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affirmations

Daily affirmations for success!

Imagine this: You wake up in the morning, pour yourself a cup of coffee (or tea/orange juice), and write out some success affirmations in your journal.

How do you feel? Calm? Relaxed? Ready to smash your goals!

Let’s face it, success tastes so SWEET!

I bet whenever you crush your goals, you’re on a high! It’s especially powerful when there were obstacles in the way that should have prevented you from achieving your goals, and you reached them anyway.

But before you get to that place of success, you might be feeling impatient and inadequate. It’s easy to get sucked down the drain of self-doubt if it’s taking longer than expected.

And self-doubt can have an effect on our health and life vitality in a way we don’t want.

 

 

What’s an affirmation?

A positive affirmation is a statement used to challenge a negative and unhelpful thought.

By repeating a positive affirmation, you begin to challenge your unhelpful subconscious thinking patterns and replace them with more realistic and helpful ones.

They can be used to boost your self-esteem, help you achieve your goals, or help you push through fear.

Affirmations have been incredibly useful to me. They’ve helped me, time and time again, to break out of negative thinking patterns and to build healthier ones.

In the past, I’ve used them to boost my confidence, push through fear, build boundaries in life, and to find greater joy in life.

Today though, I’m looking for some to achieve success. If you’ve been going through something similar, I hope these affirmations will remind and empower you to be your authentically incredible selves!

Choose one affirmation that speaks most to you (or write your own version!) and repeat it to yourself each morning.

 

Using Affirmations for Achievement

Affirmations are a great way to counter any soul-crushing doubt and keep your motivation high. The morning is the perfect time to use them to set yourself up for success all day.

If you use these success affirmations and feel deep emotion as you are reciting your affirmations, they help to put you into the right mindset and stay focused on your goals.

That doubt will begin to disappear and you’ll stay motivated to meet your goals and live the life of your dreams!

Practicing your motivational affirmations in the morning can help forge those neural pathways in the brain that will help lead you to making better choices, staying focused, and staying motivated all day long.

daily-affirmations-for-success

Remember, affirmations that work are positive, powerful, and present tense.

Negative words can distract you and detract from your goals. So, you’ll find none here!

Find the affirmations that resonate most with you, write them down, recite them, and view them every day.

Here are 100 affirmations for success.

Related posts:

Want more affirmations? See our post below for daily positive affirmations:

 

 

Daily affirmations for success

Remember, these are daily affirmations for success, not one-time affirmations.

Repetition is key.  Feeling that these things are out there and are already yours is key.  Life externalises from your thoughts and beliefs.

  1. I am successful.
  2. I am a magnet for success.
  3. Love, health and success are attracted to me.
  4. I have unstoppable confidence within me.
  5. Life just feels great all of the time.
  6. There is always a way if I am committed.
  7. I am so excited because all of my dreams are coming true.
  8. Great things always seem to come my way.
  9. I am a naturally happy person.
  10. I am a naturally confident person.
  11. Opportunities just seem to fall right into my lap.
  12. I am full of energy and life.
  13. I am a good person who deserves success and happiness.
  14. I love myself for who I am.
  15. Everything always works out for me.
  16. I am highly motivated and productive.
  17. It doesn’t matter what others think of me, for I know who I am.
  18. I am a centre for positivity, joy and love.
  19. I am incredibly grateful for all of my success.
  20. I use positive thinking to manifest a positive life.
  21. I choose to think positive and create a wonderful life for myself.
  22. I find it easy to succeed at everything I do.
  23. People look at me and wonder how I so naturally attract success.
  24. I think BIG.
  25. I act fearlessly.
  26. The universe always provides for me.
  27. I am so happy and grateful for my life.
  28. Things have a way of working themselves out.
  29. I have such an amazing life.
  30. I am so lucky.  Life is rigged in my favor.
  31. I love who I am and I love my life.
  32. My goals and dreams always come true.
  33. I am passionate about constantly being better and more successful.
  34. Somehow the universe just always helps me achieve my goals.
  35. My dreams are materializing before my very eyes.
  36. The wealth of the universe is circulating in my life and flowing to me in avalanches of prosperity.
  37. Money wants me.
  38. I am very motivated, driven and ambitious.
  39. I can easily pick myself up and lift my spirits when needed.
  40. I find it easy to be optimistic.
  41. I only permit positive thoughts to remain in my mind.
  42. Wealth is all around me.
  43. I am surrounded by abundance.
  44. When I go after what I want, it comes to me.
  45. My mind is a magnet for all good things.
  46. I have success in all areas of my life.
  47. I am grateful that I am so healthy, happy and successful.
  48. Success comes naturally to me.
  49. Everything I do always results in great success.
  50. I can never fail, for everything that happens contributes to me being better.
  51. The seeds of my greatness lie in my mind.
  52. I am love, health and wealth.
  53. My affirmations for success always bear fruit.
  54. Others are inspired by my success.
  55. I am incredibly successful.
  56. I am decisive, confident and take action.
  57. It is so easy to achieve my goals.
  58. The universe is friendly and helps me to achieve my dreams.
  59. Right now, I am exactly what and where I want to be.
  60. Others are attracted to me because I am always successful.
  61. I continuously enhance all areas of my life.
  62. Life just keeps getting better and better.
  63. Every day I move closer to my goals and dreams.
  64. I am resilient, persistent and dedicated.
  65. I have the will and desire to reach unlimited heights of success.
  66. I can and will achieve whatever I set my mind to.
  67. I deserve success.
  68. I give of myself and the universe showers me in rewards.
  69. Wealth and success are normal for me.
  70. I am happy, healthy and wealthy.
  71. Life is an incredibly exciting and beautiful journey.
  72. The vision within me is creating the world around me.
  73. I am full of boundless positive energy.
  74. I see happiness and success wherever I go.
  75. Everywhere I go I create joy, love and success.
  76. Success comes from my mind.
  77. My beliefs determine my reality and I am the master of my beliefs.
  78. There is nothing I cannot do.
  79. I am a force for positive change.
  80. Happiness and success are automatic for me.
  81. My positive affirmations for love and success always work.
  82. I have the power to create my life the way I want it.
  83. I can move mountains with my mind.
  84. I believe deeply that I can achieve anything.
  85. Every day I am more and more successful.
  86. Success comes effortlessly to me.
  87. My life is filled with abundance and prosperity.
  88. It is so easy for me to succeed, even in the face of criticism.
  89. I know what I want and I achieve it.
  90. I can motivate myself with the snap of my fingers.
  91. I am strong, powerful and confident.
  92. I am destined for greatness.
  93. Life is a great adventure.
  94. Today I will take steps towards realizing my dreams.
  95. Everything I could every want or need is already out there, waiting to come to me.
  96. I feel refreshed, excited and determined to excel today.
  97. I can get myself in the right state of mind easily and in an instant.
  98. My thoughts create my reality and I am the master of my thoughts.
  99. I am in charge of my life.
  100. My thoughts and ideas are the seedlings of my success.

 

 

Daily affirmations for success – Final thought

You now have an idea of everything about affirmations for success. It’s now your turn to pick the affirmation that are relevant to you and say them to yourself on a daily basis.

Affirmations are not something that you simply say once off and expect to see massive improvements.

The secret is repetition (do it regularly) and feel each word as you say them, experience what you’re saying.

Wait and see how affirmations will change and improve your life for the better.

Which of these affirmations for self-esteem resonates the most with you today?

Comment below, feel free to ask me questions. I am more than happy to answer anytime.

Share these affirmations and you may just transform somebody’s life!

If you found this post useful, you might want to save THIS PIN below to your Pinterest Self-Care board for later!

affirmations

 



affirmations

Daily affirmations for self esteem

Today I will talking through daily affirmations for self-esteem and how they can have a positive impact on your mindset.

Self-esteem is how much you appreciated yourself. How much value you put in yourself? In other words, self-esteem is feeling good about yourself.

Using positive self-esteem affirmations can aid you in increasing your positive view of yourself.

Sometimes we are going through hard situations in our lives and need a little booster to feel better and affirmations could be what makes the difference in our day.

Affirmations for self-esteem can help you feel better and help you start developing more self-love.

Practicing affirmations could be an easy and quick way of raising your energy and your spirits in the mornings, or can used throughout the day if you need a pick me up mentally.

Affirmations are definitely a good to start your day!

I start my day with morning affirmations and have created a routine. Affirmations are short phrases you can use every day.

Just repeat them and believe in them as you are saying them.

 

 

What’s an affirmation?

A positive affirmation is a statement used to challenge a negative and unhelpful thought.

By repeating a positive affirmation, you begin to challenge your unhelpful subconscious thinking patterns and replace them with more realistic and helpful ones.

They can be used to boost your self-esteem, help you achieve your goals, or help you push through fear.

Affirmations have been incredibly useful to me. They’ve helped me, time and time again, to break out of negative thinking patterns and to build healthier ones.

In the past, I’ve used them to boost my confidence, push through fear, build boundaries in life, and to find greater joy in life.

Today though, I’m looking for some to boost my self-esteem. If you’ve been going through something similar, I hope these affirmations will remind and empower you to be your authentically incredible selves!

Choose one affirmation that speaks most to you (or write your own version!) and repeat it to yourself each morning.

Let’s boost your self-esteem!

 

How to practice affirmations for self-esteem?

These are lots of ways to use affirmations and people use them differently. Some people speak them into a mirror on a morning, others run them through their minds when negative thoughts begin to plague them.

I have a different method of doing my daily affirmations that may work for you if you like to journal. Every day, I choose one affirmation that resonates with me and write it in my journal.

