top of page

Are You a New to our blog?


If life were perfect, we would all have a magic formula that only takes one step to solve our financial struggles. Unfortunately, we all live in the real world, so we have to find a realistic solution to those problems. It's not impossible it just takes commitment to yourself. Struggling day in and day out to keep your head above water financially is stressful, so it's essential to get a hold of your personal finances.

It's not necessary to make it complicated; we are going to use four steps to control our finances. All you have to do is be consistent, continue planning, and your finances can start looking better in little as three months. You will see your financial stress melt away and your lifestyle improving.

Start Strong With Goals

In anything you want to achieve you have to know what you want, so you need to know your goals. Write out specific goals that aim to improve your lifestyle and finances. Your financial status affects all areas of your life so your goals will differentiate with one purpose, financial freedom. Each goal will enhance your life while improving your bank account.

Write down A list of your financial goals, then prioritize each goal from number one priority and countdown. Think of what you need to look at first in your finances, spending habits, savings, income streams or your debts. It's important to start with essential problems that need to be addressed to stop any roadblocks that may come up later. You may want to think also of what you would like to achieve first, what is most important to you. Just remember to think of long-term goals that need to be addressed as soon as possible like saving for retirement plans should be one of your top priority. Making sure you are saving to retire or having a rainy day account helps you stay on top of your finances even when things get tough.

Use These Tips To Identify Your Financial Goals:

Think about the future, long-term goals of eliminating your debts, owning a home that is paid off and even retiring as early as possible. Long-term goals are usually are things you want to accomplish in the next five years or more so think BIG.

Next are your short-term goals, they are a breakdown mainly of your long-term goals. You can take a look at each long-term goals and break it down to monthly, weekly and daily to work on that goal every day. These goals should include things like managing your monthly budget, setting budgets for each activity in your life. Limiting credit card usage can help minimize debts to help you save more each month.

All you have to do is prioritize your goals to create a successful financial plan.

Creating a Financial Plan

A financial plan is essential in helping you reach your financial goals. The plan should have multiple steps. Your plan could start with creating a monthly budget, getting control of your spending then getting out of debt. Getting control of these three areas can help you free up cash you may otherwise not have noticed that you are loosing. You will be able to pay your debts back quicker and invest more of your money.

Creating a monthly budget may seem hard at first, but all you have to do is plan ahead. One of the biggest waste of your monthly spending could be your groceries. Go to your kitchen and check on the food you may have bought and did not eat, what do you waist the most when you do cook or even your eating habits. It helps to plan your meals ahead of the day you go shopping. You are less likely to buy food on impulse; you can plan meals that you want to eat. It works for your everyday needs like beauty products and household items. You can stay on top of what you need and when you need it. It could also save you money when you know a few things you can buy in bulk.

Creating a financial plan is easy, just remember:

Your budget is the key to your success. It will give you control of your financial future, without it the rest of your plan cannot be achieved.

Contribute to your long-term goals in saving more and investing for your retirement. No matter your financial status it is never to early to start saving for the future. Start an investment account like Acorns with just $5 to grow your income today!

Build yourself a rainy day fund, separate money in at least two bank accounts to save money separate from your spending account. You will not see it every day, and it will stop you from seeing that money often, so you are less likely to spend it.

Financial freedom allows you to start working on the critical goals you have set for yourself. The sooner you get started, the sooner you can plan fun things like a fun trip overseas or just a small purchase you have been waiting to make. While all that planning is going on you can be saving to buy your dream home or start building a business. It's important to consider these steps in your life because they create significant changes. You will finally be able to stop making financial decisions based on fear and be able to control what you do and when you do it.

Stick to The Budget You created

Discipline is key to your success in just about anything you do in life, so learn to discipline yourself to your financial plans. Once you have gone over all your accounts, it's essential to create a budget for your monthly spending and 'STICK TO THE BUDGET.' Your financial success depends on you creating a budget for each category in your life to manage the money coming in and going out.

