You can achieve your money goals, with one small step at a time.

You can achieve your financial goals by making gradual, simple changes in habits that will stick.

People frequently resolve to be better managers of money in the New Year. Many desire to have more peace about finances but do not know how to obtain this. I yearned for financial freedom for many years before I finally obtained it. Many people gave me financial advice but few were able to give me a plan that worked.

In being a better manager of money, I had to resolve to save money and pay off debt. I starting by putting $1000 in my savings and began attacking my debt. I wanted a house and a retirement account , but I had to accept that this would have to come later.

I took a honest look at my habits. I saw that I had expensive recreational activities. I put too much emphasis on eating out and concerts. I created a practical, realistic budget . I resolved to not spend more than what I allowed for recreation. Eating out became occasional and I did not take part in activities that were not in the budget. I then had money to purchase my first home.

Wealth takes time. People do not achieve financial freedom over night. Financial freedom is a long journey that involves steps and lessons. The changes in spending habits are gradual. I saw that I was able to decrease and later eliminate impulse spending. I found that I had money to cover emergencies. I was later able to start investing for my future once I built up my savings. I can tell you I did not improve my financial situation immediately but I did focus on one small task at a time. Once I completed a task ,I moved on to the next one.

My keys to achieving financial freedom are stick to a budget and get a helper. A budget is a recorded sheet of your income and every expense, with emphasis on spending limits. I had a difficult time sticking to a budget when I was single but did better when I met my husband who had always been a thrifty saver. If you are single, I would encourage you to find a money mentor who is financially responsible and already on the road to financial freedom.

This year of 2026 is the perfect time to start your journey of financial freedom. I am available to provide coaching to anyone who is ready to start on their own journey in taking control of their money .Please schedule a session with me at peacefullifefinancial.com. Karen Skelton Money Coach