52 Week Money Challenge from top personal finance blog, She Makes Cents

Here’s An Easier Way to Save Money with the SMC Money Saving Challenge

Published on January 26, 2022January 26, 2022 by Danielle YB VasonLeave a comment

Hey there, goal-setter! I see YOU. You are looking toward the new year and you are ready to make some changes. You recognize what worked for you financially and what didn’t this past year and you are finally ready to do something your future self will thank you for.

If this sounds like you, keep reading because the SMC Money Challenge may be just what you need…

WHAT IS THE 52 WEEK SMC MONEY CHALLENGE?

The SMC Money Challenge is back for its EIGHTH year! This challenge is a weekly savings plan that works for everyone, no matter one’s level of financial literacy or income. Hint Hint: accept the challenge, your future self (one year from now) will thank you! Every week you will cross off a number between 1-52 and apply that amount toward your money goal(s). Bonus boxes are also available for those looking to push themselves to save even more. SMC Money Tribe member, Cari, took advantage of the SMC Money Challenge bonus boxes on her money tracker and saved $15,000.00 in last year’s challenge. In the past three years, SMC Money Tribe leader, Danielle YB Vason and her husband used this challenge to pay off $44,000.00 in debt. Now, imagine what your money success story will be.

WHO IS THE SMC MONEY TRIBE?

The SMC Money Tribe is a community of goal-setting women who accepted the challenge to invest in their money and lifestyle goals with the best accountability partners out there- other women who are also shifting mindsets while tackling debt, saving money, and replacing bad money habits with smart money moves.

Those who accept the challenge are most successful when they also join the SMC Money Tribe Facebook group for weekly check-ins to share their progress, ask questions, and cheer each other on. By saving something every week, you get to practice your saving habit over and over until it becomes a lifestyle. Remember, personal finance is 80% behavior and 20% knowledge.

SMC Money Tribe member, Cari, took advantage of the SMC Money Challenge bonus boxes on her money tracker and saved $15,000.00 in last year’s challenge.

WHEN DOES THE CHALLENGE BEGIN?

Mark your calendars, the SMC Money Challenge begins Friday, January 4, 2022. After that, weekly check-ins will open up every Friday and will stay open until Sunday night on the SMC Facebook Group. During that time, SMC Money Tribe members are expected to invest in their goals by actively participating in weekly progress updates, money chats, and mini-challenges. Interactive content related to the challenge will also be available on the @shemakescents Instagram page.

HOW TO JOIN THE 2022 SMC MONEY CHALLENGE

Follow @shemakescents on Instagram
Post this image below in your Instagram Story (you MUST tag @shemakescents to I can see it).
Join the SMC Facebook Group (this will be your home base for the tribe to ask questions, support each other, and hold each other accountable).
Download your 2022 SMC Money Challenge Guides– (Challenge Hack: Use the Instagram version to share your progress with the tribe & print the main version to add more private information to track your more personal goals at home).
Set a calendar weekly to save your money & check-in

ARE YOU READY TO JUMPSTART YOUR MONEY GOALS?

Often women are left to fend for themselves with regards to money matters. As an active member of the #SMCmoneytribe, you will no longer have to walk the path toward financial freedom and a fabulous lifestyle alone. Should you get off track, you can always catch up or start over, we just ask that you don’t give up on this challenge, your goals, or yourself. YOU can do it and you have an entire TRIBE of people cheering you on!

Follow @shemakescents

join the SMC Money Tribe

How To Crush Your 2020 Money Goals with the SMC Money Challenge

Published on December 28, 2019December 30, 2020 by Danielle YB Vason4 Comments

The SMC Money Challenge is back to help you crush your money goals in this new DECADE! Now it’s time for the SMC Money Tribe, a community of goal-setting women, to accept the challenge and invest in their money and lifestyle goals in 2020. We are shifting mindsets while tackling debt, saving money, and replacing bad money habits with smart money moves.