You can get started by using the '70/20/10 Rule' to divide your income for the month. Calculate your living expenses, how you plan on saving and paying off your debts. Use 70% of your income to pay living expenses, 20% in saving and investments and the last 10% to pay off debts. Giving yourself this budget help to curve unplan spending. Now you can focus on your plan each month and know exactly how much of your money is going where. It will be easier to reach your financial goals while focusing on living your life.

It's important to remember to not get out of debt so that you can fall right back in a year later. Once you are debt free still maintain a budget, just take the money you where paying debts and add it to your savings. Not tracking your spending is a sure way to spend more than you make without realizing it.

Digging Yourself out of Debt

The most significant obstacle to reaching your financial goal is your debts. Eliminating all our debts should be one of your top priority.

Create a 'Debt Eliminating Plan' to help you pay off your debts as early as possible. Focus that 10% of your income to pay your debts for at least the minimum payments. When you can afford without disturbing your other areas pay extra on your debts. Look into earning more income to increase the amount of the money you have to pay debts to pay more than the minimum payments. Once you pay off one debt move onto to the next to create a 'snow ball effect' to get out of debt.

A few tips to help find money to pay debts:

Sell unwanted or needed items around the house to make some extra cash on sites like Amazon and Ebay.

Partner up with Airbnb to rent out extra rooms in your home to earn cash.

Any areas you can cut in your budget to increase your payments on your debts do it.

It's not just important to get out of debts; you need to stay out of it. Creating a budget was your first step to success, it's important to develop other steps to help you stay on track. If you like to shop for things that interest you on site build a side spending account. Save maybe 5 dollars a month to have that side account that did not take much out of your income and give you a little splurge money. You can now leave your credit card alone and reach for that cash and have no debts afterward.

Never be Afraid or feel Shame to Ask for Advise

The average person most likely will not have an accounting degree, so investing to grow your wealth require some professional help. Speaking to a financial planner help make smart investment decisions. The risk involved in each investment along with your finding comfortable level of investment to reach your financial goals sooner rather than later. Your financial advisor could give you some great tips to clean up your budget even more. Having a mentor is a great tool, you will have a person to help guide you on your budget and financing for a few months until you get it together.

You don't always have to pay a professional; there are a lot of help all around you. Take a free class at a local community center, maybe the local colleges offer free assistance and don't forget any friends or family members that are where you want to be. They can be a great tool to help you with your finances. Take one day a month, sit down with them, learn what has worked for them and see if it can benefit you. They can look over what you have been doing and give you tips and advice on how to proceed. You can also check to see if your bank or credit union offer some help with your finances.

Financial freedom is not for the weak of heart, it takes motivation, planning and taking actions to ensure you have the life you deserve. Managing your finances is essential to living the lifestyle you deserve. If you feel like it takes to much work to keep up with your finances, try keeping up with bills you have no income to pay.

Spend at least one day a month going over your spending and budgeting your accounts. It will do wonders for your lifestyle and drastically improve your financial status.


Monday is a famous day for people to complain about, they always dread the coming of a Monday morning, WHY? Because they are not ready. So what should you do to get past the fear of Monday? It's simple, get ready before it comes. Monday can be your most productive day of the week as long as you take control.

Monday morning should never be view as a negative part of your day; you should welcome it because you already have plans for it. Most of us have been condition to hate Mondays because we are not preparing to face it, well that stop today. All you have to do is get your schedule in order and set out plans you want to accomplish for the rest of the week. It's called optimizing your time to get the most out of it. The more prepared you are, the more you will get done on Monday. Planning not only lets you know what you need to get done, but you will be looking forward to Monday morning so you can start working.

You don't want to start the week reacting to things as they happen. You want to be pro-active and ready to face any problems ahead.

So let's try these tips to conquer Monday like a boss.

