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My 3 month emergency fund has hovered at or close to a little more than $1,000... for years.
Not exactly close to 3 months of expenses.
And my car fund has been growing and vanishing for at least 5 years. I’m still rattling around in a 2003 Mazda with 308k miles.
It’s frustrating to make such slow progress towards these money goals.
To feel like the closer you get, the further away they are.
But that’s not the full story
In the same period of time, I paid cash for my hubby’s entire education. We’ve been debt free since March 17, 2010.
Waves of unexpected expenses and life setbacks have derailed the budget at times, yet I’m still standing.
21 Days to Build a Habit, 90 Days to Change Your Life
Every time I was able to muster up the courage to lunge forward with my finances and to crush a money goal,
it was because I became so frustrated at being stuck in my finances.
Couldn’t take it any longer. Something had to change.
Like the time I took on a part time job to help me save more for school.
A few weeks ago, I joined Rachel Hollis’ #Last90Days challenge to build daily habits in the last 90 days of the year in order to change your life.
One of the new habits I’m in the process of creating is to be better organized with my business finances.
I’ve dialed in my personal finances, but I’ve struggled with setting up a workable system that I can stick to for my business.
The wheels started turning as I set aside 15 minutes each day to focus on improving my business finances.
What if WE did a #Last90DaysMoneyGoals challenge?
I’m guessing you might be feeling stuck in your finances, just as I am with my emergency fund and car fund.
What if we took the last 90 days of the year to put intense focus on one area of our individual finances.
- Something that will move the needle
- set up good habits
- so that we can change our finances
- reach our money goals
- and transform our lives?
Want to join? It’s not too late.
Click here to join the #Last90DaysMoneyGoals challenge.
#Last90DaysMoneyGoals
So how does the #Last90DaysMoneyGoals challenge work?
Pick one area to focus on like a magnifier on a blade of grass.
- Paying off debt
- Saving money
- Organizing expenses and sticking to a budget
- Increasing your income
(at the bottom of this post, I’ve collected different resources to help you on your #Last90DaysMoneyGoals challenge)
Related: Join the #Last90DaysMoneyGoals Challenge today!
Now, every single day for 15 minutes or more, you’ll focus on making progress towards that one money goal.
We all have 15 minutes hidden in wasted time spent on social media. Right?
Second thing, every day you’ll find 3 things you can be grateful about relating to your finances and write them down.
Maybe something was less than you expected. Or you had the money to pay a bill. Or you have all of your needs met…. The list can go on and on.
What I’ll do to help you
When you sign up here - I’ll send you a handy printable tracker page. So you can mark off the days you’ve done the challenge.
Both to keep you accountable and to motivate you as you see you’re making progress.
Once you’ve signed up on the link above. I’ll pop into your email every Monday like a ray of sunshine and share some encouragement to stick with it.
I’ll also hold your feet to the fire because I know you can do it. You can transform your finances in the next three months.
And every Tuesday 4pm PST, I’ll hop on a Facebook Live with my best cheerleading skills. Give you some words of wisdom and answer questions.
(head here to this FB post and it will show you how you can get notified every time I go live)
Build those financial muscles so you can crush your money goals. And the best time to start is right now.
Related: See more tips to pay off debt
Don’t you dare quit
Oh and one more thing, if you miss a day or two or three. Do not quit!
This is building a life changing habit and will transform your finances if you stick with it and persevere.
When it gets hard, ask yourself why?
How much do you want to break up the log jam of stuck finances? Are you willing to stick with it and do what it takes?
You’re making a promise to yourself and it’s high time you keep it. Don’t keep promises to everyone else and break them to yourself. No more!
Best resources to pay off debt
YASSS!! Your focus is getting rid of as much debt as you can before December 31st?? I am so proud of you.
Here are some resources to help you rock your debt payoff.
This is the book that changed everything in my financial journey! I learned how to handle money and pay off debt, plus I stopped being so scared of all things finance and became more confident. I've given this book away by the case load- I love it that much!
Best resources to save money
Sweet! You’re focusing on saving money! Let’s see how much you can save and these tools will help.
Tracking your progress towards your money dreams by coloring in hand-drawn pictures is an incredible way to boost your motivation and help you reach that goal even faster.
These printable pages are mapped out to easily color in a specific amount based on how much you save. And they can be used for paying off debt too!
Related: Find More Savings Tips Here
Best resources to organize expenses and stick to a budget
Awesome! I love that you want to organize your expenses and this will serve you in so many ways!
I created a simple and easy budget system for anyone who just wants someone to tell them step by step what to do on how to set up a budget that works every single month. In this online training, I walk you through setting up a successful budget- it's the same system I use to this day!
I have used a cash envelope wallet for years. It is so helpful to have my cash in categories so I know how much I have to spend and don't blow my budget.
This is the companion e-book to 7 Simple Steps to Make an Easy Monthly Budget and explains in detail how to live well on a budget after it's set up. There are sections on cutting expenses, paying off debt, building savings, irregular income, emotional self-care regarding finances and so much more. +
Overcome the fear of failure about money with this powerful online class. Learn 2 easy and powerful tricks to bring motivation and incredible progress in handling money.
Related: Find More Budgeting Tips Here
Best resources to increase your income
Way to go! Increasing your income is definitely a way to break up stuck finances. You’ll want to check out these tools.
This is a powerful book that has really helped changed my mindset about money and work. Your work is a means of serving others and money you receive is appreciation for a job well done. It's one of the best business books I have read.
Ebates is a great way to earn cash back rewards by when you do your normal online shopping. Who doesn't love cash back? You'll receive a quarterly payout and you'll get a $10 bonus when you sign up!
Ibotta is a great way to earn cash back rewards by simply scanning your receipts from grocery stores, restaurants, and other retail stores. Who doesn't love cash back? I use this extra money towards my current money dream. You can cash out the rewards when you reach $20 and you'll get a $10 bonus when you sign up!
Side Hustle to Success is an online course that teaches you how to start several different side hustles today! Bring in some extra cash to move forward on your money goals.
Work at Home 2018 Summit- free access
I spoke at this Work at Home Summit in February 2018 and it was awesome! You’ll learn from 48+ proven experts who all started from nothing — and built their dream from the ground up. Learn what REAL people do to earn REAL money working at home.
Related: Here's more ideas To bring in Income
I believe in you more than you know and the potential for you to transform your finances in the last 90 days.
Regardless of how many mistakes you’ve made or situations beyond your control that have set you back financially, it’s not the end of the story.
You can choose today to write a new chapter in your finances and that starts here with the #Last90DaysMoneyGoals challenge.
JOIN TODAY AND LET’S DO THIS TOGETHER!!
Your turn, tell me in the comments: What's your #Last90DaysMoneyGoals
Hi! I’m Charissa. I’m on a mission to help hardworking women overcome money struggles and gain financial peace with a Biblical perspective so they can have the freedom to impact their families and communities. Ready to make some changes that will impact your finances in 2020? Click here to get a free worksheet to help you make it happen!
