Tracking my Goals in my Bullet Journal

Hello Lovely Savers!

Today I thought I would share with you all how I keep track of my goals in my bullet journal. Previously I explained how I set goals and actually complete them, you can read about that here, but this is where I keep track of my progress!

Here are a few goals I set for myself for the beginning of 2018:

In 2018 I plan to -Buy a Home, -Get my Passport (check!), -Perform (check!), -Host a Money Seminar, -Pay off my Smallest Student Loan, – Save $5,000 for a wedding we are not actually planning yet, and – Relaunch Sugar and Savings (check!).

I am a visual person, so not only do I find that writing down my goals helps me keep track of them, but I like to be able to see my progress as I go. In the -Pay off my Smallest Student Loan area I made a little square maze that I can color in as I make additional payments toward that principle. I simply divided the total due by the payments I planned to make and then drew a box around that many squares. When I make a payment, I color another box in! (My colors of choice happen to be Tombow Dual Brush Markers, you can find a pack of them here! Tombow Dual Brush Pen Art Markers, Bright, 10-Pack)

As for the wedding I am not actually planning, I broke it down into smaller budgets. I decided that with a savings of $5,000 I would allocate $600 to a dress budget, $2,200 to catering budget, and $2,200 to a venue budget. Then I got a little creative, each box is worth $50 or $100 that I put away, and then I drew a design for each of those areas. The dress covered 12 squares and the others 22. As you can see, the dress is all colored in! With the savings plan that I have in place for this, I should have it all saved up by June. I’m sure I will share that savings plan with you all in another post soon.

When relaunching Sugar and Savings, I decided I needed to keep track of social media better. While Handsome Man would tell you that I spend way too much time on Facebook, I am not one for actually posting anything. I used this monthly tracker below to plan out what I would be doing to promote the blog and my coaching services.

So there you are! Just a couple of ways I use my bullet journal to keep track of my goal progress. I firmly believe that you need to be able to see results to stick to your goals. How do you keep track of your goals? Comment below!

Until next time, wishing you all Sugar and Savings,

Taylor

* This post contains affiliate links. This just means that I may receive a small commission (at no cost to you) if you purchase something through the links above. You will never see me post a link to a product or service that I haven’t used myself and love! Thank you for supporting Sugar and Savings!

Whole30 on a Budget

Spring is almost here, you may be planning for a spring break trip and want to be beach ready, or maybe you are just interested in cleaning up your eating habits. Whatever the reason, you probably have stumbled onto the Whole30 food craze and now you are motivated to try it.

In principle, the change should be easy, there are only a few rules: No dairy, grains, legumes, soy, alcohol, and definitely NO SUGAR. Ok, maybe not so easy…

There are tons of recipes online, and a thousand and one articles about how to succeed in this 30 day challenge. However, no one mentions the cost! Unless you are a wiz in the kitchen and can spiral-ize your own noodles out of a carrot, you will probably have to resort to store bought varieties and they do NOT come cheap.

Here are my tips for keeping the costs reasonable:

  1. Buy in Bulk- You may be afraid of produce going bad before you get to it, but if it’s all you’ll be eating for a month, you will likely eat more of it faster than you realize. Eggs are allowed during Whole30, as are potatoes, which last quite awhile (and can be bought in bulk) and those will be STAPLES of your Whole30.
  2. Spices are your Friend- While making each of those million recipes SOUNDS like a great idea (most of them sound delicious!) you are NOT going to want to make a different entree for each and every meal each and every day. Not only would that drive your costs way up, but you will not feel like it! Keep some easy recipes on hand and add different spices to keep yourself from getting bored.
  3. Do Not Buy Prepackaged Fruits and Veggies- you can buy a pint of cut cantaloupe for $4.99 or you can buy a whole cantaloupe for $2.99 and get way more fruit out of it. Same with lettuce or broccoli. A bag of salad lettuce is usually around $2.59, and it goes bad in like two days. A head of lettuce is $0.99 and because you just rip off what you want, it lasts much longer!
  4. Potatoes- Potatoes are so cheap. And you can make so many things with them. So many delicious, easy, and yummy things. I love me some tatoes.
  5. Rewards Programs- most grocery stores have their own rewards cards, some of those stores allow you to get coupon deals (without cutting coupons!) just for having this magical card. Not only can those save you some money, but those same cards filled with sorcery can also have other perks like saving money at certain gas stations.

