Finances are a very interesting topic for me. I don't know what category I belong in. I don't know if I am a saver or a spender. Here's why. I'm frugal. I don't like to spend an extraordinary amount of money for things. Paying full price for something is painful. It shouldn't be done. Spending an extreme amount of cash on a handbag or jewelry seems silly. However, I'm not much of a saver. Money burns a hole in my pocket. If I have a surplus of funds, I will find something to spend it on. Even if I don't need it.
I would love to completely overhaul my value of money. I want to be a saver and seek purchases that are meaningful. Stay clear of the clearance sections and dollar bins at Target. Oh, how I love the $1 spot. All the heart eyes.
I like what Crystal said -
Spend Smart | Save Smart | Give Smart
We should all strive for this.
So many of us are living paycheck to paycheck and without a proper budget. We have a budget for MOST expenses. The buck stops at gifts, clothes, shoes, haircuts, and other items that don't come up monthly. It adds up quickly y'all.
Today we are going to fine tune our budgets and set some financial goals. You may have already started this if your finances were one of your priorities.
>> BUDGET WORKSHEETS <<
To give you a few ideas, here are a few of my goals.
1. Create an Emergency Fund
2. Disney or Tropical Vacation (you know, the kind when you don't worry about $$ and pay way too much for everything)
3. New Car
4. Down Payment for a House
What else did you learn in this chapter? I would love to hear your takeaways and saving goals.
JOIN US IN THE BOOK CLUB TO SHARE YOUR BUDGET PLANS
>>> FACEBOOK GROUP/BOOK CLUB <<<
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