Success for 2018!

Did you know that only 8% of people reach their goals and keep their new years resolutions? Don’t you want success for 2018?  Here are my steps to make 2018 a success!  For a moment treat yourself like a business and make sure you get results in 2018 and bering success for 2018.

Reaching your goals in 2018
Success in 2018
  1. Review 2017 – find out what happened in 2017.  The good and the bad.  Did you reach your goals?  Why or why not? By knowing what is propelling you or holding you back is knowing how to be successful in 2018.
  2. Make your goals.  By following the SMART principal of goal setting. Make your goals = S – Specific M- Measurable A- achievable R – Relevant T – time. So instead of saying in I want to take control of my finances.  Try a goal like my October 1, 2018 I want to pay off 2 credit cards (total $6,000) and save $1000 emergency fund.
  3. Make a plan. If your goal is to pay off $6000 and save $1000 you are looking at a total of $7000 you need to come up with before October. So between January and September there is 9 months.  So roughly $778 a month you need to pay off or save.  Or $195 a week (4 week month).  How are you going to reach your goals?  By changing your spending?  Or by increasing your income?
  4. Realise why your plan is important!  Is it because you will be in charge of your finances, or debt free.  Or is it to prove to yourself that you’ve got this? What ever the senario it is important to know why you want to reach your goals and what that will change when you DO reach your goals.
  5. Constantly reassess your goals and how you are tracking.  Don’t give up.  If you have a bad month, get back up and start again.  If your goal of $195 per week isn’t met for 3 weeks, don’t stop being $585 short is better than still being in $6000 debt.

You might find this planner to be helpful free here!

I have started a facebook group if your interesting in supporting others and getting tips to reach your goals!  The group link is here.

love budget mum blog - frugal and budget living blog

How to have the best 2017

I love a new year.  A love all the possibilities a fresh year holds and the dreams and goals you set and creating an action plan to make them a reality.  In a year anything can happen and I find that magical! But if you want to have the best 2017, you need to plan now.  As the old saying goes “Fail to plan or plan to fail!”  So let’s not fail let’s start planning!

How to make 2017 the best year of your life


Review 2016

This is step one because it is the most important.  By knowing what you achieved in 2016 will be your best indicator to what you can do better in 2017.  Good and bad achievements. If 2016 was unsuccessful then look at the mistakes you can learn from.  Say you spend $5500 in takeaway in 2016 in 2017 you know you can save at least $5000.  If 2017 was a success look for areas you can push yourself.  How can you stretch your pay rise further.  How else can you side hustle?  A review is the best way to look forward and plan. You can check out my 2016 review here.

Think about your life goals

Knowing where you want to be long term, is just as important as how you are going to get there.  Each year it is important to work towards those long term goals.  Often your short term goals work as a kind of stepping stone to long term goals.  But don’t forget to make measurable long term goals.  For example I would like to retire early.  Isn’t a measurable goal.  I would like to retire by my 50th birthday is.  Look deeply into that goal.  To retire by 50 I would need to be debt free and own a investment property to provide some income.  That level of breaking it down then provides you will smaller goals.

Set Goals for 2017

Looking at your long term goals broken down – what do you want to achieve in 2017.  You want to make it the best 2017.  So you want to make you goals exciting, measurable and achievable.  You still want to WORK for them, but not be disheartened because you didn’t get a Ferrari. For my 2017 goals check out this.

Map it out

Map out how you will achieve you goals. Want to be debt free, make a plan of which credit cards, loans, etc you will pay off.  In what order and when.  By June Mastercard paid off.  By August car loan paid off. Etc. This step is just as important as reviewing 2016.  You can’t get to September and realise that you have only been making minimum payments on your credit card. That was meant to be paid off by October.  By making a plan it will hopefully inspire you to stay on track.  It should also make it easy to track that you are going to meet your yearly goals.  By having it mapped out it eliminates any guess work and you will be successful.  Making 2017 the best year yet!  If you need help mapping it out – you could use this planner.


I hope you are inspired to make 2017 the best year ever!  I would love to hear all about your goals and your plan!

