WEBVTT - How To Build Your Financial Game Plan for 2025 0:00:00.200 --> 0:00:03.720 Let's build your own financial game plan for two thousand 0:00:03.880 --> 0:00:07.240 and twenty five. Let me share with you all my 0:00:07.360 --> 0:00:10.239 secrets to success to help make sure that we give 0:00:10.440 --> 0:00:14.120 our financial goals and dreams the biggest and best opportunity 0:00:14.320 --> 0:00:29.440 to thrive. Welcome back to Sugar Mama's Fireplay, the podcast 0:00:29.480 --> 0:00:33.680 where we ignite your path to financial independence and hopefully 0:00:33.760 --> 0:00:38.360 an early retirement. I am your host financial planner, Canna Campbell, 0:00:38.720 --> 0:00:40.839 and a couple of weeks ago, I shared with you 0:00:41.080 --> 0:00:44.159 my financial goals for twenty twenty five, and then in 0:00:44.280 --> 0:00:47.479 a subsequent episode, I shared with you how I was 0:00:47.520 --> 0:00:50.760 actually going to make sure that my financial goals happen 0:00:50.880 --> 0:00:54.160 to the best of my ability. So in today's episode, 0:00:54.200 --> 0:00:57.480 I want to actually turn the focus on you. So 0:00:57.560 --> 0:01:00.680 today's episode is really about helping you create your own 0:01:00.720 --> 0:01:04.280 financial game plan for twenty twenty five, so that together 0:01:04.319 --> 0:01:07.680 we can strategically and realistically help you achieve all of 0:01:07.720 --> 0:01:10.959 those financial goals and dreams for the year and end 0:01:11.040 --> 0:01:14.759 twenty twenty five on a proud, fulfilled note and even 0:01:14.800 --> 0:01:19.039 feel incredibly excited about the further growth and success that 0:01:19.160 --> 0:01:22.880 might be waiting for you for twenty twenty six, especially 0:01:22.920 --> 0:01:25.040 as you've been able to achieve so much and learn 0:01:25.160 --> 0:01:28.640 so much from this year. Now, as you know, all 0:01:28.680 --> 0:01:31.520 of my content with a podcast, something on TikTok or 0:01:31.560 --> 0:01:35.039 Instagram or YouTube, it's always general in nature and for 0:01:35.200 --> 0:01:39.119 educational purposes. But by the end of today's episode you'll 0:01:39.120 --> 0:01:42.280 have a step by step blueprint or roadmap even to 0:01:42.319 --> 0:01:45.479 help you achieve your financial goals, break them down into 0:01:45.520 --> 0:01:48.800 bite size, actionable steps, and even put some of them, 0:01:48.800 --> 0:01:52.200 if you like, on autopilot, so that twenty and twenty 0:01:52.240 --> 0:01:58.280 five just creates success financially. Organically, it feels effortless and 0:01:58.600 --> 0:02:02.280 most of all efficient, So grab a notebook and depend 0:02:02.440 --> 0:02:04.280 and if you like, you can even go and download 0:02:04.320 --> 0:02:08.400 my free twenty twenty five financial game Plan calendar to 0:02:08.480 --> 0:02:12.120 help you apply all of these secrets, hacks, tips and 0:02:12.160 --> 0:02:23.119 tricks in today's episode. So let's get started, all right. 0:02:23.360 --> 0:02:27.800 Step one is to define your financial goals with precision 0:02:28.320 --> 0:02:30.880 before we do anything. We need to get crystal clear 0:02:30.960 --> 0:02:34.240 on your financial goals. Not just these vague goals and 0:02:34.280 --> 0:02:37.400 ideas and dreams like save more money or pay off debt. 0:02:37.840 --> 0:02:43.240 We need specific, exciting and even slightly scary goals, but 0:02:43.560 --> 0:02:49.160 with lots of detail. In fact fine detail. And also 0:02:49.200 --> 0:02:52.880 these goals should make you feel exhilarated, but also push 0:02:52.919 --> 0:02:55.760 you and stretch you out of your comfort zone. Think 0:02:55.840 --> 0:02:57.760 of it like this. If you woke up on the 0:02:57.760 --> 0:03:02.359 first December twenty twenty five, what financial achievements would make 0:03:02.400 --> 0:03:06.840 you feel proud and powerful? Write down the first things 0:03:06.840 --> 0:03:10.160 that come to mind, and keep adding to that list. So, 0:03:10.320 --> 0:03:13.400 for example, you might think, well, I would have built 0:03:13.480 --> 0:03:16.840 up my emergency savings and have ten thousand dollars, say 0:03:16.880 --> 0:03:19.640 by the first of March. Or i would have paid 0:03:19.639 --> 0:03:22.160 off all my credit card debt finally by the thirtieth 0:03:22.160 --> 0:03:26.480 of June. Or I'm investing five hundred dollars per month 0:03:26.520 --> 0:03:28.960 into my portfolio and I've actually steadily increased it to 0:03:29.120 --> 0:03:32.240 seven hundred and fifty dollars per month by September the fifteenth. 