OK, so I’m LOVING the Ariana Grande song 7 Rings.
Of course, I love to sing along; And knowing all the words help. The lyrics speak to the tune of having money to get whatever you want, whenever you want it.
“I see it, I like it. I want it, I got it.”
Now I’m not looking to have a philosophical entry on the song itself, or even the message it might be sending. I didn’t write it. But I really do like her song. <3
“Whoever said money can’t solve your problems
must not have had enough money to solve them.”
In a way, the song sings the praises of HAVING. IT. ALL.
Well, I’ve been doing my own version of just that and applying an “abundance mentality.” At the beginning of 2019, I decided to refocus how I perceive things… So don’t mind me, I’m just the girl wearing rose colored glasses, wearing a big smile on my face at the moment.
I’ve decided to choose what light to see things in. For instance, our 2019 financial goal is to PIF my SUV by the end of the year. That’s right, I don’t want to be paying on it come 2020. Let me inform you that for the record, we have 3 years left on the loan to pay on my vehicle.
That’s right! We’re half way through my loan term for my SUV, and determined to pay this thing off FAST. So fast that we’re getting 3+ years of payments done in ONE year.
So when I see things that I like and I want, instead of thinking, “I can’t afford that.” or “That’s too expensive!” or even, “It’s not in my budget this month.” I just rephrase my response and shift my thinking to: “I’m focusing on paying off my car first.”
By doing this, I’m viewing my actions of making multiple payments on my loan, as something positive, something that I’m CHOOSING to do. It becomes a focused action, and a priority. Not something negative and dreadful. This way of thinking has also helped with evaluating all of our household spending.
For me, part of having an abundance mentality is to “live the best life possible in the best way possible.” It means making decisions to increase our overall wellness and happiness. One thing we did in the beginning of 2019, was 2 major purchases… new mattresses for our beds. (Mine was 20 years old, it was time!) and we upgraded our living room. As Ariana said, “I got it.” Now that those few creature comforts have been secured, and paid for, back to the task at hand.
Now HOW is this going to be accomplished? Well, one part is hard work, thanks to Josh. He’s the one that makes it all happen. He works constantly, for our money; my job is to make the money work for us. So, the second part to the equation, is the budget, which is my responsibility. I have our entire financial year planned out. It’s a collective effort that we’re all on board for, as a family.
By taking the budget, and “finding” as much extra or left over money as possible, we should be able to hit our 2019 goal.
Sure, I won’t be going on shopping sprees, and partaking in retail therapy/ or retail addiction like Ariana, (LOL) but that doesn’t mean that I’m missing out.
Within our budget, there’s actually a little bit of fun money for each of us every month. Doing completely without can lead to a lot of rebellious overspending over time.
So far all left over cash is put towards the car loan, once everything is paid off and the spreadsheet shows we have money available to allocate to additional car payments. Between the past 2 months, January and February, there’s already been 3 additional payments towards the principal balance on the loan! YAY US! 🙂
One of my tricks, is staying out of the grocery store if at all possible, during the last week of the month. I basically have made some interesting “feasts” that I lovingly call a “make it work meal” – that I serve with my rose colored glasses and a big smile. We’ve been pleasantly surprised at some of the things we’ve come up with. Creativity in the kitchen.
This is just a way for me to find some extra money to throw at the loan. EVERY LITTLE BIT HELPS. And as we keep chipping away at the loan, it will decrease. Which I see as such a positive thing.
So it’s all on your personal POV – maybe you too can begin living in an abundance mentality. Come join me!