Money Management

How to Prevent Over Spending

How to Prevent Over Spending

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Having a budget is great. You are telling your money where you want it to go and you’re being mindful of your spending. But, how do you stop yourself from over spending?

If you’re like I was, I would make my budget at the beginning of the month. I had some great intentions for my spending that month. My student loans stood no chance with how well my budget was made.

But, then it sat in my Drive for the month until the end when I zeroed out my budget. I was fortunate that I made a lot more than I spent because I lived at my parent’s house and worked a lot of side jobs.

I’d reconcile my budget at the end of the month and whatever was leftover I sent to my student loans. Extra payments were being made, so who cares if I overspend in my eating out budget?

The problem is that this creates a terrible habit of spending whatever I want, as long as it’s within reason. I had the privilege of having extra money, but what happens when I don’t have this? I overspend and don’t have the income for it, that’s what.

Also, it slows down your progress towards any financial goals that you do have. I’m not saying you shouldn’t spend any money, but you shouldn’t spend money just to spend it. Make your money bring value and joy to your life, not just to spend for no reason.

So, here’s what I do to make sure I don’t over spend every month.

1. I make sure I have a realistic budget.

There is nothing more defeating than constantly over spending month after month. So, do yourself a favor and create a realistic budget that actually reflects your spending.

What’s the point in making a budget, if you’re making one that doesn’t reflect where you are in your money journey? I’d love to delete my student loan payment from my budget, but that’s just not possible. So, you shouldn’t do that with your other categories either.

Don’t make your budget based on where you want to be, but where you currently are. So, make your budget realistic from the start to set yourself up for success.

2. Check in with your budget daily or weekly.

In order to prevent over spending, you need to make sure you check in with your budget regularly. That’s why your budget should have an “actual” category. This is where you note your actual spending for the month. Without this spot, your budget is useless.

When you reconcile your budget, make sure to take some time to reflect on your spending so far in the month. This is especially important midway through the month.

In my budget, I personally use Google Sheets because I can set up all the formulas to do the math for me and change colors based on where I’m at. Green means I still have money leftover, red means I overspent. You can get your own copy here.

If you’re in the red already and still have month leftover, you need to figure out why you overspent and how to make up the funds. If you’re in the green, that’s good and you need to see how much more you have in comparison to how much month is left.

This is the key to not overspending. Check in with yourself throughout the month and if you’re getting close to overspending, stop future spending, if possible.

3. At the end of the month, check in with your budget and make changes.

When the month is over, it’s time to zero out your budget and reflect on your month’s spending. If you did over spend in a certain category, where did you spend the money? Was it a special month that you forgot to budget for? Or, is this typical spending for the month and you should increase the category?

Certain categories I wouldn’t increase, even if you did overspend. You need to decide what is important to you and why you overspent in that particular category. If you underspent in eating out, but overspent in groceries, that makes sense! To me, this is still a win because chances are your overall spending is lower in this situation.

You could also find ways to streamline your budget categories. If we consider the above example, they directly affect the other. When we spend less at restaurants, we typically spend more at the grocery store. So, maybe just have a single food category to cover both.

This allows some flexibility in your budget month to month. It also gives you the freedom to spend your money in that category however you want.

You need to find the right balance.

Budgeting takes times. It’s not something you will master over night. Even after years of budgeting, I still have months where I overspend. It happens and we can’t dwell on it.

But, we should reflect on it and consider why we overspent. For example, this month I spent more in my food category. I know it’s because I went to a lot of unexpected happy hours and lunches with my coworkers before I left my old school.

Realistically, I should have planned for this going into the month since I knew it was my last month at the school. Lesson learned and I’m now moving on from it.

Overspending will happen, just make sure you have a plan to prevent it and a plan for when it does happen. How do you prevent over spending? 


Money Management

How to Manage Your Sinking Funds

How to Manage Your Sinking Funds

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I absolutely love sinking funds. They are a total game changer to any budget. If you don’t know what a sinking fund is, you can check out my post here.

They can be tricky to manage at times and getting into the swing of them definitely is difficult. Sinking funds budget in a totally different way. The great part about them is that you can use them in whatever way you want.

I personally try to keep only a few. Having too many gets complicated and I’m all about that minimalist life right now. I combined a ton of my sinking funds into very broad categories. Managing them is easier this way.