Beginning on January 2, 2020, weekly check-ins will take place Thursday through Sunday on Instagram. To check-in, all you have to do is post your 2020 SMC Money Card on to your InstaStory, cross off your savings amount, and tag @shemakescents to share your progress. The conversation will also continue in the private SMC Money Challenge Facebook group where tribe members invest in their goals by engaging in money chats and mini-challenges with the best accountability partners out there…other women with money-saving goals. Often women are left to fend for themselves with regards to money matters. This is why a community for women to discuss personal finance without shame or embarrassment is important.

In the past two years, SMC Money Tribe leader, Danielle YB Vason and her hubby used the SMC Money Challenge to pay off $30,000.00 in debt. Other tribe members, like Victoria from Atlanta, shared a $27,000.00+ debt payoff and Angela from Australia saved enough money for a 5-week vacation to Mexico and the US. Regardless of whether you are joining the challenge to pay off debt, save for the future, or save for something specific like a house, wedding, or vacation, the SMC Money Challenge is for you!

How Does the 2020 SMC Money Challenge Work?

At the beginning of the year, a new money challenge guide is created. Each week, tribe members select one number from their money guide with the option to add “bonus” money and save that amount toward their money goal. With the bonus option, the sky’s the limit with one’s saving potential.

This year will be the fourth consecutive year I have accepted the challenge and so far I paid off my credit card, my student loans, a cell phone, and my car. I am not a personal finance blogger who sold all of her stuff and lives off rice and beans. I am not rich nor did I come from a wealthy family. I am an “every girl” that woke up one day and decided I could do better for myself and for my future. I made a choice to change my financial future. What choice will you make today that your future self will thank you for?

How to Join the 2020 SMC Money Challenge?

Follow @shemakescents on Instagram
Post this image below in your Instagram Story (you MUST tag @shemakescents to I can see it).
Join the SMC Facebook Group (this will be your home base for the tribe to ask questions, support each other, and hold each other accountable).
Download your 2020 SMC Money Challenge Guides- Instagram version or Print version (Challenge Hack: Use the Instagram version to share your progress with the tribe & print the main version to add more private information to track your more personal goals at home).

How To Jump Start Your 2019 Money Goals with the SMC Money Challenge

Published on December 29, 2018December 28, 2019 by Danielle YB Vason2 Comments

The SMC Money Challenge is back and better than ever. After a successful 2018 run, the SMC Money Tribe, a community of goal-setting women who accepted the challenge to invest in their money and lifestyle goals, is ready to take on a new money challenge. We are shifting mindsets while tackling debt, saving money, and replacing bad money habits with smart money moves. Beginning on January 3, 2019, weekly progress check-ins will open up every Thursday at 7pm (EST) and will stay open until Sunday at midnight in SMC Money Challenge Facebook group and on the She Makes Cents Instagram account. During that time, SMC Money Tribe members are expected to invest in their goals by participating in weekly progress updates, money chats, and mini-challenges with the best accountability partners out there…other women with money-saving goals. Often women are left to fend for themselves with regards to money matters. This is why a community for women to discuss personal finance without shame or embarrassment is important.

Last year, SMC Money Tribe leader, Danielle YB Vason and her hubby, used the SMC Money Challenge to save money for EXTRA debt payments. In doing so, they paid off over $19,000.00 in debt in 2018 alone. Other tribe members, like Victoria from Atlanta, shared a $27,000.00 debt payoff and Angela from Australia saved enough money for a 5-week vacation to Mexico and the US. Regardless of whether you are joining the challenge to pay off debt, save for the future, or save for something specific like a house, wedding, or vacation, the SMC Money Challenge is for you!

How Does the 2019 SMC Money Challenge Work?

At the beginning of the year, a new money challenge guide is created (this is a FREE download for members of the SMC Money Tribe). Each week, tribe members select one number from their money guide with the option to add “bonus” money and save that amount toward their money goal. With the bonus option, the sky’s the limit with one’s saving potential.

