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Speaker 1: A goal without a plan is just simply a wish.

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Speaker 1: This quote perfectly captures the essence of what we are

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Speaker 1: going to be talking about today, that is setting and

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Speaker 1: achieving meaningful financial goals for two thousand and twenty five.

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Speaker 1: But we're going to be going beyond the boring generic advice,

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Speaker 1: you know, that smart goal acronym that we've all heard

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Speaker 1: about five thousand times. Instead, I want to help you more.

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Speaker 1: I want to go deeper. I want to share with

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Speaker 1: you my own personal strategies. How I set goals with purpose,

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Speaker 1: how I stay committed and dedicated, and how I keep

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Speaker 1: my motivation levels burning all year round for impressive results.

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Speaker 1: Impressive results that leave me feeling satisfied, leave me feeling proud,

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Speaker 1: leave me feeling excited to actually launch into the next

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Speaker 1: year's goals. So together, you and I are going to

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Speaker 1: dive in deep, and I'm going to share with you

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Speaker 1: my progress and all those helpful, insightful, juicy tips that

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Speaker 1: have worked wonders for me in.

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Speaker 2: My goal setting and goal for getting.

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Speaker 1: A Step Number one is your awareness and your why. Okay,

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Speaker 1: knowing where you stand is the first step to knowing

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Speaker 1: where you want to go and quickly making sure that

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Speaker 1: you get yourself onto that path heading towards where you

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Speaker 1: have your heart and mind set on. Awareness is the

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Speaker 1: foundation of all effective goal setting. It goes without saying,

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Speaker 1: but before I set any goals, particularly obviously financial goals,

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Speaker 1: I do a financial stock take. I take a whole

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Speaker 1: day to do this so that absolutely nothing is missed

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Speaker 1: or accidentally forgotten about. I look at my entire financial situation.

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Speaker 2: So I'll start with the.

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Speaker 1: Fun ones first to get me going. So obviously the assets,

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Speaker 1: so I'll look at savings accounts, investment portfolios such as shares,

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Speaker 1: property portfolio. I'll add my value of my home in there.

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Speaker 1: I'll also include my superannuation. And then once I've got

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Speaker 1: absolutely everything, including emergency money accounts, things like.

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Speaker 2: That, I will then move on to liabilities.

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Speaker 1: And this obviously includes my home loan, it includes investment loan,

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Speaker 1: includes my margin loan that's attached to one thousand dollars project.

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Speaker 1: It includes all debts, all financial responsibilities that I have.

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Speaker 1: So for anyone listening to this, yes, it does include

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Speaker 1: your hex loans, it does include buy now, pay later,

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Speaker 1: it does include credit cards. And then I will also

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Speaker 1: go and look at how much passive income I've grown

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Speaker 1: so far. So I will look at what my shares

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Speaker 1: have paid me in dividends.

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Speaker 2: I'll look at what we're earning.

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Speaker 1: From its property portfolios. I will also go and look

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Speaker 1: at how much my superannuation has earned income returns that

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Speaker 1: is obviously the passive income. I will look at everything

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Speaker 1: and everything gets written down pen to paper, which is

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Speaker 1: really important. Now, what this clarity shows me is what

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Speaker 1: in my financial situation needs urgent attention. It also shows

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Speaker 1: me what in my financial growth and journey is actually

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Speaker 1: coasting along nicely. Like when I did this, I was

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Speaker 1: actually quite impressed by my superannuation and how that's going,

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Speaker 1: so that was a nice win. I can also see

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Speaker 1: what's performing.

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Speaker 2: Well and what's not. And once I've written everything down.

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Speaker 1: I sit, I read, I reread, and I reflect.

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Speaker 2: As I said, I take the whole day to do this.

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Speaker 1: Now, this moment of pausing is really important because it

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Speaker 1: allows me to identify and connect with the areas that

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Speaker 1: I really want to improve, and channel my energy into

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Speaker 1: what matters and understand my why.

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Speaker 2: So for example, when I did this.

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Speaker 1: Recently during the Sugar Mamma ten Day Financial Reset Challenge,

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Speaker 1: I realized that our financial float needs replenishing urgently. After

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Speaker 1: Christmas and school holidays. With all those expenses, people being home,

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Speaker 1: being out about maybe cabs, occasional babysitter, our financial float

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Speaker 1: got hammered. And I also have to admit our emergency

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Speaker 1: money is not where I would normally like it to be.

