HOW TO MAKE A SAVINGS GOAL AND BE SUCCESSFUL

Saturday, May 19, 2018

budgeting can be really tough, but also really good. honestly, it can be made easier

personally, I don't have a budget per-say. instead, I have a SAVINGS GOAL for my year -- basically I set a goal for what I want to have by the end of the year, and slowly save to be able to have that amount in the bank when the year is over! here's why and how i do it:

WHY YOU SHOULD HAVE A SAVINGS GOAL:
    • its something to work for -- MOTIVATION PEOPLE
    • its good for if you are saving for a big thing, or even just want to have an emergency pile put away
    • bc we can all relate to this:
    • if you are able to work and put money away while you are younger it can make a huge difference for you later (such as being able to purchase a car, college, etc.) starting out debt-free, or without too much debt is the way to go if you can!
    • its also a super good habit to get into. if you are ABLE to save, do it

HOW TO MAKE A SAVINGS GOAL:
1) figure out how much you want to have in the bank by the end of the year (look at how much you make every month and figure out how much you really could put aside. challenge yourself, but be realistic)
2) divide that amount by 12 (this is how much you need to have saved monthly. write that down.)
3) divide that number 4.5 (for the average number of weeks in the year. this number will be how much you need to put aside weekly)
4) now you know how much you need to set aside weekly. so stick with it!

TIPS FOR BEING SUCCESSFUL:
    • I make a chart for how much I should have saved total each month I go along. so like in June I should have $--- and in July $--- total in the bank. that way you can know and see that you are progressing towards your goal!
    • if you put more money in the bank than you need to, DON'T LOOK AT THIS AS "BUFFER" ROOM, instead, ignore it and keep meeting that quota. it'll just add to the total at the end of the year!
    • don't take money out of your savings

    • -- instead, put that money away and ignore it. with the amount you have left (after putting your quota away) take whatever amount you want and put it in a separate savings pile for saving to buy a particular thing. it'll take a bit longer, yes, but at least that savings will still be there at the end of the year.

this works well for me bc its not super complex. I know how much I need to put aside at the end of the week, and can do whatever with the rest of the money I have left -- spend, or save more.

anyways, this is just how I do it. there are so many ways to budget and save -- you just have to figure out the one that works for you and be willing to meet the challenge! budgeting doesn't have to be super strict, and if you don't always make your goal its ok. just try and make it up the next time.


HOW DO YOU SAVE / BUDGET?
ANY TIPS TO SHARE??

ABOUT BEING BOLD AND WHAT IT MEANS TO ME

Saturday, May 12, 2018

one of my personal new years resolutions was "be brave. be bold." and, I didn't write it down just to be cool or whatever. no, I meant it

BUT WAIT. what does being bold even mean?

bold
bōld/
adjective
  1. 1.
    (of a person, action, or idea) showing an ability to take risks; confident and courageous.


being bold, and taking risks has always been hard for me. a couple years ago, I struggled to say something that might come off as different. even if it was the truth, it was still hard

I've retaken the personality test recently and I'm now half introverted and half extroverted. and I've realized, yeah. it HAS been easier to speak up when I feel something isn't right, say what I want to say (not blatatly hurting peoples feelings tho). and it's easier to speak my feelings..and..be bold. yes, its still a struggle. its hard to step out. sometimes I just want to crawl back into my shell and be like NOPE THX ANYWAYS and you know what? and thats a-okay

but it can't always be that way. Jesus calls us to stand for Him. now, that doesn't mean we have to go around everywhere shouting and shoving it in peoples faces...it can be an act, too. 


what being bold means to me:
    • laughing in public with your sisters and seeing who can find the ugliest piece of clothing and not caring what others think
    • asking someone if they were in line and if they'd want to go first
    • including people (at events, in your friend groups, etc.)
    • doing what you think you cant
    • listening to that prompting from Jesus
    • being willing to say you don't agree, and why, but saying it calmly and not shoving it at people
    • not always following the crowds
    • making random conversations and laughing with people you don't even know when they see you and your sisters having a blast
    • grinning back when people look at you with that "you are so weird" look
    • doing what you don't feel like doing
    • speaking up for someone
    • sitting next to someone you don't know
    • being confident in what you believe, knowing why you believe, so when asked you can speak clearly your believe
    • crying in front of people
    • saying "no" when you know you should, even if its abnormal
    • being the first to say "hi"
    • smiling first

being brave is going against your automatic response. so, BE BOLD, bc you don't always know the impact you are making

these are just some my own random thoughts and resolution..its something i'm working on. lets be brave bc He loves us. lets be bold, bc with Jesus, we have nothing to fear

p.s. i took these pics a couple week ago actually -- ITS MUCH GREENER NOW #happiness


SO HOW ARE YOU ALL??
IN A SENTENCE, WHAT DOES BEING BOLD MEAN TO YOU?