Years ago, the 52 Week Money Challenge floated around the internet. It was a savings challenge that dared those who accepted to save the dollar amount that corresponded to that particular week of the year. For example, on week 1 you were expected to save $1.00 and on week 25 you were expected to save $25, and so on. If you were successful, by the end of the 52 weeks, you would have saved a grand total of $1387.00. The thing is, at the time that this challenge was beginning to gain popularity, I knew that it wouldn’t work for me. The idea of saving numbers like $49, $50, $51, and $52…during the holidays was a bit rich for my blood back in 2013. That is when I was inspired to create a “bingo” version where I had more control over my money and how much I saved each week. I selected one number between 1-52 weekly and I saved put that amount toward my debt payoff goal because, at the end of the year, it doesn’t matter how you saved because you will still end up with the same $1387.00. Years later I upped the ante with bonuses that allow tribe members to save a minimum of $1387.00 and a maximum with no limit.

It took a few attempts, but finally, the perfect mix of inspiration, determination, and discipline combined and I was able to make it through 52 weeks successfully. The next year, I added in “bonus boxes” on my money guide and saved a little more. Then I added a way to track the savings. You see, every year I complete the challenge, I find a new way to tweak it and make it better for next year and I must say the 2019 SMC Money Challenge guide is proof of that. Now, I am proud to say that I have successfully completed 156 consecutive weeks doing this challenge. In my three successful cycles of 52 weeks, I have used the money to make EXTRA payments to my debt snowball. I paid off my credit card debt, my student loans are paid in full, and when of writing this post, I am projected to pay off my car loan 4.8 years ahead of schedule (by February 2019)…and that is just a snippet of my journey. I am not a personal finance blogger who sold all of her stuff and lives off rice and beans. I am not rich nor did I come from a wealthy family. I am an “every girl” that woke up one day and decided I could do better for myself and for my future. I made a choice 156 weeks ago to change my financial future. What choice will you make today that your future self will thank you for?

How to Join the 2019 SMC Money Challenge?

Follow @shemakescents on Instagram
Post this image below in your Instagram Story or this image to your Instagram grid (you MUST tag @shemakescents to I can see it).
Join the SMC Facebook Group (this will be your home base for the tribe to ask questions, support each other, and hold each other accountable).
Print your FREE 2019 SMC Money Challenge Guide

The Goal Setting Hack You Should Do BEFORE Starting Any Money Saving Challenge

Published on December 28, 2018December 28, 2018 by Danielle YB VasonLeave a comment

BEFORE THE CHALLENGE

REFLECTION: WHERE DO YOU SEE YOURSELF ONE YEAR FROM NOW?

One of the powerful tools for goal planning is the ability to visualize a goal. Many high achievers use visualization techniques as a practice to “see” their desired outcomes for themselves even before they happen. As we approach the beginning of a new She Makes Cents Money Challenge, I will guide members of the #SMCmoneytribe, both new and old, by providing a weekly roadmap to success. By engaging tried and true success techniques, our tribe will not only reach our goals for ourselves in the new year but surpass them.

Before we begin our new money savings challenge on week 1 of 2019, you need to first take a moment and write a quick letter to yourself.. The letter should be from your future self…one year from now, painting a picture of what you want your life to look like. Make sure you include your big money goals, savings goals, and/or goals for your sinking funds. Be as specific as you can because the more details you include the more you can prepare your mind to accept the image as possible. Also, the challenge will get….well challenging. Many people start out the year enthused and excited and slowly lose focus or discipline along the way. By having this letter for yourself, when times get tough and “life happens” (my version of Dave Ramsey’s “Murphy”) it is nice to have this letter…this promise to yourself to inspire you and get you back on track. Just think how nice it will be when you are looking back on your year, one year from now, and everything that you envisioned for yourself and family have manifested.