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Speaker 1: So this awareness that was created from doing a financial

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Speaker 1: stock take was really valuable. If I just launched straight

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Speaker 1: into goalsitting, I wouldn't even paid attention to those other

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Speaker 1: areas that actually are a priority need to be addressed

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Speaker 1: as quickly as possible. Also, understanding your why is key,

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Speaker 1: and I feel like so many people don't do this

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Speaker 1: properly or invest enough time exploring and understanding their own

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Speaker 1: unique why. Your why is your emotional anchor that keeps

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Speaker 1: you grounded and motivated and helps you push through on

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Speaker 1: those tough, challenging days. For me my wife, a building

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Speaker 1: an emergency fund is about knowing that in the event

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Speaker 1: of an emergency, we're not going to ever be relying

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Speaker 1: on a credit card or having to redraw out of

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Speaker 1: our home loan, and that our financial beeing is never

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Speaker 1: going to be compromised or damaged. I know that we're

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Speaker 1: not going to have it to take a massive step

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Speaker 1: back with our goals.

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Speaker 2: And I know that even if we do have.

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Speaker 1: To use money for emergency money, which the record is

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Speaker 1: in a redraw facility, we can actually bounce back pretty

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Speaker 1: quickly with minimal damage. That is, dust ourselves off, pick

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Speaker 1: ourselves up and get back on it again. And having

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Speaker 1: emergency money it helps me sleep well at night. It

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Speaker 1: gives me a peace of mind and helps ensure that

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Speaker 1: I'm actually putting my family's security as a priority, which

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Speaker 1: makes me feel like a responsible parent and a loving,

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Speaker 1: kind parent as well. So knowing this about my wife

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Speaker 1: helps me stay committed to rebuilding that financial float again

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Speaker 1: as quickly as possible and rebuilding our emergency money and

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Speaker 1: seeing it at the level that I would like to

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Speaker 1: see it. And this is really important, as I said,

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Speaker 1: because when you understand your why, it helps when times

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Speaker 1: get challenging, which is always inevitable at certain points of

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Speaker 1: our lives.

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Speaker 2: I should also share with you.

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Speaker 1: And point out awareness also inspires confidence. You see, documenting

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Speaker 1: your financial situation is like setting a starting line on

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Speaker 1: a map without being able to see where you're starting

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Speaker 1: from on that map and drawing that line, you don't

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Speaker 1: have a clarity.

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Speaker 2: You can't actually.

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Speaker 1: Measure or see or feel any progress along the way,

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Speaker 1: no matter how hard you're working. And with that, then

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Speaker 1: how do you know whether you can celebrate any wins?

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Speaker 1: How do you know to give yourself permission or to

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Speaker 1: actually realize how far you've come.

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Speaker 2: It's just a no brainer.

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Speaker 1: You've got to have that awareness to help fuel your

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Speaker 1: confidence and faith within yourself.

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Speaker 2: As Peter Drucker wisely said, what.

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Speaker 1: Gets measured gets managed, or as I like to sort

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Speaker 1: of tweak as what gets measured gets made. So by

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Speaker 1: taking the time to do a financial stock take measure

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Speaker 1: your current financial state, you are going to create a

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Speaker 1: very powerful tool within yourself and obviously physically to compare

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Speaker 1: against as a tool to track and motivate your transformation,

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Speaker 1: as you can actually see from a dollar point of view,

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Speaker 1: how you are progressing, what is we're working, and what

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Speaker 1: areas you are excelling at Step two goal setting flowing

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Speaker 1: responsibly with fun. As previously mentioned in some other episodes

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Speaker 1: and on my Instagram account at Sugar Mama TV, I

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Speaker 1: don't really look at balance anymore when it comes to

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Speaker 1: money and goals. Instead, I look at it like a

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Speaker 1: piece of beautiful music flowing from the chorus, you know,

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Speaker 1: the various different instruments and obviously being dominant certain points

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Speaker 1: in the song, the.

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Speaker 2: Beat, the rhythm.