I personally have 3 sinking funds currently, you could argue I have 4. I have a car, moving out, and summer sinking fund. Also, I contribute monthly to my emergency fund because that is used for any medical expenses that come up unexpectedly.

Most of my sinking funds are fully funded currently. My moving out and summer sinking fund will be gone shortly. That means I will only have my car sinking fund and my emergency fund. This is what works for me.

Over the years, I have created a system to manage my sinking funds. I try to keep it pretty low maintenance because I don’t want my sinking funds to take up a ton of my time. They are super important though and have helped me out so many times.

1. List out your sinking funds.

The first thing you need to do is list out your sinking funds. If you don’t have any sinking funds, think about the recurring expenses you have that are hard to plan for, or that you want to be prepared for when they come up.

Once you have them listed, think of realistic amounts for each of them. Most sinking funds won’t be contributed to forever, unless it’s for yearly expenses you have.

For example, I felt comfortable having $1,000 in my moving out sinking fund. Once that sinking fund was full, I stopped contributing to it.

My summer sinking fund is slightly different. That is contributed to monthly to supplement my income in the summer when I don’t get my teaching salary. For the last 4 years that has been contributed to for 10 months of the year. My new school is on a 12 month pay schedule, so this sinking fund won’t be needed.

2. See if you can combine any sinking funds.

When I first started, I had so many sinking funds. It was a mess honestly. I spent so much time managing it all and trying to figure out what went where and which sinking fund to pull from. It was just way too much.

That’s when I moved to a more simple approach. Anything that has to do with my car, comes from the car sinking fund. I stopped marking for specifics because it took way too much of my time.

This was also when I put my medical sinking fund into my emergency fund. About 2 years ago I started having reactions to antibiotics. This caused my doctor to make me go through a ton of allergy tests about a year ago to find a safe antibiotic for me to take.

Out of nowhere, I had a ton of medical expenses. Nothing major, but my medical fund was wiped clean from all the copays and medications (I am so grateful I have quality health insurance!). This made me dip into my emergency fund.

This experience made me realize that most of my medical expenses are emergencies because I don’t know they are coming. So, I beefed up my emergency fund and left it at that.

3. Create a system to manage your sinking funds.

Most of my sinking funds are pretty permanent. Or, they were at the time I started them. For this reason, I created new accounts for them in Ally. I love my Ally accounts and have had amazing customer service with them.

This allows me to manage them very easily. I set a limit that I am comfortable with for each category and contribute to them until that limit is reached. For my emergency fund, I always contribute $100 to it because I haven’t hit 1 month of expenses yet, now that I have moved.

Once I hit 1 month of expenses, I will add a buffer of $500 for medical expenses and that will be my sinking fund. For me, I feel comfortable having this system in place. It covers most of my recurring expenses and it is easily managed.

If you have a lot of sinking funds in one account, I suggest you have a spreadsheet or some other way to manage how much is in each of your sinking funds. Personally, I wouldn’t have sinking funds at home. One, it isn’t secure this way and two, it’s not doing any work for you sitting at home.

By having my sinking funds in Ally, it is earning me some interest. If I’m having money just sitting around, I want it to be at least earning some interest.

Figure out a system that is easy to manage and works for you.

Every person’s financial situation is different. What works for me, probably won’t work for you. That’s why you need to take the time to figure out a system that does work for you.

Sinking funds are a wonderful thing that allows you to prepare for a lot of situations. That’s why it’s so important to figure them out. If you need help with this, this is part of my monthly 1:1 coaching I offer.

Getting your budget right will help you finally start reaching those big money goals you’ve always dreamed of reaching. How do you use sinking funds?

Making Money

How to Create More Income Streams

How to Create More Income Streams

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When you’re budgeting, it gets to the point where you just can’t cut anymore expenses. Well, you could, but it may compromise something important to you. This is where multiple income streams comes in.

That’s why I love earning more money. You can always earn more, but you can’t always cut out expenses. I personally had 5 income streams I regularly relied on the last 4 years. The more streams the better!

It also is good practice to not rely on only one source of income. This is a risky game to play. Even if you think your job is a reliable source of income, you just never know. Things change so fast in our society, including your job.

By having more sources of income it allows you to be flexible in where your income comes from. If one source of income is lost, you can move your efforts to other sources.

