As move through the last quarter of 2013, it’s really
already time to start thinking about 2014. I want to
challenge you not to have the same old thoughts and set the
same old goals – both of which usually fall apart somewhere
between December 26th and January 5th
of every year. Promise yourself that this year you’re going
out with a B.A.N.G. and that same
B.A.N.G. is going to propel you all the way through
2014! Why make this promise to yourself? Because you and
your innermost promises, goals, and dreams should be the
most important things to you! Additionally, your word should
be your bond that is never broken!
Many people tell themselves they are going to do better
financially in the New Year. However, most people don’t know
what they need to do to make that happen, so they either do
nothing or keep doing what they’ve been doing. B.A.N.G.
is your master financial plan that starts today and comes
with an unconditional guarantee that 2014 will
end much better than the last few years if you keep your
promise to yourself and B.A.N.G. your way
B.A.N.G.B is for budget. Yeah! Yeah! Not only have you
heard it before but you hate it too! Trust me that I really
do know that! However, the more you budget and stick with
it, the more money you will start to have – my promise to
you! Go to my website right now:
and download the spending plan template from the Free
Downloads page. A spending plan is a written plan on how you
will spend your money, which is the same as a budget. The
first time you fill out the template you will probably have
a negative number at the bottom, which is fine. Keep track
of every penny you spend and complete a new spending plan
every time you get paid. Make adjustments and changes each
time so that if you had a negative number at first, you work
towards only spending what you make. Once the money coming
in equals the money going out, the next set of adjustments
will allow you to spend less money than what you bring in!
When that happens, presto! …you have extra money for your
savings account! You are now moving toward making your
innermost promises, goals, and dreams into a reality!
B.A.N.G.A is for Action. Part of keeping your promise
to yourself so that your innermost promises and goals start
to come true, is to keep taking massive, immediate, and
ongoing action on your budget. This is especially important
during those months when you had unexpected expenses like
brakes, tires, or extra prescriptions to fill. Ongoing
action also means passing up that killer outfit that’s on
sale, and going into the back of your closet instead to dig
out one of those “other” killer outfits that still have the
tags on them and then strutting the heck out of it!
Understand that it’s the massive, immediate, and ongoing
action on your budget and your willpower that will transform
your finances in 2014 – if you start today! Today is the
“immediate” part. No more procrastination is allowed here!
B.A.N.G. N is working to develop a
Never give up spirit, attitude, and mindset! Sometimes our
negative self-talk gets us into trouble. Making it all the
way through 2014 to end it with a financial B.A.N.G.
is going to be tough, but definitely well worth it! To
develop a never give up spirit, attitude, and mindset, you
must read personal development websites, articles, and
magazines. These resources become the mental vitamins you
need to keep you strong and able to take the massive,
immediate, and ongoing action to make your B.A.N.G.
B.A.N.G.G is goal setting. The next step in changing
your financial future is to write down both your short-term
and long-term financial goals. Ask yourself what is your B.A.N.G. going to allow you to accomplish in
2014? What do you want to accomplish by 2017 (in the next 3
years) and by 2019 (the next 5 years)? After you write your
goals down, take the time to make a bullet list under each
goal of things you need to do to reach that goal. If you
only focus doing what’s on the bullet list, you will reach
your goals! As with anything else in life, without written
financial goals and specific plans for meeting them, we
drift along and leave our future to chance. A wise man once
said: “most people don't plan to fail; they just fail to
plan.” The end result is the same: failure to get your
finances where you want them to be…but making your
B.A.N.G. happen changes that!
There is a lot of meat in this article that you really need
to take Action on today (immediately!) to put yourself in
the position for big changes in your life in 2014 that will
bring you happiness and a strong sense of accomplishment.
The next article will follow up on this article with
additional information to help you keep your B.A.N.G.
going to propel you all the way through 2014!
About the Author: Jennifer S. Matthews is an award-winning
author, motivational speaker, and is trained as a financial
coach. Her award-winning book 12 Ways to Put Money in
Your Pocket Every Month Without A Part Time Job, was
also nominated for a 2013 NAACP Image Award. The book shows
readers how to create hundreds of dollars in cash every
month from within their existing income. Visit Jennifer
and sign up for her newsletter. You can also purchase her
book, take advantage of free downloads, and much more.