This post is sponsored by Responsival.  All thoughts and opinions are my own.  I welcome any and all feedback.

I’ve worked in finance for over 15 years and money is a tricky thing y’all and also a sensitive topic for so many families/relationships.  I try to to be mindful about what I spend and what I need.  But, I also like to spend money on things that some may deem “not necessary”.  I don’t own any crazy expensive shoes or purses- but I do like decorate my home, buy coffee, and dress my kids cute!

Whatever you choose to do for yourself or your family is YOUR decision!

Here are some tips that have helped me to feel financially secure over they years & I wanted to share these tips with YOU!

1. Set LIFE goals-  Setting goals is something that Terence and I have done since we got married.  Whether they were short term goals or long term goals it helps to have an end goal in sight.  It could be paying down debt, student loans, saving for a trip, or building up our emergency fund- the point is setting goals gives you an incentive to work hard and reward yourself when you get there!

(Germany 2018)

2. Make a Budget-  From the beginning of our marriage Terence and I have always set a budget.  That budget has fluctuated over the years as we’ve become more financially stable, but having a budget helps keep you responsible and accountable for your actions.  Make it known what you require as a need vs. want.  I know one of my “needs” is coffee. Ha ha!!!  But y’all knew that!

3.  Pay Off Credit Cards- Credit cards tend to have the highest interest rate.  As tempting as it is to put money towards your student loans, house, or car…pay off the debt that is charging you the most in fees/interest FIRST.

4.  Start Investing- The sooner you start investing the more your money will grow and work for you.  Even if it’s just a little bit each month at first, every little bit counts in the long run.  If you are in DFW and looking for a great financial guy, we love ours HERE.  Saving for your kids future is going to cost you a fortune too.  If you think higher education is in your child’s future, consider a 529 savings plan. You make contributions and invest the money with this plan, and funds can be used at any accredited school in the U.S. When the time comes to pay for college-related expenses such as tuition, book, and room and board, you can withdraw this money tax-free.

Two TCU Fans 🙂

5.  Get Insurance- Always make sure you are insured as a parent, whether it’s life insurance or short term disability.  Life is crazy and nothing is certain.  The last thing you want to do is leave your family in a state of sadness and financial despair.  Having life insurance coverage will bring you and your family peace of mind.  It will also provide security for your kids.

One day they are off to summer camp…the next off to college…I’m not going to cry!

(Connor had a great week at Pine Cove camp this year)