0:03:32.639 --> 0:03:35.280 Or I've started one hundred dollar per month salary sacrificing plan. 0:03:35.520 --> 0:03:38.520 Or I've paid off the final eight thousand dollars off 0:03:38.600 --> 0:03:43.560 my hex debt by the fifteenth of October. Notice how 0:03:43.840 --> 0:03:46.920 these goals have a lot more detail than these previous 0:03:47.160 --> 0:03:51.880 payoff debt save more money ones. They now have exact 0:03:51.960 --> 0:03:56.160 dollar amounts, and they also have exact deadlines, and they 0:03:56.160 --> 0:04:00.800 also have direction. The money knows exactly where to or 0:04:00.880 --> 0:04:05.480 land in a particular savings account, investment portfolio, superinnuation account, 0:04:05.760 --> 0:04:09.880 HEXTEBT or credit card, and everything feels so much more 0:04:09.920 --> 0:04:13.600 intentional and with a clear sense of direction and instruction. 0:04:14.280 --> 0:04:16.919 And also everything's written down. And it's not only just 0:04:16.960 --> 0:04:19.720 written down, it's written down and this is a really 0:04:19.720 --> 0:04:22.320 important thing to grasp heer. It's written down in the 0:04:22.360 --> 0:04:27.400 present or past tense. Now, the reason I recommend doing this, 0:04:27.480 --> 0:04:29.839 that is writing in the present or past tense, is 0:04:29.839 --> 0:04:33.799 it helps you feel more accountable. It triggers immediate action 0:04:34.120 --> 0:04:36.720 and stops those silly pipeline dreams when we say or 0:04:37.200 --> 0:04:40.560 when we say or think I will or one day 0:04:40.600 --> 0:04:43.760 I'm going to, or I would really like to, which 0:04:43.880 --> 0:04:46.880 just basically drags the chain. It's like dangling a carrot. 0:04:46.920 --> 0:04:51.359 We never actually really pull a finger out and create 0:04:51.440 --> 0:04:55.080 that immediate action that is required for our goals. So 0:04:55.240 --> 0:04:58.719 whin do your goals? Write them as I am paying 0:04:58.800 --> 0:05:02.640 off my credit card, I am building my emergency money, 0:05:02.720 --> 0:05:07.080 I am investing not this, I am going to, I will, 0:05:07.279 --> 0:05:09.919 I plan to, I want to. My goal is to 0:05:10.640 --> 0:05:13.680 make it in the present tests or even better in 0:05:13.680 --> 0:05:17.520 the past tests. I've started investing five hundred dollars per month. 0:05:17.880 --> 0:05:19.880 I have started putting one hundred dollars per week into 0:05:19.880 --> 0:05:24.920 my emergency savings account. Again, remember you need the landing destination, 0:05:25.080 --> 0:05:28.160 the account, the superreineruation account, the investment portfolio, the credit 0:05:28.200 --> 0:05:30.520 card debt, the HEXTEP whatever it may be, the amount, 0:05:30.600 --> 0:05:33.960 and of course the deadline, the exact deadline to the day. 0:05:34.360 --> 0:05:37.359 Now for bonus points, you can add your y in 0:05:38.200 --> 0:05:43.320 and your next goal in to your existing goal. For example, 0:05:43.800 --> 0:05:46.960 I will have my emergency money of ten thousand dollars 0:05:47.000 --> 0:05:50.080 in my xyz bank account so that I can start 0:05:50.080 --> 0:05:53.200 building my share portfolio, which is the start of earning 0:05:53.200 --> 0:05:56.960 passive income for financial freedom for myself and is going 0:05:57.000 --> 0:06:00.280 to help alleviate so much stress in my life. See 0:06:00.279 --> 0:06:02.680 how with that one simple goal of saving ten thousand 0:06:02.680 --> 0:06:06.480 dollars for emergency money has so much more depth and 0:06:06.560 --> 0:06:09.599 gravity to it. We have added like a bit of 0:06:09.680 --> 0:06:13.360 magical powder to that goal because we have explained in 0:06:13.440 --> 0:06:17.960 