They say it’s better to be late than never. They also say you can never teach an old dog new tricks. Well, I’m here to say I’m old and I learned something new and it’s better learning it now than learning it later. What I recently learned is that it is best to financially plan and SAVE ahead. Think about what you want to accomplish in the near or distant future and then save for it. In the ‘before time’ I just did things and paid for it heavily later. Not any more. I think about my future goals and I sit down, calculate the costs involved in accomplishing my dream and then save money for it so that it can successfully happen.

Why oh why did I not think of this resolution sooner?

So, one of my future plans that I am now currently saving for is my annual snowbird trek in the winter. In the ‘before time’ I would just go and worry about paying it after I got home. Not anymore. I am consciously socking away savings so that I can finally enjoy my winter breaks without feeling any financial pain afterwards. I am enjoying this new habit of mine so much that I started saving accounts for other future goals I am going to have such as, by next spring, we are going to need a new lawn tractor (prices starting at $1800 OUCH!)

I know, I know…..this was supposed to be a given but what I used to do was make the trip, buy the thing and then put it on a zero interest credit card and pay it off afterwards. This was doing it backwards! No more….I like saving for a goal going forward instead.

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