IM BACK [april overview / whats up with sare]

Saturday, May 5, 2018

HELLO HELLO HELLO HELLO HELLO HELLLLOOOOOOOOOOO - GUUUYYYSSS I'M BACK. SO much happened during my hiatus so here's a wrap up of sorts YOU READY?????

.......................

sis: what are berries that are blue called?
ju: ...blueberries
sis: oh, yeah! i forgot

sibling "these are buffalo wing chips. wait. buffalos have wings?"
other sibling "um no buffalos don't have wings"

I saw the student drivers ed car in my town and then later was following one on the freeway and was like "hahahha ha ha I don't have to do that anymore yuuusss" lololololol


me - "how is it already the tenth?"
ju - "it's not" *looks at watch* "oh wait it is wahhttt"

me right before nano starts -
me *does turn playing uno*
six yr old sis "pretty good my good friend. preettyy good. but not good enough!"
like ????????????

sibling "I have a cold but at least I can still breath out of my mouth" << truth + thank goodness lolol

*watching sis start to eat her pizza on the side* me "WHAT ARE YOU DOING"
so I'm fine accidentally touching a 400 degree oven rack, but I get burnt touching a baked potato? rly

six yr old sibling "I just love carrots! I should be a bunny"

weather be like: ICESTORM
store be like: WHO CARES - LETS EAT POPSICLES
six yr old sis after eating too much for dinner "ohhhh I feel sooo baaadddd" << i feel you kid

julia: wanna play chess? I'll crush you
me: *crushes her at chess*
julia: ok but I say that to everyone
made a mega hopscotch for my siblings that went to 100 *grins*

sis - *has my phone* "SARAH YOU GOT A TEXT it's from *spells out friends name*"

julia at store: *throws blocks of cheese at me* "CATCH"



not having a hard surface to write on so using julia's shoulder WHAT ARE SISTERS FOR ANYWAYS?????

"look at these! ... I have no idea what it is" - mom at store

me

sibling: *sees my journal* oooooh are you a journalist??

i spent 20+ minutes trying to find something and then found it in the first place i looked [x2]
me riding in car at night: "oh hey theres the moon. oh. wait. that's a light post nvm"

MY LIFE IS COMPLETE I MEAN LOOK AT THIS MIRACLE YO WHO KNEW IT WAS POSSIBLE: 
"a couple days ago..well, two months ago.." - ju telling a story

seriously lived the day thinking it was the 26th when it was really the 25th. LIKE I WROTE THE WRONG DATE OVER EVVEERRYTHINGG oops

this seven year old boy opened a door for me like "dddddaaaawwwwwwwwwwwww" <33 (honestly he looked like a mini newsie. how cute)

---

APRIL

    • drove on the freeway for the first time with my dad (and then a blizzard happened LOL) -- now i'm driving weekly on the freeway and actually love it haha
    • spent much time outside whenever it was warm. taking walks, making mega hopscotches, and hanging out in a hammock chatting on the phone with a friend (although I ended up pacing in the yard bc I was out of range for the phone. ha)
    • I went to a Chopped event at my library with some frens AND WE WON FIRST PLACE (!!!!!!!!)
    • an ice storm happened. and now its 80 degrees. like, okay then.
    • HAD THE FIRST CAMPFIRE OF THE SEASON (and grilling! yuuummm)
    • also went to the park for the first time this year. i drove there with the windows down and it was just like yuuuuussss
    • for some reason our well water went out (so we legit had no water. all. day) and then I helped my dad fix it later #girlofalltrades #thxyoutube
    • nano happened. I got a lot of work done, but still have a lot of major outlining to do. I was working on something on Scriveners free trial, closed my laptop and later opened it and BAM. it did a restart on me and I ended up losing some stuff. thankfully I had recently backed it up. this wasn't Scrivener's fault, it was just me using the free trial wrong somehow lol -- actually planning on buying it bc ITS SO WONDERFUL AND PLEASING TO MY PERFECTIONISM YUS
    • had a shopping day with my sis's #DANGER
    • and monday was the first day back at the CSA. planted: approx a couple thousand onions and collards and kale and WAHT IT WAS ACTUALLY "HOT" OUT???
    • ju, my bro's and i went over to my grandpa's and dug up his garden and prepped the whole thing for planting
    • started job shadowing (WOW what an amazing experience so far and the lady i'm shadowing is sooo nice)
    • i organized my whole closet and put away winter stuff YUS. WARMNESS IS HERE

I did a couple things that resulted in me stepping out of my comfort zone, learned a lot about character arcs, and got a ton of driving hours in ... among the other stuff I just listed, ha

wow, guys. may looks packed. SO. BUSY. but i'm hopefully ready xD

GUYYSSS TELL ME ABOUT YOUR APRIL!!
and DID YOU MISS ME?????

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