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Speaker 1: Let's build your own financial game plan for two thousand

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Speaker 1: and twenty five. Let me share with you all my

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Speaker 1: secrets to success to help make sure that we give

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Speaker 1: our financial goals and dreams the biggest and best opportunity

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Speaker 1: to thrive. Welcome back to Sugar Mama's Fireplay, the podcast

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Speaker 1: where we ignite your path to financial independence and hopefully

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Speaker 1: an early retirement. I am your host financial planner, Canna Campbell,

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Speaker 1: and a couple of weeks ago, I shared with you

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Speaker 1: my financial goals for twenty twenty five, and then in

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Speaker 1: a subsequent episode, I shared with you how I was

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Speaker 1: actually going to make sure that my financial goals happen

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Speaker 1: to the best of my ability. So in today's episode,

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Speaker 1: I want to actually turn the focus on you. So

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Speaker 1: today's episode is really about helping you create your own

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Speaker 1: financial game plan for twenty twenty five, so that together

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Speaker 1: we can strategically and realistically help you achieve all of

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Speaker 1: those financial goals and dreams for the year and end

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Speaker 1: twenty twenty five on a proud, fulfilled note and even

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Speaker 1: feel incredibly excited about the further growth and success that

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Speaker 1: might be waiting for you for twenty twenty six, especially

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Speaker 1: as you've been able to achieve so much and learn

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Speaker 1: so much from this year. Now, as you know, all

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Speaker 1: of my content with a podcast, something on TikTok or

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Speaker 1: Instagram or YouTube, it's always general in nature and for

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Speaker 1: educational purposes. But by the end of today's episode you'll

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Speaker 1: have a step by step blueprint or roadmap even to

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Speaker 1: help you achieve your financial goals, break them down into

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Speaker 1: bite size, actionable steps, and even put some of them,

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Speaker 1: if you like, on autopilot, so that twenty and twenty

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Speaker 1: five just creates success financially. Organically, it feels effortless and

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Speaker 1: most of all efficient, So grab a notebook and depend

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Speaker 1: and if you like, you can even go and download

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Speaker 1: my free twenty twenty five financial game Plan calendar to

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Speaker 1: help you apply all of these secrets, hacks, tips and

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Speaker 1: tricks in today's episode. So let's get started, all right.

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Speaker 1: Step one is to define your financial goals with precision

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Speaker 1: before we do anything. We need to get crystal clear

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Speaker 1: on your financial goals. Not just these vague goals and

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Speaker 1: ideas and dreams like save more money or pay off debt.

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Speaker 1: We need specific, exciting and even slightly scary goals, but

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Speaker 1: with lots of detail. In fact fine detail. And also

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Speaker 1: these goals should make you feel exhilarated, but also push

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Speaker 1: you and stretch you out of your comfort zone. Think

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Speaker 1: of it like this. If you woke up on the

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Speaker 1: first December twenty twenty five, what financial achievements would make

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Speaker 1: you feel proud and powerful? Write down the first things

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Speaker 1: that come to mind, and keep adding to that list. So,

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Speaker 1: for example, you might think, well, I would have built

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Speaker 1: up my emergency savings and have ten thousand dollars, say

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Speaker 1: by the first of March. Or i would have paid

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Speaker 1: off all my credit card debt finally by the thirtieth

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Speaker 1: of June. Or I'm investing five hundred dollars per month

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Speaker 1: into my portfolio and I've actually steadily increased it to

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Speaker 1: seven hundred and fifty dollars per month by September the fifteenth.

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Speaker 1: Or I've started one hundred dollar per month salary sacrificing plan.

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Speaker 1: Or I've paid off the final eight thousand dollars off

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Speaker 1: my hex debt by the fifteenth of October. Notice how

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Speaker 1: these goals have a lot more detail than these previous

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Speaker 1: payoff debt save more money ones. They now have exact

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Speaker 1: dollar amounts, and they also have exact deadlines, and they

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Speaker 1: also have direction. The money knows exactly where to or

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Speaker 1: land in a particular savings account, investment portfolio, superinnuation account,

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Speaker 1: HEXTEBT or credit card, and everything feels so much more

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Speaker 1: intentional and with a clear sense of direction and instruction.

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Speaker 1: And also everything's written down. And it's not only just

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Speaker 1: written down, it's written down and this is a really

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Speaker 1: important thing to grasp heer. It's written down in the

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Speaker 1: present or past tense. Now, the reason I recommend doing this,

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Speaker 1: that is writing in the present or past tense, is

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Speaker 1: it helps you feel more accountable. It triggers immediate action

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Speaker 1: and stops those silly pipeline dreams when we say or

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Speaker 1: when we say or think I will or one day

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Speaker 1: I'm going to, or I would really like to, which

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Speaker 1: just basically drags the chain. It's like dangling a carrot.

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Speaker 1: We never actually really pull a finger out and create

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Speaker 1: that immediate action that is required for our goals. So

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Speaker 1: whin do your goals? Write them as I am paying

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Speaker 1: off my credit card, I am building my emergency money,

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Speaker 1: I am investing not this, I am going to, I will,

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Speaker 1: I plan to, I want to. My goal is to

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Speaker 1: make it in the present tests or even better in

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Speaker 1: the past tests. I've started investing five hundred dollars per month.

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Speaker 1: I have started putting one hundred dollars per week into

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Speaker 1: my emergency savings account. Again, remember you need the landing destination,

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Speaker 1: the account, the superreineruation account, the investment portfolio, the credit

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Speaker 1: card debt, the HEXTEP whatever it may be, the amount,

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Speaker 1: and of course the deadline, the exact deadline to the day.

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Speaker 1: Now for bonus points, you can add your y in

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Speaker 1: and your next goal in to your existing goal. For example,

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Speaker 1: I will have my emergency money of ten thousand dollars

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Speaker 1: in my xyz bank account so that I can start

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Speaker 1: building my share portfolio, which is the start of earning

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Speaker 1: passive income for financial freedom for myself and is going

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Speaker 1: to help alleviate so much stress in my life. See

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Speaker 1: how with that one simple goal of saving ten thousand

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Speaker 1: dollars for emergency money has so much more depth and

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Speaker 1: gravity to it. We have added like a bit of

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Speaker 1: magical powder to that goal because we have explained in

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Speaker 1: that goal what is the reason why, and of course

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Speaker 1: the benefits from those goals alleviating the stress in your life,

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Speaker 1: building up passive income, feeling that sense of financial freedom

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Speaker 1: and independence. So we have included to recap the exact

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Speaker 1: amount the deadline. We've written it in the past or

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Speaker 1: present tense. We've included our why, and we have sprinkled

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Speaker 1: a little bit of I guess motivation even to put

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Speaker 1: in the next goal, so you can start to see

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Speaker 1: the flowing connection between financial goal to financial goal. Now,

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Speaker 1: the moment you've gotten clear about your goals and you

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Speaker 1: feel pumped start working on them, I recommend putting them

