
Okay, so the new year is here and you are ready to make some changes.  You are ready to lose weight, get fit, be healthy and all of the great things that come along with all of those things. The thing about all of these things though is that they seem easy to do if you can afford a gym membership, or one of those great eating programs, but those can easily cost you hundreds of dollars each month.  If you are like many of us, you either don’t have that kind of money to spend or, if you do, you simply don’t want to spend your money on this stuff.

Are you tired of living paycheck to paycheck? How about making this time to break the cycle? Are you ready to make 2018 the year that you get your act together? Â

With recent events that have hit close to home it has me thinking, are there things that I can do now in case of an emergency, specifically a house fire? I think all the time about our 72 hour kits and making sure we have all the essentials inside of them. But I haven’t put much thought into a house fire and what I can do to prepare myself and my family for one. So I’ve done some research and thought of some things you can do now in case a tragedy, like a house fire, hits your home.

Life is hard and stressful and busy and exhausting. No one is denying any of those things.  I know that all of those things help to keep you down and that is completely understandable, but did you know that you don’t have to let them hold you back?  You can push past all of the negative and choose to stay positive.  Plus, choosing to stay positive will help you in the long run!  It will help with your health, your financial life and just about every other aspect of life.  Are you ready to make the change from negative to positive?  Great!  Here’s how to do it!

Do you find yourself setting a New Year’s Resolution each and every year?  How do you do on them?  Do you follow through and find success?  Or do you bail on them within the first couple of weeks?  To each their own of course, but I have found it better to not set resolutions at all.

If you have been getting started on budgeting, you have probably heard the term sinking fund. Â But what exactly is a sinking fund and do you need to have them? Â Well, I will go into that a little bit here and basically, yes you should have them. Â

Are you planning to set a resolution for 2018? Â What is it going to be? If you are like many of us, you are going to strive to save in the new year! Â So how about we get started now on making it happen! Â Here are 5 ways to start the new year as a saver instead of a spender.

Are you planning to have a New Year’s Eve Party this year?  It’s coming soon, you know.  If you are planning to have a party, you need to get started on your party preparation ASAP.  Party planning can get expensive though so you either need to be prepared to spend some money, or you need to plan to save money.  Which is your choice?  If you said save money, check out these 5 savings tips for your New Year’s Party:

Saving money is tricky.  The general thought is that in order to save money, you need to cut back on the amount of money you spend.  You know what though?  That isn’t always true.  Sometimes in order to save money you need to spend more money.  What?!  How can that be?  I know, I know.  I hear you asking.  It’s true though, there are some occasions where you should always spend more money in order to be more frugal.