Photo by Glenn Carstens-Peters on Unsplash

Dear Smart Money People,

Ever feel like you spin your wheels and get nowhere? Do you ever feel like “why don’t I make any progress?” “How come everyone else is ahead of me?”

Here is how to break that pattern

Consistency, consistency, consistency.

Consistently show up

Consistently do one thing

Consistently do the work

Consistently follow through

There you have it. But it is not that simple. I get it. Totally get it.

If it were that easy to stay consistent, wouldn’t everyone do it?

For the first 5 years of our marriage, we didn’t manage our money on paper or on purpose. We fought, we struggled. Our life was random management of all the things. At year 5 I knew we had to do something. So I asked what we needed to do. The answer was “a budget”. What I have learned since then has been priceless and I want to share it with everyone. And here’s the kicker, it is not about money.

Bill created the budget. We filled in what seemed like reasonable amounts for each category. Bill was going back to school and every dollar had an assignment. It was a hard season. Money was tight. I was not happy, but I was motivated. I was committed to getting our marriage to a peaceful place and if a budget was the way to get there I was all in.

Every time I went to the grocery store or Old Navy, I knew what I had in the budget to spend. Every time.

Groceries were a big area to save. I planned out and cooked every meal. Every day.

When we felt like treating ourselves to pizza on a Friday, we marked it in the budget. No exceptions.

What I learned

I learned that managing our money didn’t need to be hard. It didn’t need to take hours a day. We just needed to be consistent with planning our budget, sticking to it and tracking it. Eventually, it became just the way we lived. Honestly, having lived with a budget for the past 8 years I rarely think about it.

The categories are the same as always. There is more money in each now that we are debt free and that is cool. The practice of managing money is still the same.

Anything in life that you want to achieve, you can. You just have to do a little bit every day. 5 minutes a day, 30 minutes a week, whatever that looks like for you.

Practical Steps to Take

Let’s say you want to learn a certain topic like how to grow your own herbs. Take 5 minutes a day. Read blogs, watch a YouTube video, take an online course or a course at your local community college. Every day do one thing. In one month, you will be 30 days smarter! You will know what supplies to buy, what the different soil types are (I am totally making this up) what kind of herbs need lots of water and sunlight, and which ones don’t. You will learn what seasons are best for each herb. My goodness, you’ve gained so much knowledge. I can’t wait to see how your basil turns out.

It is the same with your budget, your money management, savings, investing. A little bit over time will yield amazing results.

Nothing every day will yield… well, nothing. That’s not who you are. You are here to do amazing things. I can’t wait to hear what you want to accomplish.

Leave a comment below and tell me all about it.

I can’t wait to hear your story.

You’ve Got This!!

Much love. Cheering for you all the way!


Karen and Bill

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