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Have you ever had tried to fix your finances, all fired up and failed? (*raises my hand*)
Why? (Or rather, why not?)
There can be a myriad of reasons, but if I had to guess, I'd say constraints of some type stopped you from succeeding.
You may struggle with limited:
Budget: We know we should save for emergencies, have something for retirement, and pay off our debts, especially high interest ones if we have any. However, we only have so much money in our account and bills to pay.
Schedule: Between work, family, and sleep we might not have a ton of time to devote to working on another project.
He did an amazing job taking me through the thought process and breaks down how your timeline determines your allocation and how you can implement your goals.
Keep Track of Your Progress with Personal Capital
By the way, if you're looking for a way to keep tabs on your finances and see how your net worth is growing, I suggest using a free tool like Personal Capital.
Once you are seeing the overview of your spending, you can hone in on problem areas with your budget. You can sign here and try them out.
Thoughts on Achieving Your Financial Goals
I'd love to hear from you on how you accomplished your financial goals. What was the turning point for you? What tools and resources helped you the most?
Elle Martinez helps families at Couple Money achieve financial freedom by sharing tips for reducing debt, increase income, and building net worth. Learn how to live on one income and have fun with the second..
You’d think that after going through Dave Ramsey’s FPU five years ago and then talking with a church deacon a year after that, I’d have figured it out. Whenever the Proverbs talk about fools, sadly, that’s me financially. I just don’t “get” it. I’m not bragging or boasting. I’m a true idiot when it comes to finances. I want to learn and retain the knowledge because I CAN do this. I have been given the knowledge. I just need to figure out how to make it work for me.
You’d think that after going through Dave Ramsey’s FPU five years ago and then talking with a church deacon a year after that, I’d have figured it out. Whenever the Proverbs talk about fools, sadly, that’s me financially. I just don’t “get” it. I’m not bragging or boasting. I’m a true idiot when it comes to finances. I want to learn and retain the knowledge because I CAN do this. I have been given the knowledge. I just need to figure out how to make it work for me.