that goal what is the reason why, and of course 0:06:18.320 --> 0:06:22.280 the benefits from those goals alleviating the stress in your life, 0:06:22.520 --> 0:06:25.920 building up passive income, feeling that sense of financial freedom 0:06:25.960 --> 0:06:30.320 and independence. So we have included to recap the exact 0:06:30.360 --> 0:06:33.160 amount the deadline. We've written it in the past or 0:06:33.200 --> 0:06:37.960 present tense. We've included our why, and we have sprinkled 0:06:38.000 --> 0:06:40.920 a little bit of I guess motivation even to put 0:06:40.960 --> 0:06:43.600 in the next goal, so you can start to see 0:06:43.640 --> 0:06:47.880 the flowing connection between financial goal to financial goal. Now, 0:06:47.960 --> 0:06:50.000 the moment you've gotten clear about your goals and you 0:06:50.040 --> 0:06:53.200 feel pumped start working on them, I recommend putting them 0:06:53.200 --> 0:06:59.400 down in order of priority, ideally if possible, from small 0:06:59.560 --> 0:07:02.960 to life. Just for example, goal number one would beat 0:07:02.960 --> 0:07:05.480 it clear off the toxic credit card debt. For example, 0:07:05.480 --> 0:07:07.440 if you have that, the next goal would be to 0:07:07.440 --> 0:07:09.480 build up your emergency savings. The next goal would be 0:07:09.560 --> 0:07:11.920 to start investing. The next goal would be to save 0:07:12.000 --> 0:07:15.320 up for a home or renovation or you know, an 0:07:15.360 --> 0:07:18.160 elaborate holiday. Now, there are a couple of reasons why 0:07:18.200 --> 0:07:21.400 I recommend having it in this order of priority, ideally 0:07:21.400 --> 0:07:23.640 from the smallest to the last. So the first reason 0:07:23.760 --> 0:07:26.960 is by setting small and achievable goals at the top 0:07:27.040 --> 0:07:30.280 of your list, you feel so much more confident to 0:07:30.320 --> 0:07:32.679 actually start working on those goals. You actually feel empowered 0:07:32.720 --> 0:07:35.520 to get started because they're not ones that you can 0:07:35.640 --> 0:07:40.000 really procrastinate. They're achievable. You'll do them. It's like you know, 0:07:40.120 --> 0:07:41.320 when you do your list of things to do in 0:07:41.320 --> 0:07:44.080 the morning, we always tend to gravitate towards those quick, easy, 0:07:44.160 --> 0:07:47.440 simple ones. First, that is perfectly fine. The second reason 0:07:47.480 --> 0:07:50.000 why I recommend you do this is it allows you 0:07:50.080 --> 0:07:52.480 to quickly tick off the first goal off your list, 0:07:52.880 --> 0:07:56.560 because you're starting to build that important momentum to build 0:07:56.640 --> 0:07:59.480 upon for further success. And then the third reason why 0:07:59.520 --> 0:08:02.920 I recommend this list of priorities and ideally smallest to largest, 0:08:03.040 --> 0:08:05.600 is that by completing the first one or even the 0:08:05.640 --> 0:08:09.480 second two goals quickly, you can then have less distractions 0:08:10.120 --> 0:08:13.040 and even more resources to then channel and focus that 0:08:13.080 --> 0:08:15.120 time and money to sink your teeth into the bigger 0:08:15.160 --> 0:08:18.880 goals of yours. So, going back to that example, clearing off, 0:08:18.920 --> 0:08:20.560 say the three or four thousand dollars of the credit 0:08:20.600 --> 0:08:22.800 card debt, we can quickly focus and hone in on that. 0:08:23.440 --> 0:08:25.200 Then that money that we were using to pay off 0:08:25.200 --> 0:08:27.480 that credit card debt, we can then use to channel 0:08:27.520 --> 0:08:30.600 towards building up the emergency money savings. And then moths. 0:08:30.640 --> 0:08:33.120 We've done that. All those tactics and strategies that we 0:08:33.160 --> 0:08:35.280 were using to clear the debt and build the savings 0:08:35.320 --> 0:08:38.360 can now be completely channeled into investing and planning for 0:08:38.440 --> 0:08:39.839 saving up for a home or what are the other 0:08:39.880 --> 0:08:42.920 big goals left on that list. It builds up momentum. 