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Speaker 1: down in order of priority, ideally if possible, from small

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Speaker 1: to life. Just for example, goal number one would beat

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Speaker 1: it clear off the toxic credit card debt. For example,

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Speaker 1: if you have that, the next goal would be to

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Speaker 1: build up your emergency savings. The next goal would be

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Speaker 1: to start investing. The next goal would be to save

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Speaker 1: up for a home or renovation or you know, an

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Speaker 1: elaborate holiday. Now, there are a couple of reasons why

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Speaker 1: I recommend having it in this order of priority, ideally

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Speaker 1: from the smallest to the last. So the first reason

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Speaker 1: is by setting small and achievable goals at the top

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Speaker 1: of your list, you feel so much more confident to

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Speaker 1: actually start working on those goals. You actually feel empowered

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Speaker 1: to get started because they're not ones that you can

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Speaker 1: really procrastinate. They're achievable. You'll do them. It's like you know,

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Speaker 1: when you do your list of things to do in

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Speaker 1: the morning, we always tend to gravitate towards those quick, easy,

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Speaker 1: simple ones. First, that is perfectly fine. The second reason

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Speaker 1: why I recommend you do this is it allows you

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Speaker 1: to quickly tick off the first goal off your list,

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Speaker 1: because you're starting to build that important momentum to build

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Speaker 1: upon for further success. And then the third reason why

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Speaker 1: I recommend this list of priorities and ideally smallest to largest,

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Speaker 1: is that by completing the first one or even the

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Speaker 1: second two goals quickly, you can then have less distractions

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Speaker 1: and even more resources to then channel and focus that

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Speaker 1: time and money to sink your teeth into the bigger

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Speaker 1: goals of yours. So, going back to that example, clearing off,

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Speaker 1: say the three or four thousand dollars of the credit

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Speaker 1: card debt, we can quickly focus and hone in on that.

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Speaker 1: Then that money that we were using to pay off

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Speaker 1: that credit card debt, we can then use to channel

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Speaker 1: towards building up the emergency money savings. And then moths.

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Speaker 1: We've done that. All those tactics and strategies that we

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Speaker 1: were using to clear the debt and build the savings

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Speaker 1: can now be completely channeled into investing and planning for

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Speaker 1: saving up for a home or what are the other

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Speaker 1: big goals left on that list. It builds up momentum.

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Speaker 1: It's like a trickling effect, and more goals you can

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Speaker 1: tick off your list, the more trickles you can then

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Speaker 1: use for those bigger goals. So you get to really

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Speaker 1: sink your teeth into the bigger goals with so much

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Speaker 1: more efficiency. Now I'll talk about this and be in

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Speaker 1: a bit more detail further into this episode, but this

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Speaker 1: is one of the most powerful techniques I have used

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Speaker 1: myself personally for many, many years. So let me know

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Speaker 1: how you go with writing your goals in this way.

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Speaker 1: Perhaps you've done it similarly, or perhaps you've done it

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Speaker 1: completely differently. But if you have a go at applying

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Speaker 1: these principles, I'd love to hear feedback from you as

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Speaker 1: to how you now feel in writing your goals in

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Speaker 1: this particular manner. All right. Step two, create a bird's

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Speaker 1: eye view of your financial calendar year. This is my

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Speaker 1: biggest hack here and I'm really excited to be able

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Speaker 1: to share this with you. So what I recommend you

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Speaker 1: do is take a twelve month calendar. You can print

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Speaker 1: one or use a calendar I like to use Canber

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Speaker 1: and you start to map out your goals month by month,

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Speaker 1: or for the bigger goals, perhaps quarter by quarter. So

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Speaker 1: for example, when I shared my goals for twenty twenty five,

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Speaker 1: one of them was to build up our emergency savings,

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Speaker 1: and then the other one was to go on holiday

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Speaker 1: quickly to New Zealand skiing, then to focus on renovating

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Speaker 1: our home, and then the last one was to invest

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Speaker 1: one hundred thousand dollars into shares. So I've written in

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Speaker 1: that order from smallest to the largest, and obviously in

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Speaker 1: a list of priorities. So what I have then done

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Speaker 1: is actually put those those goals to focus on throughout

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Speaker 1: the year. I've color coded it, so from January to

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Speaker 1: March it's purely about building up emergency money. Then from

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Speaker 1: April he's focusing on making sure we have our holiday

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Speaker 1: completely paid for before we go on and we've got

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Speaker 1: spending money, lift passes, accommodation, everything is sorted. Then for

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Speaker 1: the period of May to August, it's pretty much focused

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Speaker 1: purely on renovation savings, and yes there will be some

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Speaker 1: flexibility with this, but again I'll come to that sort

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Speaker 1: of being open and making tweaks and changes as needed.

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Speaker 1: And then pretty much from September through the end of November,

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Speaker 1: he's focusing on their debt reduction strategy and of course

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Speaker 1: the investing, so I'll be using a debt recycling strategy.

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Speaker 1: So what I've essentially done is color coordinated my year,

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Speaker 1: so I know what is the key topic, the key

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Speaker 1: focus for that particular block of time. So for yourself,

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Speaker 1: you may want to focus on paying off the toxic

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Speaker 1: debt between now and say much. Then for me to

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Speaker 1: June you want to focus on building up emergency savings.

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Speaker 1: My key point here is that you are intentionally blocking

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Speaker 1: out periods of twenty twenty five so that you can

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Speaker 1: have almost like a power session and really focus exclusively

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Speaker 1: on one goal at a time. And by setting like

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Speaker 1: dedicated periods of time allowed before you start actually beginning this,

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Speaker 1: you can also ration out your resources so much more

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Speaker 1: intentionally and mindfully and get a greater sense of the

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Speaker 1: year ahead and really what has to be achieved and

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Speaker 1: what is really involved. By you to help make these

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Speaker 1: things happen. It really does give you this bird's eye perspective.

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Speaker 1: Is all the wonderful things you are serious about achieving

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Speaker 1: and doing and growing into even and how you're going

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Speaker 1: to ration your time and your resources out to give

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Speaker 1: it the best opportunity to succeed. And for me, the

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Speaker 1: biggest thing is the biggest benefit for this is and

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Speaker 1: why I love this particular approach is it stops me

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Speaker 1: from trying to achieve every thing all at once and

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Speaker 1: then getting completely overwhelmed with pretty much little or no

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Speaker 1: real progress. So it allows me to really just focus.

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Speaker 1: And you need to remember that while you have a

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Speaker 1: key focus or even a block, you can at the

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Speaker 1: same time put some things on autopilot. So, yes, I

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Speaker 1: have cleared out you know, January through March is dedicated

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Speaker 1: purely to our emergency money. But at the same time

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Speaker 1: I do have small regular savings plans in place, for

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Speaker 1: example for our holiday savings account. So some things, or

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Speaker 1: whilst I do have a key focus, I can have

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Speaker 1: a few things in the background on autopilot. And these

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Speaker 1: include things like regular investing plans, extra mortgage repayments or

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Speaker 1: even soury sacrificing into superannuation if you want. And as

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Speaker 1: I mentioned, I make this really colorful. And now, as

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Speaker 1: I said, you can download a free template that I've

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Speaker 1: even if you like to build your own bird's eye

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Speaker 1: view of twenty twenty five for your financial game plan.