Budget Mum Blog



Budget Mum’s 2017 goals

Goal setting – it really is my favourite part of a New Year.  So much anticipation, excitement and motivation about the New Year and how much can be achieved.  I love goal setting – it excites me to set goals and see them being met! Here are my goals for 2017.

my personal goals for 2017
my personal goals for 2017

Of course you don’t need to wait until the New Year to set new goals – any time is the right time to make goals.  But I love the promise of the New Year!  If you are looking for something to help you set goals – check out my free printable planner here. This year I will be returning to full-time work and so our goals this year are bigger than any previous year!

My Goals –
  1. Pay off my car – this will be the last of our consumer debt.  We will still have our mortgage but this will be our last debt of our ‘bad’ debt.  Hopefully this will be paid of early in the 2017. Freeing us up for our next quite large goal.
  2. Save $30, 000.  This for us is a very lofty goal.  A goal that will take us probably the whole of 2017 but it will be worth it in the end.
  3. A family holiday – At the highest it would be Iceland – at the lowest a week to the Sunshine Coast. My husband would LOVE to go to Iceland, I’m not prepared to make that our goal – I am quite nervous about goal no 1.  A holiday is defiantly on the goal list on the top of our list would be Iceland but not necessarily.  Iceland would mean I need to take extra (unpaid) time off work – because we would go in September which I only get 2 weeks off which is probably not enough. We will strive for Iceland however we won’t be too disappointed if it’s to the Sunshine Coast instead!
  4. I also have a personal goal about my health.  I’m finding that I have become the age old adage of being a Mother and I put myself last.  So this year my aim is to eat better breakfasts – our dinners are always quite healthy and so I’m focusing on breakfasts.  It’s my biggest downfall and so I’m hoping to improve this.

What are your goals for 2017?  I would love to hear them!

Budget Mum Blog

2017 free planner

Here it is!  I have made 2017 free planner – I think you will love it!  Great to set and achieve your financial goals. It is a great place to keep all your info together and set yourself some goals for 2017! Who is with me??? Let’s make it sparkle!

Free financial and goal planner for 2017
Printable planner to set goals and make 2017 sparkle


I hope you love it!  I can’t wait to see it in use – use the hashtag #budgetmumblogplanner so I can see you use it too!

Budget Mum Blog

Ways to motive yourself financially 

Saving money, paying off debt and staying in budget. All things that require A LOT of patience, perseverance and most of all motivation.  Keeping yourself motivated is probably the hardest part of keeping up your financial goals. Here are some hints and tips on ways to motivate yourself financially to reach your goals.

reaching your financial goal quicker by staying motivated.
How to stay financially motivated to reach your goals
Tips to keep your self motivated to reach your financial goals.
  1. Have exact goals.  Not I need about $10,000 – do you need $10,000? Or $10,650 – be exact.  Know the exact number.  Add up all your debt and know to the cent what you owe or what you need to save.  Having an exact goal is an import step.  If it becomes lower then that is a bonus but have an exact figure to work with.  Once you start making payments you can then say its $8453.  That is a lot more satisfying than saying I need ‘oh about $8500.’  You will also find it a lot more motivating to make payments to get under $8000, then under $7000 etc.
  2. Compare.  What the minimum is and what you want/can pay is.  If paying off your credit card will take 8 years paying the minimum work out how quickly it can paid off paying extra.  Often the time and the interest is enough motivation to knuckle down and pay it off asap.
  3. Recognise how far you have come.  Too often we are overly critical of ourselves – if you were doing well then fell off the wagon than consider how well you had done, why you fell off the wagon and how you are committed not to do that again.
  4. Create a visual payment section, I love a colouring in page -divided into payment segments. Colour in how much you have paid off, of my favourite a good old thermometer going up in increments of your payment schedule so you can track you progress. At the beginning it will seem a little boring but once you start making progress it will really motivate you to keep going!  You can keep this in your budget folder or somewhere you will see all the time. My favourite is on my bedroom wall with my motivation board!
  5. Have a motivation board – have a picture of what you aiming for.  If it is a holiday a picture of where you want to go, what life will be like without having a credit card.  I like to have a picture/collage in our room to keep me motivated with my payment board. It can be anywhere that you see regularly.  I like our bedroom because I see it all the time but visitors don’t see it.  Another great place is on your screensaver on your phone.  If your like me and love to check your phone through the day this can be very very helpful, the constant reminder during the day helps stop any impulse buying!
  6. Follow like minded people on social media!  I have found the instagram community soooo helpful, motivating and encouraging.  I follow people from all over the world, all in the same situation trying to better ourselves financially!  It’s so inspiring to find people who are looking for ways to save on food, on electricity on christmas presents etc.  I just started searching hashtags that I used like #budgetmum, #frugalliving and started commenting and found so many lovely people that are sooo eager to help and share their ideas!  You can follow me here.