There you have it! Good luck with your Whole30 Challenge, you may need luck to keep away from the sweets, but now you will not need it to stick to your budget while you do!

Have you tried the Whole30 diet? Let us know in the comments below!

Until next time, wishing you all sugar and savings,

Taylor

Review- “Adulting”(Plus 5 of my favorite tips from the book!)

Have you ever wanted a guide to becoming an adult? Or more of an adult? Or even just a few hints at how one might accomplish this idealized form of being? I used to think that it was just me, too. That was until I read a review on “Adulting: How to Become a Grown-Up in 468 Easy(ish) Steps” by Kelly Williams Brown. Apparently so many other people wanted this guide that the very brilliant and hilarious Kelly Williams Brown made an entire book just for them. I ran to BnN right away and picked up a copy (actually I brought a book my brother got me for Christmas and did an exchange because he and my sister got me the same novel, thanks G!).

The chapters are divided into easy to follow sections, with quick and effective tips on how to live your best adult version of you. Also they are extremely funny and entertaining. After reading the book, I can officially say that my favorite phrase is now “failure-flakes”, which describes the black flecks that fall below your eyes from cheap mascara. Never have I ever read anything so true.

Many chapters cover usual adult life, finding an apartment, learning to cook, love and family. However, what I loved most was that she also covered topics near and dear to this blog’s heart: mental health, budgeting, saving money, and starting a career. I love this book, and highly recommend it to everyone, whether they think they are already an adult or not. I also recommend getting a hard copy for yourself and keep notes along it’s margins, there is a lot to learn from it’s comedic pages!

Here are my top 5 favorite tips from this fabulous guide to “Adulting”.

1.”Accept that you are not special” and “Appreciate those who disagree with step 1”

This section covers how there are some people who love you and think you are the greatest thing since sliced bread, (ie: your parents, friends, significant others, etc.) but there is an entire rest of the world that doesn’t even notice when you have failure-flakes all over your face. This piece really reminded me to appreciate those around me and to always be ready to cheer them on, as they would do for me. Life might start out as disappointing, but that’s ok and it is temporary. You are not a failure.

2. “Remember that the outside world only sees your outermost layer”

I’ve read this book several times, and at the corner of this page I wrote “I feel like this will be an important chapter for me… -22 year old Me” Yes mam, several years later and I still have to remind myself! This section is all about faking it till you make it. Not to be deceitful, or untruthful, but more to just train yourself and maintain a professional appearance. If you fake being cheerful and customer-servicey, you are in-fact BEING cheerful and customer-servicey. If in your head you actually want to punch them, well, at least you didn’t.

3.  “Send a thank-you note”

What? What does something my mom forced us to do after every birthday party have to do with Sugar and Savings? In this chapter, Williams Brown talks about sending a thank you note after a party, or after someone has done something nice for you. She literally gives you a template on page 76. I will never forget the moment when my incredibly grown-up friend, Jamie, told me she writes thank you notes to everyone for anything. I looked at her in awe… and confusion. Why would you WANT to do that? Well because, Ms. Adult-in-training, it isn’t about YOU! As I said earlier, I need to remind myself to be a cheerleader to the ones I love, that includes showing them appreciation when they do something kind or just because they exist. Thank you lovely human, for existing.

ALSO, because I WILL tie it back to Sugar and Savings, you should write thank you notes to those who help you in your career life too. Whether after an interview or just coffee with a mentor, thank them for taking the time to meet with you, because they didn’t have to and it definitely helped. Which brings me to-

4. Steps 136- 138 or “How to Network”

No one knows how to effectively network these days. I’ll get random friend requests from people in my “women’s entrepreneurs group” on Facebook and that’s it! No talking, no follow up, just a request from a stranger. What a waste of energy! Williams Brown’s steps are as follows: “136: Ask for a business card when the conversation is winding to a close”, “137: Follow up with people you meet” (excellent place for a thank you note in my opinion!), and “138: Ask those people out for coffee”. People love to talk about themselves and you never know what you could learn from someone who is in the position you might like to have someday!

5. “Think of shopping like drinking”

And then there was the money chapter.  This is included in my top 5 tips because I had to come to terms with a terrible retail-therapy habit. Shopping with my mom or friends made me feel happy, and if I had a bad day a trip to Target was magical. It’s not always an easy habit to notice, you don’t run around drunk from shopping, but it can still pile up and be detrimental when trying to stick to a budget. Apps like Wish make it allllll too easy to just get “a few things”, and with their small price tags it makes a hard to notice problem even easier to ignore.