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Speaker 1: But using contrasting colors, for me, particularly someone who has

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Speaker 1: of see the different blocks very click clearly, I'm not

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Speaker 1: doing two different shades of green back to back. You

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Speaker 1: know you will see when you have a look at

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Speaker 1: this yourself the bright colors that give me that bird's

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Speaker 1: eye view and help me understand how I have to

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Speaker 1: stay on top of everything, but also really avoid getting

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Speaker 1: distracted and trying to achieve other goals at the same time,

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Speaker 1: which as I said, ends up being with not really

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Speaker 1: much progress to be proud about. Now, step number three

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Speaker 1: we need to reverse engineer you'll success. So once you've

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Speaker 1: mapped out your goals, you're excited. They scare you, but

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Speaker 1: you could see an inkling of it. You're actually achieving

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Speaker 1: these things brilliant. We now need to start looking at

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Speaker 1: the practical steps that go and you've got them plugged

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Speaker 1: into your calculator, so you're calculator, you've got them plugged

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Speaker 1: into your calendar, your color coordinated, and you're building this.

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Speaker 1: So now what we need to do is work backwards.

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Speaker 1: Work backwards in that we need to break the big

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Speaker 1: goals down, or even the little goal down, into smaller

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Speaker 1: actionable steps. For example, that goal to save ten thousand

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Speaker 1: dollars by the first of March, You've got to break

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Speaker 1: that down. What does that realistically look like between now

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Speaker 1: and that goal being achieved. So, for example, that might

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Speaker 1: be around about say three three hundred and thirty three

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Speaker 1: dollars per month that I'd have to save to an

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Speaker 1: order to hit that goal in that block, or perhaps

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Speaker 1: it's a smaller amount you know that I can more

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Speaker 1: achievable stretch over slightly bigger time. Just make sure you

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Speaker 1: are just your block so that your deadline is realistic,

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Speaker 1: but also you're not allowing a potential opportunity to become

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Speaker 1: lazy or complacent. Now, of course we can only save

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Speaker 1: so much. You know, for me to save a million

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Speaker 1: dollars is unrealistic because I don't know a million dollars,

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Speaker 1: and we have to live and pay taxes and all

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Speaker 1: those things. So this is where you would then again

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Speaker 1: go back and see what additional things you can do

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Speaker 1: to help increase the success for the achievement of that goal.

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Speaker 1: What expenses can you cut, what income can you increase?

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Speaker 1: Other things you can sell? Are there any automated payment

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Speaker 1: savings plans or reduction plans that you can put into place?

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Speaker 1: By actually working backwards, looking at the goal and going

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Speaker 1: what do I need to do to achieve that goal

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Speaker 1: in this time is essential? So for example, take that

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Speaker 1: number that you need to save, divide it up between

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Speaker 1: now and the date that you want to achieve it,

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Speaker 1: and that will then give you an idea as to

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Speaker 1: how much you need to be doing in small, mini,

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Speaker 1: bite sized goals to achieve that. If you look at

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Speaker 1: it and go, well, I still am going to be short,

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Speaker 1: I'm not going to achieve that goal. That is when

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Speaker 1: you look to booster your income, sell things, hustle all

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Speaker 1: those and things, and you really need to spend a

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Speaker 1: dedicated amount of time thinking about each goal individually and

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Speaker 1: how you can really help make that happen within the

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Speaker 1: calendar block. This is going to require some brainstorming. It's

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Speaker 1: not going to be an immediate ten minute job and

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Speaker 1: you go, Okay, I just need to do this, and

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Speaker 1: it's sure it might happen that way, but if your

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Speaker 1: goal really is a stretch or their goals that really

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Speaker 1: excites you, it's going to require some time of thinking

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Speaker 1: outside of the square, getting creative, and continuously adding ideas

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Speaker 1: to your list as they come up to help you

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Speaker 1: achieve that goal potentially sooner or over achieve that goal

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Speaker 1: where you end up saving twelve thousand dollars instead of

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Speaker 1: ten thousand dollars. And the big thing is with ideas,

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Speaker 1: you've got to jump on them other ways they expire,

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Speaker 1: jump on them, action them. And a great tip is

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Speaker 1: to actually write down these ideas, these light bulb moments

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Speaker 1: on your calendar so that when you look at your calendar,

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Speaker 1: not only can you see the colored block, you can

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Speaker 1: also see a list of ideas that you're going to

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Speaker 1: be working on to help make that goal happen within

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Speaker 1: that defined period of time. And you can also get

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Speaker 1: excited when you look at this calendar as the next

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Speaker 1: corresponding goal is to help build that momentum, and you

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Speaker 1: can channel some of those ideas that worked into the

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Speaker 1: next corresponding goal. And remember this, no idea that you

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Speaker 1: come up with is silly. In fact, some of the

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Speaker 1: weirdest ideas that I've ever come up with when it

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Speaker 1: comes to your hustling up some extra money, have been

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Speaker 1: the biggest and best strokes of genius. Okay, so let's

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Speaker 1: sound work on to step four. And that's actually doing

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Speaker 1: the inner work, even doing a little bit of inner

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Speaker 1: child work if you like. So when you look at

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Speaker 1: your financial game plan and you look at it through

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Speaker 1: a personal growth point of view, you can really transform

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Speaker 1: the personal growth with yourself and actually really see yourself

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Speaker 1: evolve into a wiser person, a more resilient person, and

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Speaker 1: also even a calmer person. So there are a couple

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Speaker 1: of key questions I recommend you ask yourself. The first

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Speaker 1: one is is who do I need to be to

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Speaker 1: achieve these goals? Do you need to be more disciplined?

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Speaker 1: Do you need to be more organized? Do you need

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Speaker 1: to be more proactive? What are the mind shifts that

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Speaker 1: you need to work on, strengthen and evolve in order

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Speaker 1: to be able to help yourself achieve those goals? And

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Speaker 1: that's the key word, help yourself achieve those goals. We

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Speaker 1: really need to cut that stupid, toxic, negative self talk

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Speaker 1: around money. We become what we think about. So you

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Speaker 1: need to learn how to feed yourself the positive attributes

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Speaker 1: that really actually do exist within you, and learn how

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Speaker 1: to turn up the volume with those. The next question

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Speaker 1: you need to ask yourself is how am I going

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Speaker 1: to actually track my progress? Am I going to do

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Speaker 1: a weekly check in? Am I going to do quarterly reviews?

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Speaker 1: I am going I use an app or a spreadsheet.

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Speaker 1: I'm going to find a mentor or a friend that

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Speaker 1: can help make me accountable. These are the things you

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Speaker 1: need to ask yourself, and of course, what are the

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Speaker 1: daily habits that will help success? Set me up for success?