Prioritize to win If you are not planning out what is important to prioritize it, your productivity level goes down drastically. One of the best ways to do this is towards the end of the week. Think of what projects or meetings you may need to attend so plan accordingly. "I spend my Saturday afternoon looking to what I accomplished last week and how much more work needs to be done." You need to focus on what is essential to accomplish first regarding lifestyle, business, personal finance. The most important part of planning is looking at your deadlines to know where you should be with your plans. Having a weekly and daily schedule sheet helps to see your whole day and week ahead. It helps to schedule daily activities and work toward completing your goal for the month.

Make plans ahead of time As they say 'if you fail to plan, you plan to fail.' Planning You week ahead help you define and prioritize your time more efficiently. Planning your life or running a business is no joke, you should always be thinking of the future. Large companies plan their strategies and projects at least a year before taking action to avoid surprises and not lose out on profit. Your Life and Your business deserve at least that much from you if you are going to take it seriously. You need to think of what you want to accomplish every day, week, month and the year to see success. Having these timeline plans out dictate your success rate in life and career as a whole. It all starts with planning days ahead of Monday to make the most out of it. Towards the end of the week by the time Thursday and Friday all the work you put into Monday will show results. Think about your activities today and every day that you are working on your business. How much closer are you getting to your goals with those plans you are following? The goal is to get ahead not take steps back, so plan accordingly.

Don't schedule task or meetings just for the sake of scheduling

One of the worst ways you can waste your time is sitting around in meetings that have no real benefits to your lifestyle or business. Mondays are meant to be productive, do not sit around and revisit old information and random ideas that yield no results. You need to plan at the end of the week, to make Monday morning meetings productive, refreshing, and bear fruit. When you prepare, it sets the tone for the rest of the week to get you pump up and motivated. "I love to start Mondays by setting up my blogs and videos to make sure they get done on time. They take longer to finish and need more attention, starting them on Monday gives me the rest of the week to edit them to have a nice finish product" Prioritizing and setting up relevant tasks on Mondays gives you something to look forward to completing by weeks end. Set yourself up by being positive to motivate yourself to finish your work and boost your productivity level.

Take care of your body like you take care of your business

You only get one body and working hard every day to keep up with the demands of life does put a toll on it. The most important thing to do is to eat whole foods, exercise, and take healthy dietary supplements to boost brain functions. Working long hours require proper nutrients so re-frame from grabbing unhealthy meals and snacks. Good nutrition has a direct impact on your brain function; healthy meals equal healthy minds. Maintaining a steady level of glucose in your body keeps your focus sharp. "I take part of my Sunday afternoon to meal prep my food for the week and layout snack packs to avoid picking up something unhealthy at the snack bar." The trick is to have small meals throughout the day, that is how you keep your glucose level balance. The next important thing you need to do is exercise! It is important to workout at least three days a week to not only preserve but improve brain function. "I found for my schedule it's best to plan workout days and not hours, so I workout five days a week either in the morning or afternoon." Never miss a Monday workout so that you won't be lazy with the rest of the week. Your health is the number one thing you need to keep up because without your health you can't accomplish anything else.

It not Monday that is the problem, it's you not preparing a schedule.

Don't let Monday morning scare you, Monday should get ready for you to come for it! How do you prepare for Monday morning?

Monday is a famous day for people to complain about, they always dread the coming of a Monday morning because they are not ready. So what should you do? It's simple, get ready before it comes. Monday can be your most productive day of the week as long as you take control.

As a new entrepreneur, you start everyday wearing many hats such as CEO, accountant, secretary and so on. Running an entire business by yourself or just a few employees don't leave room for anyone else to pick up the slack where you falter. The upside to this role is learning to invent new ways to be productive each day.

So let's try these tips to conquer Monday like a boss

Prioritize to win, if you are not planning out what is important to prioritize it, your productivity level goes down. One of the best ways to do this is towards the end of the week. Think of what projects or meetings you may need to attend so plan accordingly. "I spend my Saturday afternoon looking to what I accomplished last week and how much more work needs to be done." The most important part of planning is looking at your deadlines to know where you should be with your plans. It helps to schedule daily activities and work toward completing a goal.

