Smart Finances in 2009

A new year- a new start. Something we all need, don’t we?  
What’s your financial goal this year? Have you thought about it? Have you written it down? If not, I encourage you to sit down with your husband ( or wife or partner or just by yourself..) to discuss what’s important to you this year. Write down your specific goals. Saving $10,00 a year is not specific. Break down your bigger goal into smaller, specific goals such as, saving $300 a month or $50 a week.. or whatever it may be. Be specific. 
Maybe it’s to save for a house, pay off your debt, save for a car, give more to charity, spend less on clothes, save for your child’s education, give more money to your church…. Will this be the year that you do all those things?!
Whatever the specific is, almost all of us have at least one goal in common. 
Simply, to be smarter with our money. Have more money in the bank account and less charged to our credit card. 
Am I right? 
You have to decide for yourself what’s the most important. What will you priorities be this year? And most importantly, how will you meet your goals? How will you save your money? What will you cut back on? How will you do this? What will happen to your budget in order to meet your goals?
These are all questions that you have to think about. Ask yourself these questions and see what you come up with. Your responses are the answers to having more money to spend and save and having less debt. 
It’s the doing  part that is hard, not so much the how part. 
Over the next several weeks, I’ll be posting various topics on finances:
  • Saving money at the Supermarket 
  • Most helpful websites and books to help budget and manage your money 
  • Simple ways to save money 
  • Credit card basics
  • Activities to do with your children that require no money 
  • Decorating on a budget
  • Ways to make more money 
.. and more! (?)
Let it be known that I am in no way a financial expert. You might say I’m not even “smart” with our money. But, I try to be. I believe its important to do so- if you make $20,00 a year or $100,00 a year it doesn’t matter. 
I’ll be sharing with you my thoughts and experiences on money issues, advice I might have, and advice from all the real pro’s out there! 
Is there something you’re particularly interested in? If so, please leave a comment or email me! 

Published by Samantha Mellen

Certified personal trainer & health coach helping women transform their lives through fitness, abundant mindset coaching and internal peace. Mom of two boys, living life in Alaska.

2 thoughts on “Smart Finances in 2009

  1. Funny that you posted about finances today because I was just thinking about it this morning! I have several goals – one of which is saving for a car. I have a few years (I hope!), but I need to have a plan in action now. I can’t wait to read about kids activities. I’m always looking for things to do with the kids that are free or low-cost.

  2. Hi Samantha–I agree with you; it’s important to be “smart” about your money and I’m really looking forward to your posts. One tip that I’ve used for a long time is to use cash (not credit) for as many of my day-to-day purchases (groceries,etc.) as possible. And, I try to only carry a small amount of cash at a time. It takes more trips to the ATM but I find that this way I control my spending naturally because most of the time, I just don’t have “extra” cash in my pockets. And, it keeps me from over-using my credit card.Just a thought…

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