Hi Friend!

I know that the topic this month is necessary but a bit tough! We all know we should create a plan for our money right where we are today and yet we resist it! Why do you think that is?

I’ve been talking and writing about this for over a year now and I get the same responses from readers today that I got a year ago!

I Know it feels so hard to get into the finances and figure out what we earn and how much we actually spend, not what we think we spend, but what we actually spend! And take notes and go back because we feel we missed some vital information and that’s why maths isn’t working!

You need to remember something, the fact that you have taken the first step and taken a look at your finances, it’s huge! This is the step most people dread (yours truly included if you remember when I first started out!) but it’s this step that is going to make it possible for you to a) be ok with where you are, no matter where that is, and know you are doing what you can right now and b) get the fire under you to get to a better place.

Just like in redesigning your life, you can not know where you want to go and how to get there if you don’t know where you are to begin with! That’s just how it is! And it doesn’t matter if you have a lot of money or if you feel you are struggling every single month. If you don’t know exactly where you are, you won’t be able to get anywhere.

There are steps you can take and things you can put in  place to ensure you stay on track to achieve all these things. You can get an accountability partner, a coach (I can help you here!), apps, routines… There are lots of ways you can try to help you stay the course! Don’t commit to the first thing you try! You can try multiple things and decide which works best for you and go from there.

The biggest tip I can give you is...

Go here 👇🏻 to learn all about budgets and creating plans for your money!

www.thesarafernandes.com

https://linktr.ee/Thesparklingbudgeteer