I find that repeating the affirmation throughout the day to myself gradually helps change my thought process over time.

daily-affirmations-for-self-esteem

Affirmations are not a quick fix for mental health problems. Like any thought changing behaviour, they take time, patience and a lot of practice.

Our negative self-talk builds up over time and it can take some time to alter these thought patterns. I promise that you are more special than you believe.

You can get started with this list of 100 affirmations for self-esteem below. I hope they help to inspire and motivate you towards a healthier mindset.

Related post:

Want more affirmations? See our post below for daily positive affirmations:

 

 

Daily affirmations for self esteem

  1. I love my body and all it does for me
  2. I am enough
  3. I am worthy of love
  4. I respect my own boundaries
  5. Today, I choose me
  6. I love the woman/man that I am
  7. I am loved
  8. I am deserving of love
  9. I am kind to myself
  10. Love flows from within me
  11. I am beautiful, inside and out
  12. I embrace my unique individuality
  13. I deserve happiness
  14. I let go of negative self-talk
  15. I am whole
  16. Everything I need is within me
  17. I am in control of my happiness
  18. I am capable of reaching my goals
  19. I accept myself unconditionally
  20. I do not let my fears hold me back
  21. I am grateful for all that I have
  22. I make time to care for myself
  23. I love and accept all of me
  24. Loving myself comes easily and naturally
  25. I am strong and resilient
  26. I am successful
  27. My capacity for love is infinite
  28. I let go of those who do not have my best interests at heart
  29. I let go of my past and live in the present
  30. I am growing each and every day
  31. I forgive myself and learn from my mistakes
  32. I am a work of art
  33. I am valued
  34. I allow myself to feel deeply
  35. I am open to receive love
  36. I love the body I was born with
  37. I can achieve anything I set my mind to
  38. I overcome challenges with grace and ease
  39. I have a warm and caring heart
  40. I am exactly who I need to be in this moment
  41. I send love to my fears and doubts
  42. I deflect negativity
  43. I believe in myself
  44. I can say no when something does not serve me
  45. I let go of that which no longer serves me
  46. I accept compliments easily
  47. I release any need for suffering
  48. I have a lot to offer the world
  49. I love every part of what makes me who I am
  50. I am blanketed in the Universes’ loving energy
  51. My life is filled with love and joy
  52. I have always and will always try my best
  53. I have achieved great things
  54. I respect myself
  55. My life is a place of balance and harmony
  56. I have the power to change my world
  57. I choose to stop apologizing for being me
  58. I am not my mistakes or my flaws
  59. Others accept and love me for who I am
  60. I prioritize myself and my needs
  61. I radiate confidence
  62. My mind is filled with loving thoughts
  63. I attract positive and loving people into my life
  64. The more I practice loving myself, the more lovable I become
  65. I let love in
  66. I let my love for myself increase each day
  67. Love flows freely from inside of me
  68. I practice self-compassion when I do not succeed
  69. I honour my own life path
  70. I honour and respect my limitations
  71. I have so much to love about myself
  72. My life is a reflection of the love inside me
  73. The only approval I need is my own
  74. I radiate love
  75. I love my own company
  76. I do not need anyone to feel worthy
  77. I attract love and light
  78. I release the need to judge myself negatively
  79. Today I start loving myself more
  80. I am capable of loving fully and completely
  81. I treat my body with love and care
  82. I am powerful and confident
  83. I trust in my ability to make it through difficult times
  84. I trust my intuition
  85. My life is full of endless opportunities for success and happiness
  86. My inner world creates my outer world
  87. I reward myself for my hard work and dedication
  88. I am balanced
  89. The universe supports me, always
  90. I have a loving relationship with my body
  91. I can choose self-love whenever I desire
  92. Loving myself means I am able to love others more
  93. I have a positive and healing effect on others
  94. I have so much to celebrate in life
  95. I am proud of myself
  96. I choose to view my life positively
  97. My body is my best friend
  98. I choose to nourish my health
  99. I am the healer of my own life
  100. I am love

 

 

Daily affirmations for self-esteem – final thought

You now have an idea of everything about positive affirmations. It’s now your turn to pick the affirmation that are relevant to you and say them to yourself on a daily basis.

Affirmations are not something that you simply say once off and expect to see massive improvements.

The secret is repetition (do it regularly) and feel each word as you say them, experience what you’re saying.

Wait and see how affirmations will change and improve your life for the better.

Which of these affirmations for self-esteem resonates the most with you today?

Comment below, feel free to ask me questions. I am more than happy to answer anytime.

If you found this post useful, you might want to save THIS PIN below to your Pinterest Self-Care board for later!

affirmations

 



one-income

How to live on one income? Simple Guide

Today I will be talking about how to live on one income in a two income world.

It is hard to overcome the emotions and the feelings of living with less money.

However, it doesn’t have to be that way. It is easy to thrive when living on one income.

Life is about happiness – not money. Money doesn’t equal happiness.

It doesn’t matter the reason you may have choose or been forced into living on one income.

That isn’t what we are going to discuss today. Life happens.

Living on one income in a two income world may have been what you wanted, or it was thrown upon you. Regardless, you can survive and thrive in your current situation.

So, in the end, you don’t need more money in your life. Just to be purposeful with what money you have.

You can live on one income!

You may be still wondering, so… how do people survive on a single income? We are going to cover that and give you specific ways to living on one income.

Plus, you can find plenty of tips to make it more enjoyable and find success!

 

 

How to live on one income?

Today, we are going to layout the exact information you need to be successful with living on one income.

You will find the process harder at the beginning, but over time it will become easier and easier.

Whether you want to stay at home parent, a health issue, a forced layoff, or a personal choice, you are going to find tips for living on one income.

 

Make a budget

All of my posts seem to start with “you need a budget”, but without one, your finances will never improve.

If you’ve been avoiding doing a budget because you think a budget is restrictive, I’m going to tell you that’s the furthest thing from the truth.

A budget is freedom and what you will most likely find from doing one is that you’re going to feel like you got a big, fat raise!

I’ll never forget the first time I did a budget. We had so many leaks in our finances. What I mean by that is that we were making too much money to be as broke as we were.

But the problem was we had no idea where the money was going.

how-to-live-on-one-income

When you first start budgeting, it’s not only a good idea but absolutely necessary to track your spending.

This will give you a clearer picture of where your money is actually going.  A great place to start would be to begin writing everything that you spend, down.

After a month, you will begin to see a clear picture. Your bank statements are another excellent resource for finding out where your money went.

When I put everything down on paper, I found money that we didn’t know we had and where the leaks were in our budget.

You’ll be amazed that when you begin to give every dollar/pound a name, you’ll most likely have more money to work with.

Related post:

Would you like to know how to create a budget, but don’t know where to start? Then see the post below:

 

 

Check your habits and track your spending

Always track your spending and be aware of their money routes. If you will not track your spending, your budgeting will not be as efficient as it should be.

Before budgeting for your next month, when you track your last month’s spending, it becomes easy to create a budget and make any changes you need for your next month.

You might agree with me that every purchase we make seems to be very important to us. We are living in a materialistic culture, where much of the attention is given to owning things, even if we don’t need it.

I think you will agree with me on this one that If you want to achieve financial freedom, you have to track your spending and figure out the unnecessary purchases.

It will be easy to figure out your budget when you know, exactly where your money is coming and where it is going. There are a lot of apps to track your expenses but you can do it old school way also.

Take your pen and paper, and start writing down your expenses. This is the best habit you can develop to stay debt-free.

Related post:

Would you like advice on cutting down your monthly expenses, but don’t know where to start? Then see the post below:

 

 

Decide your debt payment

There’re two schools of thought on a debt payment approach.

Whichever option you choose, you start by making minimum payment for all debts.

Then you pick one debt to attack at a time.

In choosing which debt to attack first, you have two options: you either pay down the debt with a high interest rate (the debt avalanche method) or attack the smallest debt, regardless of interest rate (the debt snowball method).

The Debt Avalanche Method

Choosing the debt with the highest interest rate. 

This debt payment method will save you more money than the debt snowball method, since you repay the debt with a high interest rate first.

If saving money on interest rates motivates you, go with this method and work your way down from the high interest rate debts.

The Debt Snowball Method

Choosing the smallest debt regardless of interest rates. 

This debt payment method plays on our psychology than a monetary gain.

If you have, say, 5 credit cards debts, paying off the smallest debt gives you a sense of victory and achievement early into your debt paying journey.

It may cost you more money than the debt avalanche method, but encouragement from an early win inspires you to continue attacking the remaining debts.

 

 

Set specific financial goals

Having financial goals is great because it keeps you motivated to work towards something you actually want to achieve.

Financial goals are very subjective and not one size fits all. One person’s financial goal might be to become a millionaire by 50, and another person’s goal might be to get out of debt by 30.

It all depends on you and your specific circumstances.

Once you know what your goals are related to your finances, you can start coming up with a plan.

goals

If you are someone who has a lot of debt and wants to pay it off before you turn 30, look at how much you owe. Then, calculate how much you would have to pay every month until you reach 30 to pay it all off.

Sometimes, you may find that you can’t reach those goals in the exact time-frame you set out for yourself.

And that’s ok. In that case, set smaller goals which will ultimately get you to your bigger goals and to where you want to be with your finances.

Related post:

Want help setting goals? See my post for setting SMART financial goals:

 

 

Have an emergency fund

Take some of the stress out of life by building up a solid emergency fund for rainy days.

It’s not a case of if you’ll need that money someday, it’s when.

Boilers break, cars need repairing, jobs don’t work out and unexpected bills can land on your doorstep at any moment. If you’re not financially prepared for these situations, then you can end up resorting to credit cards or loans to help you out. That’s how you end up in serious debt, and it makes an already stressful situation much, much worse.