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Speaker 1: Now, when you come back to the concept of balance,

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Speaker 1: it implies that if you have more of one thing,

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Speaker 1: you have to then have less of another, and that

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Speaker 1: doesn't really sit well with me. I'm someone who comes,

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Speaker 1: I guess, from an abundant mindset and this concept was

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Speaker 1: actually created by awarenesses excuse the poem was actually created

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Speaker 1: by Jeff Bezos where he talked about balance being a

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Speaker 1: trap and really it's about the flow, and he talks

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Speaker 1: about a circle and the fluidity. So for me, with

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Speaker 1: my goals, I try and ensure that I have a

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Speaker 1: fluid mix of responsible goals as well as really fun goals.

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Speaker 1: But at the same time, I know that I'm going

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Speaker 1: to need to keep my energy and my focus moving

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Speaker 1: in a fluid way, balancing between all the different goals

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Speaker 1: a lot like a piece of music. When all those

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Speaker 1: different elements come together, it makes a beautiful song for

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Speaker 1: us to enjoy. It is the same with setting goals.

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Speaker 1: Just because you set one big goal doesn't mean you

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Speaker 1: can't set other goals as well. And of course it

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Speaker 1: is so natural to gravitate towards.

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Speaker 2: Those exciting goals.

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Speaker 1: Who doesn't want to save for a holiday, who doesn't

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Speaker 1: want to save up a deposit, who doesn't want to

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Speaker 1: start getting investing in shares? But the reality is, by

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Speaker 1: just focusing on the fun things that you want to

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Speaker 1: launch in, you jeopardize or potentially risk compromising what's going

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Speaker 1: to actually serve your financial wellbeing.

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Speaker 2: So this is where we need to consider those.

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Speaker 1: Responsible goals such as a credit card debt or paying

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Speaker 1: off by now pay later, or maybe you've got some

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Speaker 1: hex debt, the things that you need to address as

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Speaker 1: a priority. Another classic example is not building up emergency

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Speaker 1: money before you start investing. So allow yourself to enjoy

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Speaker 1: focusing on the fun goals, but also make sure you

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Speaker 1: leave a critical space for those responsible goals, because you

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Speaker 1: never want to jeopardize your financial wellbeing. And just like

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Speaker 1: all the different instruments, sounds, lyrics, and tunes all come

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Speaker 1: together to make a beautiful piece of music, learn to

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Speaker 1: blend all your different goals between having responsible goals and

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Speaker 1: obviously really fun goals so that you have a true

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Speaker 1: holistic financial progress for yourself in twenty twenty five, now

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Speaker 1: to share with you some of my goals because I

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Speaker 1: want to show you how I have found a way

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Speaker 1: to have that fluidity between fun and responsible goals. So

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Speaker 1: let me share these with you right now, all right.

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Speaker 1: Number one, this is a fun goal. It's a family holiday.

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Speaker 1: I really want to take my kids skiing to Queenstown,

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Speaker 1: New Zealand this year. I grew up skiing. It's something

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Speaker 1: I absolutely love and I would really love for my

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Speaker 1: kids to have a really good opportunity to learn how

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Speaker 1: to ski. So this is one of our fun goals. Now,

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Speaker 1: one of our responsible goals, as you probably wear it,

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Speaker 1: is to rebuild our financial float after Christmas and of

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Speaker 1: course replenish our emergency money. So that is a responsible goal.

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Speaker 1: My third goal is actually a fun goal, that is

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Speaker 1: to try and renovate our kitchen. Our house has had

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Speaker 1: a lot of serious water damage, and the kitchen, even

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Speaker 1: though it may not look like on social media, it's

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Speaker 1: literally falling apart, like doors are falling apart, so many

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Speaker 1: of the appliants is are falling apart.

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Speaker 2: It's a bit of a nightmare.

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Speaker 1: So that is one of our fun goals is to

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Speaker 1: try and renovate the kitchen this year. My fourth goal,

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Speaker 1: which is I would say is a bit of a balance.