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Speaker 1: I recommend you read your goals morning and night. I

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Speaker 1: recommend that you speak to yourself in a very positive

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Speaker 1: way about your future. Instead of saying I'm not good

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Speaker 1: with money, say I'm learning about money. I'm working on money,

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Speaker 1: I'm improving my financial situation day by day, and I

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Speaker 1: feel proud, I feel excited about what the future lies

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Speaker 1: ahead of me. The energy of those words are incredibly powerful,

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Speaker 1: and people will start taking you far more seriously. The

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Speaker 1: other thing I recommend is doing one small thing every

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Speaker 1: single day it might be just one dollars to that

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Speaker 1: savings account or one dollar towards your hextead. It seems silly,

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Speaker 1: but that habit system is incredibly powerful, and things like

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Speaker 1: habits like checking your budget through the Sugar Mamma Budget

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Speaker 1: and cash Flow Academy recommend you check your budget twice

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Speaker 1: a week. But you're not just checking your budget, You're

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Speaker 1: also checking your transactions and your cash flow. So these

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Speaker 1: small habits three hundred and sixty five days of the

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Speaker 1: year can be incredibly powerful and you can build upon them. Sure,

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Speaker 1: it might be one dollar being transferred to your HEXTEBT

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Speaker 1: or your savings, a calendary, your home loan, but tomorrow

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Speaker 1: it might be ten dollars. Again, these things really do

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Speaker 1: add up, and it sends a powerful message to yourself

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Speaker 1: in the universe about how serious you are about twenty

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Speaker 1: twenty five being your year to shine financially, and of course,

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Speaker 1: where you can automate good financial behaviors regular savings plans,

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Speaker 1: dividend reinvestment plans, automatic savings, automatic debt reduction, even speaking

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Speaker 1: to your employer about how you can potentially pay off

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Speaker 1: your hex debts sooner, salary sacrificing so all of these

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Speaker 1: small actions compounded can create massive results. And any of

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Speaker 1: those keywords that you come up with in asking yourself

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Speaker 1: about who need to be to achieve your goals, I

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Speaker 1: recommend adding them to this calendar template that I'm going

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Speaker 1: to give you because you can write down disciplined, early morning, riser, motivated, educated,

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Speaker 1: write those keywords to trigger you and remind you to

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Speaker 1: then have those real, true, authentic actions in your life. Again,

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Speaker 1: I've created a little section within this template so you

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Speaker 1: can use it for yourself, so you can really see

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Speaker 1: about the internal work, because that's going to help this

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Speaker 1: type of behavior and action happen organically when you feed

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Speaker 1: yourself the right magical ingredients as to who you really

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Speaker 1: are and allow that true essence of yourself shine for

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Speaker 1: your financial goals. Now on a quick note of the

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Speaker 1: whole deep dive of yourself. If you are looking for

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Speaker 1: a financial mentor you are looking for someone to help

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Speaker 1: keep you accountable, I run a program called the Sugar

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Speaker 1: Mama Money Mindset and Manifestation Program. This is where you

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Speaker 1: can have access to me, not for financial advice all,

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Speaker 1: but someone can help you talk to about your motivation levels,

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Speaker 1: can talk to you about your money mindset can help

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Speaker 1: you brainstorm ideas as to how to potentially hustle up

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Speaker 1: some extra money in your life. You essentially can lean

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Speaker 1: on me as support and it's a once off fee.

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Speaker 1: You have lifetime access to me. And of course you're

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Speaker 1: part of our group and we all share the goals

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Speaker 1: that we're working on, the things that we're doing with

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Speaker 1: our mindsets to strengthen and inspire each other, how we're

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Speaker 1: coping with setbacks and challenges which are naturally part of

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Speaker 1: the way, and what we are learning and growing and

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Speaker 1: discovering along the way. So I will link the details

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Speaker 1: in the podcast notes for you if you'd like to

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Speaker 1: have access to that, because that obviously then gives you

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Speaker 1: access to me. But a quick remind aid's not there

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Speaker 1: for financial advice. That is completely separate. Okay, So all right,

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Speaker 1: let's move on to the next step number five, and

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Speaker 1: that is sexy shortcuts to fast track your progress. All right,

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Speaker 1: So not all progress has to be hard. You can

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Speaker 1: actually have a lot of fun achieving your goals. You

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Speaker 1: can get creative with your approach, your mindset, and your strategies,

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Speaker 1: things like using reward points you know, to help pay

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Speaker 1: for those holidays that you want to go on. Most

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Speaker 1: of our trip to Queenstown skiing has been paid for points,

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Speaker 1: that is the flights. We also took taking the kids

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Speaker 1: out of school holidays which has saved us about thirty

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Speaker 1: percent off or accommodation. I'll go and prepay all of

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Speaker 1: our lift passes and ski lessons and book all of

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Speaker 1: our gear and look for some great package deals. So yes,

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Speaker 1: a holidays expensive, but I've found creative ways to help

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Speaker 1: really bring down the cost. So you get clever, be smart.

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Speaker 1: Also things like utilizing cash back programs like cash Awards

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Speaker 1: and shot Back that gave you money back and also

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Speaker 1: give you sometimes access to great discounts you can also

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Speaker 1: then you know, when it comes to things like home

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Speaker 1: loans and investment loans, is look to refinance around doesn't

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Speaker 1: cost you anything to refinance. The mortgage broker does everything

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Speaker 1: for you and you can often negotiate incredible terms where

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Speaker 1: you are saving tens of thousands of dollars in interest

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Speaker 1: and of course time you get back time because if

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Speaker 1: you apply those savings to your new orger repayments, you'll

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Speaker 1: see that home loan come down so much faster. And

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Speaker 1: it's not just homelands call up your gas company, asks

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Speaker 1: them for a discount. Energy company, call up foxtelp not

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00:22:58,400 --> 00:23:00,359
Speaker 1: unfortunately in the Netflix, that would be great if they'd

435
00:23:00,400 --> 00:23:03,160
Speaker 1: offer a discount, but there is. If you don't ask,

436
00:23:03,200 --> 00:23:06,320
Speaker 1: you don't get, And the squeakiest wheel always gets fixed first.

437
00:23:06,400 --> 00:23:09,440
Speaker 1: So don't be afraid to ask for a discount. Let

438
00:23:09,440 --> 00:23:11,680
Speaker 1: people know that you're shopping around, and then shop around

439
00:23:11,720 --> 00:23:14,200
Speaker 1: if you find a better deal. Loyalty tax is expensive.