Work on building up a rainy-day fund that’s enough to cover 3-6 months (or more if you can!) worth of bills and living expenses should you not be able to work for any reason.

Related post:

Would you like to know how to create a emergency fund, but don’t know where to start? Then see the post below:

 

 

Pay your bills on time

I cannot stress the importance of making sure you pay your bills on time. I know there are situations that occur that are sometimes out of our control but being financially savvy and creating good money habits is about avoiding debt and financial trouble.

There are legitimate reasons why you may not be able to pay your bills on time but there are also reasons that just boil down to not making the correct money decisions.

Your bills should come before anything else. That’s why I always recommend paying your bills as soon as you’ve been paid. That way all the important stuff is out of the way and you don’t have to worry about keeping your money back to pay off your bills.

Aligning all your bill payment dates is another really handy tip to ensure that your bills are all getting paid on time. Make sure all your bills have the same payment date or are very close together rather than being spread out across the month.

 

Negotiate your bills

Unfortunately, you can’t cut them completely but chances are you can lower them. Most people miss this one because they think bills are bills and there’s nothing you can do about them, but that is the farthest thing from the truth.

Start by calling around to make sure you have the best deal. 

reduce-your-expenses

You can also cut your heating bill by 3% for every degree you move your thermostat.

Many companies offer a discount if you sign up for autopay. Make sure to ask because sometimes they only apply the discount if you ask for it.

We also cut our internet bill in half by asking about their current promotions. This alone saved us £360 this year. Once you start adding up all savings you found on bills, you’ll find several hundred pounds/dollars in savings

 

Know the difference between want and need

Another important habit to have is the ability to know the difference between a want and a need. Making a poor purchase on a want will give you temporary satisfaction, while buying something that you need will be enjoyed long after and won’t be a straining burden on your finances.

When you’re weighing a purchase, you need to take a look at whether it will add more value to your life, or if it will be a setback in your long-term goals.

That’s not to say that you should never buy something that brings pleasure, but you should always consider what value it adds to your life.

Related post:

Would you like to know how to complete a no spend month to save money? Then see the post below:

 

 

Save save save

This might sound strange but it’s so important to save if you can.

For a long time, we didn’t save any money, partly because we felt that we weren’t in a financial position to be able to do so but also because we just weren’t used to it.

Saving actually felt like a punishment.

In order to save money, you have to have a positive attitude towards it.

You must habitually, purposefully do it otherwise you won’t do it at all. Believe me, I’ve been there.

In the past, the only time I have successfully managed to save was when there was something that I really wanted and my goal was to reach it.

Like the time we needed a bigger house or the time we needed a second car.

Set yourself saving goals, long term ones as well as short term goals. This will make it so much easier for you to save up your money.

 

 

Have a positive money mindset

A money mindset is the attitude you have towards your financial situation.

If you have a negative mindset and continuously think this is the best you can do and it won’t get any better, then that’s where you’re going to be stuck.

If you always focus on what’s wrong, it’ll be impossible to stay motivated. By changing to a positive money mindset, you’ll start making better choices about your finances.

People who are never broke know that money always comes back to them. Just keep thinking to yourself or saying there’s more where that came from.

Related post:

Would like to learn more about how implementing a money mindset can help you achieve financial freedom and live a happier life? Then the post below:

 

 

Put side-hustle money to one side

I made the decision that any side hustle money was to be put in a separate pot.  I’m not what motivated me to do this in the first place but it worked wonders.

Seeing my side-hustle income grow independently made me realise how hard I hard been working to achieve it.  It also inspired me to make more.

When the figure didn’t grow much over one month, it would give me a kick up the bottom to find more ways of producing income.

Related posts:

Interested in earning some extra cash through a side hustle? Then see the posts below:

 

 

How to live on one income – Final thought

If you want to live off of one income then you need to work out a plan together. If you aren’t on the same page then it will be hard to manage your finances.

Plan out a budget together and discuss what goals you want to accomplish financially and how you will do that.

I hope these steps were helpful. Living on less is completely achievable with a little bit of work and a lot of consistency!

If you found this post useful, you might want to save THIS PIN below to your Pinterest Debt board for later!

one-income



Quickest Way To Pay Off Debt!

Today I will be talking you through the quickest way to pay off debt.

Britain is in the midst of a debt crisis. The average UK citizen now owes a whopping £8,000 in debt – and that’s not even including their mortgage payments!

There are millions of people out there who can’t make ends meet, pay off debt and living payday to payday. They worry that a debt-free future will forever remain an impossible dream.

Here’s another shocking statistic: The Financial Conduct Authority reports that 4.1 million UK adults are in financial difficulty.

This means that they are struggling to pay domestic bills and manage their credit repayments.

 

 

Are you swamped in debt?

Are you one of those people sitting on a pile of debt and looking for the fastest way to pay it off?

Depending on the amount of debt, paying off debt can take years.

This might sound frustrating, but think about how long it took to accumulate debt.

Whether it’s a student loan, credit card debts, personal loans, car loans, or a combination of all, we have accrued debt over a long period of time.

quickest-way-to-pay-off-debt

So, make peace with the existing debt and the time it’ll take to pay off – it’s what it is – and most of all, give yourself a pat that you’re looking into ways to pay off debt and take action.

It’s the burying our head in the sand that makes us miserable, depressed and stressed. 

The moment you decide to take action and tackle debt (as you are now!), you reclaim a control of your finance.

You no longer let your debt situation bring you down.

By the time you finish this post and implement the suggestions outlined, you’ll feel more optimistic about paying off debt with an actual plan to make debt go away in the shortest time possible.

 

Quickest way to pay off debt

Here’s the first thing you need to do to pay off debt quickly.

 

Know all your debt

If you have paid little attention to each debt or avoid knowing exactly how much your total debt is, now is time to get up close and personal with all your debt.

We want to know everything about the existing debt, e.g., the type of debt, the amount, interest rate, the minimum payment and the payment due date.

I suggest you dedicate a notebook for this and write down everything.

Related post:

Would you like to learn more about advice on how to pay off debt, but don’t know where to start? Then see our posts below:

 

 

Take one snap shot of debts

Expanding on the above, devote a page of your chosen notebook to list all your debts in details.

Write them down with details: the type of debt (credit cards or store cards), the amount owed, interest rate, the minimum payment and due date.

Now you have a full picture of how many debts you have and the total amount of debt.

This one-page summary tells you exactly where you stand right now.

 

Decide your debt payment method

There’re two schools of thought on a debt payment approach.

Whichever option you choose, you start by making minimum payment for all debts.

Then you pick one debt to attack at a time.

In choosing which debt to attack first, you have two options: you either pay down the debt with a high interest rate (the debt avalanche method) or attack the smallest debt, regardless of interest rate (the debt snowball method).

The Debt Avalanche Method

Choosing the debt with the highest interest rate. 

This debt payment method will save you more money than the debt snowball method, since you repay the debt with a high interest rate first.

If saving money on interest rates motivates you, go with this method and work your way down from the high interest rate debts.

The Debt Snowball Method

Choosing the smallest debt regardless of interest rates. 

This debt payment method plays on our psychology than a monetary gain.

If you have, say, 5 credit cards debts, paying off the smallest debt gives you a sense of victory and achievement early into your debt paying journey.

It may cost you more money than the debt avalanche method, but encouragement from an early win inspires you to continue attacking the remaining debts.

 

 

Pick one that suits you

Know your psychological tendency and pick the method that will serve you better in eliminating overall debt.

If you’re an emotional spender, for example, the debt snowball method will highly likely work out better for you.

quickest-way-to-pay-off-debt

Remember, there’s no right or wrong.

The one you choose is the right one for you.

Once you’ve chosen the right method, consult your one-page summary above and pick your first debt to attack.

Related post:

Would you like learn more about bad money management? Then see out post below:

 

 

 Automate your payments

Having made a list of all debts, decided the right debt payment method and picked the first debt to attack, set up an automate minimum payment for all debts, so you never miss payment and incur fees.

It also frees up your mental energy for other important things with one less decision to make.

And it stops you from dwelling on debt until it’s time to review it.

 

Throw all the money into one debt

Having set up a minimum payment for all debts, it’s time to laser focus on the one debt you have picked to attack.

Throw every spare money into paying down the debt.

Whether you receive unexpected money, a bonus from work or an extra income from side hustles, the spare money goes to this one debt until it’s paid off.

And do this relentlessly until you pay off all debts.

 

Be realistic with debt payment

Yes, throw all spare money into paying down debt and be reckless, but make sure you take care of your needs first.

Planning to eat ramen every day until you pay off debt, for example, will backfire your debt pay off plan.

Not only will it make you unhealthy and miserable, you’ll most likely give up.

It’s better to have a realistic goal and see it through than beaten by an unattainable goal, back to the square one and feel bad about it.

Related post:

Would like to learn more about how implementing a money mindset can help you achieve financial freedom and live a happier life? Then the post below:

 

 

Enjoy detoxing from spending

Debt paying off journey is an opportunity to detox ourselves from spending.

Buying quality stuff to enjoy a comfortable life is one thing, attaching so much meaning to material possessions is a whole different story.

By putting a lid on mindless and emotional spending, we regain control of ourselves and our life, focusing on what’s really important to us.

Related post:

Would you like advice on cutting down your monthly expenses, but don’t know where to start? Then see the post below:

 

 

Read good finance books

Learning is always good, but reading finance books during your debt pay journey is even better.

Good finance books will inspire you to keep up with paying off debt and help you understand why you do what you do.

Besides, we all can benefit from learning the magic of compound interest that enables us to live a financially independent life.

