Warning: Creating default object from empty value in /home2/chrilam3/public_html/wp-content/themes/simplicity/functions/admin-hooks.php on line 160
Tag Archives: Budgets

Holiday Spending

For years I celebrated the holidays by spending money.

I’d buy gifts for everyone I knew.

I’d shop, shop, shop all season long.

I was trying to buy holiday happiness for everyone, including myself.

Of course, I couldn’t.  It didn’t matter how many presents were under the tree.

The holidays were the holidays.

Sometimes happy.  Sometimes not so much.

I’ve since realized that happiness has nothing to do with spending money.

Yes, this sounds silly.  And even though I’m smart, it wasn’t always obvious.

This year I want to challenge you to find your holiday happiness without spending a dime.

That doesn’t mean you can’t buy gifts.

But before you buy, take some time to figure out what you really want for Christmas.

Do you want to be happier?

Do you want more connection?

Do you want more fun?

Figure out the feeling first.

Then decide how you can get that feeling without buying gifts.

For yourself or others.

It is possible. And it’s one of the best presents you’ll get all year.

Leave your comments and insights below. 

Email me your questions on money to christy.lambert@areyouthriving.com

If you like this,  share it on facebook or twitter!

If you want some help creating a holiday spending plan and connecting with what you really want this year, join the Holiday SOS coaching experience. 

It’ll change your relationship with holiday spending forever.  Click Here & Get Started

 

Leave a comment

Can you afford it?

You really want to buy something, sign up for a class, go on a trip, and the numbers don’t support it.

It’s a drag to think you really want something and then tell yourself you can’t afford it.

So stop lying to yourself.

When you make up your mind that you want something, there’s almost always a way to get it. You could sell everything you own, you could work two additional jobs, you could cash out your 401k.

But you’re not.

There’s a reason you’re choosing not to afford it.

The only reason you ever want to buy something is because you think buying it will make you feel a certain way.

  • You think participating in a class will make you feel confident or connected.
  • You think a new pair of shoes will make you feel sexy.
  • You think going to Greece will make you feel relaxed and free.

And it might.  But you don’t have to buy those things to get those feelings.

The same is true when you choose not to afford something.

The only reason you ever choose not to buy something is because you think having something else will make you feel better.

  • You think paying off your bills will make you feel responsible.
  • You think having money in your savings account will make you feel secure.
  • You think not working a second job will make you feel free.

And it might.  But it’s possible to buy the item you want and still get those feelings.

The only way to really know if you can afford something is to know what you value and why.

What do you value most: the item or what you’ll get by not buying it?

If something is important to you, stop telling yourself you can’t have it.  Instead, brainstorm creative ways you could choose to afford it. Check in and see if you’re willing to do those things and understand why/why not?

Affordability isn’t just about dollars and cents.  It’s about value. And you always get to choose what you value.

Leave your comments and insights below. 

Email me your questions on money to christy.lambert@areyouthriving.com

If you like this,  share it on facebook or twitter!

5 Comments

Money Monday – Unexpected Bills

You’re chugging along, making progress toward your financial goals and then seemingly out of nowhere you’re hit with a big fat bill that isn’t in the budget.

Or maybe it’s just a series of small bills that seem to come out of the woodwork just when you feel like you’re starting to make real progress.

Unexpected things do happen.

When unexpected things happen regularly they can no longer be considered unexpected.

If you’re consistently running short at the end of the month, or writing a check that’s just not in the budget it’s important to take the time to figure out what’s really going on with your money.

In my own life, I noticed I had a tendency to significantly underestimate my monthly expenses.

I’d decide once and for all I was going to be responsible and quickly pay off my debt. The faster the better. So I’d sit down and create a budget that I thought would propel me quickly toward my financial goals. It looked great on paper.

I’d make a huge payment on my student loan debt and then I’d freak out that I had no money left when it was time to buy groceries and pay my monthly bills.

I was so disconnected from my money and spending that I had no idea what it actually cost me to live every month.


When I finally took the time to look at what was happening with my money it was easy to see why it felt like things were always sneaking up on me.

I’d been drastically underestimating my expenditures.

Once I knew what I was spending, It was much easier for me to make choices about where I was willing to make sacrifices and where I wasn’t. I was able to create a debt payoff plan and cut down on the unexpected by leaving room for all of my monthly expenditures.

Leave your comments and insights below. 

Email me your questions on money to christy.lambert@areyouthriving.com

If you like this,  share it on facebook or twitter!

Leave a comment

Money Monday – Unexpected Cash

Unexpected money can create unexpected dilemmas.

You get money you’re not expecting. A bonus check. Money from selling something on Craigslist. Cash from winning a contest.  Or maybe you just found some money in the street.

And the money feels different. Like it doesn’t count.

It’s fun money.  Spending money. Bonus money.  And it feels powerful.

By changing the way I framed certain types of money, I treated it differently.  I used it as a reward. To make me feel good.  To treat myself.

And then I felt bad. Like I wasted it.  Didn’t put it to good use.  Didn’t do the right thing.

I’d get regular bonus checks and it would feel like a whole world of choices opened up. I could pay off bills, go on vacation or update my wardrobe. Every choice symbolized something deeper.  I could be responsible, be adventurous or look chic enough that everyone would like me.

The meanings I attached to the money made it hard to decide what to actually do with the money.

So how do you decide what do with unexpected cash?

Step 1: Take the unexpected money off the table.  Decide what your short term and long term financial priorities are.  Understand how you want your money to work for you in the bigger picture and why.

Step 2: Get clear on how you want to feel about the money. What feeling are you hoping the money can buy?  Be honest and put it on the table.

Step 3: Remember you can get the feeling you want, regardless of how you spend the money. Get the feeling you want first and then make the decision.

Leave your comments and insights below. 

Email me your questions on money to christy.lambert@areyouthriving.com

If you like this,  share it on facebook or twitter!

Leave a comment

Money Monday – Budgets

I have a confession. I used to hate the word budget. I tried to avoid it at all costs.

It made me feel restricted and deprived. Here were the numbers, on paper, telling me all the things I couldn’t have.

Until I realized, I had it all wrong.

For the first time in a long time, I am choosing to follow a budget.

In a prior life this would have been unimaginable and it would have felt awful.

Now it excites me. I feel like a kid in a candy store.

I have a budget I love.

It’s helping me get really clear about what I want.

It’s helping me create intimacy with myself and my money.

It’s helping me be really conscious about what I”m doing with my money.

It’s helping me keep the big picture in mind.

It’s helping me see I don’t need to spend money to feel good.

I’ve realized budgets aren’t about what you can’t have.

They are 100% about what you can have.

They are about owning your choices.  For your money and your life.

Leave your comments and insights below. 

Email me your questions on money to christy.lambert@areyouthriving.com

If you like this,  share it on facebook or twitter!

Leave a comment