440
00:23:14,320 --> 00:23:16,040
Speaker 1: You don't need to become victim of it. You don't

441
00:23:16,040 --> 00:23:18,040
Speaker 1: need to be ripped off. It's probably a better way

442
00:23:18,080 --> 00:23:21,479
Speaker 1: of saying this. Also in getting creative, look at things

443
00:23:21,560 --> 00:23:25,200
Speaker 1: you can declutter or sell. According to Gumtree, the average

444
00:23:25,200 --> 00:23:29,359
Speaker 1: Australian household has five thousand, two hundred worth of unused

445
00:23:29,760 --> 00:23:33,199
Speaker 1: items in their home, sitting there gathering dust. Do a

446
00:23:33,240 --> 00:23:35,720
Speaker 1: garrete celle, do a massive gum Tree listing or a

447
00:23:35,760 --> 00:23:39,000
Speaker 1: Facebook marketplace. Look to offload those things to make some

448
00:23:39,119 --> 00:23:41,640
Speaker 1: quick cash. But put those that cash that you make

449
00:23:42,400 --> 00:23:45,160
Speaker 1: immediately towards those goals. Otherworlds, you'll get tempted to spend

450
00:23:45,200 --> 00:23:49,320
Speaker 1: it on something else. That's where procrastination and distractions and

451
00:23:49,359 --> 00:23:51,800
Speaker 1: something you know, shiny, glossy and new pops up in

452
00:23:51,800 --> 00:23:53,159
Speaker 1: your life, you think, oh, I'll just use that to

453
00:23:53,200 --> 00:23:56,040
Speaker 1: pay for that. No, this is about making progress for

454
00:23:56,040 --> 00:23:59,639
Speaker 1: twenty twenty five, doing things very differently and really building

455
00:23:59,720 --> 00:24:02,080
Speaker 1: up your self, doing that inner work to actually see

456
00:24:02,320 --> 00:24:05,479
Speaker 1: and feel proud about what you're achieving for yourself. And

457
00:24:05,560 --> 00:24:07,640
Speaker 1: of course, if we're looking to earn some extra money,

458
00:24:07,680 --> 00:24:09,760
Speaker 1: and we really is limitless to how much extra money

459
00:24:09,760 --> 00:24:13,359
Speaker 1: we can create, look at selling your time or your skills.

460
00:24:13,760 --> 00:24:15,840
Speaker 1: Are you good with a photographer as with a camera,

461
00:24:15,840 --> 00:24:17,600
Speaker 1: Maybe you could do some mixture photography work. Are you

462
00:24:18,200 --> 00:24:21,600
Speaker 1: great at designing websites? Do you love dogs? And thinking,

463
00:24:21,600 --> 00:24:22,879
Speaker 1: you know what, I could do some dog walking, or

464
00:24:22,920 --> 00:24:25,720
Speaker 1: I can do some dog sitting or house sitting, perhaps

465
00:24:25,720 --> 00:24:28,800
Speaker 1: babysitting nannying work. You know these are some of these

466
00:24:28,800 --> 00:24:31,920
Speaker 1: things are cash in hand their quick immediate payment that

467
00:24:32,000 --> 00:24:34,199
Speaker 1: can be really helpful to help you save money and

468
00:24:34,240 --> 00:24:36,960
Speaker 1: achieve more with your financial goals and get things done

469
00:24:37,040 --> 00:24:38,879
Speaker 1: so much sooner. Things like you know, if one of

470
00:24:38,920 --> 00:24:41,800
Speaker 1: your goals is to start retiring and planning a retirement

471
00:24:41,920 --> 00:24:44,240
Speaker 1: sooner and you want to get more money to super

472
00:24:44,720 --> 00:24:47,600
Speaker 1: go and educate yourself, learn about the co contribution scheme,

473
00:24:47,920 --> 00:24:51,639
Speaker 1: learn about salary sacrificing, spouse contributions, all these things that

474
00:24:51,680 --> 00:24:54,360
Speaker 1: are out there available to to help you achieve your goal.

475
00:24:54,600 --> 00:24:58,120
Speaker 1: Educate yourself. If you need more savings, perhaps you need

476
00:24:58,160 --> 00:25:00,440
Speaker 1: to get more organized with your taxes and make sure

477
00:25:00,440 --> 00:25:02,240
Speaker 1: that you haven't left anything off the table when it

478
00:25:02,240 --> 00:25:06,040
Speaker 1: comes to your legal deductions and helping maximize any potential

479
00:25:06,119 --> 00:25:10,440
Speaker 1: possible tax refunds. If you need more money but you

480
00:25:10,480 --> 00:25:12,359
Speaker 1: want to earn more, maybe you need to speak to

481
00:25:12,359 --> 00:25:14,840
Speaker 1: your manager or your boss about a promotion, or now

482
00:25:14,880 --> 00:25:16,920
Speaker 1: you need to look at maybe just getting a new job,

483
00:25:17,080 --> 00:25:19,600
Speaker 1: changing jobs. We all know that that is when when

484
00:25:19,640 --> 00:25:22,520
Speaker 1: we change jobs, change companies. That is normally when we

485
00:25:22,560 --> 00:25:25,240
Speaker 1: get the biggest and best pay rises. Perhaps it's time

486
00:25:25,280 --> 00:25:27,680
Speaker 1: for you. No one really sticks around for fifteen to

487
00:25:27,760 --> 00:25:29,840
Speaker 1: twenty years anymore. And if you need to save more,

488
00:25:29,880 --> 00:25:32,280
Speaker 1: of course, go to your budget. Focus on what you

489
00:25:32,280 --> 00:25:35,200
Speaker 1: can cut down, what you can cut out. A great

490
00:25:35,240 --> 00:25:38,760
Speaker 1: example is this I did literally recently as I was

491
00:25:38,760 --> 00:25:40,320
Speaker 1: looking at our grocery bills because they were starting to

492
00:25:40,359 --> 00:25:42,840
Speaker 1: blow out again, and I was not impressed with myself.

493
00:25:42,920 --> 00:25:46,679
Speaker 1: So I returned back to my good old trusty HelloFresh

494
00:25:46,840 --> 00:25:48,879
Speaker 1: and it saves me so much time, it saves me

495
00:25:48,920 --> 00:25:51,320
Speaker 1: so much money. And I know for myself, I can't

496
00:25:51,320 --> 00:25:53,400
Speaker 1: walk into a supermarket and buy one thing, even though

497
00:25:53,400 --> 00:25:55,639
Speaker 1: I only need one thing. I walk through the aisles

498
00:25:55,680 --> 00:25:57,960
Speaker 1: as everyone else does. Oh that's on special. Oh we'll

499
00:25:58,000 --> 00:26:01,439
Speaker 1: grab that whilst I'm here, walk out the door, eleven, twelve, thirteen,

500
00:26:01,480 --> 00:26:04,560
Speaker 1: fourteen extra things. So by having think something like for me,

501
00:26:04,600 --> 00:26:06,520
Speaker 1: and this is not sponsored by HelloFresh at all, but

502
00:26:07,000 --> 00:26:08,679
Speaker 1: in me getting creative and looking at how we can

503
00:26:08,720 --> 00:26:10,240
Speaker 1: save money, the fact that I have something on my

504
00:26:10,320 --> 00:26:12,680
Speaker 1: doorstep means I don't go to the supermarket. I also

505
00:26:12,680 --> 00:26:15,480
Speaker 1: don't waste time going to the supermarket. I'm cooking a

506
00:26:15,520 --> 00:26:17,680
Speaker 1: meal within the house without literally not even need to

507
00:26:17,680 --> 00:26:20,920
Speaker 1: delete the front door. So all these little wins are

508
00:26:20,920 --> 00:26:24,680
Speaker 1: going to help accelerate your progress, and often there are

509
00:26:24,720 --> 00:26:26,680
Speaker 1: the nuggets of gold that can help you tick your

510
00:26:26,680 --> 00:26:29,679
Speaker 1: goals off in a really efficient way. In that dedicated

511
00:26:29,760 --> 00:26:32,640
Speaker 1: color block that I spoke about again, all these ideas.

