We are in the heat of the summer and year end is less than five months away.  How do you feel about your personal finances as we come closer to year end?  Do you feel like you are on track to reach your year-end financial goals you set for yourself?  Do you feel like you have some catching up to do in order to reach your goals?  Well now is a good time for you to check whether you are on track to achieve your financial goals for the year.  Its better to check on your goals now instead of waiting until the end of year.  At this point, you still have time to reach your year end goals even if you are a little behind.  So take action time now to review your financial goals so that you are on track to reach them before the end of the year.

Here are some steps to get you back on track:

Review the financial goals you set at the beginning of the year – Takea look at the goals you set to accomplish and look to see if you are on schedule to reach the goals you set or have already accomplished what you set out to achieve.

Identify what you have accomplished so far – Give yourself a pat on the back for accomplishing the goals you have achieved.  Hopefully these goals have helped you simplify your finances and reduce financial stress.  As well as provide you a sense of accomplishment.   It’s important that you take time to enjoy your success.  But remember if you still have some goals to accomplish, time is running out so don’t celebrate too much and lose focus.

Re-evaluate the goals you set at the beginning of the year  – Look at the goals you set at the beginning of the year to  determine if these goals still meet your financial objectives to want to achieve.   Your situation may have changed so the goals you originally set out to accomplish may need to be adjusted or eliminated.  For example, you may be expecting your first child or have made a career change.  Both of these situations will impact the goals you originally set.  Now is the time to reevaluate  your financial goals to determine if they are relevant.

Identify top priorities for remainder of year – After you re-evaluate your goals, there maybe some financial goals you need to add or subtract.  So now is the time to identify the goals which are most important and you want to accomplish before year end.

Put action plan in place to achieve financial goals- Once you have identified your top goals you would like to accomplish, develop a plan of action to achieve them.  Determine what do you need to do to stay the course so these goals are achieved before year.  This is a very important step.  You want to make sure the actions steps you put in place are achievable.  You want to celebrate your accomplishments by year end not asking yourself what happen.

Now that you have these simple steps to get your financial goals back on track, you have no excuse for not reaching the goals you set out to accomplish.  You must act now while you still have several months before the end of the year.

 What are some additional ideas you use to make sure you remain on track to reach your year end financial goals?

Remember take one step at a time to simplify your personal finances.

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We all have fears at some point in time in our lives.  Such as fear of putting money into the stock market and the fear of losing it all.  But you can not allow financial fears hold you back and prevent you from achieving your financial goals.  The only way you will achieve or reach your financial goals and objectives you set out to achieve is to get over your financial fears.

Here are 5 ways to help you get over your financial fears and help you achieve the lifestyle you want to live. [click to continue…]

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April 15th is here and hopefully your tax return is completed.  So now it’s time to celebrate right.   Maybe if you are receiving a refund or if you didn’t have to pay much.  The best news is that you don’t have to worry and stress over your return for at least eight to nine months.

Not exactly.  You just completed this year’s return and now is the best time to start planning for next year’s return while it is still fresh in your memory.  You still remember the pains that caused you to pull out your hair while preparing this year’s tax.  Instead of just putting it off for several months why not better prepare yourself by implementing a few changes for next year.

Here are a few questions to ask yourself that will help you prepare for next year’s return: [click to continue…]

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It’s April and tax season is upon us.  As you gather your W-2s, 1099s, 1098s and other tax documents to complete your tax return or provide them to your tax preparer, you are probably hoping  to receive a tax refund instead of owing additional taxes.  As you visualize that tax refund check, you are probably also wondering how to spend it.  Instead of spending it on something you don’t need or just splurging it.  Why not use it to help you begin your journey to simplify your finances.

Here are a few ways you can use your refund check to help you simplify your finances: [click to continue…]


Splurging – Spend (money) freely or extravagantly .  All of us do it every once in a while.  We go to the store with a list of things to buy or a set amount you plan to spend but you saw something you just could not leave the store without.  You ask how can I stop the splurging and stick to my budget.  Well it takes some self control to stop the splurging but sometimes that does not always work.

So here are some ways to help you eliminate your splurging and help you stick to your budget:

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I am sure you have heard the term cash is king.  It is true but not only is cash king it can also help you simplify your personal finances.  You have probably read articles that cash will become obsolete.  Well as long as we are still using cash let it help you simplify your finances.  Here is how using cash can help you simplify and improve your finances.

Eliminate monthly bills – Yes it true cash can eliminate bills.  Instead of paying with a credit card use cash when possible.  By using cash you will not receive a bill for your purchase at the end of the month.  One Christmas I decided to use cash for all of my Christmas purchases.  It forced me to stick to a budget as well as plan ahead before I would go shopping.  I needed to determine how much cash I needed to take with me.  It was a great feeling when January came around and there was no credit card bills staring at me to pay.  It was already paid for. [click to continue…]


Did you know your 401k can simplify your finances?

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You are probably wondering how can my 401(k) possibly help me simplify my finances?    Investopedia defines a 401(k) as a qualified plan established by employers to which eligible employees may make salary deferral (salary reduction) contributions on a post-tax and/or pretax basis. Employers offering a 401(k) plan may make matching or non-elective contributions to […]

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What do you plan to do with year end bonus or salary increase?

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The year end is only a few months away.  Many companies usually payout year-end bonuses and make salary adjustments at the end of the year.  Have you considered what you will do or would do if you receive year end bonus or salary increase?  Will you spend it or will you allocate it to help […]

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8 reasons WHY you must take action to simplify your finances

by B Simple Mindset

“Action is the foundational key to all success. ” Pablo Picasso Do you set goals but never reach them?  Do you want to organize your finances but never seems to get it done?  It’s probably  because you never took action.   Taking action is the first step you need to take in order to simplify […]

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What are you doing right with your personal finances?

by B Simple Question

  Do you  have a tendency to focus on the negative when discussing your personal finances and forget about the things you are doing right with your finances? I have too much debt. I don’t have an emergency fund. I have not saved for retirement. It is good to focus on the things you need […]

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