Reaching financial independence has nothing to do with luck.

It’s not overly complex but a matter of setting good financial goals and having a plan as to how you will achieve them.

Once that plan working toward those goals becomes part of habit achieving financial independence is possible. Get on track to a sustainable future.


  • calculator
  • create a diary – of spending
  • websites for reliable information, original source
  • youtube
  • coupons and savings tips for all areas of life



  • how big is your debt ? get rid of the high interest paying debt !
  • pay for things with cash amounts you can safely afford
  • understand credit dangers of rates and accumulation of greater debt


  •  debt in relationship to : your cash and other assets 
  • how well do you manage money and where can you start to improve-assess


  • how responsible are you in helping yourself to achieve your financial freedom
  • tips for change steps
  • making and following a plan


  • old habits
  • new habits


  • taking care of yourself
  • commitment
  • moderation and balance 



identify and list your financial goals

costs, target date, how much money you need, and budget for these goals

  1. short term goals 6 months or less
  2. long term goals 1 year
  3. long term planning 1 year plus


Be realistic about how much time and money it will take to accomplish goal.
Keep your motivation by revisiting your goal list frequently to check on progress.
Setbacks will happen. If something throws you off of your target date, don’t give up

– set a new date, or find a way to catch up.

Realize goals need to be limited, or focused and prioritized


1. track spending

notebook and a pen you can transfer your handwritten notes to a computer spreadsheet reports/statements, bank 
tracking monthly or semi-annually

family budget and a balance sheet

3. update my personal budget
start budgeting and tracking expenses as soon as they begin their first full time job

revisit as raises, marriage, the birth of children, and divorce or other events come up

4. professional

tax advisors, credit counselors, financial planners, and lawyers can help,

also for free librarians, organizations and meetup groups to create good habits
5. personal balance sheet
calculates your net worth (what you own) with liabilities (what you owe).

The difference between the two is your personal net worth ( + or _

once you know your current net worth setting goals is easier !



expect the unexpected  “unplanned” expenses 
automatically save from your paycheck to a savings account

extra money that you don’t normally rely on, save !


Common sense and flexibility are important.

Realistic goals are doable goals-and doing them incrementally.




Happiness or sustainability is somewhere between too little and too much.

*If you have an area in your life where your spending is a bit over-

you can work on it, you are worth it.

areas of common over spending:


dining out

clothes, shoes


buying a house that is too big

drinking coffee and having work day lunches out


~ thanks for visiting the blog~

your comments are welcome

Audrey Lynn