My mind is constantly focused on my goals. I set targets for myself and make the necessary adjustments in life to ensure I hit them. Being frugal allows me to take action today for a more fulfilling tomorrow.

When I go out with friends, I am careful to spend wisely. Extra expenditures can make my financial goals more of a challenge.

Although the temptation is great to enjoy each moment to the fullest, I set a financial cap. My economical choices save me from having regrets later on. I am content with enjoying just enough of life to keep me going through challenging times.

I find creative ways to have memorable experiences on a budget. Most of my best memories come from the company I share them with instead of the money I spend.

When I achieve a new life goal, I reward myself with a splurge, whether that be an experience or small financial splurge. Incentivizing my successes helps me to wait patiently until I achieve them to celebrate with grandeur.

I avoid feeling like I have less than others when I see how much they spend on themselves. My focus is on having a long life of comfort and sufficiency.

Today, I avoid allowing the material desires of today to cloud my judgment. I am focused on building a sound financial future. I am committed to achieving my goal through sacrifice along the way.

Self-Reflection Questions:

  1. What types of entertainment can I enjoy without breaking the bank?
  2. What are some of the rewards I can give myself when I achieve important goals?
  3. How do I determine when a situation calls for frugality?


Do you have any money questions that have you stumped? Send an email to me a, and I’ll do my best to help you out. Financial freedom is achievable and I want to help you get there!