Goal Setting

Discussing Finances- Navigating that Awkward First Conversation With Your Partner

February 28, 2019 by Michelle McDonald

Creating a budget and a plan for your money is hard enough when you are a singleton. Trying to come…

January 1, 2019 by Michelle McDonald

I am sitting here on the 1st of January 2019 (Happy New Year everyone) and everyone around me is making…

December 30, 2018 by Michelle McDonald

Oh my gosh, what an amazing feeling it is to write this… and not just blogging about it but shouting…

December 7, 2018 by Michelle McDonald

At the start of my journey of financial independence, I realised that I spent most of my excess money on…

December 1, 2018 by Michelle McDonald

Hey smart ladies, so we all know how hard we work for our money right? We work 40+ hours a…

The Hidden Secrets To FI

Financial independence (FI) is a journey with an intentional start and a clearly defined destination. The first step to transition from where you are and become smarter with your money, is to take responsibility for all your financial mistakes. I Have been there, and you are not alone. Until I stopped blaming my family, friends, past relationships and the system for not teaching me, I didn’t achieve any significant milestones in my journey. I had to own and accept my bad spending habits, hustle and learn for myself and everyday resolve to do better. Then I started setting and tracking my savings and debt repayment, expenses and setting GOALS. So far, in my FI journey, I have realised that lack of planning, budgeting, expense tracking and not being intentional were killing my financial dreams. Kick start your FI journey by reading fellow women stories here at Smart Girl Money Tips, stay connected by signing up for our newsletter and follow us on social media. If you can learn from my mistakes and do what I failed to do early in life, you are a step closer to financial independence. A hard learnt lesson for me was that my cash-consuming comfort was killing financial ambition and it has been difficult to break out of those comfort spending habits. ARE YOU READY TO BE MONEY SMART?
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