There you have it! If you haven’t already got it up on the tab next to this one, here is my personal link to the book on Amazon:*

* This post contains affiliate links. This just means that I may receive a small commission (at no cost to you) if you purchase something through the links below. You will never see me post a link to a product or service that I haven’t used myself and love! Thank you for supporting Sugar and Savings!

Thank you so much, I hope you enjoyed this review of “Adulting: How to Become a Grown-Up in 468 Easy(ish) Steps” by Kelly Williams Brown.

Until next time, wishing you all Sugar and Savings,

Taylor

Staying Social while on a Budget

When working with people and their budgets, the first thing they notice is how much they spend eating out. “Oh my gosh,” they say, “I need to stop going out with my friends!”

Well yes. And no! In this post I will go over how to be social even when you are sticking to a budget!

First, I’ve said it before and I will say it again, setting a budget doesn’t mean you cut out a bunch of spending. Having a budget sets goals and boundaries, and gives you PERMISSION to spend on certain areas that YOU’VE already decided. Second, if you set unreasonable goals (like never eating out when you are accustomed to ALWAYS eating out) then you will mess up and likely mess up hard. Go ahead and eat out with friends, go see the newest Marvel Movie (seriously, do!), just make sure you keep control of the spending while you do.

Dinner Out

Handsome Man and I love to go out to new restaurants, it is silly, but it is one of my favorite things to do for a date night. I plan ahead and make sure to save money while we do. You can cut coupons, go during happy hours, drink water or soda instead of booze, join email lists to get deals, or grab a coupon off of Groupon! There are lots of ways to save while eating out. I also know that while I try to pack my own lunch for work, sometimes I am running late and don’t get to it. I give myself $45 a month in my budget for eating take out while working.

And speaking of eating when working…

Getting Food with Coworkers

This one is hard! Especially if, like me, you work right next to a bunch of great food places. You don’t want to always turn a coworkers invitation down, eventually they’ll stop asking! I’ll dig more into how to bow out gracefully later. I include anything I order with coworkers in my $45/month budgeting. Most days I bring my own lunch, but sometimes my buddy Kev is like “Want Noodles?” and the answer is Yes. I ALWAYS want Noodles (RIP, Bangkok Curry).

Friends with Expensive Tastes

Having a lot of friends is wonderful, it can also be expensive. Especially with all the burdens of Adult Life, and not being able to see them very much, when you DO get to see them you want to do something fun and special! This can mean movies (~$20/ ticket alone, ~$12 for popcorn and a small drink), dinners out (~$20/meal if you only have a soda), amusement parks (~$40/entrance fee, $10+ for parking), clubs (~$5 cover charge, plus any drinks), concerts (don’t even ask.). These times out on the town are so fun! And add up soooooo quickly! I would NEVER suggest that you stop doing them, or suggest you stay in like a hermit all the time. But definitely plan ahead, budget for these events, and when possible invite friends over instead! Cook a meal together, or spend the night with a Red box movie, I am sure there was one you meant to see in theaters and it got away from you.

Gifts

You’ve been invited out for a friend’s birthday, you planned ahead and budgeted for the meal and now you realize you should get them a gift! There are several ways you can take, first, the DIY route- coupons (“Dinner on Me”, “Night of Watching their Kids”, etc.), a painting or drawing if you are so artistically inclined, or a piece of jewelry if you are so talented enough to make something like that. Assuming you are less artistically inclined, a bottle of wine or whiskey could run you a $20 dollar bill maybe less if you are skilled at choosing a great beverage with a great price tag. OR! You could go in on a gift with someone else! I’ve also used this for bridal or baby showers, getting something larger for less money than if you’d bought it yourself is a great way to treat your friend without breaking your budget.

How to Say No

As I said earlier, you don’t want to constantly be turning your friends and family away. Not only could you offend them, or miss out on great bonding experiences, but they will also eventually stop asking. When I turn someone down if they ask if I want to grab a bite with them, or do something else that is out of my budget is this:

“I brought lunch today, but let me know next time you guys want to order in!”

“Aw thanks for asking, I can’t this time, but maybe later!”

“Dinner sounds great! Do you want to come over sometime? I’ll cook!”

or just be honest.

“I already used my budget for movies this month, but maybe next month we can see a different one?”

