Each month I set myself small goals around my money management. Some of these are tasks or small projects, others are challenges or habit building.
My goals for November were to:
🥪 BYO (Brown Bag) my lunch to work every day.
🤑 Complete 4 Years of overdue tax returns
🏧 Enter my spending transactions into YNAB daily
I am super happy to have BYO’d my lunch every single day to work! 🥪 This is unheard of, I’ve struggled with this all of my life, even when I used to work shifts where I had to bring my lunch otherwise I wouldn’t be able to eat at all (our in remote sites) I would still fk it up and ended up eating a lot of cold canned bake beans that I had for “emergencies”, which was like, every day! Haha
A big part of my financial goals and my fitness goals, is to eat healthier and to spend less on food.
To achieve this goal I had to create a few new habits,
- Go food shopping every Sunday so I had food during the week. I don’t bulk prepare though, just needed to shop. I never used to go shopping properly, I ate take away nearly all meals.
- Get up earlier to prepare lunch. Sometimes I did it the night before, but often in the mornings.
- Say no to co-workers – this was a little tough as I started a new job, and a good way to bond is by going out to lunch, but now I’ve not done it, I don’t think it’s that important anymore. There’s other ways.
Tax Returns, 4 years worth, all over due. I might even get money back. Even with the incentive of money, MONEY 🤑 I still only managed to do two of these! WTF is wrong with my brain. 🤦♀️
Enter my spending transactions in YNAB everyday 🏧 Big freaking FAIL. I really want to use a budget, I’ve never used one before, and I like the concept of YNAB, and I spent a lot of time setting it up. But entering manually every transaction I make it PAINFUL. I don’t think I did it once. Then I was like, okay I’ll do it weekly, but it’s hard to create a weekly habit that’s not tied to anything else. Here in Australia YNAB doesn’t connect to the bank feeds. I want to use my budget in real time too, not just reflect back at the end of the month.
My free trial was coming to an end so I asked them to extend it, as I do not want to pay for a service I don’t use (see my Expense Audit for Subscriptions ).
I’m at a lost what to do here, I would love any suggestions in the comments! 🤷
So 1.5 goals out of 3 completed. Argh. I think it’s important to recognise failure and where we fell down, as if I don’t there’s no way of finding the way to get back up again!
It has taken a hit on my confidence though, I haven’t even set my December goals, it’s a bit deflating, but the failure also gives me the opportunity to improve, who wants to be perfect anyway!
and if you prefer video, I’m on YouTube! https://www.youtube.com/watch?v=9N08EzirSQk&t=7s