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Browsing posts in: Keeping Motivated

Financial Goals for September


I like Elizabeth’s goals post. Those type of lists always help motivate me and give me an easy way out when I’m trying to make decisions. While I’m not one for weekly goals, I think having a few monthly goals would be good for me.

After my August month in review post, I spent some time thinking about what was coming up this month. There are a few things that stood out when I considered September events and needs.

  • We ate through the freezer for most of the month of August. In fact, I haven’t been grocery shopping in 3 weeks. Meal plan win! So a big grocery shopping trip is in order…soon! (Especially with the news that we make get some of the outskirts of Hurricane Dorian later this week.)
  • My parents will be here for the last week of September. This won’t really affect me financially but it will add some social activities to our already busy schedules. But I’m excited that they will get to attend one of Princess’ volleyball games.
  • I have a PACKED work schedule this month between regular clients and project work. I will be utilizing every minute of my 11 hour work days to get things done. This is really good from a financial stand point, although I won’t see that side until next month. But from a logistics stand point, I need to stay super focused and on schedule.
  • I have paid all of our regular monthly bills this month. My operating account is close to $0 but it sure feels good to have all the bills paid. I believe we will inadvertently have a no spend month with as busy as we are. That combined with the heavy work load will be great for next month.

My September Goals

  1. Stock my freezer with my regular grocery budget and continue with my weekly meal plans.
  2. Stay on track with work and continue doing what I am doing from a marketing and work stand point. It is working.
  3. Avoid looking at my bank account. Avoid any temptation to spend money un-necessarily.
  4. Continue my daily exercise routine in the early morning hours. (I spent some time reading up on the health benefits of stretching and jump roping this past weekend and even more motivated to keep it up.)

Do you have personal goals this month? Financial or otherwise? Share them in the comments and let’s keep each other accountable.

A Big Weight Off


I’ve mentioned before that I do my forecasting out a quarter at a time. (It’s just a simple Excel spreadsheet.) I include all my regularly budgeted items, any extras I know about (birthdays, holidays, travel, etc.) and my income based on current contracts with clients.

As I continue to go full speed ahead with debt payoff, I spent some time this weekend creating my forecast through the end of the year. And you will never guess what…

I am finally at a place of stability again…by that I mean, if I maintain all my current on-going contracts, I will make enough to cover all my currently budgeted for expenses for the rest of this year!

That is such a weight off my shoulders, especially as we have been living paycheck to paycheck for so long. Obviously, there are no guarantees, but right now, my financial situation is stable, my income streams are varied and I am very hopeful for the long term.

The Caveat

There are a few caveats to this and one is glaringly obvious, at least to me:

I do not have a car, car payment, fuel costs or car insurance in my budget. (Well, I do have car insurance but it is minimal since Sea Cadet and I are both insured on his car.) That will have to change in the next couple of months somehow.

But for now…I can breathe. And I don’t have to count every single penny, although I am.

Switching to a cash only budget has made a big difference to me. There’s something about seeing the dollars in my purse dwindle that keeps me from spending on things that are wants rather than needs.

There is definitely something about seeing positive numbers in my forecasting and money in the bank that is very motivating. What keeps you motivated?