0:08:43.000 --> 0:08:45.240 It's like a trickling effect, and more goals you can 0:08:45.280 --> 0:08:47.080 tick off your list, the more trickles you can then 0:08:47.160 --> 0:08:49.600 use for those bigger goals. So you get to really 0:08:49.600 --> 0:08:51.880 sink your teeth into the bigger goals with so much 0:08:51.920 --> 0:08:54.959 more efficiency. Now I'll talk about this and be in 0:08:55.000 --> 0:08:57.240 a bit more detail further into this episode, but this 0:08:57.280 --> 0:08:59.120 is one of the most powerful techniques I have used 0:08:59.160 --> 0:09:02.600 myself personally for many, many years. So let me know 0:09:02.640 --> 0:09:04.640 how you go with writing your goals in this way. 0:09:04.920 --> 0:09:07.040 Perhaps you've done it similarly, or perhaps you've done it 0:09:07.080 --> 0:09:09.320 completely differently. But if you have a go at applying 0:09:09.320 --> 0:09:11.920 these principles, I'd love to hear feedback from you as 0:09:11.960 --> 0:09:14.640 to how you now feel in writing your goals in 0:09:14.640 --> 0:09:18.760 this particular manner. All right. Step two, create a bird's 0:09:18.800 --> 0:09:23.520 eye view of your financial calendar year. This is my 0:09:23.640 --> 0:09:25.920 biggest hack here and I'm really excited to be able 0:09:25.920 --> 0:09:28.079 to share this with you. So what I recommend you 0:09:28.120 --> 0:09:30.559 do is take a twelve month calendar. You can print 0:09:30.600 --> 0:09:33.400 one or use a calendar I like to use Canber 0:09:33.880 --> 0:09:36.839 and you start to map out your goals month by month, 0:09:37.679 --> 0:09:40.680 or for the bigger goals, perhaps quarter by quarter. So 0:09:40.800 --> 0:09:44.960 for example, when I shared my goals for twenty twenty five, 0:09:45.400 --> 0:09:48.000 one of them was to build up our emergency savings, 0:09:48.559 --> 0:09:50.439 and then the other one was to go on holiday 0:09:50.480 --> 0:09:54.600 quickly to New Zealand skiing, then to focus on renovating 0:09:54.600 --> 0:09:58.240 our home, and then the last one was to invest 0:09:58.280 --> 0:10:00.720 one hundred thousand dollars into shares. So I've written in 0:10:00.760 --> 0:10:03.360 that order from smallest to the largest, and obviously in 0:10:03.480 --> 0:10:06.320 a list of priorities. So what I have then done 0:10:06.360 --> 0:10:09.960 is actually put those those goals to focus on throughout 0:10:10.000 --> 0:10:12.800 the year. I've color coded it, so from January to 0:10:12.840 --> 0:10:17.000 March it's purely about building up emergency money. Then from 0:10:17.040 --> 0:10:20.120 April he's focusing on making sure we have our holiday 0:10:20.160 --> 0:10:22.080 completely paid for before we go on and we've got 0:10:22.360 --> 0:10:27.360 spending money, lift passes, accommodation, everything is sorted. Then for 0:10:27.400 --> 0:10:29.920 the period of May to August, it's pretty much focused 0:10:29.960 --> 0:10:33.480 purely on renovation savings, and yes there will be some 0:10:33.520 --> 0:10:36.000 flexibility with this, but again I'll come to that sort 0:10:36.000 --> 0:10:38.920 of being open and making tweaks and changes as needed. 0:10:39.360 --> 0:10:42.280 And then pretty much from September through the end of November, 0:10:42.960 --> 0:10:46.680 he's focusing on their debt reduction strategy and of course 0:10:46.720 --> 0:10:49.000 the investing, so I'll be using a debt recycling strategy. 0:10:49.480 --> 0:10:53.280 So what I've essentially done is color coordinated my year, 0:10:53.440 --> 0:10:55.440 so I know what is the key topic, the key 0:10:55.480 --> 0:10:59.320 focus for that particular block of time. So for yourself, 0:10:59.360 --> 0:11:01.280 you may want to focus on paying off the toxic 0:11:01.320 --> 0:11:03.839 debt between now and say much. Then for me to 0:11:03.920 --> 0:11:06.360 June you want to focus on building up emergency savings. 