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Our financial expert explains how to create a vision now that’ll help you achieve your financial goals in the future.

It’s almost the end of 2016, can you believe it? I don’t know about you, but I am so excited. Whether 2016 has been good, bad, overwhelming, or trying, it is all right to celebrate because you made it this far and you made it through.

Every day is a GREAT day to work on being the best version of you, financially. Often times, as it is human nature, we create doubt in ourselves by over-emphasizing our bad habits or constantly comparing our lack of achievements to our peers on Facebook. BUT…your financial journey is YOURS and it should be tackled on your own terms.

As I emphasis in my brand new eBook, Vision. Future. Reality: How to Budget Like a Boss, you are your only competition and your financial goals belong to you. It is important to remember that your own personal goals, habits, and concerns should be your guide for reaching your financial greatness, not Facebook, news stories, or other’s success.

I don’t know what your big financial goals may be, it may to be debt free, it may be to pay down your student loans, it may be saving for a down payment on a home, and it may be to reduce your shopping habit by half. Whatever your goals are, I am here to tell you, you can achieve it with a well-thought out plan.

By now, you have been adulting long enough to know New Year’s Resolutions do NOT work. We give up and revert back to whatever habit we were trying to break initially. I share with you this quote, “If you don’t have a goal, something you want to accomplish, something you want to do, you could really get lost in the darkness of the journey. THERE HAS TO BE A VISION.” You have to visualize living in your new goal, whether it is being debt free, owning a home, or mastering your boss budget. Whatever you want your life to look like once that goal is accomplished, that is the life you need to visualize daily.

This vision will push you towards your goal. Moreover, everything you need to accomplish your goals is within you already; you just have to activate your goals with a vision. You have the power to live your life out loud, to the fullest. There isn’t a need to wait until the beginning of the year to start because every new day can be a fresh start, financially.

I’ll be your accountability partner and challenge you to see it through to the end. I believe Vision + Accountability + Solid Plan = Success! Let’s do it together, because we all have goals that we want to make happen.

Let’s increase our minds, increase our bank accounts, and increase our lives. Say this aloud: I am going to be better me today because my greatness depends on it.

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Our financial guru explains how three different acts of gratitude can have a positive impact on your personal finances.

The Thanksgiving holiday is a time where we spend time with friends and family and reflect on the many things we are grateful for within our lives. A good healthy dose of gratitude can impact your personal finances in a positive way. Being more grateful can increase your happy endorphins and decrease your need to spend money.

Here are three ways being more grateful will positively impact your budget:

1. Less likely to shop for things we do not need.

When we do an inventory of the all things we are grateful for, we will begin to realize all the great things we already have. We will see that we don’t need to go shopping for one more striped shirt or pair of heels.

2. Less likely to do impulsive shopping.

Impulsive shopping is based on our emotions, both good and bad. One of the best pieces of advice I ever received was to never go to the grocery store on an empty stomach, and to never go to the mall when you are sad. Reflecting on your gratitude balances you out. You find peace and are able to make better decisions; therefore, you won’t buy something you may regret in the future.

3. More likely to give.

When we are thankful, we tend to think outside of ourselves. We want to bless others so that they feel the same way we do. Giving does not have to be monetary; it could simply be your time. If you are really good at a particular skill, you could volunteer your services to an organization in need.

While scrolling through my timeline on Instagram, I found a quote, ‘Gratitude is Medicine”. I believe this is true. Whatever is stressing you, whether it’s your job, your family situation, or your personal finances, remember it could be worse. For instance, if you have a large sum of debt, you may be thinking there no way out of it, but be grateful for the small things, as it will bring order to the chaos. You may not be where you want to be financially; however, I know there is a light at the end of the tunnel. There is hope for your growth.

I also found this really cool quote about gratitude from Marelisa Fabrega, “Gratitude means thankfulness, counting your blessings, noticing simple pleasures, and acknowledging everything that you receive. It means learning to live your life as if everything were a miracle, and being aware on a continuous basis of how much you’ve been given.”

Very powerful quote about life and blessings to reflect on today. There are so many things that go wrong, but there are so many more things that go right, too. Be more grateful, create more memories.

Happy Thanksgiving!