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Frugal

how your thoughts influence your life

How to Change Your Outcomes By Changing Your Thoughts

In Frugal, Phenomenal

“Watch Your Thoughts, They Become Words; Watch Your Words, They Become Actions.” – Ralph Waldo Emerson I love the above quote by Ralph Waldo Emerson because he emphasizes that everything starts in your mind. Our brains internalize the messages that we speak and hear on a daily basis, so eventually, the things that we speak will manifest itself in our lives as actions. If you want to change your outcomes then you need to change your thoughts. You may think that a couple of thoughts about what you can’t do or what’s going wrong are meaningless.  However, your mind is like…

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7 Smart Ways For Single Moms to Use Their Tax Refund

In Frugal, Phenomenal

We are well into tax season and the last day to file taxes or request an extension is April 15th. If you receive a refund, think about how you will allocate your refund before receipt.  It’s easier to decide and commit ahead of time instead of waiting until the money is begging to be spent once it is in your bank account. My recommendation is to divide your tax refund so that you can accomplish your financial priorities and still have fun. When I receive my refund, I take 10% off of the top to tithe, and then I divide…

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How to Extend the Life Of Cloth Diapers

In Frugal, Phenomenal

Cloth diapers have numerous benefits over disposable. I outline those benefits here and how to minimize your upfront investment cost here. Given that disposable diapers are the norm, most of the advice that you will get regarding diapering will be from people who are familiar with disposable diapers. Therefore, it’s hard to recognize and know that the same rules don’t always apply to cloth. When you decide to cloth diaper you do need to be aware of the special precautions associated with cloth diapers. The key to being able to realize all of these benefits is to properly care for…

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How to Adhere to Your Goals

In Frugal, Phenomenal

Setting goals and plans for your life is a great start, but in order to be successful, you must stick to them. That’s the hard part. I have had times where I was super excited about a plan of action, set goals, and then nothing. The actions weren’t there even though the intent was. I realized that if I was having trouble accomplishing my goals then I needed to first evaluate if I really wanted what I said that I wanted. If I did, then I needed to develop a plan that helped me to stay on track and course…

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Determining and Prioritizing What You Want in Life

In Frugal, Phenomenal

Life is about choices and prioritizing what you want. Everyday we make decisions about what we will do and what we wont do. Even when we decide to do nothing we are still making a decision. Therefore, it’s no surprise that our decisions and our actions not only impact our financial well being, it also influences our ability to pursue our dreams, and live life on our own terms. You can’t do everything, but you can live a life without deprivation that brings you happiness by learning how to make decisions and prioritizing your spending and actions based on the…

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