Explore your financial dream
January Money Diet

Explore Your Financial Dreams

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Dear friends,

Many of you have been sharing the creative ways you’re having a fabulous January without spending money.

Yesterday’s challenge was to figure out a way to earn extra money this month. Crystal decided to take a decisive step and advertise her homemade jams, jellies and preserves. She writes, “I was surprised to get 7 orders already.” How about that for fast results? Great job, Crystal!

Colette has been working consistently on a large decluttering effort in a spare bedroom. Linda shared that she calculates her net worth every month. “Years ago I read that wealthy people focus on net worth more than other things, and I thought it might be nice to emulate them,” she writes.

We love hearing your stories and ideas, so keep them coming.

Also, watch your inbox this Friday 1/15 when I’ll be giving away a special surprise to one lucky money dieter during our Mid-Month Check-in.

As the January Money Diet progresses, perhaps you’re experiencing the wonder and joy of a checking account balance that holds steady.

I’ve been doing this challenge for many years, and I still get excited by this realization: If I don’t spend it, it will still be there!

The greater truth then becomes: If I am mindful and thoughtful, perhaps I — a regular, working person — can do something extraordinary with money.

Think Bold, Audacious Financial Dreams

When I worked for a publishing company, we held an annual retreat for the managers. Away from the daily demands of the company, we could consider our collective hopes and goals, and make plans for the future. Many big ideas were hatched during these retreats.

Each day is busy, and I’ve learned that if I don’t make time for this kind of Big Picture thinking it never happens.

Sometimes we all need a little self-imposed quiet time to reflect and think.

Your challenge this week is to set aside some time to explore your financial hopes and dreams.

Perhaps, like me, you’d like to write your thoughts on paper. Here are three questions to consider:

  • When you think of financial freedom, what comes to mind?
  • What specific steps do you need to take to feel peace about your finances?
  • What extraordinary thing would you like to do with your money?

Goals Change Over Time

My goals used to be heavily focused on getting out of debt, which was a dark cloud hanging over me. The relief and freedom I felt when I made the last credit card payment was unbelievable. If this is your dream, too, I encourage you to stick with it.

When I launched my own business, my first goal was simply to earn enough to pay the monthly bills. Later I added savings and investment goals.

Today my financial priorities include having adventures with my family, saving for the future, doing home improvements and giving back.

How About You?

Your challenge today, if you choose to accept it, is to sit in a quiet place and think about your Big Picture financial goals.

Where would you like to be at the end of 2020?

How about in five years?

Where would you like to be in ten years?

If you feel like sharing, we’d love to hear about your money dreams and goals in the Money Diet Community Facebook Group.

Here’s to big dreams and good things in the year ahead.

Best always,

Eliza Cross's signature

P.S. I’m so grateful for the 2021 January Money Diet’s generous sponsor YourMoneyFurther.com and the Open Your Eyes to a Credit Union campaign. To find a credit union near you to stash your JMD cash, use this handy Credit Union Finder.

Eliza Cross is the author of 15 books, including recent titles like Bacon Beans and Beer and Small Bites. She blogs at ElizaCross.com and is the founder of the BENSA Bacon Lovers Society. Her articles have appeared in publications like Sunset, Parents and Writers' Digest. Eliza lives near Denver with her family.

One Comment

  • Kimberly

    My goals and dream is saving to buy land with a home and saving so my husband can retire. I had to quit working a few years back because of health issues and my job now is to save as much money as we can. We are debt free and promised God to never go into debt again and that means for a home with land. I am trying to find ways to make money to help us save for that. I garden and cook all meals from scratch. There are very few extras but it will be worth it in the long run. Praying this is God’s plan for us.

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