Monday Motivation | Cultivate Better Habits

Not too long ago I read this quote from the top financial expert, Dave Ramsey, and I knew it was too good not to share.  “You can’t get out of debt while keeping the same lifestyle”.  Often times we want results for our lives that’s different from our current situation.  The thing is, you have got to change your habits if you desire a different outcome.  If your goal is to upgrade your financial situation, you have to upgrade the effort you put into your goals to see the results.  Increase your income + reduce your spending = the start to a great plan.  Last Friday, I had a three-week profit from our BINGO Money Challenge of $383.00 that could have easily paid for a pair of shoes.  Instead of living the lifestyle that is keeping me in a stagnant financial situation, I snowballed that $383.00 and threw it directly at my student loans.  The gratification I get from a new pair of shoes is nothing compared to the natural high I get from getting closer to my debt free goal.  

Money Quotes from Dave Ramsey on Personal Finance Blog, She Makes Cents

Today, I encourage you to use this week as a week of self-reflection.  What habits do you want to cultivate?  What habits do you want to quit?  We know what each of our end goals are but we often are blind to the things we do to ourselves that sabotage those goals    Start thinking about the things you do every day and how they affect your money goals.  Yes, you can upgrade your financial situation, but you have to upgrade your actions first because your actions become habits… good or bad.

Inspire | One Day or Day One?

The difference between one day and day one is HUGE! One day I will buy my first house.  One day I will apply for a job at my dream company.  One day I will lose the weight. One day I will take that trip I have always dreamed of.  You see, the notion of “one day” allows your dreams and goals for yourself to stay in a constant state of delays and may never happens.  Sure, one day you may accomplish them but who knows when one day will come.  By comparison, “day one” creates a start date of action to get you working toward your goals.  Want to buy your first home?  Your day one should include checking your credit report and score.  Want to work for another company? Cleaning up your LinkedIn page should then become your first micro-goal. Want to lose the weight?  Start by researching which foods are best for your goals and what foods to cut from your diet.  Want to go on a trip, start putting money aside every check.Inspirational Quotese from She Makes Cents | One Day or Day One

Day one doesn’t have to be dramatic, but it is a necessary step in getting where you want to be.  Once you get day one out-of-the-way, keep chipping at each of your goals until you accomplish your purpose.  Doing so will make sure that it will be the last time you have to think about one day because once you start, you should be able to set a date of accomplish goal.  I could say, “one day my student loans will be under the $15,000.00 mark, but instead I know that by my birthday in August, my student loans will break the $15,000.00 mark!  See the difference? Follow She Makes Cents on Social Media!

How to Have the Best Monday Ever!

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MLK Quote to Inspire You to Keep Moving Forward Through Any Situation

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Sometimes unexpected things happen…2016 was proof of that.  The thing is, we cannot give anything the power to paralyze us in a state of anger, fear, grief, complacency, etc.  Today I wanted to share one of my favorite quotes from Dr. Martin Luther King Jr.  I like this quote because it represents that there will be things in life that will attempt to block your path to greatness.  Sometimes we can even block our own blessings.  If you can’t fly then don’t shrug your shoulders and throw in the towel.  It’s so much easier to give up after the first roadblock (See  “How To Come Back from A Setback”).  Lace up your favorite pair of sneakers and get to running, girlfriend.  You might not get to your greatness quickly, but as long as you keep moving forward you are taking the necessary moves to get you one step closer than you were when you realized that flying was not an option.

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{2017 Word of the Year} How One Word Will Guide My Entire Year

fb-qotd-templateI pose this question every year and 2017 is no different.  What one word reflects your vision for 2017?  So many of you submitted thoughtful responses via the SMC Facebook group and Instagram such as “gentleness”, “perseverance”, “do”,  and “focus”.  I even had one response that was in line with my word of the year…INTENTION from the Instagram handle @yourlifefinance.  By definition, intention is a determination to act in a certain way.  I chose “intention” to reflect my vision for 2017 because it adds purpose to all thoughts, words, and actions.  To be honest, I have found that haphazard thoughts, words, and actions tend to get me into trouble.  Toward the end of the year, I started asking God to guide my words so that I speak with intention and not for the sake of attention.  This past year was my year of BRAVERY and even though it started out shaky, I ended the year with one of my bravest moves yet (post to come later on that one…).  intention-adds-purpose-to-all-thoughts-words-and-actionsFour years ago was my year of BALANCE, 2014 was my year of FOCUS, 2015 was my year of PASSION, 2016 was my year of BRAVERY, and I welcome my year of INTENTION.  I am working very hard to make sure that my words and actions are in line with the following criteria:  Is it kind? Is it necessary? Is it truthful?  As each year passes,  I take a moment and reflect on why I chose my earlier words, where I was in my personal development for that to be a necessary focus, and how I  incorporated the meaning of  those words in my life.  

What’s Your Word for 2017 and why did you pick it? Share Below!

