Personal finance

Download my zero dollar annual budget template!

The biggest thing that has helped me with my personal finance goals is making a budget. There are lots of different types, I've found a 'zero dollar format' works best for me. You assign each dollar to a different spend category, or to savings, at the beginning of each payday. This helps pay yourself first,… Continue reading Download my zero dollar annual budget template!

Goals and values

Choose a New Year’s focus instead of a New Year’s resolution

Almost all of my past New Year's resolutions have been lifestyle changes where I commit to stop a bad habit or start a new one. I never managed to keep them because my motivation would disappear as soon as I broke them and I started to fail. My real problem was that I was measuring… Continue reading Choose a New Year’s focus instead of a New Year’s resolution