 

Be aware of friends and family

Keep financially savvy friends close – those who are on the same journey as you – and stay away from friends who encourage you to spend money.

Peer pressure is one of the most meaningless things, but difficult to let go.

Make it easier for you by hanging out with the right people so you can maintain your debt pay off commitment.

 

Keep 10% for yourself

This important principle in building personal wealth is based on pay for yourself first budget.

You might think saving is the last thing you want to do when you’re buried deep under debt, but saving for yourself makes you feel secure about unforeseeable events in the future.

Saving also boosts your spirits as, by saving, you know your life isn’t just about being a slave to debt but learning discipline, figuring what’s truly matter in life and preparing for your future.

 

Ditch your credit cards

If you’ve accrued debt from various credit cards spending, it’s time to reset your money habits and eliminate temptation of spending.

You can definitely undo bad money habits.

Start by leaving the monsters at home!

Do not carry credit cards. Don’t go online shopping. Don’t get tempted by bargains/sales.

credit-card

Do not rationalise your spending with:

It’s only $/£5

Oh, it’s buy 1 get 1 free – I’ll need it 6 months later…

If not buying today doesn’t inconvenience you, you probably don’t need it.

Racking up more debt will seriously hamper our progress.

Learn to live without credit cards by practising cash only challenges regularly.

I can tell you from my experience that it’s not only beneficial to our bank balance, but it’s also fun.

Related posts:

Want to learn more about paying off credit card debt? Then see out post below:

 

 

Add a side-hustle

Increase Your Earning Power, hustlers are everywhere, you can be one too.

Start hustling while keeping your day job.

Not only will it make you money, you’ll also discover your new passion or/and talent.

You’ll be more conscious about the way you spend time, learn tons of stuff, increase your skillsets, become a more valuable/high skilled employee, have a better chance of promotion and pay increase or, who knows, go on becoming the next millionaire!

Most of all, you haven’t got time to check out what’s the next shiny thing to buy!

Related posts:

Interested in earning some extra cash through a side hustle? Then see the posts below:

 

 

Quickest way to pay off debt – Final Thoughts

If you follow the suggestions outlined in this post and take immediate action, trust me, money worries will go away as you take control of your finance.

Look at your one-page summary, think about your motivational factor as mentioned, set up an automate payment for all debts, choose your first debt to attack, throw all the spare money into it and repeat the process until debt becomes history.

With a solid debt pay off plan in place, you’ll start enjoying a money stress free life even if you have debt.

Debt no longer brings your spirits down because you’ve taken the control of it.

You start shifting your attention to things that bring you joy and start living.

If you found this post useful, you might want to save THIS PIN below to your Pinterest Debt board for later!

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Improve your finances – Simple Guide!

Today I will be talking about how you can improve your finances.

Have you ever looked at your finances and wondered what you could to do to improve them? Even if you are in a great financial position, I am sure there is something you may want to change.

If you’re struggling to handle your money and stressed about paying the bills, good financial management can seem out of reach. But your finances can improve with a bit of ongoing effort and diligence.

Just like improving your tennis swing or your piano playing, you can develop smart money practices with some practice each day too.

Your financial situation won’t change overnight, but you’ll find yourself more knowledgeable about finances and better at money management over time.

Here’s some tips on how to improve your finances.

 

 

Improve your finances

Make a budget

All of my posts seem to start with “you need a budget”, but without one, your finances will never improve.

If you’ve been avoiding doing a budget because you think a budget is restrictive, I’m going to tell you that’s the furthest thing from the truth.

A budget is freedom and what you will most likely find from doing one is that you’re going to feel like you got a big, fat raise!

I’ll never forget the first time I did a budget. We had so many leaks in our finances. What I mean by that is that we were making too much money to be as broke as we were.

But the problem was we had no idea where the money was going.

When you first start budgeting, it’s not only a good idea but absolutely necessary to track your spending.

This will give you a clearer picture of where your money is actually going.  A great place to start would be to begin writing everything that you spend, down.

After a month, you will begin to see a clear picture. Your bank statements are another excellent resource for finding out where your money went.

When I put everything down on paper, I found money that we didn’t know we had and where the leaks were in our budget.

You’ll be amazed that when you begin to give every dollar/pound a name, you’ll most likely have more money to work with.

Related post:

Would you like to know how to create a budget, but don’t know where to start? Then see the post below:

 

 

Set specific financial goals

Having financial goals is great because it keeps you motivated to work towards something you actually want to achieve.

Financial goals are very subjective and not one size fits all. One person’s financial goal might be to become a millionaire by 50, and another person’s goal might be to get out of debt by 30.

It all depends on you and your specific circumstances.

Once you know what your goals are related to your finances, you can start coming up with a plan.

improve-your-finances

If you are someone who has a lot of debt and wants to pay it off before you turn 30, look at how much you owe. Then, calculate how much you would have to pay every month until you reach 30 to pay it all off.

Sometimes, you may find that you can’t reach those goals in the exact time-frame you set out for yourself.

And that’s ok. In that case, set smaller goals which will ultimately get you to your bigger goals and to where you want to be with your finances.

Related post:

Want help setting goals? See my post for setting SMART financial goals:

 

 

Check your habits and track your spending

Always track your spending and always be aware of your money routes. If you will not track your spending, your budgeting will not be as efficient as it should be. Before budgeting for your next month, when you track your last month’s spending, it becomes easy to create a budget and make any changes you need for your next month.

You might agree with me that every purchase we make seems to be very important to us. We are living in a materialistic culture, where much of the attention is given to owning things, even if we don’t need it.

I think you will agree with me on this one that If you want to achieve financial freedom, you have to track your spending and figure out the unnecessary purchases.

It will be easy to figure out your budget when you know, exactly where your money is coming and where it is going. There are a lot of apps to track your expenses but you can do it old school way also. Take your pen and paper, and start writing down your expenses.

Tracking your spending for even just a month will give you a far clearer picture of where your money is going and what you need to work on in your budgeting plan.

You can use an app if you prefer that method.

I’ve listed a few awesome money trackers below for both UK and US readers:

These are all completely free to sign up to, so take advantage of the software and have a go at tracking your spending and finances for the month.

This is one of the best habits you can develop to improve your finances.

Related post:

Would you like advice on cutting down your monthly expenses, but don’t know where to start? Then see the post below:

 

 

Make a list of all your debts

Start with your smallest debt, such as a store credit card, and move to your largest, like your mortgage.

Make a note of which debts can be paid off within months, and which could be paid off in a few years. The small debts with the highest percentage fees are the debts that you will want to focus on the most, so you can cross them off of your list and get closer to living debt free.

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Look for debts that you could possibly consolidate to give you one lower monthly payment instead of several different debts to pay off.

Consolidating your bills to pay off multiple debts with a single monthly payment could help you lower your overall monthly bills and reach your savings goals more quickly.

I would highly recommend the debt snowball method, this is what I used. More info on this can be found below.

Related posts:

Would you like to learn more about advice on how to pay off debt, but don’t know where to start? Then see our posts below:

 

 

Have an emergency fund

Life is full of uncertainties and it’s on us to be prepared for anything that life might throw at us. Do you have a plan in place for the unforeseen circumstances that may arise in future?

How long can you feed your family if you suddenly happen to lose your job?

How much are you prepared if a shutdown were to occur in the company you’re working for?

Well, that’s not me being pessimistic. But everyone wants to have themselves and their family secured at any cost which is why having an emergency fund should be one of your topmost priorities.

Related post:

Would you like to know how to create a emergency fund, but don’t know where to start? Then see the post below:

 

 

Do a no-spend challenge

No spend challenges can be a great thing to do, no matter where you are in your finances.

A no-spend challenge can be done a few ways. You could choose to not spend in problem areas or impose a total shopping ban by not spending money on anything outside of necessities.

You can do them for a weekend, week, or one month. They’re challenging but effective to do. I’ve done them in the past, journaling in the process, and have always finished them with a new sense of how I spend money.

They can be a good way to get clear on your values and how you want to prioritise your spending.

Related post:

Would you like to know how to complete a no spend challenge? then see our post below:

 

 

Avoid new debt

Don’t get a new loan to pay off your current debt. In addition to paying loan-origination fees, it’s important to note that while your personal loan interest rate could be lower than your credit card rates, you will be locked into a set monthly payment for a specific amount of time, which could be higher than the minimum payments on your credit cards.

This means you could save money in interest, but your monthly payments may be higher, which could reduce your monthly cash flow.

Also, avoid signing up for low-interest credit cards that guarantee cashback. While you may get a little bit of cashback each month, you have to spend money in order to make money.

These cards aren’t worth it in the long run. Instead, pay with cash to avoid racking up credit card debt.

The best new debt to avoid is on a mortgage. Save as much money as you can for a down payment so when you take out a mortgage, the monthly payment will be lower.

Also, you will likely be able to qualify for a lower interest rate on a mortgage if you put down a larger sum of money upfront.

 

Have a positive money mindset

A money mindset is the attitude you have towards your financial situation.

If you have a negative mindset and continuously think this is the best you can do and it won’t get any better, then that’s where you’re going to be stuck.

If you always focus on what’s wrong, it’ll be impossible to stay motivated. By changing to a positive money mindset, you’ll start making better choices about your finances.

People who are never broke know that money always comes back to them. Just keep thinking to yourself or saying there’s more where that came from.

Related post:

Would like to learn more about how implementing a money mindset can help you achieve financial freedom and live a happier life? Then the post below:

 

 

Save save save

This might sound strange but it’s so important to save. If you truly want to achieve financial freedom, then saving must become normal to you.

For a long time, we didn’t save any money, partly because we felt that we weren’t in a financial position to be able to do so but also because we just weren’t used to it.