0:11:06.600 --> 0:11:09.200 My key point here is that you are intentionally blocking 0:11:09.280 --> 0:11:12.160 out periods of twenty twenty five so that you can 0:11:12.200 --> 0:11:15.359 have almost like a power session and really focus exclusively 0:11:15.440 --> 0:11:18.200 on one goal at a time. And by setting like 0:11:18.280 --> 0:11:21.719 dedicated periods of time allowed before you start actually beginning this, 0:11:22.160 --> 0:11:25.000 you can also ration out your resources so much more 0:11:25.000 --> 0:11:28.160 intentionally and mindfully and get a greater sense of the 0:11:28.240 --> 0:11:31.120 year ahead and really what has to be achieved and 0:11:31.160 --> 0:11:34.280 what is really involved. By you to help make these 0:11:34.320 --> 0:11:37.400 things happen. It really does give you this bird's eye perspective. 0:11:37.520 --> 0:11:41.400 Is all the wonderful things you are serious about achieving 0:11:41.559 --> 0:11:45.440 and doing and growing into even and how you're going 0:11:45.520 --> 0:11:48.880 to ration your time and your resources out to give 0:11:48.920 --> 0:11:52.559 it the best opportunity to succeed. And for me, the 0:11:52.640 --> 0:11:55.560 biggest thing is the biggest benefit for this is and 0:11:55.600 --> 0:11:58.080 why I love this particular approach is it stops me 0:11:58.120 --> 0:12:01.560 from trying to achieve every thing all at once and 0:12:01.600 --> 0:12:04.600 then getting completely overwhelmed with pretty much little or no 0:12:04.679 --> 0:12:08.760 real progress. So it allows me to really just focus. 0:12:09.240 --> 0:12:11.400 And you need to remember that while you have a 0:12:11.480 --> 0:12:14.560 key focus or even a block, you can at the 0:12:14.559 --> 0:12:18.400 same time put some things on autopilot. So, yes, I 0:12:18.480 --> 0:12:21.640 have cleared out you know, January through March is dedicated 0:12:21.679 --> 0:12:24.480 purely to our emergency money. But at the same time 0:12:24.559 --> 0:12:27.600 I do have small regular savings plans in place, for 0:12:27.640 --> 0:12:31.599 example for our holiday savings account. So some things, or 0:12:31.600 --> 0:12:33.880 whilst I do have a key focus, I can have 0:12:33.920 --> 0:12:36.880 a few things in the background on autopilot. And these 0:12:36.920 --> 0:12:41.000 include things like regular investing plans, extra mortgage repayments or 0:12:41.040 --> 0:12:44.720 even soury sacrificing into superannuation if you want. And as 0:12:44.720 --> 0:12:47.719 I mentioned, I make this really colorful. And now, as 0:12:47.720 --> 0:12:50.160 I said, you can download a free template that I've 0:12:50.160 --> 0:12:52.320 can created and use this as a guide to copy 0:12:52.400 --> 0:12:54.679 even if you like to build your own bird's eye 0:12:54.760 --> 0:12:57.280 view of twenty twenty five for your financial game plan. 0:12:57.360 --> 0:13:01.600 But using contrasting colors, for me, particularly someone who has 0:13:01.840 --> 0:13:06.160 ADHD and really struggles to focus, I can really sort 0:13:06.160 --> 0:13:09.240 of see the different blocks very click clearly, I'm not 0:13:09.280 --> 0:13:11.720 doing two different shades of green back to back. You 0:13:11.720 --> 0:13:12.960 know you will see when you have a look at 0:13:12.960 --> 0:13:15.520 this yourself the bright colors that give me that bird's 0:13:15.520 --> 0:13:18.320 eye view and help me understand how I have to 0:13:18.320 --> 0:13:21.640 stay on top of everything, but also really avoid getting 0:13:21.640 --> 0:13:24.480 distracted and trying to achieve other goals at the same time, 0:13:24.559 --> 0:13:27.079 which as I said, ends up being with not really 0:13:27.160 --> 0:13:31.400 much progress to be proud about. Now, step number three 0:13:31.559 --> 0:13:34.800 we need to reverse engineer you'll success. So once you've 0:13:34.840 --> 0:13:38.160 mapped out your goals, you're excited. They scare you, but 0:13:38.760 --> 0:13:40.840 you could see an inkling of it. You're actually achieving 0:13:40.920 --> 0:13:44.320 these things brilliant. We now need to start looking at 0:13:44.360 --> 0:13:47.280 the practical steps that go and you've got them plugged 0:13:47.320 --> 0:13:49.679 into your calculator, so you're calculator, you've got them plugged 0:13:49.720 --> 0:13:52.480 into your calendar, your color coordinated, and you're building this. 0:13:53.000 --> 0:13:55.079 So now what we need to do is work backwards. 