Focus On The Little Wins
Welcome to our Hoyes Michalos Debt Free Digest where we round up personal finance topics from around the web to help you live, and remain, debt free.
Feeling pressured to come up with a financial resolution for the New Year? Don’t be. Instead, focus on the small steps you took in the past year to improve your finances and build on them. That’s the theme this month.
Good Reads From Around the Web
What Financial Wins Did You Achieve?
- Did you stay within your holiday budget?
- Did you take part in any no-spend days?
- Did you say no to spending pressure?
- Did you try some cash-only spending days?
- Did you reduce some of your spending?
- Did you save up for a bigger purchase?
- Did you spend some time looking at your spending? Would you try a 30-day money plan?
- Did you stick to a budget?
- Did you make a plan to pay off debt?
- Did you balance your budget without new debt?
- Did you start building a small emergency fund?
- Did you automate any savings?
- Did you pay your bills on time? Always? Mostly?
- Did you watch our free credit rebuilding program?
- Did you start researching for your retirement?
- Did you set up a longer-term savings account like an RRSP, RESP, RRIF?
If you managed to do even one of these things or any we didn’t list, then congratulations! Keep on going and keep up the hard work.
If You Find Yourself Struggling…
If you struggled to achieve financial wins this past year, you’re not alone. Maybe you tried, but what if your mind caused you to self-sabotage? It happens. In this post, learn about the 5 sneaky ways your mind can sabotage your spending habits.
Improving your financial health starts with taking small steps that build up results over time. Every little bit of effort helps.
And for extra motivation to keep you going, this post by The Upside gives you 8 ways to stay motivated and follow through on your goals.
$50 President’s Choice Gift Card Giveaway
Enter for your chance to WIN 1 of 10 free $50 President’s Choice gift cards!
For this month’s giveaway, we want to know your ‘wins’ – no matter how big or small. Maybe you stuck to a budget and paid for a big ticket item with cash. Maybe you helped someone out or donated. Maybe you got a new job or raise.
Share your ‘win’ with us. We want to know what brought you joy this past year.
Enter soon. Giveaway ends January 26, 2023 at 11:59 p.m.
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