Saving actually felt like a punishment.

In order to save money, you have to have a positive attitude towards it.

habits-of-debt-free-people

You must habitually, purposefully do it otherwise you won’t do it at all. Believe me, I’ve been there.

In the past, the only time I have successfully managed to save was when there was something that I really wanted and my goal was to reach it.

Like the time we needed a bigger house or the time we needed a second car.

Set yourself saving goals, long term ones as well as short term goals. This will make it so much easier for you to save up your money.

 

 

Look to increase your income

There are a lot of ways you can increase your income these days.

Many people choose to take on second jobs on their own time, such as freelancing or working in direct sales. Or just a part-time side hustle.

personal-finance-hacks

You can also pick up a night job if you typically only work during the day. If your current place of employment could use some more help, talk to your boss about working overtime to get some more hours in.

Another way to increase your monthly cash flow is to consider getting a roommate, or getting on a family plan for your cell phone. You may even consider downsizing your living space if you are paying for a room that you don’t use.

Related posts:

Interested in earning some extra cash through a side hustle? Then see the posts below:

 

 

Check your credit card statements for accuracy

It’s worth looking over your credit card statements each month before you pay the bill. Your credit card company can send you a hard copy of your bill in the mail, or you can get immediate access to it online nowadays.

Check if your credit cards are being used fraudulently or you’re being charged extra fees. In the past, I’ve found mistakes such as being overcharged at a restaurant and being charged for a service I thought was cancelled.

 

Pay your bills on time

Pay your bills before they come due. You’ll avoid unnecessary late charges, which would give you more stress and more to pay.

Set reminders on your physical or electronic calendar so you know when bills are due. Then pay your bills online with a few clicks of the mouse or set up automatic payments so you don’t have to rely on a reminder at all.

Just ensure that you have enough funds in your account on your scheduled payment dates. You can also ask your credit card companies to change your due dates to align better with when you have funds in your accounts.

 

 

Improve your finances – Final thought

When you’re looking for ways to improve your finances, this is quite a list, but when you implement all or even some of these suggestions, you can’t help but see an improvement, not only in your finance, but also life in general.

What are some steps that you have taken to improve your finances?  Leave me a comment below and let me know what they are.

If you found this post useful, you might want to save THIS PIN below to your Pinterest Finance board for later!

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list-of-positive-affirmations

List of Daily Positive Affirmations

Today I will be sharing with you a list of daily positive affirmations.

Ok, so first off, what are affirmations? Affirmations are short, quick phrases that have a positive impact on your mind and body. They are statements that you repeat to yourself. They are usually meant to target a specific aspect of your life that may need some lifting up.

Affirmations are part and parcel of positive thinking and empowerment and will enable you to think more positively.

If done right, self-affirmation can be an effective tool for quickly becoming the person you need to be in order to achieve everything you want in your life.

Depression and anxiety alter how we view ourselves and the world. You’ve heard of the phrase rose-tinted glasses, right? Well, depression causes the opposite and encourages a negative mindset.

For example, if you’re watching the news, your mind will focus on the negative media and completely overlook any positive news. Negativity becomes your comfort blanket, your reassurance however, it’s not healthy.

Overtime, affirmations will help you change the negative thought patterns that your mind naturally turns to. This will build a positive mindset and change your outlook on the world and ultimately, yourself.

 

 

How to use affirmations?

These are lots of ways to use affirmations and people use them differently. Some people speak them into a mirror on a morning, others run them through their minds when negative thoughts begin to plague them.

I have a different method of doing my daily affirmations that may work for you if you like to journal. Every day, I choose one affirmation that resonates with me and write it in my journal.

I find that repeating the affirmation throughout the day to myself gradually helps change my thought process over time.

list-of-positive-affirmations

Affirmations are not a quick fix for mental health problems. Like any thought changing behaviour, they take time, patience and a lot of practice.

Our negative self-talk builds up over time and it can take some time to alter these thought patterns. I promise that you are more special than you believe.

You can get started with this list of 115 affirmations below. I hope they help to inspire and motivate you towards a positive mindset.

Related post:

Want more affirmations? See our post below for daily affirmations for self-esteem:

 

 

List of daily positive affirmations

  1. I love being me
  2. I get better every day
  3. I am unique
  4. I am special
  5. I am whole
  6. I am awesome
  7. I make a positive difference in the world
  8. I believe in myself
  9. I do my best every day
  10. I am smart
  11. I am always willing to learn
  12. I am fun
  13. I trust myself
  14. I can do it
  15. I can do anything I put my mind to
  16. I can be anything I want to be
  17. I am loved
  18. I am worthy of love
  19. I am blessed
  20. I am limitless
  21. I focus on positivity
  22. I am thankful
  23. I am safe
  24. I am helpful
  25. I am truthful
  26. I am forgiving
  27. I am kind
  28. I am peaceful
  29. I am thankful
  30. I am talented
  31. I am confident
  32. I am strong
  33. I get stronger everyday
  34. I am brave
  35. I am disciplined
  36. I am respectful
  37. I am responsible
  38. I am polite
  39. I am beautiful
  40. I will face my fears
  41. I will overcome my fears
  42. I am persistent
  43. I am determined
  44. I am patient
  45. I am enough
  46. I am capable
  47. I am a leader
  48. I am a good influence on others
  49. I spread joy
  50. I am generous
  51. I am optimistic
  52. I am supportive
  53. I am compassionate
  54. I am a good listener
  55. I am a good sport
  56. I am happy for other’s success
  57. I love to share with others
  58. I give freely
  59. I am proud of myself
  60. I am capable of great things
  61. I am important
  62. I trust my intuition
  63. I choose to start today with a smile
  64. I choose to have a happy day
  65. I reach for the stars
  66. I can do hard things
  67. I am going to train my brain to do it
  68. I am open to new experiences and new things
  69. I love to learn new things
  70. I embrace and accept change. Change is good and helps me to grow
  71. I like to challenge myself
  72. I find ways and love to overcome challenges
  73. I like to work hard
  74. I don’t give up
  75. I can get through anything
  76. I am creative
  77. I have great ideas
  78. I reach for the stars
  79. I deserve to be happy
  80. I have happy thoughts
  81. It’s okay to make mistakes.
  82. I learn from my mistakes. Mistakes are a chance to grow
  83. I forgive myself for my mistakes
  84. I stand for my beliefs
  85. My opinion is important
  86. I have the power to make my dreams come true
  87. I believe in my dreams
  88. I choose my attitude
  89. I choose my reaction
  90. I am in charge of my emotions
  91. I am in charge of my decisions
  92. I am responsible for my decisions
  93. I am responsible for my actions
  94. I can handle any obstacle
  95. I am a problem solver
  96. Problems help me learn and grow
  97. When I need help, I will ask for it
  98. Having quiet, alone time is good for me
  99. I am gentle with myself
  100. I am gentle with others
  101. I can live in the moment
  102. I will make sure it’s my best work
  103. My best is enough
  104. I’ve got this
  105. I get stronger, it doesn’t get easier.
  106. Struggling makes me stronger
  107. When I struggle, I always learn something new
  108. I keep my body healthy
  109. I enjoy healthy food
  110. I love to exercise
  111. I create my own path
  112. I enjoy spending time with myself
  113. I see the beauty in every situation and everything
  114. I will be successful
  115. I can do it and I will do it

 

 

List of daily positive affirmations – final thought

You now have an idea of everything about positive affirmations. It’s now your turn to pick the affirmation that are relevant to you and say them to yourself on a daily basis.

Positive affirmations are not something that you simply say once off and expect to see massive improvements.

The secret is repetition (do it regularly) and feel each word as you say them, experience what you’re saying.

Wait and see how affirmations will change and improve your life for the better.

Be happy and enjoy creating positive affirmations!

If you found this post useful, you might want to save THIS PIN below to your Pinterest Self-Care board for later!

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heating

Reduce Heating Bill – Simple Guide!

Today I will be talking about how to reduce your heating bill.

While I love and appreciate the warmth of our home during these cold months, I do not love the bill!

As the temperatures plummet, heating costs keep rising.

It can get so expensive to heat a house. There are simple ways to save money on your heating bill, and with just a little effort you can make a difference!

Since heating bills are often a large financial burden for every household, anything that can be done to reduce them is surely worthwhile

Here are some easy ways to cut heating costs and save you some cash.

 

 

Reduce heating bill

Change provider

Some energy providers are more expensive than others. By shopping around, you can save yourself quite a bit! The same applies to fixed tariffs, which offer protection against energy-price fluctuations.

It’s definitely worth a few phone calls to bring together a few quotes, and then ask your existing provider if they can lower their rate. If they can’t, then it may be time to jump ship.

 

Pay via direct debit

If you’re paying for your heating via cash or cheque, then the chances are that you’re paying over the odds. Talk to your provider about switching to direct debit, and ask how much you could save.

Some providers will also offer an additional discount to customers who choose to opt out of paper bills and do everything via the internet instead.

 

Double glazing

To reduce heating costs, you could replace older double-glazed windows with newer and more efficient designs, particularly if the seal around the window has broken.

A double-glazed window comprises of two glass panels, and sandwiched between them is a layer of inert gas, typically argon.

This arrangement drastically limits the window’s ability to conduct heat out of the building. So, upgrading to double (or triple) glazed windows can make a significant dent in your energy expenditure.

 

Insulation

Since heat rises through any property, the loft is where most of us concentrate our insulation efforts. By laying thick foam sheets across the floor there, it’s possible to save hundreds of pounds each year.

Homes built after the 1920s come with two sets of walls, between which is a gap cavity. By filling this space with foam, it’s possible to considerably limit the transmission of heat from the interior to the exterior (and vice versa).