512
00:26:32,680 --> 00:26:34,800
Speaker 1: Add them to your calendar notes so you know exactly

513
00:26:34,840 --> 00:26:37,679
Speaker 1: what you need to do and get done for that

514
00:26:37,800 --> 00:26:40,360
Speaker 1: goal for that block of time to watch that financial

515
00:26:40,400 --> 00:26:45,440
Speaker 1: goal flourish. All right, Step six, Build accountability and automate

516
00:26:45,480 --> 00:26:49,960
Speaker 1: for success. Find an accountability friend, a partner, or even

517
00:26:49,960 --> 00:26:55,200
Speaker 1: an online community and check in on a regular basis weekly, fortnightly, monthly.

518
00:26:55,640 --> 00:26:56,960
Speaker 1: And I said, if you want to work with me,

519
00:26:57,040 --> 00:27:00,640
Speaker 1: you can join my money Mindset manifestation program community where

520
00:27:00,640 --> 00:27:02,440
Speaker 1: we share all of our goals, and as I said,

521
00:27:02,680 --> 00:27:05,120
Speaker 1: you get that direct access to me to help work

522
00:27:05,160 --> 00:27:07,800
Speaker 1: on those goals. No financial advice, as I said, but

523
00:27:08,359 --> 00:27:10,879
Speaker 1: I will definitely help you with your motivation levels and

524
00:27:10,920 --> 00:27:14,320
Speaker 1: your money mindset and you can pick my brain. We

525
00:27:14,320 --> 00:27:17,040
Speaker 1: can talk about your goals, discover your why, and also

526
00:27:17,080 --> 00:27:19,119
Speaker 1: help clear any money blocks that you might have that

527
00:27:19,160 --> 00:27:23,880
Speaker 1: are lingering around now. When it comes to building accountability

528
00:27:23,920 --> 00:27:26,880
Speaker 1: and automating for success, as I said, automatic savings plans

529
00:27:26,920 --> 00:27:29,600
Speaker 1: and investment plans are great because they take away the

530
00:27:29,680 --> 00:27:32,960
Speaker 1: need to require and rely on willpower. But there is

531
00:27:33,119 --> 00:27:36,040
Speaker 1: a word of warning here. Please be careful. Automatic debt

532
00:27:36,080 --> 00:27:40,119
Speaker 1: repayment plans, savings plans, investing plans, stary sacrificing plans. Even

533
00:27:40,400 --> 00:27:44,160
Speaker 1: it can help maybe make you dangerously comfortable over time.

534
00:27:44,359 --> 00:27:46,800
Speaker 1: So whilst you may have automation like cooking in the

535
00:27:46,840 --> 00:27:49,920
Speaker 1: background for those bigger goals. Whilst you focus some power

536
00:27:49,960 --> 00:27:53,400
Speaker 1: through your immediate short term mini goals, please make sure

537
00:27:53,440 --> 00:27:55,680
Speaker 1: that the moment you tick any of those short term

538
00:27:55,720 --> 00:27:59,800
Speaker 1: goals off your list, that we reassess those savings plans,

539
00:28:00,040 --> 00:28:02,320
Speaker 1: debt repayment plans, or investing plans even so that you

540
00:28:02,359 --> 00:28:07,720
Speaker 1: can potentially increase your plans and create even greater success

541
00:28:07,760 --> 00:28:10,920
Speaker 1: and efficiency in your life. So, for example, you might

542
00:28:11,000 --> 00:28:14,160
Speaker 1: have a two hundred dollars per month regular investing plan

543
00:28:14,600 --> 00:28:16,679
Speaker 1: going on in the background because one of your bigger,

544
00:28:16,720 --> 00:28:19,800
Speaker 1: longer term goals is to build an investment portfolio. In

545
00:28:19,840 --> 00:28:22,240
Speaker 1: the meantime, you're focusing on paying off your credit card

546
00:28:22,320 --> 00:28:24,840
Speaker 1: debt on building up savings. What I'm trying to say

547
00:28:24,880 --> 00:28:27,560
Speaker 1: is the moment that credit card debt is paid off,

548
00:28:27,680 --> 00:28:32,080
Speaker 1: any resources that you have freed up, start looking at

549
00:28:32,080 --> 00:28:36,600
Speaker 1: whether you should potentially increase now your regular investing plan.

550
00:28:37,200 --> 00:28:38,680
Speaker 1: So you might think, you know what, I've just paid

551
00:28:38,680 --> 00:28:41,200
Speaker 1: off my credit card debt, great, I'm now working on

552
00:28:41,240 --> 00:28:46,160
Speaker 1: my emergency money. I'm going to maybe look to increase

553
00:28:46,200 --> 00:28:49,000
Speaker 1: my regular investment plan from two hundred dollars per month

554
00:28:49,000 --> 00:28:50,960
Speaker 1: and out of two hundred and fifty dollars per month,

555
00:28:51,480 --> 00:28:54,560
Speaker 1: make sure you're using your money intentionally, and never get

556
00:28:54,560 --> 00:28:57,640
Speaker 1: to a place where you feel comfortable or complacent about

557
00:28:57,680 --> 00:29:00,920
Speaker 1: these regular payment plans, because that is often then a

558
00:29:00,960 --> 00:29:04,160
Speaker 1: sign that we could be stretching and pushing ourselves slightly

559
00:29:04,200 --> 00:29:08,760
Speaker 1: further for even greater success. And then step seven, stay

560
00:29:08,760 --> 00:29:13,920
Speaker 1: flexible and adjust. All Right, Yes, we have these clear

561
00:29:13,960 --> 00:29:16,880
Speaker 1: blocks for twenty twenty five sitting in front of us,

562
00:29:17,360 --> 00:29:20,440
Speaker 1: but life happens. They're going to be setbacks, and they're

563
00:29:20,480 --> 00:29:23,000
Speaker 1: going to be challenges a long way. That is normal,

564
00:29:23,040 --> 00:29:25,960
Speaker 1: That is natural, and it is okay. As I shared

565
00:29:25,960 --> 00:29:28,040
Speaker 1: in my previous episode, we fell short of one of

566
00:29:28,040 --> 00:29:30,400
Speaker 1: our big goals last year. And whilst that was really