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Speaker 1: I know it's the wrong word to use here when

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Speaker 1: I've said I don't really believe in mounts, but it's

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Speaker 1: a fluid flow between fun and responsible goals, and that

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Speaker 1: is to try and invest one hundred thousand dollars into

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Speaker 1: my share portfolio for the thousand dollar project. Yes, it's

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Speaker 1: fun because I love investing, it's my passion. But also

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Speaker 1: it's a financially responsible goal because obviously I'm adding to

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Speaker 1: my passive income stream goals. And then my fifth goal,

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Speaker 1: which is a responsible goal but when I feel proud

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Speaker 1: about having, and that is to try and reduce our

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Speaker 1: mortgage to a specific level. So you can see that

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Speaker 1: these goals have that element of fluidity between being responsible

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Speaker 1: but also being fun. These goals are also written down,

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Speaker 1: and they're written down in multiple places. So they're written

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Speaker 1: down on a piece of paper on my bedside table

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Speaker 1: so I can read them every morning and night. I've

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Speaker 1: also saved them on my notes in my phone, and

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Speaker 1: I've also added them to my vision board, which is

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Speaker 1: something I highly recommend as part of my Sugar Mama

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Speaker 1: Money Mindset manifestation program. The vision board is actually really

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Speaker 1: quite magical, and that's actually set as my wallpaper on

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Speaker 1: my phone. So seeing these goals fun and responsible ones

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Speaker 1: on a daily basis really does help keep me inspired

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Speaker 1: and focused, and it helps stop or crush any distractions

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Speaker 1: or temptations that naturally come my way living day to

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Speaker 1: day in a busy life. So this natural fluidity between

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Speaker 1: having responsible goals and fun goals helps ensure that I

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Speaker 1: stay motivated while securing my financial future. I'm feeling that

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Speaker 1: I'm allowing a sense of creativity, joy, fun and even

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Speaker 1: if you want a sense of materialistic pleasure from renovating

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Speaker 1: a kitchen, for example, with the wise and sensible, responsible

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Speaker 1: goals of investing and trying to pay a far mortgage sooner,

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Speaker 1: so you can see by setting your goals, writing them down,

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Speaker 1: having them connected and related to your financial stock take

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Speaker 1: is an element of fluidity as well. Step three, own it.

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Speaker 1: You are what you do, not what you say you'll do.

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Speaker 2: You know those people.

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Speaker 1: Who all talk, no action, How frustrating are they? Uh?

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Speaker 1: I'm probably the opposite, and this does get me into

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Speaker 1: trouble sometimes because I'm a no talk, all action type

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Speaker 1: of person. Where Tom will I'll do something quite bold

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Speaker 1: and Tom will go do you want to tell me

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Speaker 1: you're going to do that? And I'll be like, oh, sorry,

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Speaker 1: I just got so excited. I just had to get

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Speaker 1: it done. I had to do it, I had to begin.

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Speaker 1: So to help achieve my goals that I've just shared

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Speaker 1: with you, I really do own them. I hit the

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Speaker 1: ground running and I ask myself this one valuable question. Well,

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Speaker 1: I ask myself a couple of valuable questions with this

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Speaker 1: one I really love because it's about owning it and

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Speaker 1: ownership within yourself. So I ask myself, who do I

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Speaker 1: need to become to achieve these goals? And I write

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Speaker 1: down a list of the characteristics needed. So, for example,

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Speaker 1: I know that I need to be focused, I need

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Speaker 1: to be disciplined, and I need to be organized in

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Speaker 1: order to be able.

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Speaker 2: To achieve these goals.

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Speaker 1: So this really allows me to step into the identity

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Speaker 1: of someone who achieves these goals. I then ask myself

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Speaker 1: what do I need to do to achieve these goals? Now,

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Speaker 1: embodying these traits really does transform you. It's not about

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Speaker 1: just checking tasks off a list. It's about becoming the

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Speaker 1: person who naturally and effortlessly accomplishes them with grace. And

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Speaker 1: this is the type of personal growth where the magic

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Speaker 1: really happens and you don't just transform financially, you transform

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Speaker 1: personally and spiritually even as well. So by owning my goals,

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Speaker 1: I tell myself, I'm focused on disciplined about rebuilding our

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Speaker 1: financial float and making some extra mortgage repayments. I will

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Speaker 1: say this out loud to myself in front of mirror.

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Speaker 1: I will say this out loud to Tom. I will

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Speaker 1: say this out loud when I'm going for a walk

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Speaker 1: with one of my close friends, you know, to the beach.

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Speaker 1: Sometimes I'll even like scribble or journalists as like an

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Speaker 1: affirmation and what it does it is it helps build habits.