0:13:55.559 --> 0:13:58.600 Work backwards in that we need to break the big 0:13:58.600 --> 0:14:01.000 goals down, or even the little goal down, into smaller 0:14:01.120 --> 0:14:05.080 actionable steps. For example, that goal to save ten thousand 0:14:05.120 --> 0:14:07.199 dollars by the first of March, You've got to break 0:14:07.240 --> 0:14:10.760 that down. What does that realistically look like between now 0:14:10.800 --> 0:14:13.400 and that goal being achieved. So, for example, that might 0:14:13.440 --> 0:14:16.040 be around about say three three hundred and thirty three 0:14:16.080 --> 0:14:17.720 dollars per month that I'd have to save to an 0:14:17.800 --> 0:14:21.040 order to hit that goal in that block, or perhaps 0:14:21.080 --> 0:14:23.600 it's a smaller amount you know that I can more 0:14:23.600 --> 0:14:26.280 achievable stretch over slightly bigger time. Just make sure you 0:14:26.320 --> 0:14:29.480 are just your block so that your deadline is realistic, 0:14:29.520 --> 0:14:32.800 but also you're not allowing a potential opportunity to become 0:14:32.880 --> 0:14:37.160 lazy or complacent. Now, of course we can only save 0:14:37.240 --> 0:14:39.200 so much. You know, for me to save a million 0:14:39.200 --> 0:14:41.760 dollars is unrealistic because I don't know a million dollars, 0:14:41.800 --> 0:14:43.800 and we have to live and pay taxes and all 0:14:43.840 --> 0:14:46.720 those things. So this is where you would then again 0:14:46.880 --> 0:14:49.240 go back and see what additional things you can do 0:14:49.320 --> 0:14:53.360 to help increase the success for the achievement of that goal. 0:14:53.480 --> 0:14:56.080 What expenses can you cut, what income can you increase? 0:14:56.200 --> 0:14:58.920 Other things you can sell? Are there any automated payment 0:14:59.000 --> 0:15:01.440 savings plans or reduction plans that you can put into place? 0:15:02.080 --> 0:15:05.240 By actually working backwards, looking at the goal and going 0:15:05.320 --> 0:15:08.120 what do I need to do to achieve that goal 0:15:08.160 --> 0:15:11.120 in this time is essential? So for example, take that 0:15:11.240 --> 0:15:13.520 number that you need to save, divide it up between 0:15:13.560 --> 0:15:15.160 now and the date that you want to achieve it, 0:15:15.200 --> 0:15:16.680 and that will then give you an idea as to 0:15:16.720 --> 0:15:19.240 how much you need to be doing in small, mini, 0:15:19.280 --> 0:15:22.480 bite sized goals to achieve that. If you look at 0:15:22.520 --> 0:15:23.960 it and go, well, I still am going to be short, 0:15:23.960 --> 0:15:25.480 I'm not going to achieve that goal. That is when 0:15:25.560 --> 0:15:29.520 you look to booster your income, sell things, hustle all 0:15:29.560 --> 0:15:32.160 those and things, and you really need to spend a 0:15:32.240 --> 0:15:35.960 dedicated amount of time thinking about each goal individually and 0:15:36.000 --> 0:15:38.800 how you can really help make that happen within the 0:15:38.840 --> 0:15:41.960 calendar block. This is going to require some brainstorming. It's 0:15:42.000 --> 0:15:43.800 not going to be an immediate ten minute job and 0:15:43.880 --> 0:15:45.200 you go, Okay, I just need to do this, and 0:15:45.280 --> 0:15:47.520 it's sure it might happen that way, but if your 0:15:47.560 --> 0:15:49.840 goal really is a stretch or their goals that really 0:15:49.920 --> 0:15:52.640 excites you, it's going to require some time of thinking 0:15:52.680 --> 0:15:56.760 outside of the square, getting creative, and continuously adding ideas 0:15:57.160 --> 0:16:00.000 to your list as they come up to help you 0:16:00.040 --> 0:16:02.720 achieve that goal potentially sooner or over achieve that goal 0:16:02.760 --> 0:16:04.760 where you end up saving twelve thousand dollars instead of 0:16:04.840 --> 0:16:07.760 ten thousand dollars. And the big thing is with ideas, 0:16:07.840 --> 0:16:10.280 you've got to jump on them other ways they expire, 0:16:10.800 --> 0:16:13.400 jump on them, action them. And a great tip is 0:16:13.400 --> 0:16:17.840 to actually write down these ideas, these light bulb moments 0:16:18.440 --> 0:16:21.680 on your calendar so