567
00:29:30,480 --> 00:29:34,040
Speaker 1: upsetting and really frustrating and I felt so disheartened, within

568
00:29:34,080 --> 00:29:36,960
Speaker 1: a few weeks, I didn't just move on, but I

569
00:29:37,040 --> 00:29:39,840
Speaker 1: moved up with my mindset. You see, I'd actually had

570
00:29:39,840 --> 00:29:42,720
Speaker 1: done okay with my progress even though we fell short

571
00:29:42,760 --> 00:29:45,160
Speaker 1: of our goals. But I actually gained a lot of

572
00:29:45,160 --> 00:29:48,160
Speaker 1: wisdom and insight from failing. And when I look back

573
00:29:48,360 --> 00:29:51,000
Speaker 1: and sort of really went through absolutely everything that I

574
00:29:51,080 --> 00:29:54,600
Speaker 1: needed to look at this failure, it actually made me

575
00:29:54,640 --> 00:29:57,840
Speaker 1: realize that this failure offered a really important and valuable

576
00:29:57,880 --> 00:30:01,600
Speaker 1: platform for further growth and success. So what I recommend

577
00:30:01,600 --> 00:30:05,240
Speaker 1: you do is obviously have regular check ins for your

578
00:30:05,280 --> 00:30:09,959
Speaker 1: twenty twenty five financial goal game plan, but understand there

579
00:30:10,000 --> 00:30:11,440
Speaker 1: are going to be times where you need to make

580
00:30:11,560 --> 00:30:15,000
Speaker 1: slight tweaks and changes, and of course use those automated

581
00:30:15,080 --> 00:30:18,120
Speaker 1: systems if and where you need to, but again by

582
00:30:18,200 --> 00:30:21,680
Speaker 1: coming back and checking your progress, also check and update

583
00:30:21,760 --> 00:30:24,240
Speaker 1: any of those automated programs to see if there's room

584
00:30:24,320 --> 00:30:27,320
Speaker 1: to improve and change them, to adjust them, to increase them,

585
00:30:27,360 --> 00:30:30,120
Speaker 1: so you can see your goals being achieved so much

586
00:30:30,200 --> 00:30:33,800
Speaker 1: quicker and so much greater success. So tweaks and changes

587
00:30:33,880 --> 00:30:37,280
Speaker 1: throughout the year are most definitely allowed and most definitely

588
00:30:37,440 --> 00:30:39,880
Speaker 1: encouraged as long as you're not making too bigger tweaks

589
00:30:39,920 --> 00:30:43,480
Speaker 1: and changes where you're actually cheating yourself and selling yourself short.

590
00:30:43,560 --> 00:30:48,560
Speaker 1: And also by continuously staying flexible, adjusting and reviewing your calendar,

591
00:30:48,720 --> 00:30:51,719
Speaker 1: your financial game plan, it really does help improve and

592
00:30:51,840 --> 00:30:54,640
Speaker 1: increase your motivation levels. And then when we do that,

593
00:30:54,760 --> 00:30:57,080
Speaker 1: we find that we are less likely to be distracted,

594
00:30:57,240 --> 00:31:00,800
Speaker 1: we're less likely to procrastinate, were so much which more accountable,

595
00:31:00,800 --> 00:31:03,240
Speaker 1: we are so much more aware. The clock is ticking

596
00:31:03,360 --> 00:31:06,520
Speaker 1: time is being wasted, and then that organically creates a

597
00:31:06,520 --> 00:31:08,800
Speaker 1: powerful call to action by us. We don't even think

598
00:31:08,840 --> 00:31:11,520
Speaker 1: about it. We just start doing working on our goals,

599
00:31:11,560 --> 00:31:14,320
Speaker 1: getting creative with our goals. And when you have those

600
00:31:14,360 --> 00:31:17,240
Speaker 1: regular check ins where you may need to become flexible

601
00:31:17,240 --> 00:31:19,760
Speaker 1: and make those adjustments, you can actually see the progress

602
00:31:19,760 --> 00:31:22,920
Speaker 1: you've made and actually how things are working, how you're

603
00:31:22,960 --> 00:31:25,640
Speaker 1: actually achieving your goals, and how different the year is

604
00:31:26,320 --> 00:31:29,479
Speaker 1: in comparison to your previous years. You can see what

605
00:31:29,560 --> 00:31:32,840
Speaker 1: you're learning, you're growing not just from a financial education

606
00:31:32,920 --> 00:31:35,280
Speaker 1: point of view, but from a personal growth point of view.

607
00:31:35,320 --> 00:31:37,200
Speaker 1: And for me, that personal growth is actually where the

608
00:31:37,200 --> 00:31:40,320
Speaker 1: biggest and best rewards come in. So to quickly recap

609
00:31:40,360 --> 00:31:44,480
Speaker 1: your financial goal plan, number one, get crystal clear with

610
00:31:44,680 --> 00:31:47,040
Speaker 1: your goals. Write them in the present or past, tense,

611
00:31:47,560 --> 00:31:51,880
Speaker 1: have numbers, have deadlines, have a landing destination, and if

612
00:31:51,920 --> 00:31:54,800
Speaker 1: you want, add in your why and a little inkling

613
00:31:54,840 --> 00:31:57,200
Speaker 1: of what your next goal is that you're going to

614
00:31:57,240 --> 00:32:00,680
Speaker 1: focus on. Step two is to create is bird's eye

615
00:32:00,760 --> 00:32:04,680
Speaker 1: view that is your financial game plan calendar. Again, I've

616
00:32:04,680 --> 00:32:07,560
Speaker 1: created a template for you. You can linked it in the notes.

617
00:32:07,600 --> 00:32:10,480
Speaker 1: You can quickly and easily access it, but make it colorful.

618
00:32:10,760 --> 00:32:13,120
Speaker 1: Block out your times and make sure you've got spots

619
00:32:13,160 --> 00:32:15,160
Speaker 1: there where you can write down all of your ideas

620
00:32:15,480 --> 00:32:17,959
Speaker 1: and all of the personal characteristics you need within yourself

621
00:32:18,000 --> 00:32:21,760
Speaker 1: to achieve these goals. This will help keep you motivated

622
00:32:21,800 --> 00:32:25,560
Speaker 1: and focused and stop you from wasting time. Step three

623
00:32:25,720 --> 00:32:28,120
Speaker 1: is to reverse engineer your success. Look at that goal

624
00:32:28,240 --> 00:32:30,040
Speaker 1: and what you want to achieve and by when, and

625
00:32:30,080 --> 00:32:31,880
Speaker 1: then you can work out how much you need to

626
00:32:31,920 --> 00:32:35,640
Speaker 1: be saving or investing paying down debt per week or

627
00:32:35,720 --> 00:32:38,720
Speaker 1: even per day, per fortnight, per month in order to

628
00:32:38,760 --> 00:32:41,480
Speaker 1: help make that happen. If there's a gap that is

629
00:32:41,520 --> 00:32:44,400
Speaker 1: where you look to hustle, where you look to save

630
00:32:44,440 --> 00:32:46,880
Speaker 1: extra money, all the different creative things you can do

631
00:32:47,000 --> 00:32:50,760
Speaker 1: to help achieve that goal within that dedicated time. Step

632
00:32:50,840 --> 00:32:53,200
Speaker 1: number four is to do the deep dive into you.