I always offer an alternative and make sure it’s clear that I am grateful for the invitation.

Going out and enjoying meals together are very important bonding occasions. There is no reason to cut them out of your life! Plan ahead, budget for the fun times, and then feel better when you get to enjoy them!

I hope this post helps you enjoy your next night out!

Until next time, wishing you all sugar and savings,

Taylor

 

Valentine’s Day on a Budget

Holidays are wonderful, fun and great excuses to spend a little extra time telling someone how much they mean to you. Particularly, Valentine’s Day! While Valentine’s day can be a lovely day for lovely love birds who are in love, it has come to be a biiittttt of a money suck. Here are some last minute ideas about how to spend your Valentine’s Day while sticking to your budget:

  • Handmade cards are way better than store bought. While those cards may be beautiful and do most of the heavy lifting when it comes to what to write inside, they are EXPENSIVE. $7.99 for a card? Nah, bra. I like to make all of my cards by hand, and they don’t have to be fancy! If you are stuck trying to think of what to write or draw Pinterest has a plethora of ideas and no one will know if you borrow one.
  • Cook something new! Cooking in may sound boring, especially if you do so most nights. Handsome Man and I eat our meals at home because we like to cook and it definitely saves money. But that doesn’t mean you have to cook the same old boring thing for Valentine’s! Spruce up the night by making a new or exotic recipe together!
  • Victoria’s Secret is that she is way overpriced. Kohl’s, JCPenny, and TJ Maxx are some of my favorite places to shop for cute… “adult time” wear. They have a limited selection but what they do have is still attractive and costs way less than over at Vicky’s.
  • Gifts. This part doesn’t have to hurt the wallet. I can think of a million gifts for under $15.00. Flowers, their favorite candy, homemade love coupons (again, Pinterest has you covered on ideas). Or you can even make the gift an experience instead! Go to a museum, an art gallery, watch a new comedy special on Netflix, or go to a book store to pick out a new read!
  • Groupon it! Groupon has amazing deals on classes; try your hand at something new, pottery, paint nights, a cooking class, the list is endless. Groupon also has great deals on restaurants, so if you aren’t much of a cook you could still save yourself some cash by looking up a coupon on here!
  • Kid’s class Valentine’s. Have a little one in school? I don’t know if it is still as popular as it was when I was little, but passing out Valentine’s was awesome! You can end up spending a pretty penny on those licensed character Valentine’s kits they sell at the grocery store. A large bag of candy, a funny pun written on construction paper, tape a piece of that candy on and you’re in business.

How will you and your loved one be spending the day?! Share in the comments below!

Until next time, wishing you all Sugar and Savings and a happy Valentine’s Day,

Taylor

Using My Bullet Journal for Time Management

Growing up, my poor mother tried every organization/trapper keeper/planner system to try to help me keep track of my life. Everything worked for a bit, maybe a couple of weeks at the most, but eventually I would lose motivation and stop using them. Fast forward to my college years, trying on my own (in vain, mostly), to find a system I could keep up with. Many, many, planners later and I still would double book myself and be scrambling at the end to make sure my assignments were being turning in.

However, it was after college when I was double booking myself between babysitting for friends and working and dates with Handsome Man that I finally said- ENOUGH IS ENOUGH! (Also, I’m very sorry Handsome Man, I know you had too many dates changed on you!)

Welcome to the Bullet Journal- a minimalist journaling system developed by Ryder Carroll, that has quickly swept the internet world and turned into it’s own art form. I was originally drawn to the idea of creating my own bullet journal because I could change up how I used it as I needed. I couldn’t get bored or demotivated, because I could just set it up a different way and start over. I use my bujo to track a billion things, my friend jokingly calls it “my diary” because I literally keep my life in it’s pages.  I’ll share some links to my favorite bullet journal supplies! Below is how I use it to manage my time, it has forever changed my life.

I change my weeks to track what I need to, recently I have needed to be able to see exactly what time I have appointments, so you can see how my spreads from August 2017 look significantly different from my current week set up.

This current set up allows me to also see where I may have down time to work on things off of my To Do list.

My To Do list is a continuous list that moves from week to week. These are things that I either have to do or eventually have to do, I keep them going so that they stay on my mind and items don’t get forgotten. Once I check it off, it stops moving ahead to the next week. But if I didn’t get to it, it moves on to the next week until I can.

