I’ve got good news for you.
2015 is over. Done. Kaput.
Was it a great year for your family? Yahoo! Flip through those photos and reminisce with joy.
Was it a terrible, no good, very bad year? Shrug off the bad and rejoice in the knowledge that you’ll never have to face 2015 again.
It’s customary at the beginning of a new year to set new goals for the proceeding 365 days.
If you’re like me, you’ve jumped on the un-goals bandwagon. “Nope, not gonna make another goal that’ll just be broken”, we proudly exclaim. We’re thoroughly dissatisfied with our failures in that department and have sworn off formal goals for good.
…except that we still have things we want to do this year. Not goals, mind you. Those are so passe 😉 These are simply desires that need a little mental organization and a few action steps to come to fruition.
If you’re like me (and I think we do have a lot in common), one of your desires is to save more money. I’m right there with you!
Here are some ways that we’ll be saving money this year, and tried-and-true ideas for your own financial journey:
#1. Listen to the thrifty generation.
Contrary to what you might have heard or believed, this current generation is not the smartest group of people to ever walk planet earth 😉 Pick up the phone and give grandma a call (or borrow someone else’s elder for your dose of wisdom). No doubt she’s got a lot of smart things to say– mine does.
#2. Try the cash envelope system.
I highly recommend that every family give the cash system a try. Even though I totally sucked at it.
#3. Take a look at your utilities bills.
#4. Cut healthcare expenses.
Try some of these ways to reduce the costs of healthcare. You might be surprised what a few small changes can save you!
#5. Find your golden-egg layer.
Explore passive income opportunities. What do you love to do? Can that be turned into a source of passive income?
#6. Get rid of all debts. Even the “normal” ones.
Is your mortgage the only debt in your house? Don’t be complacent; kick that loan to the curb. Can you imagine what life would be like without that huge payment each month? Dare to dream about the possibility.
#7. Check your habits.
Compare your habits to these 3 common ways that families waste money. Have you avoided these traps?
#8. Discover great resources from like-minded folk.
#9. Sell your junk.
Organize your home room-by-room and sell unwanted books, games, and movies. It’s simple and easy.
#10. Get creative about finding free entertainment.
Here’s how our family stays flush with free books all year long. Plus, no dragging the whole clan around in the car.
Here’s to a joyful & prosperous 2016 as we all strive to manage money wisely, pay off debt, and live well!
Are you making any financial un-goals for the year? What are your favorite ways to save money?