Tag Archives: financial planning

Get Your Finances Back In Order Sooner Rather Than Later

*This post may contain affiliate links.

Have your finances been a nightmare for you recently? It might be the case that you have reached a point where you’re not sure what you can do or where to start, but this can be dangerous. You have to get your finances back in order sooner rather than later, or you could be facing some potentially serious consequences. If you want to find out more about some of the steps that you should take, keep reading down below.

Clear Your Debts

First, I highly recommend you figure out how much you owe, who you owe it to, and figure out a way to start clearing them. If you’re not going to be using a scheme like DTSS Complete Freedom, then it’s important you start creating a debt management plan quickly. The people that you owe money to simply want it back, and if you go to them with a proposal that makes this happen, even if it takes a little longer, they just might accept. They are much more likely to accept if you go to them with a solution for your debt rather than them having to chase you.

Hire Some Help

The next thing that I recommend is that you hire some help to aid you in managing your finances in future. Hiring a personal finance advisor or an accountant could be exactly what you need to keep you from future budgetary predicaments. They will be able to provide you with expert solutions and help you more effectively manage your money in the future. If you don’t want to get into financial trouble again, this is a solution that is well worth looking into.

Live Within Your Means

You should also learn to live within your means. If you are so used to buying what you want and doing whatever you want without ever worrying about money, this might be a little tough for you. I understand that you might need time to adjust, but it’s important that you get a handle on this now. Work out what your budget is, and then be careful to stick to it. Some people have never lived on a budget before, or at least not one like the one you’re going to have to create. Just remember that financial situations can always change, and this isn’t going to be forever.

Don’t waste time thinking that things will sort themselves out; they won’t. Take financial action now!

P.S. Learn the 5-part money hustle.

Looking Ahead to the Holidays: 4 Ways to Ensure You Enjoy Your Christmas Break

*This post may contain affiliate links.*

It’s still a few months away, but a lot of us are beginning to get the itch with regard to Christmas. Some people love the holiday; some people just enjoy the time off work or the extra opportunity to spend time with friends and family. Wherever you fall, it’s a wonderful time. 

This year, more than ever, you might be feeling the pressure to make the most of the holiday season. With so many cancellations and disappointments these last few months, I am certainly ready to get jolly. If you’re feeling the same,  here are some things you can do in order to ensure you enjoy the holidays when they hit later this year!

Appreciate the Break! 

If you’re able, schedule some time away from work — even if it’s just for December 25th. For many folks across the globe, work has moved in to their homes and it can be hard to set up strong boundaries between when on-duty and when off. Work and home life may have grown a bit too close for comfort these last few months. Start planning now to get time off in place.

Just Spoil Yourself – You Deserve It

You’ve likely been quite frugal these last few months. Maybe this has been due to job change/loss or simply because you haven’t been able to travel or hit the shops. But if there’s a time to spend money on yourself and buy things you like, it’s Christmas. You’ve probably had your eyes on something. Do what you can to in the weeks ahead to set a little something aside so that you’re able to treat yourself in honor of the big day.

Think About Doing Things For Others! 

Doing special things for your friends and family around the holidays always feels great. Perhaps you want to throw an Ugly Christmas Sweater party and treat your whole family to something from UglyChristmasSweater.com or maybe you want to hand-make gifts for all your co-workers or hit the Black Friday sales so you can nab a few great deals for presents for the kids. It’s a time for caring about others, so be sure to start brainstorming now about gift ideas. 

Do Something For Those Less Fortunate  

Unfortunately, there will also be people out there who have very little at Christmastime…especially this year. Now is a great time to sit down with your family and decide ways you could give back this holiday season. If you’re low on cash yourself, could you give of your time? Or open your home to friends who may not be feeling so merry? If you’re able to give, how would you like to spread the Christmas cheer? If you start planning now, the more creative and intentional you can be!

A great holiday season is possible! We can all secure an enjoyable Christmas. All it takes is a little bit of looking ahead and planning. xoxo

P.S. And while we’re in the Christmas mood… a Christmas Cookie Round-Up!