How to Create Financial Goals //

The very first thing you need to do before you even think about creating a budget is to figure out your WHY. Why do you care so much about getting a budget? What do you hope to achieve? Sounds really cliche but I promise you that it is WORTH IT to take the time to sit down and figure these things out.

Why You Need to Create Financial Goals (and How) // Hey Annie Demm

Finding Your Financial “WHY”

First thing I want you to do is think short-term. What financial goal would you like to reach within the next year? Make it something that is realistic and achievable. If you are in six-figures of debt, aiming to be “debt-free” in a year probably isn’t going to be realistic (but hey, maybe it is!). Here are some examples:


  • “I’d like to pay off my $3,000 credit card balance”

  • “I’d like to pay off my smallest student loan”

  • “I’d like to have $5,000 in savings”

  • “I’d like to take my spouse on a weekend getaway

When I started my journey back in March 2017, my short-term goal was to get $1,000 in savings. It was realistic, straight-forward and an actionable baby step.
My current short-term goal is to pay off my smallest student loan, which is currently around $900.

Using a Five Year Plan

Okay, now that we’ve dipped our toes into financial goal setting, now I want you to think five year. Who do you want to be in 5 years? What kind of life do you hope to lead? Where would you like to be financially? My five year financial goals are:

  • Be completely debt-free by 30 years old

  • Have our house fully renovated

  • Have traveled internationally extensively

  • Be working a job that I love and is more flexible than teaching

  • Be able to give and surprise others generously

Think of being debt-free. Think of owning a home. Think of owning your car. Think of paying in cash for vacations. Think of making six-figures. Think of giving generously. Think of where you could be in just 5 years time. Now, you have a job. GO WRITE THIS DOWN. I revisit my financial goals- including my five year plan- every moth when I do my budget. It reminds me of why I’m cutting back in certain areas or why I’m throwing so much money at debt instead of eating out.

Find Your Big Goal

Okay, one last thing. Use your short-term goal and your five year plan to find your THING. By now, you should have a pretty sturdy idea of what you need to do in order to get to where you want to be in five years. For me, I know my big goal is that I want to be debt-free. Maybe your why is that you want to have $20,000 in savings. You want to have a down payment for a house. You want to be out of credit card debt. You want to pay for your kid’s college. What is your goal? Tell me in the comments!

Tell me what your big, wild financial goals are!

13 TOTALLY FREE Things to Do in Chicago //

13 TOTALLY FREE Things to Do in Chicago //

We just got home from a five day trip to Chicago. It was our first time ever visiting and we immediately fell in love. Having control of your money means having a budget and having a budget sometimes means saying no to spending money. But that doesn't mean you can't have fun! We found the BEST free things to do in Chicago...and a few of them may surprise you! 

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My Planner + Budget Organization // FREE Printables

My Planner + Budget Organization // FREE Printables

Yesterday, I put on my Instagram Stories some sheets I was using to organize my budget for August and people messaged me asking about the planner I was using. There's a lot of information here, so I figured I'd put it in a blog post and also make the sheets I use editable and printable so you can use them to get in charge of your finances, too! 

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Baby Step #1 // FPU Update

Baby Step #1 // FPU Update

Hello, there! Life has been busy lately- filled with work, appointments and classes. Specifically, we're taking Financial Peace University, a financial class that my church is hosting. We've heard AMAZING things about the class from family members, friends and strangers about how Dave Ramsey is helping so many people transform their spending. Today, I wanted to share my thoughts so far and our progress made. 

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March 2017 Recap //

March 2017 Recap //

Wow, March is typically a really long month that drags on for me, but this month FLEW by! I loved this month. I don't know if I was happier because I was off social media, or because I had an amazing St. Patrick's Day weekend or because I have a job... but this month was filled with good, amazing, sad, hard, frustrating, lovely, relaxing, incredible stuff. 

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