Thursday, January 18, 2018


I hope you are having a great week! This is a great time of the year to develop a personal as well as financial growth plan. Everything starts inside and grows to the outside. For example, most people spend more than when they are feeling less than in the inside. As for today, I just want to talk about what a financial growth plan looks like.

 It starts with being able to completely pay your financial obligations in full each month.  If you don't have any extra then that's an indication of either overspending or a need for additional income. Sometimes it means both! Either way the process of meeting your current financial obligations will always direct your next step in financial growth.

Every growth plan needs an emergency account. It's inevitable that emergencies will arise unexpectedly;  however, being prepared for those emergencies will reduce a lot of stress. Most importantly it will prevent you from getting into any sort of debt crisis.

 Next, is having  a short-term savings account.  This account is to meet any short-term needs you may have such as vacations, new home, new vehicles, etc.  This account provides a buffer between your other savings accounts.

 Last, is having a long-term savings account such as a retirement account. If you work hard then this is your play hard account:) The exchange for working and receiving money is you are trading your valuable time. Therefore, why not get some of that time back in your later years.  The only way to get that time back is by having enough money saved so you are financially free and do not have to not work at all.

Let's say all of these accounts are fully funded and you still have extra then you can stock pile the extra into a separate account. This money  could be used towards investing in real estate, stock or even a business.

As always thank you for reading and I hope you have a blessed rest of the week

 Antonio Melani blazer........similar here
Antonio Melani floral dress....similar here
Jimmy Choo ankle strap heels....similar here


  1. This is a great way to look at savings! I don't have a specific emergence account, our savings account is it, maybe I need to set aside something separate! I like your outfit too, such a pretty printed dress.

    Hope that you are having a wonderful weekend! We're going to have a quiet one here after a similarly quiet week, as we've been a bit under the weather.

    Away From The Blue Blog

    1. Hi Mica! You may not need a separate account. Sometimes it just help having separate accounts that match your different goals in life . I pray you are having a beautiful weekend. The temperature was fairly warm for us so I'm very grateful:)