Daniella’s Finance Journey outlines the financial experiences that CGS member @daniellacoin is going through as she works with the CGS Financial Consultant to get on financial track. Daniella has graciously offered to share her journey to help inspire and motivate others to take control of their financial lives!
Hello CGS Community! This blog will focus on maximizing your dollar, and how I did not do that last pay period. I stayed generally on budget, which was nice, but I definitely did not think about every purchase I made and the overall impact. I think I just focused on the dollar amount.
For instance, I went grocery shopping like four or five times last week, but instead of getting a full grocery list of like forty or fifty bucks worth of groceries I can cook, I kept spending twenty to twenty-five dollars on mini trips. I spent more money and ran through my budget faster by grabbing immediate things that would be a meal for me right then and there versus taking my time and really getting something worthwhile. It is best to have a plan when spending money. I always overspend when I pick up to my heart’s content instead of shopping with a list.
Now this all takes discipline, so don’t beat yourself up. I am working on the consistency portion of my financial transformation. I think anyone can get a budget, the hard part is changing your routine in a way that is consistent with your routine. I notice that when work gets hectic my apartment suddenly becomes a mess, laundry isn’t done, and cooking goes down. Now this means I need to look at how I can make my life run soother when I’m not crazy busy, so that I have a little more control when I do get busy. Basically, I’m trying to become a perfect adult, quickly.
This process is hard, I won’t lie. It can be very easy to fall back into habits you did your whole life. I have mentioned it before regarding small victories and I will continue to. I’m hard on myself and I’m sure a lot of you are hard on yourself as well. Don’t let mistakes bring you down! For the first time in my life, even with my poor utilization of my grocery budget, I was not desperately clinging to my last few dollars waiting till pay day. I wasn’t anxiously checking my bank after midnight looking for my direct deposit that I know is going to arrive between the hours of 3-8 am. We made it. Now the hard work is still ahead with me focusing on my debt plan, but it feels good to see a tangible result of my effort these past few months. Now if I could just get my health and fitness under control….
Comment below! Where are you on your goals? What is stopping you from achieving what you want? Do you think you need a coach or a steady motivator, like a deadline? I really want to hear from you!
Daniella is a 25 year old working millennial living in Dallas, TX. Daniella is originally from New York and has moved to Dallas to start a life of adulthood on her own. She currently works as an administrative assistant and has a passion for make-up! Feel free to leave a comment with any thoughts or questions for Daniella.
3 thoughts on “Daniella’s Finance Journey: Week 6”
Great post! Making your dollar work for you is key to financial success! That realization can really change your financial mindset…Great job Daniella!
Daniella, thank you for sharing your story. Keep up the good work, it will pay off in the end!
I’ve just been reading through these posts this morning, and it is so exciting to see how much progress you’ve made in such a short amount of time! Your honesty about how challenging it can be is commendable, because there can be so much embarrassment around being off-track with your spending, but we’ve all been there. 🙂 I am stoked to see the success you’re having, and I can’t wait for the next installment!