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Speaker 1: Habits are aligned to these goals that really do kind

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Speaker 1: of organically come out without me having to think too hard.

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Speaker 1: I'll find myself, for example, naturally reviewing our family budget

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Speaker 1: with Tom, or I'll find myself scheduling time into my

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Speaker 1: calendar to do some more additional research on how to

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Speaker 1: renovate our kitchen in a cost effective way, you know,

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Speaker 1: after the kids have gone to bed. And science shows

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Speaker 1: that affirmations and identity shifts reinforce neutral pathways, making success

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Speaker 1: feel inevitable, like of course you're going to do it.

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Speaker 1: Sharing goals publicly also creates accountability, while those small daily

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Speaker 1: habits compound into massive results. Step four Deadlines. A goal

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Speaker 1: is just a dream with a deadline. So deadlines give

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Speaker 1: goals structure and urgency. Once you've set a date, the

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Speaker 1: clock is ticking, and it is ticking, and if you're

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Speaker 1: not moving, you're wasting.

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Speaker 2: Time, my friend.

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Speaker 1: So without them, it's so easy to procrastinate or lose folks.

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Speaker 1: Of course temptation comes. You're a gonna, So you need

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Speaker 1: to have deadlines for your goals, deadlines and actual date

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Speaker 1: in the calendar. And when we do this properly, deadlines

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Speaker 1: trigger your brain to prioritize tasks and get up and

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Speaker 1: take action, pull your finger out. Knowing that there is

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Speaker 1: a timeline creates a sense of healthy pressure and urgency

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Speaker 1: that helps keep momentum alive. Now each of my goals

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Speaker 1: that I've just shared with you have a clear deadline.

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Speaker 1: Obviously I will remain flexible, and again coming back to

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Speaker 1: this concept of fluidity, so I know that I need

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Speaker 1: to adapt if my priorities shift. Nothing is set in stone,

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Speaker 1: but for example, if a kitchen appliances go on sale,

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Speaker 1: I understand that this is a great opportunity to save

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Speaker 1: some money and achieve that particular goal. I will then

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Speaker 1: prioritize that goal. But then once I've achieved that, I

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Speaker 1: will return to the others afterwards and give those extra

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Speaker 1: goals that I've maybe sent slightly neglected for a month

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Speaker 1: so much needed TLC to help catch up again. It's

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Speaker 1: that concept of fluidity, and this way it means that

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Speaker 1: I never feel like I'm actually being controlled or directed

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Speaker 1: by my goals. I never get frustrated by my goals

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Speaker 1: and feel trapped. I know that I can dance between

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Speaker 1: them as I need, as I see fit, and as

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Speaker 1: I'm working with an evolving situation around me. But the

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Speaker 1: point is, at the end of the day, each of

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Speaker 1: my goals have a deadline now before I launch in two.

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Speaker 1: Step five, which is the game plan figuring out how

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Speaker 1: we're going to achieve our goals. I'm just going to

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Speaker 1: break for a quick second for an ad All right,

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Speaker 1: welcome back. So step five game plan. Okay, success doesn't

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Speaker 1: come from what you do occasionally, but from what you

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Speaker 1: do consistently. Achieving financial goals requires going beyond the regular

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Speaker 1: cash flow requirements. I would love to know that I'm

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Speaker 1: going to pay off my mortgage just with my cash flow.

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Speaker 1: Uh uh, that's not possible. I don't earn enough to

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Speaker 1: wipe my mortgage out. Instead, I need to brainstorm. I

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Speaker 1: need to get creative. I need to think outside of

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Speaker 1: the squarest how I can generate some extra income or

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Speaker 1: some cash injections. So this is where you do a

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Speaker 1: game plan. You literally brainstorm as many different ideas as

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Speaker 1: possible to help you achieve your goals. Now, obviously there

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Speaker 1: can be things like side hustles, so taking on additional

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Speaker 1: projects at work, applying for another job, you know, part

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Speaker 1: time work, babysitting, dog walking. You also might want to

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Speaker 1: do a massive declutter and sell items like handbags, shoes.