Below is a letter to my future self…

One year from now I am… driving around in my BMW that was PAID IN FULL 4.2 years ahead of schedule. This happened back in February of 2019. I feel so relieved that I was able to eliminate another debt so that as a household, we can move on to our FINAL DEBT in Baby Step 2 (BS2). Not only does this get me and my household one step closer to our #debtfree goal, but it provides a little financial cushion/security for when “life happens”. One year from now my hubby and I have put a major dent in his car payoff because we have opted to snowball the money was used to pay off my car and students loans to pay off his car ahead of schedule, add to our sinking funds, and increase our savings. We began the year with $26,176.81 of debt left on baby step 2 (BS2) and we are ending the year having paid over $10,000.00 toward our debt.

See how I am claiming that in advance? When you think positively, write down your goals, affirm your plan, you prepare your mind to accept those positive affirmations as true.

Working on our finances together has strengthened our marriage because it gives us another opportunity to work together as a team. We are better together and making better financial decisions is just one example of that. One year from now, we have funded sinking funds that covered ALL of our holiday expenses, our flights for travel, and those “oh shit” moments like replacing an AC unit or repairs for the bimmer. We are building for a better future one dollar at a time. We are happy. We are one step closer to being 100% debt free (not including our mortgages) before my 35th birthday in 2020.

This exercise may feel strange at first because you are talking about things that haven’t yet happened in the past tense. You are reflecting on things that are not real…yet. It is important, though, because when the financial discipline required for this challenge starts to fade, you will have this vision…this image to inspire yourself to keep going even though the going may be getting tough.

Pro Tip: Create a She Makes Cents Money Challenge folder and let this letter to yourself be the first thing you put in your folder. The 2019 She Makes Cents Money Challenge will include several prompts and freebies throughout the year and keeping your folder in a safe place that you can access weekly will render BIG results. If you want to be successful, this is one of the very first things you should do BEFORE the challenge starts January 3, 2019.

Money & Friendship- Why You Should be Talking to Your Friends About Your Money Goals from Personal Finance Blog, She Makes Cents

Why You Should be Talking to Your Friends About Money

Published on April 18, 2018August 10, 2018 by Danielle YB VasonLeave a comment

Do you think “money” is still a taboo topic to discuss with friends and family? What about complete strangers? Seriously, I had to really ask myself, “what is it about the subject that people find uncouth, especially for women”? For years I was plagued by these questions all the while sharing my money goals, successes, failures, and lessons with the world-wide-web so freely that Emily Post is probably clutching her pearls from the grave. For me, the benefits outweighed any conversational manners that many of us were taught as children. Not only am I able to measure my progress on the path to financial freedom by going back to old blog posts, I am also able to see the progress of my financial literacy and maturity. None of which would have been possible if I avoided subjects like money, debt, and that bi-atch, Sallie Mae.

According to a study from Fidelity Investments, eight out of ten women confess they have refrained from discussing finances with those they are close to even though 92% of women want to learn more about financial planning. The study went on to find that 65% of women are most inclined to speak to their friends about shopping tips, 44% of women will speak to friends about issues at work, while only 25% of women are open to discussing spending habits and even less about investment ideas at 17%. The benefits of participating in money talks and investing in one’s financial literacy overweigh the social taboo of the subject. If you are embarrassed by your current financial status or level of financial literacy, it is time to get over it. Repeat after me: Today is the day that I will acknowledge where I am in my financial journey and take a step and then another toward my goals.

TWEET THIS: Repeat after me: Today is the day that I will acknowledge where I am in my financial journey and take a step and then another toward my goals.

TWEET THIS: 8 out of 10 women confess they have refrained from discussing finances with those they are close to even though 92% of women want to learn more about financial planning.

