Visit Our New Store with Debt Free and Inspirational Items

Hey, guys! I’ve been quiet on the blog lately, but believe me, we are still working hard at becoming mortgage free. We currently have $27,945 left to go!

I wanted to pop in and share our new online store that we have in the works. I hope these items will encourage you along you debt free and financial journey.

I’m adding more merchandise little by little. It has been such fun to put this together.

Feel free to visit our online store here.

You Can Only Fix a Financial Problem by Fixing Yourself

When I first read this quote by Nancy Levin, I found myself nodding in agreement. I mean, how true is this?

Looking back, I spent a lot of years blaming our financial situation on the economy and other outside circumstances besides myself. Not that I thought our finances were in “bad shape” at the time. No, we were perfectly “normal” and were living life just like everyone else we knew.

For a long time, I didn’t realize there was anything inside of myself to fix. But oh, there was. I was comparing myself to others and I wanted to make sure my children had the same experiences as their friends. Nevermind the fact that we were in our twenties and had to use a credit card to fund all of these extras. Our net worth was non-existent. Our finances were a mess, and I didn’t even know it.

I needed to fix myself in a big way. I don’t want to give all of the credit to myself, though. I know God was behind the scenes leading me along.

I would like to share a few mindsets that needed to be “fixed” before our finances started looking up. If you are facing the same issues, a big hug to you!

  • The “I Deserve It” Mentality. Oh, boy. There have been so many times I purchased things I haven’t needed because I thought I deserved them. Ladies, I was robbing my future when I did this! That excess food and clothing was not worth the hit our bank account took.
  • The Victim Mentality. This mentality kind of goes hand in hand with the “I Deserve It” mentality. Life hasn’t always been kind to me. When it wasn’t kind, what did I feel like I needed to do? Shop. I thought shopping lessened the hard knocks in life. But all I was doing was avoiding the real problem and prolonging my pain.
  • The “I Can’t Do Anything Differently” Mentality. Oh my, I held on to this mentality for way too long. For years, I really didn’t think I could do anything differently. I looked around me, and we appeared to be in the norm. What could we do differently? The thought of changing my lifestyle was so unthinkable I told myself there was absolutely nothing I could do to change our financial trajectory.

How to Let Go of These Limiting Mindsets

I think the first thing that must be done to let go of these mindsets is to recognize them for what they are. Limiting. They limit our true potential and hold us back from living a life of financial freedom.

I personally had to stop worrying about what others thought of me. And the funny thing is, I highly doubt others thought about me nearly as much as I thought they did, ha!

I had to really think through the goals I had for my family. I had to think about the legacy I wanted to leave. Were my old financial habits going to leave a good legacy to my family? Absolutely not! I had to make a plan to change, and follow though even when it was hard.

I had to learn how to budget. I had to learn how to prioritize spending. I had to learn so much, y’all. I’m still definitely a work in progress but I’m so grateful for the progress I’ve made.

This Savvy Cents Wallet is a great budgeting tool!

Have you had to change your mindset while pursuing financial freedom? If so, please share. I’d love to hear from you!

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How to Win with Your Finances

This morning I was really encouraged by an Instagram post from Ramsey Solutions, and I wanted to share a few thoughts with you guys. The post read, “Success is not one big splash. You win with excellence in the ordinary. Do the right thing, the right way, everyday.”

Boy, isn’t this the truth? Personal finance, if done the right way, is rather boring. It consists of thousands of tiny right choices that build upon each other.

To get our finances in order we don’t need to be perfect, but consistent. I mess up sometimes. For example, over the weekend we attended a craft fair and I spent nearly $30 on Palmetto Moon hair bows for my little girls. Nearly $30! I walked in thinking my max spending budget would be around $10. At least I walked away from that adorable $40 birdhouse, ha!

While I am disappointed in my moment of emotional overspending, we are doing okay overall because we are making the right financial choices at least 95% of the time. It seems ordinary and boring. Buying hair bows or whatever else sits on the store shelves is much more fun and exciting…in the moment.

“Excellence in the ordinary” takes both a plan and a deep desire to see a financial turnaround to execute properly. I normally do not buy $30 worth of hair bows because I know little sacrifices now will help us reach our overarching goal of paying off our house and reaching financial independence in other ways.

I would love to encourage you to start taking small steps today. And then do it again tomorrow. And the next day. Before you know it, healthy financial habits have been created, and you will be winning with money!