 

Ditch electric heating

Of all the different sorts of heating available, electricity is the least efficient. And if you’re using a portable electric heater, this inefficiency is going to be even more glaring.

Get rid of any such devices in favour of efficient fixed radiators.

 

Seal out any draughts

Cold breezes from outside the house can be a bit chilly, not only that but they’ll place a strain on your heating bills too.

It’s important to track them down and seal them before they’ve had a chance to do so. You can get specialised devices that do this job – you simply scan them across the edges of your doors and windows, and they beep when the temperature drops.

Draughts beneath doors can be sealed up temporarily with a long draught-excluder, and permanently by adjusting (or replacing) the door in question.

Related posts:

Want to learn about how living a frugal lifestyle can save you thousands per year? Read more about frugal living in the posts below:

 

 

Keep your boiler filter clean

Regularly changing your boiler filter is important to keep the boiler running efficiently. You can get inexpensive ones if you make sure to change them once a month.

However, if you want to change them a little less often, spring for a better filter. It is so easy to forget to change these filters but doing so really helps the furnace run efficiently.

Little habits now help to prevent larger more expensive problems in the future.

 

Wrap up warm

When we say wrap up warm, we’re not suggesting that you turn off your heating and sit around a freezing interior in winter coats and blankets.

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But a minor adjustment can make an appreciable difference over the course of a year. Put on a jumper and lower the thermostat to below 20°C.

Those few degrees each winter will add up to hundreds of pounds over the years.

 

Install door guards

Another way heat seeps out is through gaps under doors. Door guards are an inexpensive and simple way to stop the heat from escaping and keep cold air out.

This is one of my favourite ways on how to save on heating bill. The selection has come a long way from years past.

Many of these blend right into the door frame so it is hardly noticeable at all. Plus, they are very simple to put on. Anyone can use weather stripping.

 

Replace your boiler

A significant portion of the energy used in your home will go through your boiler. If it hasn’t been replaced in decades, then it’s likely to be hideously inefficient.

You can help matters by getting an entirely new boiler installed. It will take a decade or more to break even on a decent boiler, and thus this is a long-term means of saving money on heating.

Families first moving into a home might consider it; for pensioners and those looking to move on within a few years, other energy-saving measures might be more appropriate.

 

 

Close your curtains

When the warm air in your home is allowed to circulate across the cold glass of your windows, it’ll get much colder.

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You can limit this circulation by drawing your curtains at night-time. If your windows face the sun, then drawing the curtains will allow sunlight to heat the interior.

The heavier the curtains, the better they’ll be at insulating.

 

Close off unused rooms

This one’s pretty simple: Keep doors closed to any rooms that aren’t being used. This prevents cold air from going through the rest of the house.

Plus, it keeps the heat contained in a smaller area, so your heater won’t have to work as hard to warm up the entire house.

 

Monitor your energy usage

It’s easy to lose track of how much you’re spending on energy, especially if you’re busy with other things.

By investing in an energy monitor, you’ll be able to see exactly what times of day your home is using the most energy.

This information will allow you to make the tiny changes that add up over long stretches of time!

Other solutions could include upgrading your heating controls, adding thermostatic valves in each room – or simply turn your thermostat down by one degree.

It all helps!

 

 

Reduce heating bill – Final thought

Heating your home doesn’t have to be an expensive effort. With the right tricks like these, you’ll be comfortable all winter while not breaking the bank.

Try some of these and see how much lower your heating bill gets!

If you found this post useful, you might want to save THIS PIN below to your Pinterest Save Money board for later!

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frugal-habits

Frugal Habits – Simple Guide!

Today I will be talking about frugal habits.

There’s a big movement towards frugality afoot these days. The wisest families are paying attention to what’s going on in the world.

The rest of the folks are blithely going on as they always have, wondering why on earth they keep spending more money each week at the store.

If you are just beginning to move towards a thriftier lifestyle, you might be looking at the big picture.

You could be asking yourself things like; how can I save money on my car? or how can I pay less for that new laptop?

These are all fine things to do – paying less is great, but shopping for a bargain is actually not the key to a frugal lifestyle.

 

 

It’s all about the little habits.

Living a life of thrift and frugality is all about the little habits. It’s about your mindset.

Saving money on enormous expenditures is great, but it is the small daily actions that add up and change your life.

Truly frugal people absolutely LOVE saving money. Embrace these daily habits and make them your own.

You’ll soon see an incredible difference in the way you look at pretty much everything.

Here are 10 frugal habits.

 

Frugal Habits

Frugal people are cost conscious when they shop

Frugal people work hard at spending their money consciously. This includes techniques such as:

  • Know the prices of things they buy regularly, whether by memorisation or by keeping a list
  • Keeping an eye out for sales on things they use regularly or know they will need in the near future
  • Being willing to buy an item used instead of new if it makes sense

Frugal people work to stay cost conscious by thinking carefully before they buy. For instance, if they need a household item such as a ladder, could they find one on Fb market or Gumtree for cheaper than they would by purchasing new?

Can they wait until an item is on sale before they buy it? Can they borrow the item from a friend or relative if it’s something they’ll only need to use once?

frugal-habits

Being cost conscious means thinking carefully before laying down your cash for something, whether it’s a necessity or not.

It involves learning to almost subconsciously ask yourself before every purchase whether or not there is a way you can get the item or experience you are about to spend money on for less.

When it comes to groceries, this might mean menu planning around the sales or using coupons. It might mean buying generic as opposed to buying name brand.

When it comes to entertainment costs such as eating out it might mean only buying the happy hour specials, sharing a meal or finding a 2-for-1 dinner coupon.

Being cost conscious when it comes to vacationing might mean staying at a cheaper hotel or an Airbnb residence that costs less.

It might mean foregoing expensive attractions and taking advantage of the natural scenery at your vacation destination instead.

Cost conscious people work to spend money smarter instead of just for the sake of saving.

 

 

They tell themselves no often

People who are successful at being frugal have learned the art of discipline. In other words, they’ve learned how to tell themselves no.

In today’s instant gratification society that can be a tough habit to pin down. Many people have become used to following their desires up with instant purchases.

Online shopping conveniences means you don’t have that extra time to get in the car and drive to the store as you are considering purchasing that new TV you want. You just add the TV to your online shopping cart, check out and it’s on its way.

The same goes for restaurant meals. Most chain restaurants will deliver your favourite meal on their menu with one quick phone call.

The lack of work needed to buy stuff and spend money these days has lulled many people into a lack of discipline when it comes to spending.

Frugal people work hard to exercise and practice that discipline, though. They take the time to think about their purchases and whether or not those purchases are the best use of their money.

They consider whether the purchase will bring them closer to their financial goals or take them further away from those goals. They think about how much value a purchase will bring to their life: Will the purchase provide lasting value or happiness, or will the joy from the purchase be short lived?

Using Visualisation to Stay Disciplined

Telling yourself no about a lot of purchases can be difficult. One of the tools we use to help us stay on track and avoid unnecessary purchases is the tool of visualisation.

For example, the main car you drive is twelve years old. Sometimes you get so sick and tired of driving that thing. Sometimes it’s tough when loved ones get new cars.

However, when you take the time to envision how you would feel if we were burdened with a huge car payment (the average car payment these days is a whopping £402 a month), it suddenly becomes much easier to avoid buying a newer car.

You focus on the fact that our car is in really good shape for its age. It runs well, has minimal rust and was a top-of-the-line model in its day. You might have bought it used for £/$8,000 and paid cash.

You would need to get used to the wonderful feeling of not having a car payment, and using visualisation to help us stay away from taking on another one really helps us avoid those times when you get drawn into wanting shiny stuff.

Telling yourself no about purchases that don’t truly bring value to your life might not be easy at first, but over time it will become a habit you’ll likely learn to embrace if you are willing to practice it.

They will sacrifice quality – when it makes sense

Some people confuse being frugal with being cheap. The truth is there is a major difference between the two.

Cheap people sacrifice quality at every turn. Frugal people know when to sacrifice quality and know when it’s better to spend more.

For instance, many frugal people – although they stick to a budget – won’t sacrifice quality when it comes to gift giving. They also won’t sacrifice quality when it comes to a purchase, they’ll use long-term.

If the purchase is a household item such as a table for instance, they may buy a quality product knowing they’ll keep that table for a good twenty years.

In our family one of the ways, we’ve learned to know when to sacrifice quality and when not to is in terms of eating out. We used to eat out a lot.

Now when we eat out, we’re willing to go to a higher quality restaurant, but we only do it two or three times a year.

On the other hand, we won’t spend a lot of money on things such as school supplies. We buy the cheap notebooks and the budget folders knowing they’ll serve the kids just as well as the expensive stuff.

Sacrificing quality when purchasing a product that you’ll use for a long time or use a lot will probably just end up costing you more money in the long run.

However, sacrificing quality on an item that is for short-term use or that just doesn’t need to be a quality item is often worth the savings.

Learning the difference might take some trial and error on your part, but with a little experimentation you can learn what items are worth buying for less and what items are worth spending more on.

 

They value their money down to the penny

Frugal people understand that every penny counts. My husband and I got into tens of thousands of dollars of debt with an It’s only (5, 10, 20, 50 or any random number that fit the purchase) dollars/pounds attitude.

There were no huge purchases or vacations – It was that revelation that made us understand that every penny really does count when it comes to living a life where we’re spending our money on what is most important to us.

Today we routinely work to save pennies (as long as it doesn’t take too much time or effort) on nearly everything we buy in order to free up money for meeting our goals of debt freedom.

We also routinely put extra pennies and pounds into our savings and toward our mortgage.