The Benefits of Talking About Money With Your Inner Circle

I remember at one point in my life when I was not so much trying to keep up with the Joneses but more so trying to keep up with my former self who would frequently pick up the check for the table. I was trying to keep up an old lifestyle that honestly I had outgrown and instead of sharing my newly established money goals with my friends, I just slapped down a credit card and bought another round for the table. At that time in my life, I was embarrassed to announce my relationship with the dreaded “B” word…. budget… or even more vulgar…. broke-ish. When you bare your soul to the world, it leaves little room for the inauthentic. At one point, I reached a high credit card balance and I no longer was willing to try to keep up with my old life. Instead of saying yes to every social occasion and international trip, I decided to say yes to my finances, instead. Looking back about 10 years ago, I could have saved myself some serious CA$H if I had shared my financial goals with my inner circle. In fact, it might have open the conversation for others to share where they were on their journey, their tips, tricks, failures, and successes. Today, that same inner circle has become a source of strength. We keep each other honest and moving on the path we have set for ourselves. We talk investing strategies, dominating debt, and goals of providing wealth to future generations that aren’t even born yet… all while sharing our tips on the best place to get balayage for our hair and organic nail shops.

Ladies, we have got to start speaking up, leaning in, and getting in front of the barriers that keep us from living our best life. I am not saying that you have to blast your business to the world like I do, but I am saying that you should talk about money with people you respect and those who will help hold you accountable. Even though the number of women who shy away from money talks with their inner circle is frankly frightening, it is even more puzzling that women say more support would encourage them to be more engaged in their finances. Imagine what we could do if we all took on the charge that empowered women empower women. My accountability group members are better women for it because we have learned to accept ourselves and each other where we are in our journeys. As we are maturing as women, so is our financial literacy and authenticity.

Join Our Financial Accountability Tribe

If you are looking for a community of goal-setting women, then the SMCmoneytribe may be the group for you. Instead of one accountability partner, you will have access to a tribe of partners to share your story, bounce questions and ideas off of, and celebrate your milestones. In addition to gaining personal finance tips and tricks that have worked for the people in the tribe, you will also gain confidence in speaking on the subject money with people supporting your journey to the fab life.

How To Save Real Money With This Money Challenge | February Savings/Income Report 52 Week Bingo Money Challenge from Money, Career, & Lifestyle Blog, She Makes Cents

2018 February Recap | 52 Week BINGO Money Challenge

Published on March 7, 2018March 7, 2018 by Danielle YB VasonLeave a comment

We are approaching week ten of the 2018 She Makes Cents 52 Week BINGO Money Challenge and I must say, that this year’s money tribe is the most committed tribe we have had in three years. For those of you who may be new to this blog, the She Makes Cents Money Tribe (SMCmoneytribe) is an uplifting community of women from all over the world that supports each other’s financial journey and savings endeavors. Every week, we share our wins, big or small and celebrate each other’s progress. At the beginning of the year, it is easy to be motivated by the “newness” of everything, but as the year goes on, many people find it Generally, the month of February is when most people abandon the goals and habits they resolved to attain. In fact, according to Business Insider, 80% of people fail their New Year Resolutions by February so the #SMCmoneytribe is going strong means that we are beating the odds with our money goals and resolutions we made for ourselves at the beginning of 2018. WAY TO GO, TRIBE!

February Recap: 52 Week BINGO Money Challenge

Back in January Recap of the 52 Week BINGO Money Challenge, I shared a MAJOR goal to have my student loans PAID IN FULL by October 2019. In order for me to reach this big money goal, I have to aim for smaller milestones along the way. For the month of February, I saved a total of $210.00 on this challenge by crossing off $45, $15, $50, $49, plus a $51 bonus. Every week, without fail, I select a number from the She Makes Cents Money Guide and I send that amount to my student loan provider. Additionally, since the Mr. and I are knocking out this debt together, the Mr.’s contribution of $250.00 helped us to send an extra $460.00 (in addition to the monthly payment) toward student loan debt.

