Ways We’re Making Our Finances Healthy

This year, instead of making a resolution for the the new year, I decided to choose a theme. You can read more about this here. Because my theme for the year is healthy living, I would like to dedicate a post each month on what I am working on and how it relates to my theme. This month, Jerry and are really looking closer at our finances. We have some bills we need to pay off and we need to find ways to save money. These are some of these things we are focusing on to get our finances healthy and they have already been paying off. We are hoping some of these tips will be helpful to you as well. If you have any other ideas for us, please comment! Let’s get started Lovelies.

1. Taking my calculator to the grocery store.

Talk about a wake up call! When I am not calculating what I am spending at the grocery store, it is so easy to just throw any and everything in the cart. Before I know it, I have spent way more than I intended too. Just this simple strategy has been a huge help. Knowing exactly how much I am spending and how close I am to my budget helps deter me from overspending and adding all those little extra things that I don’t really need.

2. Eating out only once a week.

I love to eat out, I’ll admit it. With both of us in grad school, parenting, and our commitments to church, we have been eating out or getting take out way to much. Plus eating out with a family of 5 costs a fortune! Especially when 2 of our boys eat as much as grown men! Fortunately, I finished up my 2nd masters in December and Jerry will be finished with his this summer! So there has been some relief for our busy schedules, with more in the near future. By committing to eating out only once a week, we are saving a lot of money.

3. Making our lattes at home.

On top of my terrible eating out addiction, I have a coffee addiction too. A $4 latte everyday really begins to add up. For Christmas I received a little stove top espresso maker, which I love! (This is the one I got The Original Bialetti Moka Express Made in Italy 3-Cup Stovetop Espresso Maker with Patented Valve) This has made making lattes at home simple and fun. I have been experimenting with different syrups and have also started watching videos on how to do latte art. So I’m saving money and having fun with this one!

4. Finding free ways to have fun.

We have had Disney passes for the last two years, which we have thoroughly enjoyed. However, we realize that in order to save money, the passes need to go. Instead we are looking for ways to have fun for free (or at least for very little). We love to be outdoors, so we are looking forward to going to parks , kayaking, and going to local events that cost little to no money.

5. Getting creative with things we already have around the house.

Finally, we are looking at ways we can reuse and repurpose things we already have around the house. For example, we are looking at repurposing some old wood to be make backdrops for product photography.

6. Keeping our bills organized with a notebook.

For this one, I have to give my mom the credit. When Jerry and I first got married, my mom showed me how she kept track of the bills with a notebook. This way she knew exactly what was coming in and what was going out. Over the years with online banking, I got away from this. However, I realize how important it is to keep better track, so I dusted off my notebook and am using it again! This has helped give me a better picture of our finances as a whole and I plan to continue to use this method for years to come!

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My Theme for 2018

The idea of creating a theme for the new year instead of a resolution is one that has been popping up all over the blogging community. I first read an article on this several weeks ago and thought to myself, “sounds interesting.” You can read the first blog I read about themes for the new year over at joi-knows-how.com. I have never been one to really make New Years resolutions. It’s not that I’m against them or anything (unlike my husband who made a resolution to not have New Years resolutions anymore and he has stuck to it ever since! LOL), but I just don’t really stick with them. Instead I find myself creating goals, getting myself in check, and reflecting throughout the year. This is why the thought of a theme is so alluring.

You may be wondering to yourself what exactly I’m talking about. You are not alone in this. I didn’t really get the whole theme idea at first either. Basically a theme for the upcoming year means choosing an area of focus and incorporating changes into your life that build upon that focus. For example some of the themes floating around out there focus on self care, financial freedom, or health. Those who are choosing themes are not creating goals per say, but rather incorporating many things into their daily lives that represent their theme. Let’s delve a little deeper by taking a closer look at my theme for this year, healthy living.

I’m choosing this theme because it literally encompasses all aspects of my life physically, spiritually, and mentally. 2017 has been an absolute whirlwind in which all things healthy have fallen to the wayside. Truth is I’ve been so busy trying to get through each day that surviving became my only focus. This probably has a lot to do with finishing up my second masters degree, launching a business, and starting a blog all the while keeping up with my other commitments and responsibilities. Now that I’m finished with my degree I hope to have more time to focus on other areas of my life. This year I don’t want to just survive, I want to grow and thrive!

By focusing on healthy living, I’m not just talking about eating well and exercising (although this will be a part of my theme for this year as well). For me getting healthy goes beyond this, I want healthy living to seep into everything I do. I’m going to take a closer look at getting our finances on track, spending more time in God’s Word, reading a book (or 2), writing, getting more rest, drinking more water, spending more time investing in my relationships, and the list could go on! See, by choosing a theme instead of a resolution, I can concentrate on so much more. I will feel successful any time I do something that incorporates my theme. With a theme for the new year, success doesn’t come at the end when I check off the boxes, success comes each time I take a step in the right direction! How bout you? Are you making a resolution or going with a theme this year?

Happy New Year!