There also is a never ending amount of money that can be earned by having multiple sources of income. This is especially true if you create more passive income streams. Passive income streams allow you to do the heavy work in the beginning and then continue to make money with little to no work.

Here are some of the things I have learned to create my many income streams.

1. Use your skillset to immediately add more income streams.

The first way to make more money is to utilize the skills you already have. This is a quick way to make money because there is no learning involved before you make money.

For example, as a teacher, I immediately started tutoring and babysitting. This allowed me to use the skills I already had to add more income streams. I was able to get these income streams up and running as fast as I found clients.

Try to think about the skills you have right now and how to turn them into additional income for you. The great part about the Internet is that there are tons of people looking for freelancers to complete small projects. If you have a skill that is one for hire, get yourself out there and find some quick jobs!

2. Be aware of your full time job and your schedule.

The great part about additional income streams is the extra money you have coming in obviously. The bad part is that they sometimes take a lot of time to do. When adding additional income streams, you need to be mindful of what you can realistically do.

If your additional income stream is going to impact your full time job, I would say it’s a bad idea. Make sure that you have time and energy for everything.

To figure this out, I would suggest slowly adding income streams. This will allow you to see if you can handle the additional work in the beginning. If it gets to be too much, scale back, or find a different way to make more money.

Some income streams are more taxing on us, figure out what works for you.

3. Be organized.

When you have multiple income streams, you need to be organized. There is no way to do this if you’re all over the place. I personally love creating systems and procedures to do things. This is used in my work, but also my tasks I need to complete for myself.

For example, I keep my schedule in Google Calendar so it is always with me on my phone. This allows me to easily schedule jobs as soon as they come in. By having my calendar on me at all times, it ensures I don’t double book myself or miss jobs by forgetting to add it to my calendar.

Also, I keep a spreadsheet for all of my income streams. This allows me to track my income easily. It also makes it very easy to figure out taxes for my side hustles. I automatically pull my taxes and update my spreadsheet when my payments clear my account.

4. Create passive income streams.

This is something that I am currently working on more. Passive income streams does not mean no work. It usually means that you do the work up front and then continue to earn money from it.

This can be done in so many ways, but is a great source of income. Especially when you have multiple passive income streams. This is usually when a product is created and then people continue to buy the product. It takes work and time to create, but then continues to earn you money.

I’m currently working on this type of income and building more of it.

There are so many ways to make more money, it’s just a matter of figuring out what is right for you.

There are so many different ways to make more money. Whether you decide to work for another company, create your own side business, or create products, there are plenty of ways to make more money. Figure out what you want to do and start making money doing it.

The great part about additional income streams is that you can monetize your hobbies. This is something that I love doing. If you can find a way to monetize the things you love to do, you’re set!

Personally for me, I love teaching and personal finance. What I especially love is teaching personal finance and helping others with their finances. It’s a work in progress for me, but I’m committed to doing the work by creating many different income streams. What are your income streams and how did they start?

Money Management

How I Budget Every Month

How I Budget Every Month

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When you are first budgeting, it can be a process to figure out. After awhile, it becomes second nature though. The most important thing is to find a system that works for you. Once you’ve found the system that works, the key is streamlining it.

I would suggest trying different ways to budget until one feels natural to you. I love hearing how others budget and manage their money. It always gives me a new perspective and things to consider when I manage my money.

Sometimes I get stuck in my ways with budgeting. It’s good to periodically look over your budget to see where improvements can be made.

This is the process I do to manage my money every month. I use a template I created on Google Sheets, you can get a copy of the template here.

1. Before the month starts, I copy my budget from the previous month and make adjustments.

The great thing about using Google sheets is that you can simply copy the tab from the previous month. This makes it much easier to create my budget every month. The first thing I always do before the month is make a new tab for the upcoming month.

Once I have the new tab for the new month I can start making adjustments based on the previous month. I’ll look over my variable categories and see which I can lower or need to increase. Also, I’ll add any expenses I’ll have for that new month.

2. Throughout the month, I check in every Sunday.

I have been budgeting since 2014. When I first started, I checked in every day with my budget. This kept me accountable to my goals and made sure I was staying within my budget.

Now that I have created better habits and am naturally more frugal, I only check in once a week. During that time, I update my actual spending for the week in my different categories. Any of my bills that were paid, I add them as well.

By checking in with my budget, it allows me to see where I’m at in my budget and how much more I have left until the end of the month.

