Have you ever been on point with your spending all week only to black out at Target at the end of the week and come to when the cashier tells you your total is $453?

Why do we do that? What makes us self sabotage in that way? We can be so hot and cold. We don’t end up achieving our goals and we feel really crappy about ourselves in the process. There’s a variety of reasons. Money can bring up a lot of emotions and complicated histories and upbringings. But here’s one thing I have observed over my years of working with moms and money:

Most of us lose track of the goal when we don’t have a concrete plan we’re committed to.

It sounds simple when I say it, but I realize it’s not always that easy to implement. A plan, however, is vital to you getting to where you want to go financially. Most people who struggle with consistency don’t have a plan. They will say things like “I just need to make more money, then I can reach my goal” or “I just try to save money when I can.” In either case I would ask “how’s that working for you?”

Think about it, when was the last time you had extra money laying around at the end of the month that actually got transferred to savings? Something always comes up, right? Sometimes it’s car repairs, sometimes it’s a deal on some shoes but something always comes before savings when you don’t have a plan.

I know what you’re thinking, “OK Krista, I hear you! But I’ve made a plan before and I just haven’t stuck to it.”

That’s fair. So I will share with you a mindset shift you have to make in order for your plan to actually stick:

When you create your plan, you are the boss. When you execute the plan, you are the employee.

The good news is, you get to be the one to create the plan. You decide what you’re prioritizing and how you will make it happen. That’s the fun part. So you have to decide when it’s time to execute that plan that you will treat it like your boss just handed you this and told you to do it. As the employee you don’t get to question, put it off, or fudge the numbers. You just show up and do the work in front of you.

What do you do to stay consistent in your journey with money? Do you have any tips to share? Let me know in the comments below!

<3 Krista

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