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Speaker 1: I know, towards the end of twenty twenty four, I

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Speaker 1: saw my mobile phone and I got six hundred dollars cash,

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Speaker 1: which was brilliant. So you need to do a sort

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Speaker 1: of a hit list of ideas quick once off side

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Speaker 1: hustles that can help boost you on your goals, help

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Speaker 1: see that progress. You know, if I was to you know,

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Speaker 1: sell for example, a hambag and I made say seven

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Speaker 1: hundred dollars, that would go towards one of my goals,

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Speaker 1: and I would immediately put it towards because it's part

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Speaker 1: of my game plan. Again, by having this written down

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Speaker 1: and knowing that I'm going to sell my handbag and

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Speaker 1: I put that seven UND.

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Speaker 2: Dollars on the homeland or put it towards the trip

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Speaker 2: to New.

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Speaker 1: Zealand skiing, it's set in stone. I'm going to follow

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Speaker 1: that instruction. Whereasf I didn't write this down and I

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Speaker 1: sold my handbag with seven hunderd dollars, I could very

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Speaker 1: easily go and spend that on another handbag, and again

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Speaker 1: it would be a way. It would be detrimental to

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Speaker 1: my financial goals, and I would lose a sense of

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Speaker 1: pride and satisfaction. I'd feel a little bit ashamed, which

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Speaker 1: doesn't motivate me inspire me to keep going. So it's

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Speaker 1: so important to have a concrete game plan. And I

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Speaker 1: will say this Whilst I have lots of bursts and

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Speaker 1: spurts of ideas and injections of cash and quick side

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Speaker 1: hustles to bring up money, I also never forget the

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Speaker 1: value of small, consistent actions that also make a difference.

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Speaker 1: So I've shared this with another podcast, but I will

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Speaker 1: share it again. I actually try and do one simple

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Speaker 1: thing for each of my goals every single morning. So

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Speaker 1: every morning, when I reread my financial goals, I will

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Speaker 1: ask self, Okay, what can I do today to help

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Speaker 1: make this goal happen or happen faster? And it might

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Speaker 1: be something as really simple as transferring one day one

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Speaker 1: dollar sorry for my savings account onto our mortgage. This

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Speaker 1: may seem silly and is significant and insignificant, but over

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Speaker 1: a year, it adds up, and also it sends a

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Speaker 1: powerful message to the universe and to myself about how

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Speaker 1: serious I am about achieving these goals. Now, for you,

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Speaker 1: that simple small daily habit to improve your financial goals

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Speaker 1: might be updating your CV or reaching out to a

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Speaker 1: recruitment agent, or getting on the phone to the mortgage

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Speaker 1: broker to look out refinancing to save some money. Or

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Speaker 1: it might be opening up an online share trading account.

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Speaker 1: This small daily action and habit that is applied to

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Speaker 1: each of your goals doesn't necessarily need to be financial.

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Speaker 2: It doesn't need to be about money.

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Speaker 1: As I said, it could simply be an action. But

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Speaker 1: regardless of what it is, as long as you are

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Speaker 1: doing it daily and it is in positive alignment to

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Speaker 1: your goals. It is going to help build serious momentum

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Speaker 1: and help keep you emotionally connected to your goal, so

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Speaker 1: you have that sustainability to keep working throughout the year

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Speaker 1: of twenty twenty five. Step six rewards. All right, celebrate

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Speaker 1: what you've accomplished, but raise that bar just a little

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Speaker 1: higher each time you succeed. Small budget friendly rewards that

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Speaker 1: are delivered with instant gratification the moment you hit a

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Speaker 1: goal or achieve a certain milestone within that goal, help

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Speaker 1: keep you motivated, help keep those motivation levels actually running

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Speaker 1: really high. So, for example, when our financial float hits

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Speaker 1: a milestone doesn't need to be completely achieved, I might

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Speaker 1: reward myself with something like an early mark from work,

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Speaker 1: or getting takeaway for dinner, or treating myself to a

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Speaker 1: massage or a blow dry. The point is I have

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Speaker 1: many short term instant gratification rewards along the way, scattered

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Speaker 1: throughout the year, throughout the journey, and these immediate celebrations

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Speaker 1: create a really positive reinforcement, making the journey enjoyable and sustainable.

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Speaker 1: It's a little bit like and I'm going to completely

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Speaker 1: degrade myself and demean myself, But it's a bit like

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Speaker 1: teaching a dog a certain trick or to behave in

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Speaker 1: a certain way. We are told to focus on positive reinforcement.

