Building Mountains Out of Mole Hills

Summer vacation is almost over and hopefully the weather stays pleasant for a while longer. With the coming of the ‘second’ new year most people start thinking about getting back into the normal swing of things and making a fresh start on achieving their goals. If I could show you a simple, painless, and even fun way to save for your next pleasurable purchase such as a big screen TV, vacation, or toy would you be interested?

There are only two steps required to saving more money than you thought possible. The first is to put yourself on a cash diet for all your incidentals like coffee, eating out, gas, and any other small purchases. At the beginning of the week, go to the ‘instabroke’ machine and take out your weekly allotment of cash. After that leave your plastic, debit and credit cards, in your wallet, or better yet, leave them at home. You can’t use them if they aren’t easily accessible.

Second, pay for everything using only bills. At the end of the day put all your change into a jar you have labeled with a picture of your future purchase. If your dream is to go to Hawaii, get a 52 inch TV, get a new mountain bike, or anything else that puts your heart all a flutter, put a picture on the jar and let the spare change add up. Twoonies, Loonies, Quarters, Dimes, Nickels, and even Pennies add up very quickly when we aren’t paying attention.

In a very short period of time you will find this very simple, painless act of saving fun and enjoyable. For added motivation you might want to create a chart (example: a thermometer) that shows your financial progress towards your goal. It is amazing how excited you can get just seeing yourself getting closer to your reward.

Start today and see how quickly you can go from squirreling spare change away to enjoying the fruits of efforts.

“If saving money is wrong, I don’t want to be right.”
William Shatner

Tammy Johnston

Tammy started working in the Financial Services Industry in 1993. The first 9 years of her career were spent working in regional offices, for independent agents, and as Brokerage Manager for two different MGAs. Her focus was on training other agents and helping them solve problems for clients. After spending close to a decade as an employee Tammy decided to venture into the “sales world”. Determined to be more than just another insurance salesman, Tammy founded The Financial Guides. She set about working with clients in a totally different fashion. Feeling that everyone needs a sound financial education she created her first class “Financial Journeys”. The goal was to provide the accurate, unbiased, basic information in simple English that we all require, but can’t easily find. Knowing that the best way to learn is by having fun and being comfortable, Tammy takes good care of her guests with excellent food and lots of laughter. Further expanding her educational and value added offerings Tammy created “Sandwich Safaris”, “Business Builder Nights”, “Small Business Class”, and "FInancial Journeys Summer Camp". Putting time and care into helping with the necessary tasks required to run a successful financial household Tammy works with clients to set up budgets that actually work, reviews credit and debt to make sure it is working for the client and not just against, and makes sure all the pieces of the puzzle fit together properly. Knowing that all financial aspects affect one another she looks at the whole picture. Honestly tells you what is working, what could be improved, and what is missing. Tammy’s clients understand what they are doing, why they are doing it, and have hope for the future. The newest project by The Finanical Guides is our Childrens' Financial Book Series. To check out the books please go to http://financialfoundationsbooks.com/