You’re more likely to reach your goal when you concentrate on why you’re saving (and less on how), according to a study in the Journal of Consumer Research.
I came across this quote a few weeks ago and it really spoke to me. Often times when we’re thinking about creating a budget and saving money,
As we get closer and closer to the new year, through family and friends we are going to be overwhelmed with new year resolutions and game plans. Some have genuine intentions and others are just going through the motions, but we have to give them an “A” for effort, right? One of my Facebook friends said it quite bluntly but I have to agree with her: “Y’all talking like your credit score starts over or your old problems go away….NEWSFLASH: you’re gonna be in the same “ish”
Welcome to 2011!!! I am so excited about the things falling into motion for this new year. When I reflect on where I was emotionally, spiritually, financially and physically a year ago…WOW!!! It can be overwhelming.
Top 5 Things I’m Looking forward to in 2011
- Divas With A Purpose, Incorporated’s unveiling. Details of this awesome organization will be coming very soon!
- Purchasing my first home with my husband
- Paying off at least 60% of my debt (not including our mortgage)
- My oldest son’s 10th birthday
- My annual girl’s trip with my mom,
Silent gratitude isn’t much use to anyone. ~G.B. Stern
This year, instead of coming up with resolutions I have decided to begin a new tradition in my family. I will be choosing a word to focus on – think of it as my theme for the year. After much thought, I decided that gratitude would be my theme for 2011.
I want to become better at expressing thanks and letting those around me know how much I appreciate them being in my corner.
“A year from now you will wish you had started today” – Karen Lamb
I “re-tweeted” this on Twitter a few months ago and it’s stuck with me since then. Often times we continuously put off doing something and time just gets away from us. It could be dieting, going back to school, paying off debt, saving for a vacation, reconnecting with a loved one, the possibilities are endless.
Taking the first step and making a decision to make a change or try something new can often be the most difficult step.
Growing up, I didn’t realize it, but my mother was planting seeds to help me plan to succeed in life. Even though, I didn’t take the route my parents had mapped up for me, the tools and resources that they provided me are a part of my road-map to success.
“For I know the plans I have for you,’ declares the Lord, ‘plans to prosper you and not to harm you, plans to give you hope and a future.”
I’ll just go ahead and admit it…I have stubborn tendencies. I like things to be done a certain way and if I ask someone to do something and they either don’t do it or don’t do it correctly, then I’ll just do it myself (and make a mental note not to ask them to help again!). Definitely not always a good trait to have.
Over the years I found myself negotiating with God….okay, if You do this,