Make plans ahead of time; as they say 'if you fail to plan, you plan to fail.' You can now help yourself define and prioritize your time more efficiently. Running a business is no joke, you should always be thinking ahead. Large companies plan their strategies and projects at least a year before taking action to avoid surprises and not lose out on profit. You need to think of what you want to accomplish every day, week, month and the year to see success. Having those time line plan out dictate your success rate for the company as a whole. It all starts with planning days ahead of Monday to make the most out of it. Towards the end of the week by the time Thursday and Friday all the work you put into Monday will show results. Think about your activities today and every day that you are working on your business. How much closer are you getting to your goals with those plans you are following? The goal is to get ahead not take steps back, so plan accordingly.

Don't schedule task or meetings just for the sake of scheduling. One of the worst ways you can waste your time is sitting around in meetings that have no real benefits to your business. Mondays are meant to be productive, do not sit around and revisit old information and random ideas that yield no results. You need to plan at the end of the week, so Monday morning meetings are productive, refreshing, and bear fruit. When you prepare, it sets the tone for the rest of the week to get you pump up and motivated. "I love to start Mondays by setting up my blogs and videos to make sure they get done on time." It gives you something to look forward to completing by weeks end. Set yourself up by being positive to motivate yourself to finish your work and boost your productivity level.

Take care of your body like you take care of your business. You only get one body and working hard every day to keep up with the demands of a business does put a toll on it. The most important thing to do is to eat whole foods, exercise, and take healthy dietary supplements to boost brain functions. Working long hours require proper nutrients so refrain from grabbing unhealthy meals and snacks. Good nutrition has a direct impact on your brain function; healthy meals equal healthy minds. Maintaining a steady level of glucose in your body keeps your focus sharp. "I take part of my Sunday afternoon to meal prep my food for the week and lay out snack packs to avoid picking up something unhealthy at the snack bar." The trick is to have small meals throughout the day, that is how you keep your glucose level balance. The next important thing you need to do is exercise! It is important to workout at least three days a week to not only preserve but improve brain function. "I found for my schedule it's best to plan workout days and not hours, so I workout five days a week either in the morning or afternoon." Never miss a Monday workout so that you won't be lazy with the rest of the week. Your health is the number one thing you need to keep up because without your health you can't accomplish anything else.

Monday morning should never be view as a negative part of your day; you should welcome it because you already have plans for it. Most of us have been condition to hate Mondays because we are not preparing to face it, well that stop today. All you have to do is get your schedule in order and set out plans you want to accomplish for the rest of the week. It's called optimizing your time to get the most out of it. The more prepared you are, the more you will get done on Monday. Planning not only lets you know what you need to get done, but you will be looking forward to Monday morning so you can start working.

Don't let Monday morning scare you, Monday should get ready for you to come for it! How do you prepare for Monday morning?

Get Our Free Newsletter

Learn new ways to rebuild your life every week, build skills to last a lifetime, plus get our Life Audit workbook, free!

Free Life

Management Toolkit

Become A Member Today!
mockup-c1704d3d.jpg

Support Our Work

By Shopping At Our Shop

Help our team continue to do what we love and delivering information that helps rebuild your life. Find our latest design apparel and other addiction2success designs today.

References/Resources

Creditsesame

Free Credit Score,

Free Digital Banking.

https://bit.ly/2Z1fMAr

Bitly 

Create Click-Worthy Links

https://bitly.com/

Creditkarm

Credit scores and more

https://www.creditkarma.com/

Mint intuit

All your money in one place

https://www.mint.com/

Grow Your Money With Acorns 

https://www.acorns.com/invite/LL4MM2

Investing With Robinhood

Sign up to get your 1 Free Stock

https://join.robinhood.com/kerbym23

Google Analytics

tracks and reports website traffi

analytics.google.com

Rakuten

Get paid for shopping online

https://www.rakuten.com/r/MINEDE2?eeid=28187

What Are YOUR THOUGHTS

Provide Your Feedback

What Are You Concern

Let us know your suggestions or any bugs on the site, and you could win a $50 Audible voucher!

Click here to tell us.

bottom of page