This time last year, I had over $18,000.00 in student loan debt with a goal to get my student loan balance to $12,505.00. Not only did I hit that goal, I surpassed it before the end of the year. By January 2018, I had a balance of $12,505.00 (the extra $5 was because of the daily accruing interest) and I closed the month of February at $11,378.37.

How to Join the 2018 SMC Money Tribe

The new 2018 SMC Money Tribe Facebook group will serve as a “home base” for the #SMCmoneytribe. There you will be directed to fill out a quick registration form and download the money card. This is a space for active members and as a member of the SMCmoneytribe, you will gain exclusive content, motivation, and financial tips and tricks that will help you whether you are saving to pay down debt like me or saving to take a fabulous trip or two in the new year (also me). This year, you will have the option to do your weekly check-ins on Friday and/or Saturday on all of our social media handles to make it easily accessible to people who are only active on certain platforms.

HERE IS HOW YOU CAN JOIN THE TRIBE & THE MONEY CHALLENGE…

Join the SMC Money Tribe Facebook Group
Complete the registration form to select your weekly check-in date
Follow She Makes Cents on Instagram, Twitter, Facebook
Pick a savings goal & get ready to save some $$$$ in 2018

Money Affirmations That Work to Bring Wealth & Abundance | From Money Saving Blogger, Danielle YB Vason of She Makes Cents

How to Apply Money Affirmations To Make Your Goals A Reality

Published on July 6, 2017 by Danielle YB Vason3 Comments

An affirmation is a strong, positive statement that something is already so. It is a way of “making firm” that which you are imagining. So I ask you this, when you think about your goals and desires for yourself, is it a negative or positive experience for you? If you visualize your goals in a positive way, you affirm the presence of positivity in that area of your life. For you, that change is already in motion because you are attracting that abundant energy into your life. The same can be said for negative thoughts. According to personal development author, Shakti Gawain, “When we create something, we always create it first in thought form. A thought or idea always precedes manifestation”. Think about what greatness we can bring to our goals and desires if we affirmed them in success. In this post, Money Affirmations to Attract Financial Abundance I shared some techniques that will help you release your negative mindset with money so you can approach your finances from a mental state of confidence, pride, and positivity. Today I am here to share some new financial affirmations that can help you take back control over your financial goals.

Money Affirmations To Attract Wealth

When we form positive associations with money we give ourselves permission to prepare ourselves to receive it. We no longer fear it or fear what it would be like to not have it. I invite you to start in inspiration pinboard and pin the below affirmations them there. Then print them, share them, and/or place them in various places so that you can have reminders of the desires you are affirming for yourself. Add them to your vision board, your bathroom mirror, your refrigerator, your Instagram account (seriously, think about how often you check your IG account in a day), or your desk. Speak them aloud and add your own name to give it more power. Instead of saying, “I attract wealth and abundance” try saying “[Insert your name] attracts wealth and abundance”. Why, you ask? Well studies show that the adult brain activates, when one hears, their own name. Below are some of the newer affirmations I have added to my practice and I hope you add them to yours to attract a more positive experience with money.

Money Affirmations to Manifest Abundance from Personal Finance Blog for Women, She Makes Cents | Law of Attraction

Personal Finance Blogger, Danielle YB Vason of She Makes Cents shares how she is taking control of her debt with her money challenge and Dave Ramsey's Baby Steps

Money Challenge Half Year Review

Published on July 2, 2017July 1, 2017 by Danielle YB VasonLeave a comment

There are times when you are working toward a goal and it is hard to see the progress of your work. This, my friends, is not one of those stories. Since January of this year, the #SMCmoneytribe and I have used the 52 Week BINGO Money Challenge that I created to save towards each of our money goals. Many members of the SMC Money Tribe are saving for a dream vacation and it makes me proud that because of their planning and saving, their dream to see the world can happen without disrupting their long-term money goals. I, on the other hand, am saving money to use as extra payments toward my student loan debt. This process is known as a debt snowball. Snowballing your debts helps you pay them off much faster and can save thousands of dollars in interest. In my case, my student loans are keeping me from progressing to Baby Step 3 from financial guru Dave Ramsey because they are the last of my debts, not including my mortgage.