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Speaker 1: So they do a wee outside on the grass, they

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Speaker 1: get a little treat and they know that if they

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Speaker 1: do that is a positive thing. So we're really and

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Speaker 1: it's the same obviously with children as well. So by

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Speaker 1: giving yourself small little financially friendly rewards, the moment you

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Speaker 1: achieve a particular goal is really valuable to help fuel

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Speaker 1: the sustainability throughout the year and keep you motivated and connected.

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Speaker 1: And finally, step seven review review regularly. Yes not perfection,

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Speaker 1: my friends. So if you've done the Sugar Mama Budget

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Speaker 1: and cash Flow Academy, you will know that I recommend

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Speaker 1: and I personally do this myself, reviewing your budget and

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Speaker 1: your cash flow through your transactions and checking your bank

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Speaker 1: balance twice a week. I actually do this every Monday

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Speaker 1: morning and again every Friday morning or Friday afternoon before

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Speaker 1: the weekend. It is game changing when it comes to

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Speaker 1: trying to stick to your budget because it really does

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Speaker 1: make you see the reality of your cash flow and

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Speaker 1: how much money you've got to spend. Anyway, if you're

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Speaker 1: interested in doing this particular budgeting program. I've linked in

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Speaker 1: the podcast notes for you for you to.

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Speaker 2: Go and access.

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Speaker 1: But as as I was saying, I review the budget

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Speaker 1: and our cash flow and our bank balance and our

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Speaker 1: transactions twice a week, and that then gives me the

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Speaker 1: perfect opportunity to then come back and reflect on my

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Speaker 1: goals at the same time. Now, by reviewing and reflecting

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Speaker 1: on a regular basis, this helps me celebrate those little wins,

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Speaker 1: but also and of course all of those small little

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Speaker 1: wins because they are just as important as the big wins.

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Speaker 1: But doing this also helps serve as a magnifying glass

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Speaker 1: and spot areas that need improving, So it allows me

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Speaker 1: to find new areas or opportunities that we can accelerate

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Speaker 1: on our goals. It can also help us proactively plan

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Speaker 1: for unexpected expenses that don't impact our goal progress. So

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00:24:19,280 --> 00:24:21,719
Speaker 1: when I look at everything as to how we're tracking,

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Speaker 1: and also how much time have we got left of

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Speaker 1: this year before we know it is going to be

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Speaker 1: Christmas twenty twenty five, we need to make sure that

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Speaker 1: we've used this time wisely. By looking and reviewing regularly

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00:24:34,480 --> 00:24:37,399
Speaker 1: helps us not waste time. It helps us budget and

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Speaker 1: allocate our time throughout the year. So that we're not

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Speaker 1: wasting these precious moments to get ahead, these opportunities to seize,

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Speaker 1: to capitalize, and to leapfrog with our goals. Also, by

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Speaker 1: doing this on rough days, reviewing your progress, reviewing your

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Speaker 1: goals reminds me that we're actually doing so much better

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Speaker 1: than we think, and that can really help reignite your

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Speaker 1: confidence and determinate. Interestingly, I had someone reach out to

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Speaker 1: me while doing the Sugar Mama ten Day Financial Reset

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00:25:05,800 --> 00:25:08,760
Speaker 1: Challenge and they actually said to me how they felt

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00:25:08,840 --> 00:25:11,439
Speaker 1: so much better about their financial situation in doing the

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Speaker 1: stock take because during the stock take, it served them

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00:25:14,840 --> 00:25:17,200
Speaker 1: as a review and they said they were actually doing

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Speaker 1: so much better than what they originally felt. And in turn,

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00:25:20,520 --> 00:25:24,440
Speaker 1: seeing this confidence and faith in themselves helped reinvigorate the

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Speaker 1: sense of motivation and determination to launch into the year ahead.

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Speaker 1: Another really simple way to think about reviews and the

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Speaker 1: importance of reviews is when you're on a diet. When

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00:25:34,400 --> 00:25:35,879
Speaker 1: you're on a diet, how do you know if this

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00:25:35,960 --> 00:25:38,080
Speaker 1: diet is actually working for you? Well, you jump on

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00:25:38,119 --> 00:25:39,960
Speaker 1: the scales. You have a look at what the scales

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00:25:40,000 --> 00:25:42,000
Speaker 1: are telling you. You have a look at what your clothes,

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00:25:42,040 --> 00:25:44,520
Speaker 1: you pay you pay attention to what your clothes feel like.

