MamaGold20
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Wealth - Educate
Star this Commitment
Week 5 of 5
MamaGold20 commits to:
Wealth: I have never been good with money. Too impulsive, lack of self-control, general fear of numbers, etc. Carmi is not much better (but for different reasons). But it's time for that to change! The first step in this journey will be education.
- I will take one course on setting a family budget. - I will then take one course on investing for beginners, with a focus on retirement. - I will track my expenses daily and update a spreadsheet weekly.
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No more reports due
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My Commitment Journal
 HAPpymaman
January 5, 2023, 9:05 PM
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| Congrats! Sounds like a success! I encourage you to keep going with tracking. Get AT LEAST 4 months and you'll have a more accurate snapshot. Should you create a one-time commitment here to catch up with me about this in April? Like Tax day deadline for you to have completed these classes and to have tracked for 4 months straight? | |
 MamaGold20
January 5, 2023, 7:41 PM
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MamaGold20
January 5, 2023, 6:42 PM
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How to judge myself now that it is the end of the month: 1. Decided to take classes WITH Carmi (so we both have the info) but that meant delaying the classes. 2. We identified the 3 classes we want to take and have made a schedule (see next goal). 3. I tracked my spending. DAMN we spend a lot. Some is understandable (mortgage, utilities, tuition) but lots of fat to trim. Also identified some charges I wasn't expecting, leading to closing unnecessary accounts. 4. Carmi and I have talked A LOT about finances and really have our priorities straight. This month of tracking was supposed to be "no spending" and I felt like I had my hands tied behind my back at times. We need to tackle impulsive spending as well as bulk/stock up strategy. 5. I solo-reviewed: https://www.nerdwallet.com/article/finance/how-to-budget, https://www.additudemag.com/budgeting-tips-for-adhd-brains/, and https://chadd.org/for-adults/managing-money-and-adhd-saving-and-spending/. I discussed tips discussed here with Carmi. This is what led to our decision to take the classes together. 6. Carmi scheduled a free financial consultation through his work (1/12/23 I believe) Final grade: Successful. However, deferred payout. I gotta take those classes with Carmi if I want to earn the spending money. Also, I'm not ready to stop the spending tracking. I think I have keep it up for a full year. Next goal will be 3 months. FUTURE MEG: IF YOU WAIT UNTIL THE END OF THE WEEK TO REVIEW SPENDING, IT TAKES YOU 1+HOUR. IF YOU DO IT NIGHTLY, IT TAKES 3 MINUTES. YOUR CHOICE MAMA. |
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HAPpymaman
December 30, 2022, 1:51 PM
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| Have you started yet to decide a completion date? | |
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Dec 22, 2022 -
Jan 5, 2023
Displaying 1-4 of 5 results.
December 29 to January 5
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HAPpymaman
- Referee approval report
MamaGold20
- Committed user success report
December 22 to December 29
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HAPpymaman
- Referee approval report
MamaGold20
- Committed user success report
December 15 to December 22
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HAPpymaman
- Referee approval report
MamaGold20
- Committed user success report
December 8 to December 15
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HAPpymaman
- Referee approval report
MamaGold20
- Committed user success report
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