JUNE RECAP

Last month was the first time I can remember actually seeing progress to reduce my student debt and this month blew last month’s money recap out of the water. For the month of June, I saved more money than any of the previous months and the last four months combined. I sent two major snowballs to my student loan provider to pay down the balance instead of pushing back my next due date. This lets your money work for you and not the other way around. I also saved $326.00 for the month and hit the $700.00 YTD mark for this challenge. With a contribution from the Mr., we have saved a combined $1,575.00 that we could have easily spent on frivolous things. Thanks, babe! Teamwork makes the dream work.

MONEY GOAL TRACKING

At the beginning of the year, I wrote out my money goals and one of them were to pay off my credit card debt, which I did. The second one was to have my student loans at or under $15,000.00 by the end of the year. Around April of this year, I upped that goal date to October and then again, in May, I thought I would push myself further and make it a goal to have the balance at $15,000.00 by the end of my birthday month, August. I did this because a goal date of the end of the year ensured that I would hit the goal, but with such a long time to work toward the goal, it took away the hustle for it. By pushing the date up to August, it really forces me to review how I am spending and saving money and keeps me motivated to the short-term goal at hand.

Reader Profile: The SMC Money Tribe

Published on June 13, 2017 by Danielle YB VasonLeave a comment

At the beginning of the year, I announced a new resource offered to She Makes Cents readers who were participating in our 52 Week BINGO Money Challenge. I was inspired to create a “tribe” of like-minded women to make sure that no one feels alone on their financial journey. Members of the SMCmoneytribe have become each other’s best accountability partners and not only celebrate each other’s successes but also inspire better saving habits among women. We believe that we can reach our money goals while breaking the glass ceiling in our careers and living the life we always imagined because we have an entire TRIBE of people cheering us on!

Calling the SMCmoneytribe

Are you a member of the SMCmoneytribe? We want to the world to meet the inspiring community of women who make up our tribe, to hear your stories, see what inspires you, and feature your progress. One of our mantras here at SMC is the idea that “empowered women empower women” and we can’t wait for the world to be inspired by our tribe of women who are breaking down financial barriers and engaging in money discussions. Submit your reader profile here and you could be featured on shemakescents.com!

Money Challenge 2017 | February Savings Recap

Published on February 28, 2017March 1, 2017 by Danielle YB Vason1 Comment

Hello #SMCmoneytribe! Can you believe that we just finished the second month of the she makes cents 52 Week BINGO Money Challenge? I sure can’t. As we approach a new month I can’t help by wonder, how many of you are still going strong on the challenge? According to Business Insider, 80% of people fail their New Year Resolutions by February. It is easy to have a laser focus on your money, career, and lifestyle goals when a clear transition is before you. Think about all of the people who vow to do better in the new year, who will start clean eating on Monday (aka the start of the new week), and who pledge to start saving more once they earn their next paycheck. Anybody recognize themselves in the statements above?… as I raise my own hand. The thing about all of those examples is that is pushes off you goals to another day; therefore, delaying your ultimate reward- a goal accomplished. Last Friday marked the end of month 2 for the she makes cents 52 Week BINGO Money Challenge and the best thing about our money challenge is that you can easily catch up if you have fallen behind or you start over. The greatest thing about this challenge is that as long as you don’t stop, you will win at your financial goals.

February Recap

Below is the financial breakdown for the month of February. As you can see, I crossed off lower numbers than the previous month. I saved an extra $41.00 this month putting me at a YTD of $149.00. I am really looking forward to March. Hopefully, I will cross off my first bonus box of the year.

How Are You Doing on the Money Challenge? I’d love to hear from you!