Having it all in one place also helps me decide on things I can work on when I do have that down time. If I try to think of what I should be doing, I’ll never remember, but if it is in one place I can just look!

Technology is not my friend. One of the reasons I double booked myself was that I would put things on my phone calendar and then NEVER LOOK AT THEM AGAIN. I’m terrible. But I need everything in one place to make sure things don’t fall through the cracks.

Future planning. I have set my bullet journal up a number of ways for future planning, the first and foremost being a future log as shown below. I have also used a calendex when my schedule was particularly busy but a future log has served my current needs just fine. You can read about how Kara from BoHo Berry (my bujo inspiration!) here.

I use my bullet journal to keep track of pretty much everything- habits, goals, notes from courses, and much more. Comment below about what else you might like to see from my bujo!

As promised, here are some of my favorite supplies. * This post contains affiliate links. This just means that I may receive a small commission (at no cost to you) if you purchase something through the links below. You will never see me post a link to a product or service that I haven’t used myself and love! Thank you for supporting Sugar and Savings!

My Notebook– I LOVE my Leuchtturm1917 (A5 dot grid), this is the second one I have purchased and will for sure repurchase again. Leuchtturm1917 Medium Size Hardcover A5 Notebook – Dotted Pages – Black

My Pens– I am a weirdo and INSIST on my pens being Ultra Micro Fine point. I have to buy them special on Amazon. The same friend from before says it is like writing with a thumbtack, but the lines stay SO pretty and they make it easy to write in small spaces. Uni-Ball Signo 207 Retractable Gel Pen, 0.38mm Ultra-Micro Point, Black, Pack of 6

My Markers– My Tombows are so very dear to my heart that I literally will not let other people use them. I have bought them each one by one, hand picking the colors. I’m a weirdo. Each color is so beautiful. They all write so nice and don’t bleed through the pages. However, they do sell them in packs on Amazon! Tombow Dual Brush Pen Art Markers, Bright, 10-Pack

Alright! That is it for this week, but like I said, comment below what else you’d like to see from my Bullet Journal!

Wishing you all success in time management, and of course,

Sugar and Savings,

Taylor

Strengths and Weaknesses: How to answer the dreaded interview question…

This week I received a great question.

“Taylor, my friend is about to interview for a new job, how should she answer the question about her strengths and her weaknesses?”

I decided to turn her question (and my answer) into another blog post to help you job seekers out there! Every interview that has ever been conducted, by a Manager reading off of the question sheet corporate gave him/her, includes the dreaded question:

“What do you think are your biggest strengths and weaknesses?”

Yeesh, that’s pretty much what you were hoping to avoid in this job search. If you LIKED your weaknesses, they wouldn’t BE weaknesses. Well here are three tips for providing a killer answer:

  1. Be Honest. Your biggest weakness is not “caring too much”.
  2. Frame Your Weaknesses Positively. If your weakness is “I’m not a team player” instead phrase it positively. “I am an independent and self motivated person, I’m working on my ability to work more effectively in a group setting.” Always say you are working on whatever the weakness is. They want to know you are able to take responsibility and are striving toward self development.
  3. Base Your Strengths Answer Off Of The Job Posting. If they asked for someone with customer service skills, say your strength is your customer service experience and abilities. They WILL ask you to talk more about these so make sure you are honest and able to give examples.

Don’t be ashamed of weaknesses, everyone has them. I personally know that I put too much on my plate, I am terrible at saying no and I love to load up on a busy schedule. This is my weakness because other projects or responsibilities may suffer if I am spread too thin. However, I also know that this makes me a go-getter, and a motivated team player, able to take on multiple projects at one time.

If you are honest and keep a positive spin on your answer, you will do just fine!

What are your strengths and weaknesses? Comment below!

 

Wishing you Sugar and Savings,

Taylor

Top 5 Ways to Nail that Interview

Congratulations! After who knows how many applications and cover letters, you my friend, have a real life interview. This probably isn’t your first interview, or maybe it is, regardless you want to nail it. You want to leave the meeting walking tall and thinking “Oh yeah, I got this.”. Here are my top 5 ways to kill it in any interview.

