t own books. But now I own this one.)
Honestly, I’m not exaggerating when I tell you that blogging may very well be the new American dream. It gives you everything…complete control over your life, your finances, your time.
Financial freedom. Career success. Time to parent. Freedom to travel.
That may be the gist of it, but those reasons really only scratch the surface of why you should start a blog.
Having a blog is so worth the effort it takes to make it succeed. It is, without a doubt, the best thing I ever did for my family and my career. And the benefits go way beyond the obvious (that it’s a flexible way to make some extra money).
So before you blow this off as something not worth your time, consider these reasons for starting your own blog:
Related post: How to Start a Money-Making Blog
I am bound and determined to pay off my mortgage early. It didn’t start that way, but a few years into the loan my husband and I realized there were just too many benefits to paying it off, so it needed to happen. Since then, the desire to be debt-free has grown, while the loan balance has shrunk.
It’s an amazing feeling to watch this massive loan get smaller and smaller and I can’t wait for the day that it’s over. What’s even more amazing has been realizing that little changes can actually cut off years of mortgage payments. So, of course, when you add up all those little adjustments, you can seriously impact the length of your mortgage.
As with all major endeavors in life, the first step is always the most important, so if want to pay off your mortgage early, take one of these steps TODAY.
Here’s what I’m doing to pay off my mortgage early (and what you should be doing too!):
If you’re trying to figure out how to retire early, you’re not alone. Retirement is the ultimate dream for most of us and figuring out how to pull that off is happening more and more. It may not be easy, but it’s certainly possible!
If you’re looking for some inspiration, tools to make it happen, or just want to see if you’re on the right track, these books will help you get there. They are full of tips and tricks that will teach you how to retire early and achieve the new American dream.
Good luck and happy reading. 🙂
I’m a HUGE fan of self-help books…though not even slightly a fan of referring to them as “self-help books.” So I’m going to call them what they are – motivational books. These are the books that get you so excited in the morning that you achieve way more than you normally do. You have an extra beat in your step. You exercise more, you eat better. You smile more and you sleep better. They literally have the power to transform your life. And when they’re that good, you should definitely reread them every single year (which is what I try to do).
So what are the best of the best? The ones you should definitely reread every single year? 😉 Here they are:
In my attempt to read more books this year, I’ve come across some real winners and some ho-hum forgettables. Even a mediocre book can sometimes be a welcome break from reality, but what I really love is a book that is so exciting that I actually get an adrenaline rush when I’m reading it. And I’m not talking about the rush that comes with finding out who the killer is or a steamy romance scene. I’m talking about the rush from that AH-HA moment that makes you realize one small tweak to your life could help you achieve your next goal…or the moment you realize that you actually can quit your job and do what you love…or even just deciding what your next pursuit will be. THOSE moments are the best.
Without a doubt, one of my absolute favorite times of year is the one little week sandwiched in between Christmas and New Year’s Day. The craziness of the holidays are over and I start to get really, really motivated for the year ahead. And hopefully you already know that I LOVE GOAL SETTING. So that’s basically what I spend the whole week doing…and not surprisingly, a lot of my goals tend to be financial ones. Then once I’ve settled on them, I work really, really, really hard to get them accomplished.
So as you start brainstorming ideas to tackle your own financial goals, use these tips and resources to get them totally accomplished this year:
Related post: The Life-Changing Power of Goal Setting
I love this question. I know it sounds weird, but I ask myself all the time – What would you do with $10 million, Nikki? And then I make a list. Usually with a glass of wine after everyone’s gone to bed. I know it sounds indulgent, but it’s really not. In fact, I think it’s a really, really important question that everyone needs to ask themselves on a regular basis – What would you do with $10 million?
Why waste time imagining a life you don’t have, you ask?