Today we’re talking about the dreaded…..budgets.. I promise this doesn’t have to be something you hate or feel like is a negative thing. In fact, it’s actually the opposite! A budget allows you to create a plan so that your spending aligns with your goals and you won’t feel guilty.

Utilizing sinking funds to organize your savings is absolutely vital in maintaining your long term financial growth and ensuring you are as prepared for the unprepared as you can be.

Changing your money habits and becoming more intentional in your spending is hard. You’ll have to get used to saying no to things that don’t align with your goals and values so that in the long run, you’re moving the direction you want to be in.

First thing is that your FSA money needs to be used by the end of the year! If you have a FSA account, that money does not roll over to the next year, it's a use it or lose it.