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Weekly and Monthly Goals

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Last Week’s Goals

Hi everyone! I’m still finishing up the data collection for last month, but in the meantime, wanted to update you on my goals for last week. In short, food spending was perfect, but I only got my butt to the gym once. I also ended up having wine on Wednesday night. The boarder staying with me had some drama (a former employee vandalized his truck and stole both sets of keys) and after the police left, everyone wanted a drink.

There was one grocery store trip mid-week for $28 worth of supplies. All in all, I did okay financially but I’m disappointed in myself for not getting my schedule organized and not prioritizing fitness. I strongly believe that I need to have free/affordable distractions if I am going to be successful.

This Week’s Goals

This week, I want to be frugal. It’s my brother’s birthday on Friday, and I’ll budget $50 for that between gas (he lives about 90 minutes away) and some food/drinks to bring. I’m seeing my grandparents for brunch the morning after, and that should be at their place (fingers crossed, I really hate spending money on breakfast food because it’s so cheap to make at home). Beyond those two calendar items, it’s going to be a quiet weekend. Following that, I’ll be on vacation! I’m going to take a staycation to catch up on house organization and cleanliness, and then spend a few days at the cottage with friends.

Shop the Pantry and Freezer

I have three meals prepped for this week already including a big batch of homemade butternut squash soup. Once those meals are depleted, I’ll shop my own cupboard and chest freezer. There are lots of frozen food and pantry items to consume! In my pantry, I have curry paste, rice, chickpeas, tuna, and more. In the fridge, there is tofu and loads of fresh vegetables. I didn’t get much shopping done this weekend as it was Labor Day and I was busy all weekend, but I should be able to get through the week without adding to my grocery bill. I enjoy the exercise of emptying the freezers seasonally – it’s like a fresh start!

All Food From Home

Once again, no spending on coffee, snacks, lunch, or takeout dinners! No spending on food that isn’t from home. This will be a habit soon, and I won’t have to add it to my weekly list any longer.

Gym or Running x 3

I have a history of leg and foot injuries from adding mileage too fast. I’m going to aim for three fitness sessions this week, and four next week. None of these will cost money and as a bonus, I spend a lot less when I’m on track with fitness.

Setting Myself Up for Success

I want to make sure I meet each of these goals, so that’s it for my goals this week. They mirror last week’s goals except this time I’m not allowing for a grocery trip. I have to get some cat food and have a couple of house keys cut today, but beyond that I should not be spending this week.

To be honest with you all, I am still struggling quite a bit with impulse control and spending. I know my spending is down, but it’s wild how much guilt and anxiety are tied to my bank account. The adjustment is rough. Simply being aware of where my money is going is making me anxious. Then there are the mental battles of what I “deserve”, what is a “normal” amount of money to spend, how many life-altering changes can I make at once without feeling suffocated… It goes on and on. I know I can’t compare myself to others. I have to measure my success against myself and my own goals, and that’s really hard to do.

Monthly goals will be posted by Friday, along with The Reckoning (an account of my actual spending in August, and my takeaways).


What is Your Bottom Line?

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I have participated in several programs put on by The Nourish to Flourish Society this year. And while they are a women’s health program focused on what women eat, how we eat and so much more regarding self care, I learned a lot about myself. Many of the concepts can be applied to my financial life, one in particular.

What is a Bottom Line?

Angelle and Jill present this as it relates to food choices, specifically soda. Here is what they have to say about Bottom Lines.

What are bottom lines? They are the decisions you’ve already made about what you will eat or not eat or about how you will or will not exercise or about how you will or will not talk to yourself or about habits and rituals you will do or not do.

For example, what if every time you are in a situation where you could drink soda you felt torn about it? You kind of want to drink it even though you know it’s not nourishing for you. You then have to decide EVERY time if you are going to drink it or not drink it. It can be exhausting.

This was fantastic advice for me when it comes to eating and making those hard decisions when trying to stick to healthy eating. But I have come to realize that this is just as applicable to my financial decisions.

What are my Bottom Lines?

My bottom lines have evolved over the years as I have moved on this BAD journey. Probably my first was was giving up soda. Not only did I give it up personally, but I removed it completely along with most “junk/snack” food from my grocery budget. By doing that and by living by a meal plan has made a tremendous impact on my grocery budget over the years.

Some other bottom lines I have include:

  • No entertainment budget. Deciding if we are going to go out at any given time and do something that costs money is a no brainer. Unless something has been planned for a while, we just don’t spend money on a whim anymore.
  • Clothes. For years, we have spent money on clothes two times a year. My kids know this, I know this. Again, we don’t shop for clothes or even look at them when we are out.
  • And more.

I think one of the things that really makes the “bottom line” concept work for me is that my kids are aware of my bottom lines too. This keeps the “asking” and “whining” and the “expectations” at bay and takes the pressure off me. Does this make sense to you?

So considering the aforementioned definition, what are your financial bottom lines? And having those bottom lines, how much do these “pre-made” decisions help in your day to day life.

Ladies, if you are looking for an amazingly supportive program related to self care, you should check out Nourish to Flourish’s *free* digital copy of 7 Ways to Nourish Your Life Everyday + 7 Recipes You’ll Love. You can register on their website here. (This is not an affiliate link, I have just really enjoyed their content so I thought I would share it.)