Sometimes it feels pointless to add an extra few quid to a loan payment or savings deposit, but after nearly five years of understanding the value of a penny, we’ve learned that those extra little bits of cash can really add up.

As an example, let’s say you take out a $/£200,000 mortgage on a thirty-year note with a four percent interest rate.

If you pay an additional $/£1 per day on that mortgage note as an additional principal payment, you’ll shave 1 year and 8 months off of your mortgage, paying it off in 28 years and 4 months instead of thirty years.

While that may not seem like a lot of time when you are looking at a thirty-year mortgage, you’ll be glad when you get to year 28 and you’ve only got four months to pay instead of two more full years.

Start taking your spare coins and dollars/pounds and saving them for a financial goal such as saving for a vacation or using them to put toward early debt payoff. I’ll bet you’ll save more than you thought you would.

Related posts:

Learn more about what a money mindset is below, and how to achieve one:

 

 

They save their money consistently – and Save First

Having a consistent savings plan is highly important to many frugal people. They believe firmly in developing a habit of saving money.

For many frugal gurus, this usually means having an automatic transfer made into their savings account each and every payday. In other words, treat your savings just as you would any other bill.

Another part of saving money that is important to frugal people is paying themselves first. That means they put money into savings (and leave it there) before they pay anything else – including their rent or mortgage.

By learning to develop a habit of paying yourself first and paying yourself every payday without fail, you get used to learning to live on your post-savings income.

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This is set it and forget attitude will help you spend less and grow your savings almost effortlessly, and before you know it, you’ll have a nice-sized pile of cash with which to cover emergencies or pay cash for an important purchase.

Your employer may be able to help you save first by putting a percentage of your pay into a separate savings account, or your bank may be able to help you by scheduling an automatic transfer each week or month from checking to savings.

Another way you might follow the frugal people and make saving easier is to open a savings account at a different bank, such as:

Some banks offer high interest savings accounts that can pay 1% and sometimes even more – a much higher savings account interest rate than you’ll find at most other financial institutions.

By having your savings account at a separate bank from your checking account, you’ll be less likely to dip into it than you would if it was at the same bank you have your checking account at.

 

 

They work to make things last by repairing before buying

Frugal people are great at working to make things last as long as they can before they spend the money to replace them. As you saw in the story I mentioned earlier, back in the days of the Great Depression that meant placing cardboard inserts in shoes to prolong their use.

You don’t have to go that far to be considered frugal, but learning to repair things or make due even if they’re not perfect will help you save money.

For example: You could have a garage that is heated by a big propane gas heater. A part goes in it. You call the local repair shop to get an estimate for our make and model of heater, they quoted you a price of nearly $/£250.

Replacing the large heater would cost almost $/£1,000.

If you did a little online research you could find the part for $/£47 at a shop about 25 miles from your house.

You find a YouTube video that showed it could be done pretty easily. So, you decide to try and do the repair yourself.

You complete the repair and save a lot of money on the process.

Many times, things break and can be repaired, or don’t necessarily need to be repaired.

It’s tough to go against the grain sometimes: many other families don’t. But frugal people don’t let appearance dictate how they spend; instead, they live with imperfect stuff for the sake of reaching their financial goals.

 

They take advantage of community resources

In many communities, there is a plethora of community resources that make for free entertainment or help in other ways.

Frugal people keep abreast of these resources and how they can utilise them in order to save money. Here is a short list of some of the free resource’s communities share with their citizens.

The library

Your local public library likely has a large selection of books you can read (either for education or entertainment purposes), movies you can rent or social events you can attend. Taking advantage of these resources can save bundles of cash.

Local entertainment

Many cities and towns show free movies, put on free concerts or other free shows and put together other free events in the name of unity and fun. The best part about many of these events is that they are FREE.

Check out your local community paper or city website to see what types of free entertainment your city offers.

Free or cheap housing maintenance items

Many cities and counties offer freebies or items at terrific cost savings to help you maintain your home.  In my county, they regularly send out coupons for large discounts at the recycling centre.

They also have occasional days where you can bring in recyclable items such as electronics or hazardous materials for free (If you want to take a bit of extra time, however, you can actually earn money and get paid to recycle computers or other types of electronics).

In addition, every spring our county offers residents the chance to buy a wide variety of trees at a deeply discounted price. Everything from fruit trees to maples, oaks and more are available to help landscape yards and provide self-sufficient food supplies at a very affordable price.

Local newspapers and city and county websites are great resources for being able to find free or cheap solutions for caring for your house and yard.

Check out the many community resources in your area that can help you save money.

 

They keep long term money goals in mind

Another habit of frugal people is that they keep their long-term money goals at the forefront of their mind. Staying aware of long-term money goals means less temptation to spend.

It’s well known that keeping on track with long-term money goals can be tough. It can be difficult to avoid frivolous spending when you’ve still got to save another $/£150,000 to pay off your mortgage or another /£$400,000 in order to reach your early retirement goal.

One way frugal people help stay aware of their long-term goals is to use visualisation. Some people create a poster board that represents their financial dreams and goals.

Other people keep a list in their wallet of what they’ll do when they reach debt freedom or financial independence.

And still other people use mentors and accountability partners to help keep them strong when they’re tempted to spend on something that isn’t in line with their goals.

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Have you taken some time to figure out what your long-term money goals are? What money milestones would bring serious peace and joy to your life?

Would you like to be mortgage free? Pay cash for your kid’s college/university education? Save enough money that you could live off of the interest it earns?

If you haven’t done so already, make a list of your short, medium and long-term financial goals and how you can modify your budget to reach them.

For example, you could increase your extra income by cutting expenses and then open an investment account.

Investing your money may help it grow faster, which means you can reach your goals faster. Then make sure to use one of the ways mentioned above to help keep yourself focused on staying the course and achieving your goals.

Related post:

Would you like to know how to set SMART financial goals, but don’t know where to start? Then see the post below:

 

 

They seek out frugal fun

Fun doesn’t have to be costly, and frugal people are often geniuses at finding free or frugal fun. Here are some ideas for fun activities that won’t break your budget.

  • Spend the day at the beach
  • Plan a hiking, biking or walking excursion
  • Call some loved ones and plan a picnic or BBQ
  • Have a weekly or monthly game night at your house
  • See an outdoor concert, movie or other event
  • Go ice skating at a local park that has an ice rink
  • Go camping, fishing or both!

The possibilities for free and inexpensive fun are everywhere. Sit down with loved ones and make a list of things you can do for fun that don’t cost a lot (or anything) and use the list to plan your weekly entertainment schedule.

 

They consistently practice self-development

In Tom Corley’s book, Rich Habits, he outlines many of the habits that rich people share. While not all frugal people are rich, most rich people are frugal.

One of the other habits of frugal people is that they are continually practicing self-development in order to excel both personally and professionally.

Many people who are good with money read non-fiction nearly every day, exercise every day, practice self-education on topics that are important to them and practice living a life of integrity.

In other words, they consistently practice improving themselves.

Are any of the habits listed above habits that you do practice or could practice on a regular basis? And more importantly, are the habits worth it?

 

 

Is being frugal worth it?

I suppose the answer to that question depends on the individual person, but in order to help you answer that question for yourself, you should probably ask yourself a few other questions, such as:

Am I currently spending in a way that is hindering me from living the life I want to live?

Do I have unmet financial goals that could change my life if I reached them?

Would I be unhappy if I was in the same money situation five years from now that I’m in today?

If the answer to any of those questions is yes, adopting the habits of frugal people in order to find more money to save and invest toward your goals can help you go from financially so-so to financially great.

What are your frugal habits? I would love to hear them.

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how-to-live-in-the-present-moment

How To Live In The Present Moment! – Simple Guide!

Fair too often we are caught up in the busy schedule of life and wonder where did the day go?, or hasn’t that week flown by, or the summer will be soon over. This happens because you’re so busy in life just doing that you forget how to be.

At some point or the other, all of us have inevitably found ourselves wanting to just leave it all and go far away from all the rush, from all the noise and just be in peace with our own self.

There is too much rushing, too much achieving in this overly fast paced world. If you find yourself in such a position then it is actually reminding you that you need to slow things down and go slow with life. Step outside the rush.

Learning how to slow down in life is a challenge by itself, especially for those who seem to work non-stop, or those who feel guilty for taking a break as they think I could be doing this, or doing that.

But living in the fast lane comes at a price, that price is you’re missing out on your life. The time you spending planning, working, doing, rushing and all the other things that lead to hectic life, takes away living in the moment and experiencing what it truly feels like to be alive.

This is so profound, yet what is it to be alive?  Although I cannot concretely answer that question for you, through my personal experience I have found that people feel the most alive when they are truly experiencing the present moment.  Those times when you are able to slow down and pay attention.

 

 

How to live in the present moment

Is your mindset keeping you from living life in the present moment?

Your mindset may hold certain beliefs that keep you stuck in the fast lane. These could come from personal experience, habits, things you’ve learned growing up or the pressure of society.

Take a step back and a moment to reflect on your mindset and your beliefs on why you shouldn’t be slowing down from a fast-paced life.

What do these beliefs mean to you?

Here are some examples of beliefs you may have about slowing down:

  • If I take a break or slow down, I’m lazy
  • Things won’t get done.
  • I could be doing something else in the time I’m taking a break
  • I need to be doing more to be more successful than Joe Bloggs next door, and the only way I can do that is by working harder- even if it stresses me out.

The ironic thing is that you will actually be more productive and efficient if you take breaks and pay attention to what you are doing in the moment. This is because living in the present moment increases your focus.

how-to-live-in-the-present-moment

When you work yourself into the ground without no break, and constantly move from task to task, you are not fully living in the present moment and therefore are not fully engaged. As a result, you are living your life in auto-pilot mode.