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Speaker 1: This is exactly the same principle when it comes to

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Speaker 1: your financial goals. Reviewing this will also allow you to

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Speaker 1: see what is really helping and make a big difference

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Speaker 1: in your financial journey, because then you can see that

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00:25:56,720 --> 00:25:59,080
Speaker 1: and hone in on that and hopefully amplify that for

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Speaker 1: even greater success.

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Speaker 2: So never skip on the.

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Speaker 1: Review, progress, review, reflect, and do this regularly and again.

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Speaker 1: Make it a part of your habit system so you

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00:26:11,280 --> 00:26:14,480
Speaker 1: don't think about it, you just do it. So there

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00:26:14,520 --> 00:26:17,840
Speaker 1: you have it, my seven steps to not just set goals,

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Speaker 1: but to achieve your goals with a sense of fun

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Speaker 1: and responsibility. So as we wrap up today's episode, I

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Speaker 1: want you to do something that your future self will

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00:26:27,240 --> 00:26:30,760
Speaker 1: thank you for. Setting financial goals is not just about numbers.

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Speaker 1: It's about creating a life of freedom and purpose and

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00:26:33,560 --> 00:26:37,199
Speaker 1: enjoying the journey, the growth, and the personal transformation that

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00:26:37,280 --> 00:26:40,879
Speaker 1: happens within you. By doing this proberly, you'll be blown

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00:26:40,920 --> 00:26:43,600
Speaker 1: away by how much you evolve and change and how

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00:26:43,640 --> 00:26:47,240
Speaker 1: you really raise your vibration levels. So hopefully by following

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Speaker 1: these steps that I recommend that I personally follow myself

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00:26:50,200 --> 00:26:53,120
Speaker 1: and always have you can help make twenty twenty five

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Speaker 1: your best financial year yet. I know I believe in you.

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Speaker 1: I know that you've got this. We just need to start.

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00:27:00,040 --> 00:27:02,800
Speaker 1: So now it's your turn. Take fifteen minutes today, right

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00:27:02,840 --> 00:27:05,120
Speaker 1: now to do a financial stock take of your own.

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Speaker 1: If you didn't do this for the ten day Sugar

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00:27:07,000 --> 00:27:09,760
Speaker 1: Mama financial Reset, and why don't you have a go

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00:27:09,760 --> 00:27:12,600
Speaker 1: at just choosing one simple financial goal to focus on

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00:27:12,880 --> 00:27:16,800
Speaker 1: for this month. It might be something like paying off

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00:27:16,800 --> 00:27:20,280
Speaker 1: your credit card or building your own financial float, or

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00:27:20,320 --> 00:27:22,920
Speaker 1: perhaps they'd be enrolling in one of my programs and courses.

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00:27:23,520 --> 00:27:24,680
Speaker 2: Let me know what your.

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00:27:24,520 --> 00:27:27,240
Speaker 1: One simple financial goal is for this month. I would

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00:27:27,280 --> 00:27:31,119
Speaker 1: absolutely love to hear from you, and together, hopefully we

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00:27:31,160 --> 00:27:35,400
Speaker 1: can keep making this progress amazing with this being your

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00:27:35,480 --> 00:27:39,840
Speaker 1: year to shine bright financially. Thank you everyone for listening

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00:27:39,880 --> 00:27:42,840
Speaker 1: to Sugar Mama's five playing. If you found this episode helpful,

509
00:27:42,920 --> 00:27:45,480
Speaker 1: please share it with a friend, with a family member,

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00:27:45,800 --> 00:27:47,359
Speaker 1: and that's spread the motivation.

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00:27:48,040 --> 00:27:51,240
Speaker 2: In the meantime. Here's to a financially empowered twenty and

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Speaker 2: twenty five.

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Speaker 1: All right, everyone, thank.

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Speaker 2: You for listening.

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Speaker 1: In the meantime, keep that financial fire burning bright within.

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Speaker 1: This is Sugar Mamas by play Chaffanette