I do use credit cards that I pay off every month. This allows me to quickly update my transactions every Sunday. If you use cash, you can easily track your spending with your receipts.

Since I do a few side hustles, I will also add the additional income I make each week as it comes in. This allows me to see where I’m at with my additional income. It holds me accountable to reaching my goals and allows me to see if I need to work more to reach my goals.

This also makes it easier to work more. Sometimes it’s hard to work so much, but when I see how much closer I am getting to my goals, it’s easier. For example, I can calculate how many more VIPKID classes I need to teach that month and it might encourage me to stay up a little later or get up a little earlier.

3. At the end of the month, I zero out my budget.

I follow a zero based budget, so every single dollar has a job by the end of the month. At the end of each month, I add up all of my income and all of my expenses.

My salary is the same every month, this is the number that I budget with at the start of the month. Throughout the month, I add my side hustle income to my budget.

This means at the end of the month I have leftover money, assuming I didn’t need to cash flow any unexpected expenses. The leftover money goes to my debt.

Find your system and make it work for you.

This system took me a while to figure out. It’s what works for me, maybe it will work for you. Or, maybe part of it will work for you. Take the time to figure out what works for you and get your money to work for you.

Budgeting your money is just that, telling your money what to do. It’s not about restricting yourself, it’s about making your money go where you tell it to go. So, figure it out as soon as possible and stop letting your money slip away from you. How do you budget?

Money Management

What I Do When I Don’t Reach My Goals

What I Do When I Don't Reach My Goals

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Last month I didn’t reach the goal that I set for myself. Going into the month, it was a bit of a stretch. But, I really wanted to cross that off. I love setting big goals and seeing how far I can go.

My goal was to get under $70k in student loan debt. It didn’t happen. And I missed it by about $150. Of course I was disappointed in myself, but it happens.

I’d never reach any goals if I let it get me down. There have been so many times that I could have given up. I know there will be so many more as well. It happens and we need to know how to deal with them.

This is what I did last month when I didn’t reach my goal.

1. Got upset.

At first, I definitely was upset and I let myself be for a bit. When you’ve been on this journey it’s inevitable to get down on yourself every now and then. Personally, I love challenging myself and seeing how far I can push myself.

I knew my goal was going to be a stretch for me, but I wanted to do it anyway. That’s the thing about goals, they gotta be a little scary to make real progress. It killed me that I was short by $150.

Immediately I started thinking about all the “if only” things in my budget. If only I worked a little more in my side hustles, if only I didn’t use my eating out budget this month, if only I didn’t budget my hair appointment this month.

I let myself take sometime to be upset that I didn’t reach my goal. But, I didn’t let myself stay there.

2. I reflected on the last month.

Once I actually looked at my budget, the reality was that I just didn’t make enough in my side hustles. I got paid from my April after school program hours. April was spring break for my school, which meant I worked a lot less than normal.

May was also weird for my babysitting and tutoring. I love babysitting and tutoring, but the reality is that you work for your client. If they don’t need me one week, I don’t get paid that week. This unfortunately happened a lot more than I expected.

And being totally honest, I was anticipating my retro payment on May 15th. In my current district, we haven’t received a raise since 2016 and were told that we’d be getting retro pay from the last two years. Things happened and it still hasn’t been processed.

This was disappointing for me, because I wanted to make a massive debt payment. But, this is why you should never anticipate money, wait until it is actually in your account. Even though I know I can make that payment whenever the money hits my account, I was excited to do it last month.

3. Make a plan to continue towards your goals.

I know I’m going to get under $70k next month. Just my minimum payments will get me there. So, I’m excited for that. It will be especially nice since this summer is going to be so up in the air for me. And I still hit a huge milestone of paying off $130k, so I can’t dwell on the bad too long.

I am moving out and switching jobs in June. It’s going to be a little crazy for sure. But, I have planned for this and I am confident that I will be fine throughout this summer.

I honestly don’t have any plans in my budget to make extra debt payments in June, July or August. My plan is to try my best to only use incoming money throughout the summer. If I need my summer sinking fund, I will obviously use it.

Once September rolls around and I get my first paycheck from my new job, I will empty my summer sinking fund and my moving out fund to make a debt payment. My current school doesn’t offer 12 month pay, only 10 month pay. So, I would rather have more money stashed away throughout the summer, than make extra debt payments.

