Welcome to the Life Changes by You Blog!
What is a savings rate? And how do I calculate mine?
When I first started dreaming about retirement I didn’t think about how much I was saving now and how much I would need in the future. All I knew is that I wanted to retire early, who wants to wait until you’re 59 1/2 to be able to tap into your retirement funds and...
How We Went From A Negative Net Worth To 6 Figures In 3 Years.
If you’re anything like I used to be images be, ignoring your financial numbers, you may not even have heard of net worth. Each month we were under our income amount in expenses so I thought that was good enough. I would bury my head in the sand when it came to money....
Why Should You Budget?
Budgeting clearly shows you where your money goes. It provides you with a detailed understanding of what you can afford and what you cannot. It saves you stress from overspending and helps you achieve your goals. You don't have to struggle anymore with making your...
Tired Of Failing At Your Goals? Check-In With Your Goals.
We are at the end of February, two months into 2021. Many people set new goals at the beginning of the year and I think now is a good time to reflect on those goals. Regardless of what you set for your goal. Whether it be professional achievements or maintaining...
Curb The Temptation To Spend
We live in a society that expects us to spend money. Everywhere you turn you are asked to buy this or that. Save time by spending your money on X, Y, and Z. Weatherby online, on your phone, on the TV, on billboards, or by your friends. products and services are all...
How To Learn Delayed Gratification
Do you know someone that when they see something they want, they have to have it now? One click and we can have information at our fingertips in seconds or buy whatever we want. Instant gratification seems to be the norm of our society. When it comes to money, people...
Where to Start Saving for Retirement?
In theory, everyone knows that you need to save for retirement. Yet, many people don’t know where they should put their money or how much they need to contribute. A lot has changed in the last few decades when it comes to what retirement means. Cultural norms around...
63 Ways To Spend Your Time, Not Your Money.
More often than not people believe that they have to spend money in order to make memories, do things, or be entertained. Well it's easy to find things that you can do by spending money, but there are plenty of things that you can do that will not cost you any money....
Budgeting Without Tracking Every Dollar.
Does tracking every dollar to make a budget sound daunting to you? It did to me, too. I found a way to get around that feeling yet still be in control of my money. Here’s a little back story. Don’t get me wrong, I am a number lover. This number loving comes in the...