This can result in two things happening:

  • You are not fully focused; therefore, you’re not putting the best work into things. This is because you are just thinking about moving onto the next task.
  • You are burning yourself out by never taking breaks or slowing down.

 

How can you live in the present moment?

While you’re rushing about from task to task, somebody else is living in the present moment and time is moving much slower for them. It is the same number of seconds ticking by, the same minutes and hours pass by, but it is your perception of those moments that is different.

Your perception is your reality, therefore if you find that you seem to be rushing through life then the answer lies in changing your perception.  Some of that may originate in identifying and changing your anxious thoughts.

how-to-live-in-the-present-moment

Additionally, you can practice Mindfulness by being aware of your senses (touch, sight, hearing, taste, and smell) in the present moment.  This is one of the most effective ways to truly bring you into experiencing this moment fully.

Try it now and pay attention to what is around you.  Notice how you feel.

 

 

Tips to help you slow down in life:

Practice Mindfulness

Mindfulness meditation or practicing mindful awareness regularly can make it easier to slow down life.  By observing your thoughts non-judgmentally, you can increase your awareness when you are rushing around for no particular reason.  This can help you to approach your life and certain situations with presence and focus, instead of just rushing through them to get to the next thing.

 

Minimise Distractions

Distractions such as a smartphone or television can make it harder for you to focus on the present moment and take you down a black hole in your mind without you even realising it.  Leave your phone in your car or put it on “do not disturb” to prevent distractions so you can be fully present and appreciate the things and people in front of you.

 

Give Yourself Reminders

Little reminders can be helpful so that you remember to slow down and pay attention.  Whether it is a phone wallpaper, a sign on your desk, or a decal on your mirror… visual reminders to slow down can get you out of your head and into the present.

 

Go for a walk and look around at nature

Head out for a walk and make yourself take notice at everything around you – the sounds; trees; flowers; etc.  Connect again with the world around you and allow yourself to walk gently – not racing around.

 

Take Breaks

Taking breaks at home, work, or school can help you stop anxious thinking or stop feeling stressed.  Taking a break can help you to refocus and reflect.

Some helpful things to do on a break are taking a walk, taking deep breaths, or eating mindfully.  These are examples of breaks that bring you fully into your present moment experience, and out of the stress of overthinking and rushing.

 

Enjoy the little things

Getting to enjoy life more is one of the perks of living a slow life.

First, you need to learn to notice what is happening around you. Notice the breeze, the flowers, the clouds. Notice the smell of things.

 

 

How to live in the present moment – Final thought

If you can cultivate present moment awareness, then you can learn how to slow down and appreciate life.  Appreciation comes from actually paying attention to yourself, your body, your environment, and the people around you- not rushing from one thing to the next.

So, the next time you find yourself caught in a frenzy of stress, overwhelm, and frustration, ask yourself:

How can I choose to slow down and live in the present moment today?

If you found this post useful, you might want to save THIS PIN below to your Pinterest Self-Care board for later!

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Gratitude-Journaling-Prompts

Gratitude Journaling Prompts – 50 Prompts!

Journaling is quickly becoming more popular, with hordes of people starting their day by opening the pages of their notebook and writing.

Writing has long been recommended by counsellors and psychologists as a way to work through our emotions, and many find that it’s a great way to reduce stress, improve decision making, and get to know themselves better.

I personally find that getting my feelings and worries out on the page stops me from going over them so much in my mind.

Free writing can sometimes feel daunting though, so one of my favourite ways to journal is to use prompts.

These are questions that can be used to gain a better understanding of ourselves and take note of things that might need addressing.

Gratitude has become a positive psychology intervention that is used in several settings. Research in this field has found that the practice of being thankful in life is strongly associated with well-being and happiness.

Gratitude facilitates meaning- finding in our ordinary life events which is fuel for psychological resilience.

The practice of gratitude has been found to increase positive emotions, altruistic behaviour, and reduce physical complaints, stress, depression, and worry.

Indeed research has found that gratitude is linked to all levels of well-being and has become a popular intervention that fosters positive functioning and psychological strengths.

 

 

Why is gratitude so hard to practice?

Let’s face it, it’s easier to focus on what we don’t have, our imperfections, and our problems than it is to be grateful for what we have.

Between the violence, natural disasters, and divisive political climate, it’s been a rough year for many of us.

We’re inundated with negatives nearly 24/7 from the news, social media, and even in-person conversations.

So, we have to work extra hard to find the good in ourselves and the world around us.

 

How to journal

If you are new to the journal writing process, don’t panic.

It’s pretty simple. All you need is a journal (or notepad) and a pen.

Gratitude-Journaling-Prompts

So now you have your amazing journal, find a quiet space, grab a cup of coffee (…or wine) and take some time to yourself.

I love using journal prompts because sometimes when I sit down to write I just stare at the blank page not knowing what to write about.

Only when I actually dig deeper and ask myself some tough questions do I discover how many thoughts, feelings and views I have!

 

Why you should use gratitude prompts

You might look down at your gratitude journal to see that you were thankful for coffee five days in a row.

Now, you may be grateful for that brown liquid gold, but you need to take the time to think more deeply and appreciate more deeply.

That’s why these gratitude journal prompts are so helpful. Answer a question every day and you’ll focus on a different aspect of your life regularly.

Some blessings you may have never considered before.

Often, we need a little nudge to do things well. In this case, use that gentle push to greatly improve your thoughts and your life.

Related post:

Want to learn more about a gratitude practice and the benefits it can have? Then see our post below:

 

 

What to do if you don’t know what to write about?

If you’re struggling to find something to thankful for, start small. There are always things to be grateful for, even on our darkest days, but we have to look harder for them.

Like digging for buried treasure, it takes effort, but the reward is great.

Try to identify one good thing – a supportive person, a comfy sweater, hot water, or even that you’re able to read this article.

Try to stay open-minded. Your first response might still be to minimize the positives and focus on the negatives, but by practicing gratitude we can actually train ourselves to spot the positives.

Gratitude-Journaling-Prompts

This means that with practice, it will become easier to identify things you’re grateful for and you’ll develop an open and joyful heart, as well as a greater appreciation for yourself and the world around you.

Gratitude doesn’t make our problems disappear, but it helps them feel more manageable.

But, if you just simply can’t think of anything, I’ve got your back.

Check out these gratitude journal prompts that will help you achieve clarity and help your mental health.

 

Gratitude journaling prompts

So, what do you write on your journal?

  • If you’re not sure what put down or are out of ideas for the moment, here’s a huge list of journal prompts you can try.
  • See which ones apply most to your life and start with those. From there, you can slowly go through the list and complete them all.
  • Name a person you are thankful for that shaped who you are today.
  • What is something from each of your senses you are grateful for today? (Sight, smell, taste, touch, sound)
  • What challenge did you overcome that you now see the benefit in?
  • What book are you grateful for and why? What are the teachings?
  • What are you grateful for about your town? Your time period? Your country?
  • What are you most grateful for in your morning or night routine?
  • Name three everyday objects that you are grateful for.
  • What music are you most grateful for?
  • Name three unique things you are grateful for so far this year.
  • Name three people you are grateful for outside of your immediate family. Why?
  • What brings you gratitude with the passing of time? Something you notice more than you used to.
  • What do you love most about each season of the year?
  • What discovery have you made in the last year that you are thankful for?
  • What food did you eat today? Take a moment to share gratitude for the food and water that sustains you and imagine where it came from.
  • Do you have shelter? A warm place to sleep? Food on your table? Spend a few minutes being grateful for the necessities in life.
  • What have you learned this year that has benefited you?
  • What person are you most grateful for and why?
  • What is something hard or mundane that you do, and you’re grateful it makes you stronger?
  • What is something in your home that brings you great joy?
  • What positive memory happened in the last week that you are thankful for?
  • What did you do today that made you happy?
  • What aspect of nature did you appreciate in the last week?
  • Who is a friend you’re grateful for and why?
  • List three people that have made your life better. (Bonus: thank them today!)
  • Write one moment or memory in your life that you will cherish forever.
  • What do you love most about life?
  • What was a wonderful thing that happened today?
  • What is something you take for granted?
  • What do you love about yourself?
  • What tradition are you grateful for?
  • Tell of a place that you cherish.
  • What is your favourite time of day and why do you love it?
  • Tell of a way someone helped you recently.
  • What is something amazing that happened to you in the last week, month, or year?
  • Name one thing you are grateful for regarding each person in your family.
  • What is your favourite gratitude quote? What does it make you think of?
  • Name one luxury you enjoy on a daily or weekly basis.
  • What do you love about your job?
  • What is your favourite place in your home? Why?
  • Describe your favourite vacation/holiday.
  • Describe the last time you helped someone. How did it feel?
  • What’s a guilty pleasure you are thankful for?
  • Name an accomplishment you are proud of.
  • Write down the best gift you’ve ever received.
  • Describe something beautiful that is outside of your window.
  • What do you love most about your family?
  • What do you love most about your friends?
  • What activities in your day are your thankful for?
  • Name one thing that made you smile or laugh today.
  • What is something beautiful you saw today?

 

 

Conclusion

Gratitude is a very powerful tool in helping you become a more positive person.

By writing them down on a journal, you’re able to keep track of all the good things that have happened in your life.

This makes is doubly powerful allowing you to go back and remember specific situations.

In case you’re not sure what to write about or are out of ideas, the list above contains tons of journal prompts to help you.

What do you write in your journal, I would love to hear your ideas?

If you found this post useful, you might want to save THIS PIN below to your Pinterest Self-Care board for later!

Gratitude-Journaling-Prompts