Friday, April 19, 2019

Financial Goals for 2019

Hi beautiful people! It's been a while since I've been on here. I've made every excuse in the book not to be consistent with my blog, but my priority this year is to do what makes me feel good. And blogging makes me feel GOOD.

 I won't bore anyone with my personal life drama now, as I'm sure there will be plenty of writing about that later, but I wanted to talk about something that is extremely important for me to accomplish in the next few years. And that would be being debt-free.

I'm sure many have heard of Dave Ramsey and his methods: no credit cards, no student loans, no going into debt to try and get rich etc. I've listened to his podcast for a few years now and I finished reading his book, The Total Money Makeover, about a year ago. I will be completely honest...I would be ALL IN for a few weeks and then slip off the plan for a few months. I'm finally at the point where I am "sick and tired of being sick and tired".

I'm luckily enough to live with my parents and have minimal bills, but somehow I've found myself in a hole that I'm struggling to dig myself out of.

One of the driving reasons why I've finally had enough is that I'm seeing others around me take major steps in their lives. Granted, Dave is BIG on not keeping up with the Jones'. I'm aware that everyone has their own path, but I feel like I have nothing substantial to show for myself at the age of 27.

It is my goal (in order to build wealth) to live off less than what I make and clean up the mess I've created. As my first steps, I've rewritten my debt snowball (which I've done at least 10 times before) and wrote out my payments due for the rest of April and the month of May.

I plan on keeping myself accountable by posting my debt-free journey on my blog. It's out of my comfort zone of what I normally posts, but I hope you all will enjoy.

What are some long term and short term goals you have planned for the next year or so?

Love and desserts,