I hope that this has give you some tips and hints on how to stay motivated to reach your financial goals!  I would love to hear any more ideas or if you a motivating story I would love to share it!

Budget Mum Blog

Free – monthly goals printable

Hey! How are you?  Do you love to set goals? I love goal setting, it’s how I get things done.  Otherwise I just float by procrastinating and wish I had done something more earlier.  I already do a weekly list of 5 on Instagram (PS i’d LOVE it if you followed me here.) But that is more my job list. So I have decided to start doing a monthly goal list. And what I also decided to do is make it a FREE printable for you awesome people!

free printables
Goals free printable

I hope you will love it as much as I do!

Budget Mum Blog

Budget series 1 – developing your budget

I believe having a budget is a great thing! You know that you have the money to pay your bills, no stress & no hassle!  That is if you have a budget that is working for you and your family.  This is a guide or helping hand on how I set up our budget and how to make it work for you and your families needs! No matter where you are in your financial journey a budget can help.

budget series - step 1 developing your prefect budget
Developing your perfect budget
  1. Set you financial goals.  By the end of this year… In 5 years time… When I retire… make them clear and start a plan to make them happen!  Your first goal should be getting out of debt – that should be everyones first goal. Make your goal known and put them in a place you will see them.  If that means it is a mood board of the house you want to buy in your study great, or it may be a picture as you phone screen saver.  Make it visible for you so you aren’t tempted to stray.
  2. Make a list of every single expense. Everything that you spend money on, insurance, gym memberships, everything.  Have a look at this list and alter it to your exact needs. 
  3. In three different colour high lighters highlight your essentials, items that could be lowered and non-essentials in another colour. You need to be ruthless.  Needs and wants are very different things and if you are starting from scratch you need to know the difference for the benefit of having a budget that works.
  4. Having a budget that works is based on having more money at the end of the month than month left after the money.  So you need to start putting together what your essentials are what you can live without.
  5. Start adding up or dividing your expenses into weekly/monthly amounts depending on your pay cycle.  That way you can look at how much you need to save for each expense per pay cycle – so nothing sneaks up on you. Eg if your car insurance is $1500 a year you need to put away $30 per week or $125 per month depending on your pay cycle.
  6. Start putting your budget together.  Start with the essentials.  With your left overs start with items that you could lower.  A good budget is realistic to ensure you stay on track.  Sometimes you may need to be very strict to get on top on things – be honest with yourself and you partner if this is the case. Short term pain is long term gain.
  7. Include some amount of savings.  Even if it is $5 or $10.  This is to form your emergency fund.  An emergency fund is what helps you get yourself out of trouble in the case of an emergency!  Your car breaks down, you have a broken water pipe… life happens! But having an emergency fund stops you from borrowing money or putting it on a credit card. You need to stop building anymore debt! Once you have a full emergency fund (say $2000) you can swap this money to a savings account to start a proper savings account.
  8. Tweaking, your essentials and non-essentials all need to be added in.  Making sure that you have money at the end of the week/month to save.  budgeting can be tricky but it can be liberating knowing that you have enough to pay your bills from month to month is a great feeling.
  9. Cutting back these articles may help you start saving money on the items that need to be cut back on

saving money on groceries before you get to the store

1 trick to save $900 on groceries

saving on hair and beauty

save $1000 in one afternoon

8 ways to save on groceries

Hopefully these tips to starting your budget are helpful.  Start your budget as soon as you can, the sooner the better to reach your goal.  If you need to physically restrain your self from spending money, cut up your credit card or freeze them in a block of water (you will need to defrost it to spend – stopping any impulse buys).  But make sure your goal is visible and achievable so you can keep setting your own personal goals higher and higher.  The first step can be the hardest but remember that having a budget (and sticking to it) is a great feeling knowing that you can pay your bills!  Good Luck!


love budget mum blog - frugal and budget living blog

budget series - developing your budget
Developing your budget