NEW YEAR HOPE

In case you have been living in a hole and didn’t hear, it’s a new year! What financial goals do you have? What’s your plan for achieving them?
Here’s a little reminder for you to have H.O.P.E.

Habit - make a habit of dreaming - what do you want life to look like 5, 10, 20 years down the road? Then, with that dream in mind, make a habit of budgeting every dollar - make a plan and stick to it (but remember to give yourself grace when life happens as it always does). Lastly make a habit of eliminating debt - stop allowing your past decisions to determine the kind of life you have now.

Opportunity - Remember the opportunity costs. Ask yourself, “what is the best use of this money now?” then make it happen. Take the opportunity to increase your income. Remember to find opportunities to give - when we open our hand to give, we are also open to receive.

Plan - Plan for those emergencies - those true expenses. We all know that Christmas comes on December 25th every year - it’s not a surprise. Start now to tuck a little away each month to pay for it. The same goes for car and home repairs, school fees, kids who grow out of their clothes… We know these things are going to happen, let’s be as ready as we can be. Along with that, don’t forget to have some good health, auto, home, and life insurance coverage in place as well.

Elevate - Take your dreams, goals, and budget to new heights, continuously striving for progress and financial success. Once you reach a goal, set another one. Keep dreaming. Keep reaching. Keep moving your finances forward.