It’s always going to be the joy, peace, and grat It’s always going to be the joy, peace, and gratitude for me. ❤️
I'm too classy for this world, forever, I'm that g I'm too classy for this world, forever, I'm that girl. ♍️

This is 48! #happybirthday #hbd #hbdtome
Out of office email auto reply like… ✌🏾 Out of office email auto reply like… ✌🏾
Out here summering and whatnot… ☀️ Out here summering and whatnot… ☀️
Laylah and I had a girlies night out at the grand Laylah and I had a girlies night out at the grand opening of @bbtheatres in Creve Coeur. We definitely will be back soon! ✌🏾#recap #stl #stlouis #gno
When it’s 80 degrees out, and the sun is so brig When it’s 80 degrees out, and the sun is so bright so you have to squint. 😂😂😂 #stl #stlwx #spring
29 years ago today, my SONshine was born! @codismi 29 years ago today, my SONshine was born! @codismith, you are the BEST son a mom could have, and I’m so blessed to be your momma! Love you to the moon and back and then some. Enjoy your day, my Aries offspring! ♈️
I could wax poetic and get all mushy and whatnot b I could wax poetic and get all mushy and whatnot but—I won’t this time! Happy 67th Birthday, Mama! I love you! ❤️
When I was Sweet 16. #tbt #throwbackthursday When I was Sweet 16. #tbt #throwbackthursday
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Featured, money matters, Sponsored · January 17, 2018

How I Plan On Reaching My Financial Goals This Year


I've shared with you some of my personal and professional goals, but now I am sharing how I plan on reaching my financial goals this year.

New year, new goals!

Last month, I shared with you my Parental New Year Resolutions, and it got me excited about other goals that I pledged for 2018. Being a busy mom means that you must have priorities in place to make sure you reach your resolutions, and one of my biggest priorities is making sure that my financial health is in check.

When I was younger, I wasn’t very good with money. Because I was a single mom, I was always behind on my bills. My credit was not very good so I didn’t have any credit cards, but just maintaining the bills that I had was too much.

As I got older, and got better paying jobs, I was able to get financially stable. Alongside getting married and now being a double income home, I began to take a closer look at my credit. I was able to then pay my bills on time and get a few credit cards, which I would use, then pay off in full. This helped me build my credit, and now, I am experiencing the best credit I’ve ever had.

I've shared with you some of my personal and professional goals, but now I am sharing how I plan on reaching my financial goals this year.

Keeping my financial house in order means that I am also showing my kids that it is important to be smart about your money. Hopefully these habits have a positive affect on them as well.

Here are a few ways that I plan on reaching my financial goals this year.

Contributing more to my daughter’s college

My daughter will be attending high school this fall, which means college is only four years away. We’ve been saving for her college education since she was born, but I plan on contributing double that amount starting this month. With the rising costs of college, I want to make sure that we are able to afford it without the stress of taking out a lot of loans.

Opening a Retirement Account

Surprisingly, I don’t have a retirement account—oy vey! I have savings, but not one that has been earmarked for retirement. I will be 43 this year, and I would love the opportunity to retire in 20 years. I will be opening a retirement account and will be adding a substantial amount to it monthly. I will do this by working with an advisor and investing using expert advice and guidance.

Zero Debt

My dream is to have zero debt by paying off everything—mortgages, lines of credit, credit cards, the works. I will cut my travel and discretionary income in half and begin working on each of these, tackling them one-by-one. By November, if everything works the way I plan, I won’t have any debt to my name.

Increasing Passive Income

As a professional blogger, it is important for me to have as many streams of income as possible. To do this, I need to have passive income that makes money for me so I can work smarter, not harder. This year, I have several passive income projects in the works including a new book, a new brand partnership, and a series of online workshops and courses.

I've shared with you some of my personal and professional goals, but now I am sharing how I plan on reaching my financial goals this year.

Doing all of this will help me get all of the things I named above done.

2018 is the year that will be the best yet! Make smart money decisions, increase streams of income, and get serious about saving for college and retirement. Those are all of my financial goals for 2018.

You can learn more about options to help you save for your child’s college education by visiting Country Financial. A local rep can help you review your options and  assist you in figuring out what makes the most sense for you and the needs of your family. Follow them on Facebook and Instagram as well for financial updates!

This post is sponsored by Country Financial but thoughts and opinions expressed are mine.


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In: Featured, money matters, Sponsored · Tagged: college, Country Financial, Finances, goals, New Year, savings, sponsored

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Comments

  1. Joyce Brewer says

    January 22, 2018 at 9:39 am

    Love this. We’re taking a closer look at our debt this year. I’ve also got to boost my income, so I’m considering going back to work full-time.

    Reply
    • The Cubicle Chick says

      January 22, 2018 at 12:51 pm

      A debt free life is a free life. I am boosting my income potential to make sure this happens. 🙂

      Reply

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It’s always going to be the joy, peace, and grat It’s always going to be the joy, peace, and gratitude for me. ❤️
I'm too classy for this world, forever, I'm that g I'm too classy for this world, forever, I'm that girl. ♍️

This is 48! #happybirthday #hbd #hbdtome
Out of office email auto reply like… ✌🏾 Out of office email auto reply like… ✌🏾
Out here summering and whatnot… ☀️ Out here summering and whatnot… ☀️
Laylah and I had a girlies night out at the grand Laylah and I had a girlies night out at the grand opening of @bbtheatres in Creve Coeur. We definitely will be back soon! ✌🏾#recap #stl #stlouis #gno
When it’s 80 degrees out, and the sun is so brig When it’s 80 degrees out, and the sun is so bright so you have to squint. 😂😂😂 #stl #stlwx #spring
29 years ago today, my SONshine was born! @codismi 29 years ago today, my SONshine was born! @codismith, you are the BEST son a mom could have, and I’m so blessed to be your momma! Love you to the moon and back and then some. Enjoy your day, my Aries offspring! ♈️
I could wax poetic and get all mushy and whatnot b I could wax poetic and get all mushy and whatnot but—I won’t this time! Happy 67th Birthday, Mama! I love you! ❤️
When I was Sweet 16. #tbt #throwbackthursday When I was Sweet 16. #tbt #throwbackthursday
To all the lovers. A little flower arrangement fro To all the lovers. A little flower arrangement from me to you for Love Day. ❤️❤️❤️ #valentines #valentinesday #love
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