Financial Fittness - August Challenge

I get regular emails from EveryDollar and You Need a Budget (YNAB) with financial tips. I often don't read them. I leave them unread with the intention of reading them later. Well, there's no time like the present! As Gary Vaynerchuk says "You're gonna die..." So let's embrace the now.



EveryDollar's August Challenge is "3 Ways to get Organized with your Money." Their 3 tips are:

• Get rid of the paper pile.
• Plan out your meals.
• Make bill paying quick.

The first two we already do. YNAB has made it easy to input expenses on the go and online banking has made saving receipts a thing of the past. No paper pile! And let's be honest as a family of 4 with toddlers, we HAVE to plan meals. Or we would never eat. But I'm not very good about the third challenge. They suggest "Set up as many bills for autodraft as you can so they are paid easily, predictably and consistently. For the ones that don’t offer that option, pay them as soon as you get them instead of letting them all pile up. The sooner you pay, the sooner you can think about something else!

Now that is something that has my attention. It's true unpaid bills just linger in the back of the mind. They are a burden! I don't particularly like Autodraft. It always catches me off guard. But I can set up each bill to pay automatically when it comes to my mailbox. Almost autodraft, but with me in the driver's seat. YAY! NEW GOAL - set up bills to pay automatically once I have received and reviewed them. BOOM!

We've had a few setbacks in the getting rid of debt department (mainly that the debt pile is going up instead of down), but I'll save that for another day.

Transformation Tuesday

So it's Tuesday and I woke up early excited to workout, take a photo to compare it to last week, and celebrate my success. Then real life happened. Both girls woke up about 2 minutes after I did. They woke up grumpy. We rushed to take dad to work which made it all worse (he ended up walking). It was at that moment of group tears, I decided we all needed to take a deep breath and just slow down. Things got better. We made it to the inside park. The girls ran their little hearts out! Laughed. Yelled. Ran. Jumped. Climbed. It was glorious.

But, E1 is in a boundary phase. Every transition can be a struggle. She says "NO" a lot. She wants to do it "all by myself!!" a lot. It can be hard to slow down enough to let her do these things. By 11am I was tired. I ate a horrible lunch. Bought chips at the store (because we shopped right before lunch, bad idea!). It was one of those stress-eating days.

So here I am at 9:00pm with a glass of wine. Having eaten like shit all day and having missed my workout (then didn't feel motivated anymore), being reminded by my husband that tomorrow is a new day. To try again. To be honest about the struggle.

So let's do part brag, part reality check. I have worked out consistently for a whole week!! WAHOO!! I actually thought about running and felt like I might be strong enough to give it a go! I have been feeling strong in general. Less winded. Less fatigued. My sleep is better. Overall, it's been amazing! PiYo is my friend. It gets me!

But today was real. Real life, with disappointments, missed expectations, and bad habits. But tomorrow is a new day!