This post was sponsored by COUNTRY Financial, all opinions are my own.

With the purchase of this new home, both Ian and I have been trying to take simple steps to be more fiscally responsible. For Ian, this isn’t difficult because his love language is me NOT spending money. For example, for his birthday I will not buy him a present and save the money instead which he loves.

Ridiculous.

Ok, so it’s not ridiculous, but my love language is GETTING people gifts. I’m a gift giver. I love it. If I could give everyone a puppy or a new wardrobe for all the moms I know, I totally would. Legitimately. I was joking with Ian the other day that my name should be Adriele Paige McSpendy Dixon. He laughed because he knows it’s true.

No matter what stage of life you’re in, it’s important to have a plan for the future. But only 28% of Americans say they have a financial plan in place, while 44% say they do not have a plan, and 28% aren’t sure. Achieving your goals takes planning, and it starts with a few simple steps.  When you’re looking to achieve a financial goal years down the line, it can be tough to connect that to your everyday habits now. But making small adjustments in your budget can add up to big savings and make your future goals that much closer.

With the new home and a higher mortgage, I knew I wanted to make some simple changes in the way that I operate to allow me to plan for our future and cut back on my general spending. Here are a few easy ways I’ve done that:

  • Swap out my Starbucks for coffee at home. I still get a drink from Starbucks occasionally, but I have found the Caramel Macchiato from Gevalia to be delicious and MUCH more wallet-friendly than my typical drink I get in the drive-thru.
  • Use apps such as Honey or Ebates to help you save money online. More often than not, with a quick google search, I can find items at a lower cost. These apps find you coupons or give you money back for purchases.
  • Sign up for emails with a company- more often than not the will offer a discount on your first order.
  • Shop my closet. This may be the simplest way to save money, but it does take a bit of a closet clean-out first so that you are reacquainted with what you actually have. I can’t tell you how many clients rediscover clothes they forgot they had after we went through everything they own.
  • Sell any items that are still in great condition on sites like Poshmark or ThreadUp. Take the money you make and either save it towards a financial goal or put it in a special “clothing” fund so you can use it when you need something new.

These simple steps allow me the chance to make small changes which help towards a larger end goal! Big financial goals can seem overwhelming. If it’s a goal that’s way in the future, like saving for college or retirement, it can be hard to know where or when to start. But it’s all about taking those first steps—and it’s simpler than you might think!

For more simple steps to achieve your financial goals, visit https://bit.ly/2HpGyKG and #TakeSimpleSteps.

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Adriele