  1. Re-read the Job Description.
    Re-read the job description you’ve applied for, not only do you want to use this to prepare for tip number two, but you may have applied for a million jobs and you want to be sure you remember exactly which one this is.
    While you are reading, make a note of all of the qualifications they’ve asked for and that you meet. Be prepared to talk about those as you’ll want to highlight them! They wanted someone with a four year degree? You went to the University of Blank and Such and NOT ONLY that, you ran the student organization responsible for implementing new water bottle filling drinking fountains. Take what they’ve asked for and add some personal flair, emphasizing how it makes you suitable for their position.
  2. Research the Position.
    You’ve read the job description, looked up a bit more about the company (or at least you should have), now you have a vague idea about what the job would be like. Research it further, what is the job like at OTHER companies? How does the description you’ve read line up? Write down any questions that come up as you are looking around and comparing,and note the salary differences, you’ll want to have these ready later.
  3. But WHAT do you WEAR?!
    I struggled with this for so long. At 16 I even went to an interview wearing my mom’s work clothes from the nineties (it was not the nineties when I had said interview).
    I was 16 years old, wearing a dated striped turtleneck and dress pants that didn’t fit me, to a pizza place. I almost wore jeans to an audition for college until a teacher said “Oh girl, no.” and then I wore my hostess outfit from work instead. I was clearly in need of help.
    Well, you’ve probably hear the phrase “dress for the job you want” -do this. This is smart. You already did the research, is this company a casual work environment? Then go for business casual. Are they a Fortune 500 Company? Then dress like you are the lead role in a movie about a multimillionaire CEO.
    If you are ever not sure, dress to impress, it is better to be overdressed than underdressed. Be comfortable, feel confident, and for the love of all that is good in this world- iron your damn shirt.
  4. Be Early.
    Fifteen to ten minutes is best. Too early and you look crazy and desperate, not early enough and you risk getting lost in the parking ramp and being late. Not cool. Go early, sit in your car if you must until the 15 minute mark and make your way in.
  5. Ask Questions.
    At the end of EVERY interview they ask “Do you have any questions for me?”. Do not ask “When can I start?” It’s not funny, and they HAVE heard it before, and you will not start.
    DO ask those questions you came up with in your research, and once all of those have been addressed hit them with the real deal sealer– “Is there anything about my application that concerns you? Is there anything missing that I can address?”
    BAM.
    This gives them one of two options. They can either say “No, everything looks great!” thus having them say it aloud that you’ve done well and reminding themselves of what an exceptional candidate you are. OR they can say “Well, we’re worried you don’t have much experience with blah dah blah.” and now you are free to talk about what you DO know about it and what a fast learner you are.

Ta Da! You did it! Now, bonus tip, don’t rush out of there! Take your time, be gracious and shake hands. How you leave says just as much as how you came in. Stay confident, stay pleasant, and then cry in the car if you have to. But you probably won’t, because you just nailed it!

Send a little thank you email later, thanking them for the interview and letting them know you’ll look forward to hearing from them soon.

I hope you all love these tips, and don’t forget to share them with your friends!

Sugar and Savings,

Taylor

How to Set Goals (and complete them!)

January, the time of resolutions gone by the wayside, and binge watching Netflix in your Pjs on the couch. (And if that was your New Years Resolution, you do you- that sounds awesome.)

But a lot of us had more grandiose ideas about what 2018 could bring us. Whether it was a goal to lose weight, save more money, spend more time with family; any goal you may have set can still be a reality for you!

Here’s how:

You may have heard of SMART goals. SMART goals are Specific, Measurable, Attainable, Realistic, and Timely. Meaning your goal must be more specific than “eat healthier”, instead try “eat veggies with two meals each day”. Then they must be measurable, you have to be able to see your results or progress! Even if your progress is just a little check mark off of your to-do list for the day, seeing your results propels you forward and motivates you to keep going.

Then there is attainable and realistic, and I’ll suggest you take these steps lightly. Fearing your goals are unattainable, or unrealistic, will stop you from trying! Now I’m not saying your goals should be “Gain 1,000 new blog followers by tomorrow” because while it is specific, it’s not something you can control. It’s not impossible, but it is unlikely and if you don’t set yourself up with easier goals to meet you’ll be disappointed and quit. Don’t let fear get in your way of dreaming big, but go easy on yourself, great stuff takes time!

And that time is very important. You also don’t want to let “someday” get in your way. If you want something tell yourself when you’ll have it by. Maybe you won’t have 1,000 new followers tomorrow, but maybe by three months from now you could!

Now that you have a goal that is SMART, here is how we’ll achieve it.

I’ll use a money saving goal as an example.