633
00:32:53,240 --> 00:32:56,040
Speaker 1: Look at your mindset, look at the characteristics and the

634
00:32:56,160 --> 00:32:58,800
Speaker 1: skills and the habits that you need to have within

635
00:32:58,880 --> 00:33:01,959
Speaker 1: yourself in order to help give these goals the biggest

636
00:33:01,960 --> 00:33:06,360
Speaker 1: and best opportunity to thrive. You already have everything that

637
00:33:06,440 --> 00:33:10,760
Speaker 1: you need within yourself to achieve these goals. Step number

638
00:33:10,760 --> 00:33:13,560
Speaker 1: five is to make sure you're creating shortcuts to fast

639
00:33:13,600 --> 00:33:15,640
Speaker 1: track your progress. This is what I call in my

640
00:33:15,720 --> 00:33:19,360
Speaker 1: money mindset program boosters, little things you can do to

641
00:33:19,360 --> 00:33:22,040
Speaker 1: help boost that goal so that you can achieve it

642
00:33:22,160 --> 00:33:25,000
Speaker 1: quicker or you can over achieve that goal. It's about

643
00:33:25,040 --> 00:33:28,040
Speaker 1: getting creative. Think outside of the square as to things

644
00:33:28,040 --> 00:33:30,120
Speaker 1: you can do to bring in some extra cash to

645
00:33:30,240 --> 00:33:34,120
Speaker 1: move through the year faster and with greater efficiency. Step

646
00:33:34,160 --> 00:33:38,200
Speaker 1: six is to have accountability. Of course, automate everything you

647
00:33:38,240 --> 00:33:40,080
Speaker 1: can for success, but have someone you can talk to

648
00:33:40,120 --> 00:33:43,200
Speaker 1: about your goals, how far you're going, what your progress is,

649
00:33:43,200 --> 00:33:45,360
Speaker 1: looking at, maybe where you're struggling, where you need some

650
00:33:45,400 --> 00:33:48,720
Speaker 1: help or you need some inspiration, and just get excited

651
00:33:48,760 --> 00:33:51,680
Speaker 1: about what you are doing and achieving along the way.

652
00:33:52,360 --> 00:33:55,480
Speaker 1: And again to remind you automation is brilliant, but be

653
00:33:55,520 --> 00:33:59,520
Speaker 1: careful where automation just makes you comfortable and complacent. Whenever

654
00:33:59,560 --> 00:34:03,040
Speaker 1: you've achieved goal the particular smaller ones, look at what

655
00:34:03,120 --> 00:34:07,080
Speaker 1: improvements you can add to that automation system. And then finally,

656
00:34:07,120 --> 00:34:10,560
Speaker 1: step number seven is just stay flexible and adjust. You

657
00:34:10,719 --> 00:34:15,000
Speaker 1: must review your progress all the time, weekly, fortnightly, monthly.

658
00:34:15,120 --> 00:34:16,759
Speaker 1: Just make sure you do it regularly. This is one

659
00:34:16,760 --> 00:34:18,640
Speaker 1: of the habit systems you're going to have to create,

660
00:34:19,080 --> 00:34:22,680
Speaker 1: so where you need to make adjustments, it's okay, don't

661
00:34:22,719 --> 00:34:25,440
Speaker 1: beat yourself up, but promise me this one thing. You're

662
00:34:25,480 --> 00:34:27,560
Speaker 1: not going to add new goals to your list unless

663
00:34:27,560 --> 00:34:30,920
Speaker 1: you've achieved every single goal for twenty twenty five. One

664
00:34:31,000 --> 00:34:32,279
Speaker 1: of the key things where I think a lot of

665
00:34:32,320 --> 00:34:33,920
Speaker 1: people go wrong is they start and they put my

666
00:34:33,960 --> 00:34:35,719
Speaker 1: hand up for this as well, they start to add

667
00:34:35,760 --> 00:34:38,359
Speaker 1: new goals into the list, They get excited about other

668
00:34:38,400 --> 00:34:40,759
Speaker 1: things they want to achieve, and they start adding more

669
00:34:40,800 --> 00:34:43,840
Speaker 1: things to the table without actually clearing the decks first.

670
00:34:44,520 --> 00:34:47,640
Speaker 1: So as you think happen in life setbacks and challenges,

671
00:34:47,680 --> 00:34:51,040
Speaker 1: to really try and stay committed and true and dedicated

672
00:34:51,080 --> 00:34:53,080
Speaker 1: to those goals that you sit down intentionally at the

673
00:34:53,080 --> 00:34:56,200
Speaker 1: beginning of the year, and of course don't beat yourself

674
00:34:56,239 --> 00:34:58,880
Speaker 1: if you fall short. So much wisdom is to be

675
00:34:58,920 --> 00:35:04,440
Speaker 1: gained beyond those actual physical dollar amount goals. So that

676
00:35:04,640 --> 00:35:07,680
Speaker 1: is it for today's episode. This game plan is really

677
00:35:07,719 --> 00:35:11,480
Speaker 1: not about perfection, it's really about progress. Your future self

678
00:35:11,520 --> 00:35:13,839
Speaker 1: is counting on you, so you need to show up

679
00:35:14,000 --> 00:35:17,960
Speaker 1: for yourself daily, weekly, fortnightly, and monthly and make sure

680
00:35:18,000 --> 00:35:21,160
Speaker 1: that you finish twenty twenty five and a stronger, wealthier

681
00:35:21,200 --> 00:35:25,320
Speaker 1: and more empowered position than ever before. So now is

682
00:35:25,360 --> 00:35:27,560
Speaker 1: the time to use your game plan, to create your

683
00:35:27,600 --> 00:35:30,920
Speaker 1: game plan, to get started on it, and see twenty

684
00:35:31,000 --> 00:35:35,040
Speaker 1: twenty five being very very different, a financially abundant year.

685
00:35:35,120 --> 00:35:38,360
Speaker 1: You could say, now, if you've enjoyed this episode, please

686
00:35:38,400 --> 00:35:40,200
Speaker 1: make sure you send it to a friend, send it

687
00:35:40,200 --> 00:35:42,560
Speaker 1: to a family member, and of course don't forget to

688
00:35:42,560 --> 00:35:45,359
Speaker 1: go and download that free template that I've created FEWS.

689
00:35:45,400 --> 00:35:48,720
Speaker 1: You can create your own financial game plan now. Until

690
00:35:48,760 --> 00:35:52,680
Speaker 1: next time, stay focused, stay empowered, and keep that financial

691
00:35:52,719 --> 00:36:02,320
Speaker 1: fire burning right. This is Sugar Mamma's first play