You have to keep moving forward  to reach your goals.

The important thing to remember is to just keep moving forward. Whenever you make big goals, you’re risking the chance of failing. But, if you let that failure hold you back, you’re never going to improve.

Failing is a part of life and it helps us learn. I learned the hard lesson of not tracking my side hustle income more closely and anticipating funds before they come in. If I had tracked my income better this month, I would have seen that I was short in this area.

Take failure as an opportunity to grow and learn. Don’t spend much time sulking about not reaching the goal, keep pushing forward with a different outlook about it. I have outlined my plan that I use in my financial life in my ebook, it will help you get started on your own path. How have you navigated not reaching a goal?


Debt Free Update: $130,947 Paid Off!

Debt Free Update_ $130, 947 Paid Off!

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Whenever I hit a milestone like this, I like to reflect on my journey. It’s not easy paying off $201k in student loans, especially on a teacher’s salary. But, I have paid off $130k in 3 and a half years. So, it obviously can be done.

I still have $70k left to pay off, but this feels like nothing when thinking about where I was. I panicked when I hit my financial breaking point and received my first bill in the mail for my private loans. While in grad school, my minimum payment was $1,400, not including my federal loans or grad school.

Of course, I got things squared away so I didn’t need to pay that at that moment. Since I was in school full time, I could defer my loans. But, I knew this would be my reality on graduation day.

I’ve completed changed my priorities over the years. Some of them were definitely sacrifices solely for paying off my debt. Like moving back home to my parent’s house. At first, I moved home because I had no other choice. After my student loan minimum payment was paid, I’d only have about $1,000 leftover every month.

This was with me earning a New Jersey teacher’s salary, which is typically higher. But, that is because cost of living is so high. I would never be able to afford to live on $1,000 in NJ and move out.

After paying off some of my debt, I have stayed to pay off even more. As my income grew from teaching and my side jobs, I continued to throw more and more at my debt. I have now lived at home for almost 4 years and I’m getting ready to move out in 2 weeks!

This will obviously slow down my progress a bit, but I am now ahead of my goal by about a year. I am confident that I will still be able to get my loans paid off by my 30th birthday in 2022.

Here’s an update of where I’m at in my journey.

Private Loans

I am destroying these things with everything I have. I want these things out of my life so bad. Generally, I don’t hate them as much since I refinanced with Earnest, use my referral link to get $200 when you refinance! Earnest is a thousand times better than my previous provider.

But, since private loans are near impossible to get rid of, I want them gone ASAP. This month I was able to get them down to $17,500. I still can’t believe that when I refinanced, they were at $46k, just in September. The lower interest rate that I got has been allowing me to put so much more towards my principle.

When I first started my journey, these were about $142k, with very high interest rates. I was making very little traction because of it. That’s what motivated me to refinance and I’m so happy that I did.

These will continue to be my focus account until they are gone. I originally wanted these gone by the end of the year. Now that I am moving out and have a new job for next school year, I just don’t know if that’s possible.

Federal Loans

My federal loans minimum payment increased this month by about $50. I am currently on an income based repayment plan to lower my minimum payment while I pay off my private loans. This means that every year I need to re-apply and I get a new payment based on my taxes from the previous year.

No matter what my payment is, I always pay off the interest every month. This is because I don’t want the interest to capitalize into the principle. When this happens, my loan principle grows, which means I’ll pay even more to interest. You can read more about this in my post all about making blind student loan payments.

Having my minimum payment is actually great for me. Now, my minimum payment covers the interest the accrues each month. I no longer need to make an extra payment to pay off the interest.

I will continue to do this until my private loans are paid off, then I will use the avalanche method to pay off each of my federal loans.

Debt Free Plan

My plan is a bit up in the air at the moment. There are so many changes coming in the next few months. I’m super excited for all of them and I have created a mock budget, but I won’t know definitely how it will change my journey until it gets here.

In the next two weeks, I will be moving out of my parent’s house and into my boyfriend’s house. This will obviously increase my expenses. Also, the school year is ending at my current school and I will be the reading specialist at a new school for next school year.

All of these changes impact my budget and my debt payoff. I know my debt payments will be decreasing, especially because I am going from 10 month pay to 12 month pay. This I am very excited about because I will no longer need a summer sinking fund and that money will be able to go to debt.

