Swing into your perfect financial state.

I received an email this morning that said: Welcome to Amazon Prime.  But I haven’t signed up with Amazon Prime or renewed my subscription since the summer time when we cancelled it.  “Well maybe it is an advertisement,” I thought.

Then I go into my credit card activity, and there it is:  Amazon Prime $11 charge.  It’s a small amount that is easily missed, but how rude.  I went into Amazon and cancelled it and a refund is coming, but check yo statements.  I know it sucks to do this, especially so close after the holidays when it’s much easier to just let them go, and not view the activity and pay the minimum, but don’t.

Check them, and see if there are any renewals that you have not signed up for and/or approved. Usually these companies are so good about refunds, but it’s a bit of effort on our part to cut our ties with them, and ask for the money back.  But get it done.

A lot of us have a lot of financial goals, especially on January 1st.  364 more days to get it right financially and why not!  Life is short, and the better we live, the more enjoyable it is.  The less money stress, the more happiness.  At least in my book.  I love peace.

So what are your goals?  What do you want to financially accomplish this year?

For us, 2017 was interesting because we made a big move.  We sold a home, purchased a new one, moved 911 miles south and had to re-start a lot of life again.  But it was worth it, and I would have done it over and over again – because the rewards have been so great.

With this though, came a lot of financially output.  New things for the home, new toys for the kids, settling into a neighborhood and community, and new schools.

For 2018, the goal is simple:  Before purchase, take a step back and decide if we really need it.  Do we need it?  Will we need it?  Do we want it?  Do we already have it?  Will we use it more than one time?  Will we just it every day?  Can we do without it?

The other day, my husband and I were having a mini workout on our driveway and I downloaded one of those circuit apps, and as soon as it was over, the next one I had to purchase.  It was $6.99 and forever I was going to have a timer to work out to.  And I was just about to buy it, when I thought:  We can live without this.  Even though it would be great to have, I don’t need it.  I won’t use it as often as I think right now, and there is no need to spend this money (even though it seems like an insignificant amount).  So I didn’t.  I deleted the app and went on with my workout and day and my $6.99 safely tucked in my checking account.

The ability to purchase anything and everything at anytime of the day is pretty incredible.  With auto-ships and subscriptions and online accounts and saved credit cards – we can seriously output money 24 hours a day.   But at the end for the month we are still solely responsible for these purchases.  And it’s better to plug the holes, and get on the right track towards our goals.

For 2018, this madness will end.  It has actually already ended.  Day 1 going well 🙂 🙂 🙂  One’s personal madness is another’s person frugal life – so figure out what your goals, for yourself.  They may be different, and more or less steep, but set them.  Discipline makes a human feel good, and just the right amount meets our goals, and sets us up for more success because of the confidence we establish.

After review, I realized that it was fun to let loose a bit and get this and that.  But for 2018 it’s time to pull back a bit, and have more fun, with what we already have and own.

I have always believed, and will continue to believe that EVERYTHING WE NEED, WE ALREADY HAVE.

Cheers to all that will be using that this to make 2018 financially stronger, than ever.

Swing into your perfect financial state.




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