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Don’t Let Fear Be A Roadblock To Success

Inspirational Quotes

This is the season when people reflect on the past year and pledge to “do better” in year ahead. I  promised myself that I would “be brave” in 2016 so much so that I selected it as my personal word of the year. The thing is, I spent a great deal of the year doing what I have always done and was perplexed as to why things were not progressing as quickly as I would have liked. Why is this situation still a situation? In a moment of clarity, I was standing in a mirror of self-reflection realizing that I have made decisions in the areas of my career, finances, and relationships based primarily out of fear. This is why I selected brave as the word of the year in the first place; to push myself out of my comfort zone and accept new challenges. Nothing in my life or yours will ever change if we continue to do what we have always done. As Walt Disney says, “ We keep moving forward, opening new doors, and doing new things because we’re curious and curiosity keeps leading us down new paths.  The opportunity for something new is knocking, are you ready to open the door?

What Does “Being Brave” Mean to You?

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{Monday Motivation} You Will Never View Mondays The Same After Seeing This!

I posted this on the shemakescents Instagram and Facebook pages last week and the response was great!!  Sometimes the best motivation one can receive comes from within and often it is as simple as a change of perspective.  Glass half empty or glass half full… either way it is a glass of water and it is your own formed perspective that shapes it as positive or negative thing.  Have a great week and Happy Monday!Monday Motivation

{Monday Motivation From Simone Biles} Out Dream Yourself

Simone BilesToday’s Monday Motivation comes from Simone Biles. Below is a picture Simone put on Twitter with that caption: “out dream yourself”. When you were a child, I’m confident that you believed that you could be anything you wanted to be. I dreamed of being the first ballerina firefighter. Even though people laughed when I said it, I never stopped believing I could actually do it. My parents supported that goal and I have a picture somewhere of me with a plastic firefighter hat on while wearing a pink tulle tutu. I didn’t become the first ballerina firefighter only because I outgrew that dream.
Somewhere along the journey to adulthood, many adults lose the ability or will to dream. We tend to make decisions out of fear. We stay tied down to people and situations that paralyze us into thinking that whatever dreams we have are just too far-fetched to come true. We settle for an ordinary life when we could have the life of our dreams.out dream yourself

For those who are lucky enough to skillfully dream. How many of your actions are supporting your dream? You dream to be debt free but you spend haphazardly. You want to work in a different field or for a different company, but you never apply for another job. You want to meet someone and hopefully fall in love, but all you do it go to work and go home. See my point? This is not me judging you. This is me sharing my observations myself and others of the millennial generation.

Simone Biles had a goal to win- To bring home the goal. She worked hard every day, she sacrificed, and she strengthen her skills to help her accomplish her Olympic dreams. In doing so, it seems as if she exceeded even her own expectations. Monday’s Motivation = OUT DREAM YOURSELF!

cropped-logo-twitter2014.jpgWhat Do You Want to Be When You Grow Up?

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{YTD Update} 52 Week BINGO Money Challenge

She Makes Cents

As we approach the end of week 33, I must say, staying  on top of the 52 Week BINGO Challenge is taking a little more discipline, for me, than in past weeks.  I had a goal to pay off my credit card by August 1st and I beat that goal by a month.  How, you ask?  Well, the closer I got to a zero balance on that debt, the more aggressive I became with this financial goal.  As always, I paid more than the minimum balance and started dumping any and all unassigned money toward that goal.  In working toward the big credit card payoff, I developed a solid habit of saving.  Now that this first goal is done and the high of the gratification is dwindling down, it does look slightly daunting when I look at my next goal on the snowball– my student loans with it’s $18,593.25 balance.  Ugh!!  I plan on making quarterly payments towards the principle with the money that was previously allocated to my credit card minimum + the 52 Week BINGO Challenge to shave off years of interest and thousands of dollars.

Related Post: {Debt Management} How to Shorten the Length of Your Loans & Reduce Interest

52 Week Challenge

Heavy Chains of Habit- Good or Bad?

Chains of habit are too light until they are too heavy to be broken.  Think about it like this, if you are in the habit of putting money aside every week, at the end of the year the weight of your weekly sacrifice would be greater than if you only saved for one week and then gave up.  Every week, saving $10.00 here, $70.00 there, $100.00 every once in a while might not seem like a big deal at the time, but every penny adds up.  Every time you save makes the habit of saving that much stronger.  The same can be said for  bad habits.  Spending $10.00 here and $70.00 there may not seem like a big deal in the moment.  But over time, that random spending becomes a bad habit and the weight of your debt becomes a heavy burden to carry.

YTD 52 Week BINGO Challenge

Doing the original 52 Week Challenge would result in $1378.00 for the entire year.  Doing the #shemakescents BINGO version has me at $1395.00 YTD with another 19 weeks to go for the rest of the year.

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{Monday Motivation} Do What Makes You Happy!

Happiness

Happy Monday Lovelies.  As you get started in your week….have your morning latte and go through your Snap feed, I want you to take a moment and really think about what makes you happy.  If you are not happy with your financial situation…change it.  Make time to up your financial literacy game (you can start here), create a plan to get you closer to your goal, and put the plan into action.  If your career is not where you want it, step back and examine what it is about your job/profession that makes you happy and what doesn’t.  If your relationship has many benefits, but you are not happy, it’s okay to start that conversation with your partner  about what will make you happier.  Life is too short to waste time doing something that has a negative impact on your happiness.   My birthday last week marked my new beginning.  I will  prioritize happiness in my life the way I see fit and I encourage you to do the same.  Remember, nothing is worth it if it doesn’t make you happy.

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