But, it is definitely an adjustment getting paid less each month. I’m excited to see what happens with my debt free journey and plan to track it closely in undebt.it to make sure I still pay off my debt by my 30th birthday.

Money Management

How to Balance Multiple Financial Goals at Once

How to Balance Multiple Financial Goals at Once

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When you are first starting to tackle your finances, it can be overwhelming. There are a lot of moving parts. And you need to find a way to manage them all. The good news is that there is an easier way of doing all of this.

You need to find a way to slow down and not get ahead of yourself. This was very hard for me. When I want something, I want it yesterday. This has been especially challenging throughout my debt payoff.

I couldn’t just get rid of my debt and there was no quick fix to $201k in student loans. No matter what, I’d be on this journey for awhile.

That’s where managing it all comes into play. It’s still not easy, but you can learn from my mistakes and tackle this a much better way.

1. Find what you truly value and start tracking your expenses.

As hard as it might be, it’s important to take things slow. Don’t dive in and put yourself on a budget. I tried doing that and guess what, I failed. Set yourself up to more likely be successful by tracking your expenses first.

This allows you to truly see where your money is going. You should never create a budget just by randomly thinking of how much you want to spend. Your budget needs to be realistic.

Another benefit of doing this is that you see your spending habits. I know I got so angry when I saw how much money I was spending eating out and on coffees. Of course, these two categories aren’t going to make me rich, but it was a decent amount going to these two categories each month.

Once you see where your money is going, you can decide where you want to cut back on.

2. Create a list of your goals.

Your goals are obviously going to change. Some of them will have strict time constraints and others will be broader goals for now. I suggest you put everything on this list. Even as small as getting your eating out budget under $50 each month. Or, increasing your income by $50.

The reason you want those small goals on there is because they are moving you towards your bigger goals. It will help you feel accomplished when you are working on massive goals, like paying off $201k of student loans. You’ll be able to look back on your list and see all that you have already done.

Figure out what goals have time constraints on them. For example, I need my summer sinking fund full by July 1st. If I start this in September, that means I have 10 months to reach this goal. I can put aside $300 every month until then and have $3,000 saved for the summer.

$3,000 seems very daunting, but $300 is much easier to manage. Plus, this can easily be added to my budget. I like breaking my bigger goals into smaller monthly goals. This makes it easy to add to my budget each month and easier to reach.

3. Align your budget and your goals.

When you create your budget, keep your goals in mind. You’re going to have to figure out what needs to take priority for you. Of course, you can’t work towards all of your goals at once, you won’t feel any traction on any of your goals. I have shared the spreadsheet I use to create my budget and track my expenses, if you’re a Google Sheets person, this is for you!

My suggestion is to always have a budget in place with sinking funds and then get started on your 1 month emergency fund. This sets you up for success while you tackle your bigger goals. I’m currently working towards paying off my student loans. It is by far the largest expense I have right now.

I’ve been working on this goal for almost 4 years. It’s a long road and I’ve had to slow down a few times to focus on other goals that needed to get done first.

Every journey is different, but you need to make sure that your budget and your goals are aligned. As you complete one goal, remove it from your budget and start working a new goal into your budget.

4. Re-adjust your goals and your budget.

Most of time, life doesn’t go as we plan. Sometimes these are good and sometimes they are bad. What’s important is that we adjust for them. I have always struggled with this, but I know it’s important.

While working on my goal to pay off my student loans, it’s really hard for me to slow down. I want to always put the most amount I can towards my debt. The reality is that it can’t always happen that way.

This is when you have to adjust your goals and your budget. The reality is that sometimes other things need to be a priority. The one that usually gets me is filling my car sinking fund back up after I get work done. The reality is that I need to maintain my car and I have a sinking fund for this. It wouldn’t make sense to not fill this back up because my car will always need maintenance.

To manage multiple financial goals, you need to stay organized and keep an updated budget.

Having multiple financial goals is a good thing. With a little bit of organization and budgeting, it is easy to manage it all. When you’re first getting started, I suggest to only have one goal. As things come up in life, you can add more as you feel they are needed. This can easily be done by figuring out when you need the goal to be completed and how many months you have until then. This monthly number will be added to your budget.

When you’re just getting started with working on your finances, it is overwhelming. Take it one step at a time and try not to overwhelm yourself. As always, I’m here to help if you’re struggling to get started. Do you have multiple financial goals? How are you managing them all?