The Goal: I want to save $1,000.00 in the next 60 days.

It is Specific, save $1,000.00, it is measurable, $1,000.00. It is achievable and realistic, and timely, 60 days. So now we’ll break it down into To-Do’s.

The Goal: I want to save $1,000.00 in the next 60 days. To do this I need to _______.

When making your to-do list, don’t worry about a specific order of things yet, we’ll get to that next. Just list everything you can think of that you need to do in order to meet your goal.

  • Save all change
  • Set up automatic transfers to Savings Account
  • Cut coupons to save at the store
  • Look online for rebates
  • Cash the check from Mom
  • Cancel the Hulu subscription
  • Clean the car for change
  • Look in-between the couch cushions
  • Sign up to be an uber driver, etc.

Great list! Now let’s put them in an order. None of the to-do’s above really NEED to be done in a specific order whereas other goals and to-do lists may require one item be done before you can start another. But for our example it still might help you hit those goals! For instance, maybe you cash the check first to use cash when you take your coupons to the store. Then you save the change from your shopping visit. Or maybe you want to cancel Hulu before the 5th when the next automatic payment comes out. You probably want to clean your car before you sign up to start driving for Lyft or Uber. Put your to-do’s in an order that makes sense and jump on it!

It’s very important to do a brain dump of all of the to-do’s BEFORE you try to put them in order, trust me. When you concentrate only on what needs to be done instead of WHEN it needs to be done, you’ll come up with so much more to help you. You’d hate to miss something!

Finally, don’t forget to keep yourself posted on your progress! Celebrate your victories and you’ll have more to celebrate!

Until next time, wishing you all positive motivation to meet those goals, sugar, and savings,

Taylor

xoxo

Apps for Financial Peace? Part One: Penny

Hello Lovely Savers!


The blog post is a little late today, my only coworker has been out for the last few weeks so I’ve been busy, busy, trying to keep up. Silver lining, we’ll have a nice over-time padded savings account for our move next month! Without any further ado, let’s get into today’s post.

Today we are starting a short series on online financial tracking apps/websites. The first app we are looking at is one I had never tried before working through it for this blog, Penny. Penny is a relatively new app from the company Friendly Finances, Inc. The app is supposed to be able to track your spending, income, and bills. All while delivering you the information like a text chat with your new best friend, Penny!


Let’s start with the beginning, super cute hello and sign up!

Ok, so far, so easy, then we get to see how exactly this “texting” thing is going to work.

Evidently, you don’t get to personalize your responses to her, but it’s straightforward and I see where this is going.

Then you will enter which bank accounts you’d like to connect to, I was even able to attach my student loan accounts. AND she sends you cute gifs to emphasize how she’s feeling!

She asks you to answer quizzes, like “where is your favorite fast food place?” This was not entirely applicable to me because I rarely eat fast food and if I stop somewhere it is for fries. However, she decided my favorite fast food place is McDonalds based on that I was there two times in the last three months. And she gave me some fun facts about how terribly the average person eats.

Then things went a little wonky. For instance, when I paid taxes for my bakery, she marked that as a food transaction. Understandable mistake, but it didn’t end there.

She only breaks things down into five categories. Food, Transportation, Bills, Income, and everything else… which is not very specific. Simple for those who like it that way, not my personal favorite. You can also have her ignore certain transactions, like transferring money between accounts, so it doesn’t mess up your tracking. When I went in to look more closely at how she was breaking things down, she was ignoring a lot of them or marking them “everything else” when it should have been falling under transportation for a gas stop. She apparently learns from what you change them to, but she is not very intuitive at the beginning and ignoring expenses could be dangerous for careful trackers.
The five categories she does offer, are able to be viewed in different ways which make them easy to read, but again, a little too simple. It is cool to see the different graphs and visuals, but when things are so general it is easy to nickel and dime yourself into trouble.


As a details person, Penny might not be the right app for me, but I can definitely see her charm! If you really spent the time to go through all of the charges and try to teach her what you want her to track and which category you want it in, Penny might work for you! Otherwise, I personally will be waiting to use it again, at least until the company adds a bit more to its features.

That charm though.

If you’d like to download Penny you can find her on the Google Play app or the Apple store.


Next week I will look closely into Mint, an app that I’ve used off and on for a few years. Comment below which apps you use or which you’d like me to do a review on!

Sugar and Savings,
Taylor

XOXO

This entry was posted in Debt.