Can’t Keep Up? 3 Ways to Simplify your Financial Life

I wake up at 7AM most weekdays. I shower, eat cereal, and then hit the road. I work the 8 to 10 hours, because I need the cash and then return home. What I do after that depends on my priorities. I wonder if I should wrestle with the kids, help my wife with dinner, or maybe if I really want to waste some time I’ll write a blog post.

1. Contraction for clarity

Contraction isn’t only for labor and delivery, it also applies to personal finance. You can have anything you want as long as you make it a goal and then plan for success.  When I was a kid I wanted to be a ninja turtle, I wanted to own a caste, I wanted to marry Ariel from the little mermaid, she was one smokin’ hot red head. Well I soon realized that if I wanted to accomplish my goals I had to narrow my list to a few concrete goals, and be a little more realistic. Limit your list of goals to 3-5.  I was sad to find out I couldn’t become a turtle and toxic waste was more likely to kill me than give me turtle power. 

2. Time is on your side…

Unless you’re old, then you might need to make some more severe steps to obtain your goals. Don’t lose hope, just think of Susan Boyle:

Narrow Bridge Finance gives some sweet tips for those 40 year olds that are trying to come to grips with retirement:

   How to Start Retirement Savings in Your 40s

If you’re young, your investment can grow to a nice nest egg, and compounding interest is your golden goose.

Read more about compounding interest here via my friend BrokeMillennial 

   An Impassioned Plea for Understanding Compound Interest

No matter how old you are it’s important to get started today.

3. Just Do It

Just do it is a motto for life, not for crappy shoes (asics for life). Action is the real motivator, once you take a small step towards your goals it will feel so good, you’d swear the feeling is as good as a Cookies ‘n Cream Blizzard. Make a commitment to set up a savings account and put $5 into it. It will feel awesome! You can tell your friends “oh I opened a savings account for my daughter’s college today.” Don’t tell them there’s only $5 in it though. Setup automatic transfers into the account and you will feel so good that you got started and you won’t even feel it leaving the account. Just having it will motivate you to put a little more into it as you re-evaluate priorities in the future. I use Ameritrade because their fees are straight forward, they have a bunch of Commission Free ETFS, and they have 24 hour customer support. So if you can’t afford a therapist you have someone to talk to.

Bonus Tip: Don’t Sweat the Small Stuff, and it’s All Small Stuff

I know your goals might seem grand, and grand ideas can be scary. Just remember to not sweat it, you’ll spend less on deodorant and you’ll be more likely to stick with it. Perfection is a pathway toward failure, be okay with taking small steps and you will be surprised and the progress you make.
What's on your short list of goals?


Who was your crush as a kid?

Help from the Web

A Goal Without A Plan Is Just A Wish by Untemplater

A little motivation for your financial goals by DINKS Finance 

A New Month, a New Set of Priorities by The Financial Blogger

Also thanks for participating in the $25 giveaway.  I really appreciate all follows and tweets.

Lauren Bee was the winner.


That's hilarious about your crush on Ariel. My short list of goals changes depending on whether we are talking long term or short term. Long term, it is to get my MBA, have a summer home (or a big boat in lieu of), and to continue to make family a priority. In the short term, I have far too many!

06/13/2013 9:42am

That's a great, are you in college now?

06/13/2013 11:27am

I was boy crazy so I had a crush on everyone!

My short-term goals are to keep earning as high income as a freelancer and to help my husband jumpstart the new career he's starting next month.

06/13/2013 11:31am

I know my sisters were Jonathan Taylor Thomas fans.

06/13/2013 9:04pm

JTT defined the term stud muffin!

06/13/2013 9:09pm

Yeah - Susan Boyle was a sad act really. This year's BGT winners Attraction are really good though. I wouldn't be seen dead watching such stuff and I only caught the final as someone was watching it! Honest!

Anyway good tips there - don't have too many goals but go for them!

06/13/2013 11:08pm

I have lots of goals. One of the ones I am working on this year is to read 100 books in 2013.

06/14/2013 10:22am

That's really cool Josh. I love business and personal improvement books. I think I've probably read about 6 books this year. Not quite 100 but 1 a month is a good pace for me.

06/14/2013 1:01pm

My short-term goals are to spend more time with family and simplify my life. Congrats to you on setting up a college fund for your Daughter! Best investment you will ever make!

06/15/2013 12:12pm

I like the idea of narrowing. That's helpful for those that have tons of ideas (no names here :) ). Personally, I don't think you should give up on Arial, she was such a nice mermaid/girl.

06/15/2013 1:57pm

I get a little spread thin over all my ideas sometimes I need to let some go. Maybe I'll go down to disney world and see if she's single :)

06/17/2013 9:34am

My crushes as a kid were DeeDee from the show Hunter and the lady from Man and Machine. My short list of goals is to get my first two digital marketing and SEO clients for my firm and to become known in the blogging community in the PR niche.

06/17/2013 11:09am

Thanks for the comment Thomas. I think these first crushes stay in our minds for life :). I'm still trying out this blogging community things, it's fun so far. Keep making friends, keep working on your goals.

06/18/2013 1:16pm

I've got to tell you, no man can resist a mermaid. No shame in that! Next few years, I want to finish my PhD, grow a large blog following, and develop a business plan/website for my financial planning firm. Too many goals, not enough time...


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