5 Changes to Make to Your Personal Finances

5 Changes To Make To Your Personal Finances - Chic and Domestic
5 Changes To Make To Your Personal Finances – Chic and Domestic

Not everyone has a positive relationship with money. In fact, if we can be honest, I believe that most of us don’t have the best relationship with our money. Are we making enough? Are we spending too much? Are we investing enough? Are we saving for the right things?

I would be lying if I said that I’ve always been great with my money because I haven’t. Sometimes I overspend on things, there have been times when my budget is nonexistent, and I have spent a great amount of time living life without an emergency fund! … YEAH.

It takes a lot to really be serious and committed to your finances in the beginning, but the more positive changes that you make, the stronger your money relationship gets. Every positive step you take in the right direction puts your finances in a better position to really build the foundation for the dream life that you imagine.

1. Save money
If you currently aren’t saving, you my friend are doing something wrong. When it comes to savings, every little bit counts. It doesn’t matter if you can afford a more aggressive savings goal, or if you’re seriously saving just a few dollars a week. When it’s time for you to break the glass for an emergency, you’ll be glad that you’re even a few dollars, or even a couple hundred dollars closer to paying for that emergency. If you can start and commit to building a savings, then you’re already strengthening the self control it takes to tackle your personal finances.

Check out my post “5 Money Challenges To Try In 2019” here!

2. Get out of debt
Plenty of people in the world live successfully with debt over their heads. The United States does it with ease and not a care in the world. That’s not the point! The point is, you don’t want to be one of those people, and you don’t want to be thousands of dollars in debt. Regain control! I absolutely understand that not everyone will be buying a house in cash, or avoiding car payments and credit cards, but it’s important to prioritize and recognize that too many unnecessary debts all at once is a downward spiral. Start by paying off or paying down your store cards, paying off a small medical bill, pay those parking and toll fines! Stop letting other people hold that IOU over your head, and get them out of your life FOR GOOD.

3. Cut your expenses
It’s really the little things that start to add up. Reevaluating your budget is something that you should do every so often, but especially when you’re wanting to make some positive changes to your finances. Get rid of that extra subscription, maybe an unused gym membership, or even finding ways to cut down a few of the expenses that you plan to keep. Nine times out of ten, for the average person, you’re probably overspending somewhere. Again, every little bit counts. Every penny that you save by cutting your expenses can then be used to tackle your debts, or pad that much needed savings account.

4. Invest
If you’ve read my post “My Personal Finance Goals For the New Year” then you’ll know that one of my larger goals for the new year is invest. Investing can mean whatever you want it to mean for you personally. Invest in stock, invest in your financial knowledge, invest in your financial future. Like your personal finances, how we manage money is always evolving, so it’s always good to keep up with all of your options out there to put you in a better place financially.

5. Change your mindset
So much of making a lifestyle change is mental. Tell yourself that YOU WILL, and stop making excuses as to why you can’t. You will save, you will pay off that debt, you will reach all of your financial goals, you will build the life that you want for yourself.

Be sure to follow me on Pinterest! Pinning budget greatness, All Day, Every day.

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7 Budget Friendly Health and Fitness Hacks

7 Budget Friendly Health and Fitness Hacks – Chic and Domestic
7 Budget Friendly Health and Fitness Hacks – Chic and Domestic

Going on a health and fitness journey can be hard enough! Trust me, I’m doing it. Some days are great, some days are better than others, some days are difficult to push through.

Being a busy mom on a budget, I try to find ways to do everything with my wallet in mind. When I decided that it was really time to take my health, and fitness seriously, I went shopping. TOTALLY not necessary, but ehh doing a little bit of budgeted shopping makes me feel like I’m taking things a bit more serious. If I spend money on it, I’m going through with it! No questions asked.

Looking at my health as an investment, there were a few things that I wanted to purchase to better equip myself with what I needed to stay consistent.

1. Utilize the Outdoors
The most budget friendly fitness hack I can give is to utilize the outdoors. Go outside! Get yourself some much needed Vitamin D. It’s summer, sweat it out! Switch up how you do your daily workouts and change your scenery. Use your backyard or outside deck to do a quick 15 or 30 minute workout routine in between daily tasks. Instead of hitting the gym, go visit your local park or nature trail for a walk or run. I actually tried hiking this summer with my husband (the ex-military/aspiring personal trainer, yea that was fun) and it was a great workout for me.

2. Meal Prepping
Healthy eating has been so much easier for me without the need to stand in front of my refrigerator wondering what I’m going to eat. It also saves me from reaching for a snack vs reaching for a well balanced meal or snack. I’ve also been loving meal prepping for my grocery budget because it saves me from having food go to waste. Clean eating means a lot of fresh ingredients, and it sucks when things don’t get used before they go bad. Meal prepping along with my normal family meal planning has been a lifesaver thus far.

Check out some of my favorite meal prep containers here!

3. My Fitness Pal
Along with meal prepping, I’ve been tracking my food, water, and exercise intake with the free My Fitness Pal app. At first I found it to be tedious to keep up with, but after about a week of figuring out how it worked, I feel like it has really helped me to watch what I’m eating, and how much I’m eating.

*Fit Mom Tip: Try out Cronometer, Keto Diet Tracker, or Calorie Counter by FatSecret

4. Fitness Blender
I am in loveee with Fitness Blender. Did I mention that I love it? If you’re anything like me, sometimes it’s hard to come up with general workouts, especially when you’re first starting a fitness journey. Sometimes it’s difficult to find workouts for a specific target area, or maybe you’re doing the same workouts and your body needs a change. Fitness Blender has been great for the days that I don’t have a ton of time, or I just need a quick workout routine that I can do in my living room without too much change to my already hectic schedule.

5. Planet Fitness
For the days that I am up for going to the gym, I like having my planet fitness membership on hand. It’s only $10 or $19.99 a month depending on the plan. You also get a few perks with the $19.99 black card membership. I don’t know about you, but that’s worth it to me to have 24 hour gym access. Gym memberships can get costly very quickly, but this has by far been the best gym option for me and my lifestyle.

6. Resistance Bands
Resistance bands are a cost effective way to strength train in the comfort of your own home. It’s a great piece of workout equipment to have to help tone your entire body, work your muscles, and add variety to your at home workout routine. It’s pretty inexpensive compared to buying a large variety of weights for someone just starting out.

7. Jump Ropes
Jump ropes are another inexpensive piece of workout equipment that makes working out a breeze. They’re light weight and great for cardio. It’s a great replacement for a short run if the weather is working against you that day. #NoDaysOff! Utilize it at home, or even throw it in your bag to take along for an outdoor workout session.

 

If you’re interested in getting healthy and fit, join the 30 Day #FitMomFab Challenge here!

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