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Little by Little, I Am Getting It Done!

October 9, 2024 October is the fifth month of participating in Project Money. Besides learning a lot about managing my money and planning for a better financial future, I am seeing tangible progress in my short-term and long-term financial goals. I have acquired better spending habits when it comes to day-to-day expenses. I am more aware of my budget and my unexpected spending.By looking at my financial goals, I was able to prioritize and decide which debt, which goal and which expenses I wanted to plan for and tackle first. One of the first steps I was able to identify was where to save in my budget and how to increase my income. With my Project Money coach, we were able to reduce some expenses, and after I found other sources of income, we started prioritizing. By focusing on my financial goals, I was able to complete small steps that are helping me to shape a healthy financial future:
  1. I paid some credit card debt. By doing this, I saved money on interest rates and reduced my monthly expenses in my budget.
  2. I increased my income. By getting a part-time job with my full-time job, I can save more money and pay for unexpected expenses.
  3. Managing my separate accounts. I am allocating money to my savings, trip and emergency fund accounts, making it feasible to achieve the short-term goals and clear the path to the long-term goals.
  4. I am contributing to my retirement funds. I am allocating extra money to my retirement funds. This is important to me because I immigrated to this country later in life, so I didn’t start my retirement plan early.
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