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With the holidays right around the corner, I as well as many others have thought about what, who, when and where our dollars and cents will be going to. So with that in mind, I wanted to share some helpful personal finance tips that may give you an AHA! moment and get you on track to financial freedom.
Keep in mind; I by no means am a financial expert. I am just an average woman, wife and mother enduring the some of the same financial conflicts many other working families.

1. Be realistic of what’s in front of you – keep in mind that you may not be able to accomplish every financial goal that you set. Be positive and stay motivated.

2. Focus on primary goals. Be sure to make a list of the most important goals you wish to accomplish first and keep the less important ones temporarily off to the side.

3. Choose goals wisely. What’s on the top of your list? Is it setting up an emergency fund, paying off debt, or setting money aside for the kids' education? Once this list has been created, rank them in order of importance and begin tackling them

4. Be prepared for the unexpected. Things will come up that you didn't plan for and which are out of your control. Don't let these minor setbacks deter you from your goals

5. Make it a family event. Involve your spouses or significant other to reach financial freedom. Be sure to keep everyone in the loop of any changes that may occur with the family finances. I believe as parents we should instill financial responsibilities in our children. We should make them aware of certain things that are going on financially and should not be surprised when they aren't able to get what they want.

6. There is no better time to begin this change than now. The longer you wait, the harder it will become to reach them and the more you’ll be kicking yourself for it.

7. Prioritize your goals and keep a keen eye on spending. Cutting back and focusing on what your family needs as opposed to what they want you stay focused and on course.

8. Don't cry over spilled milk. There are things within your control and things that are not. Live in the now, don’t dwelling on the past; it will not change your current situation. Keep a positive mindset and try to steer clear of negativity.

9. Reexamine your goals often. Keep an eye on your progress and setbacks, learn from them and keep at it.

10. Reward yourself! This does not mean going on a shopping spree, it simply means that if you paid off let's say a credit card bill consider taking the family out to dinner or plan a nice day trip. Giving yourself these simple luxuries will keep you motivated and will teach your kids the value of accomplishing important goals.

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