that when you look at your calendar, 0:16:21.720 --> 0:16:24.000 not only can you see the colored block, you can 0:16:24.040 --> 0:16:25.880 also see a list of ideas that you're going to 0:16:25.920 --> 0:16:28.560 be working on to help make that goal happen within 0:16:28.680 --> 0:16:31.920 that defined period of time. And you can also get 0:16:31.960 --> 0:16:34.640 excited when you look at this calendar as the next 0:16:34.680 --> 0:16:38.040 corresponding goal is to help build that momentum, and you 0:16:38.120 --> 0:16:40.440 can channel some of those ideas that worked into the 0:16:40.480 --> 0:16:44.320 next corresponding goal. And remember this, no idea that you 0:16:44.360 --> 0:16:46.080 come up with is silly. In fact, some of the 0:16:46.080 --> 0:16:48.120 weirdest ideas that I've ever come up with when it 0:16:48.120 --> 0:16:50.000 comes to your hustling up some extra money, have been 0:16:50.040 --> 0:16:54.040 the biggest and best strokes of genius. Okay, so let's 0:16:54.040 --> 0:16:56.560 sound work on to step four. And that's actually doing 0:16:56.640 --> 0:16:59.560 the inner work, even doing a little bit of inner 0:16:59.600 --> 0:17:02.640 child work if you like. So when you look at 0:17:02.680 --> 0:17:06.120 your financial game plan and you look at it through 0:17:06.160 --> 0:17:09.639 a personal growth point of view, you can really transform 0:17:09.720 --> 0:17:13.040 the personal growth with yourself and actually really see yourself 0:17:13.080 --> 0:17:16.879 evolve into a wiser person, a more resilient person, and 0:17:16.960 --> 0:17:20.000 also even a calmer person. So there are a couple 0:17:20.040 --> 0:17:23.720 of key questions I recommend you ask yourself. The first 0:17:23.800 --> 0:17:25.800 one is is who do I need to be to 0:17:25.880 --> 0:17:28.840 achieve these goals? Do you need to be more disciplined? 0:17:28.920 --> 0:17:30.800 Do you need to be more organized? Do you need 0:17:30.840 --> 0:17:34.439 to be more proactive? What are the mind shifts that 0:17:34.480 --> 0:17:37.600 you need to work on, strengthen and evolve in order 0:17:37.600 --> 0:17:39.840 to be able to help yourself achieve those goals? And 0:17:39.880 --> 0:17:43.719 that's the key word, help yourself achieve those goals. We 0:17:43.800 --> 0:17:47.720 really need to cut that stupid, toxic, negative self talk 0:17:47.840 --> 0:17:50.520 around money. We become what we think about. So you 0:17:50.560 --> 0:17:54.320 need to learn how to feed yourself the positive attributes 0:17:54.359 --> 0:17:56.280 that really actually do exist within you, and learn how 0:17:56.280 --> 0:17:58.920 to turn up the volume with those. The next question 0:17:58.960 --> 0:18:00.439 you need to ask yourself is how am I going 0:18:00.480 --> 0:18:03.119 to actually track my progress? Am I going to do 0:18:03.160 --> 0:18:05.679 a weekly check in? Am I going to do quarterly reviews? 0:18:05.680 --> 0:18:07.640 I am going I use an app or a spreadsheet. 0:18:08.200 --> 0:18:10.359 I'm going to find a mentor or a friend that 0:18:10.359 --> 0:18:12.919 can help make me accountable. These are the things you 0:18:12.960 --> 0:18:15.960 need to ask yourself, and of course, what are the 0:18:16.040 --> 0:18:19.160 daily habits that will help success? Set me up for success? 0:18:19.920 --> 0:18:22.639 I recommend you read your goals morning and night. I 0:18:22.680 --> 0:18:25.000 recommend that you speak to yourself in a very positive 0:18:25.040 --> 0:18:27.240 way about your future. Instead of saying I'm not good 0:18:27.240 --> 0:18:29.560 with money, say I'm learning about money. I'm working on money, 0:18:29.600 --> 0:18:32.800 I'm improving my financial situation day by day, and I 0:18:32.840 --> 0:18:35.280 feel proud, I feel excited about what the future lies 0:18:35.280 --> 0:18:38.960 ahead of me. The energy of those words are incredibly powerful, 0:18:39.000 --> 0:18:41.840 and people will start taking you far more seriously. The 0:18:41.880 --> 0:18:44.720 other thing I recommend is doing one small thing every 0:18:44.720 --> 0:18:47.600 single day it might be just one dollars to that 0:18:47.680 --> 0:18:51.280 savings account or one dollar towards your hextead. It seems silly, 0:18:51.520 --> 0:18:55.080 but that habit system is incredibly powerful, and things like 0:18:55.119 --> 0:18:58.399 habits like checking your budget through the Sugar Mamma Budget 0:18:58.400 --> 0:19:02.040 and cash Flow Academy recommend you check your budget twice 0:19:02.080 --> 0:19:03.679 a week. But you're not just checking your budget, You're 0:19:03.680 --> 0:19:07.320 also checking your transactions and your cash flow. So these 0:19:07.359 --> 0:19:10.119 small habits three hundred and sixty five days of the 0:19:10.200 --> 0:19:14.040 year can be incredibly powerful and you can build upon them. Sure, 0:19:14.080 --> 0:19:16.000 it might be one dollar being transferred to your HEXTEBT 0:19:16.080 --> 0:19:18.879 or your savings, a calendary, your home loan, but tomorrow 0:19:18.920 --> 0:19:21.919 it might be ten dollars. Again, these things really do 0:19:22.080 --> 0:19:24.800 add up, and it sends a powerful message to yourself 0:19:24.840 --> 0:19:27.600 in the universe about how serious you are about twenty 0:19:27.680 --> 0:19:31.840 twenty five being your year to shine financially, and of course, 0:19:31.920 --> 0:19:36.840 where you can automate good financial behaviors regular savings plans, 0:19:37.480 --> 0:19:42.240 dividend reinvestment plans, automatic savings, automatic debt reduction, even speaking 0:19:42.240 --> 0:19:44.080 to your employer about how you can potentially pay off 0:19:44.080 --> 0:19:47.760 your hex debts sooner, salary sacrificing so all of these 0:19:47.800 --> 0:19:52.000 small actions compounded can create massive results. And any of 0:19:52.080 --> 0:19:54.480 those keywords that you come up with in asking yourself 0:19:54.520 --> 0:19:57.359 about who need to be to achieve your goals, I 0:19:57.400 --> 0:20:00.959 recommend adding them to this calendar template that I'm going 0:20:01.000 --> 0:20:06.600 to give you because you can write down disciplined, early morning, riser, motivated, educated, 0:20:06.720 --> 0:20:09.480 write those keywords to trigger you and remind you to 0:20:09.680 --> 0:20:13.640 then have those real, true, authentic actions in your life. Again, 0:20:13.680 --> 0:20:15.679 I've created a little section within this template so you 0:20:15.720 --> 0:20:19.120 can use it for yourself, so you can really see 0:20:19.119 --> 0:20:21.520 about the internal work, because that's going to help this 0:20:21.640 --> 0:20:24.919 type of behavior and action happen organically when you feed 0:20:25.240 --> 0:20:28.560 yourself the right magical ingredients as to who you really 0:20:28.600 --> 0:20:31.960 are and allow that true essence of yourself shine for 0:20:32.000 --> 0:20:34.840 your financial goals. Now on a quick note of the 0:20:34.840 --> 0:20:37.399 whole deep dive of yourself. If you are looking for 0:20:37.440 --> 0:20:40.040 a financial mentor you are looking for someone to help 0:20:40.080 --> 0:20:43.119 keep you accountable, I run a program called the Sugar 0:20:43.160 --> 0:20:47.360 Mama Money Mindset and Manifestation Program. This is where you 0:20:47.440 --> 0:20:50.280 can have access to me, not for financial advice all, 0:20:50.320 --> 0:20:53.840 but someone can help you talk to about your motivation levels, 0:20:53.840 --> 0:20:56.360 can talk to you about your money mindset can help 0:20:56.400 --> 0:20:59.080 you brainstorm ideas as to how to potentially hustle up 0:20:59.160 --> 0:21:01.840 some extra money in your life. You essentially can lean 0:21:01.880 --> 0:21:04.400 on me as support and it's a once off fee. 0:21:04.520 --> 0:21:06.720 You have lifetime access to me. And of course you're 0:21:06.760 --> 0:21:08.440 part of our group and we all share the goals 0:21:08.480 --> 0:21:10.359 that we're working on, the things that we're doing with 0:21:10.400 --> 0:21:13.600 our mindsets to strengthen and inspire each other, how we're 0:21:13.640 --> 0:21:16.080 coping with setbacks and challenges which are naturally part of 0:21:16.080 --> 0:21:18.280 the way, and what we are learning and growing and 0:21:18.320 --> 0:21:21.359