Sylvie & Jay Sylvie & Jay

Setting Your Financial Goals

Money management is mostly linked to your behavior and less of what you know.The things, people or experiences that we value affect the way we manage our money.

92CADD82-7386-40C6-8AB9-DA89262E3709.png

Money management is mostly linked to your behavior and less of what you know.The things, people or experiences that we value affect the way we manage our money. 

Our values are shaped by our upbringing, religious beliefs , culture, family, friends, and community.Our values and belief system guide our financial choices.

Our financial plan cannot be based on emotions and value alone. This is the reason why it is important to write down your financial goals and develop a concise plan for managing our money. 

03F8FCBA-7C3D-49A5-AC71-1F3A9D6A08EF.png

To win with money, you need to set goals, commit to your plan and be consistent.

1. Find your WHY: We were motivated by our mistakes, failures, setbacks and experiences to want a stable home for our kids. One that will not be indirectly controlled by those that we ‘work’ for. In the midst of our struggles and financial reset, we found our reason WHY. Ask yourself, what is my reason why? What kind of life do I want for myself and my family? Where do I see myself in the next 1, 3, 5, 10 , 20 years? 

2.Write down your goals and review them often. Our goals are attached to the end of our monthly budget sheet. When we do our budget, we are reminded WHY we need to stick with the program. It is very easy to loose focus in our fast paced environment. Develop a system that works for you. Maybe a post it on your mirror, or Alexa telling you each day when you wake up what you are striving what. Whatever you do, make sure that you maintain consistency.

3.Your goals should be SMART

4B6A84C3-A03E-40D3-9BB3-8482558E8BF3.png

Specific: What do I want to achieve? Be as detailed as possible. What challenges do you anticipate? When we set a goal of paying off part of Jay’s student loan of $73,000 in a year, we knew that we were going to face challenges.Some of which were not having to shop, not taking vacations, cutting back on family time and others. Acknowledging those challenges and knowing why we were giving up these things made it tolerable.

Measurable: How are you going to measure it? If your goal is too large, break it down into smaller pieces. Looking at $73,000 in a year is overwhelming. But when we broke it down to monthly goals, we knew we had to focus on raising $6,000 in a month. Focusing on the smaller monthly goals, eventually led to us accomplishing the bigger goal.

Actionable: What are you going to do (actions or steps to be taken)to achieve your goal? Is it cutting back on eating out, meal planning etc.

In the case of Jay’s student loan, some of the steps we committed to were working overtime to increase income, not eating out, meal planning, downsizing our home, budgeting, and cutting out cable. 

Realistic: Is my goal something I can achieve or am I setting myself up for failure? 

In setting our goal of paying off $73,000 in a year, we wanted to set a goal that was attainable and was also going to challenge us. Some months when we felt like we could not meet our goal, we were forced to make drastic changes. Some of which included Jay working 27 days straight in a month or the kids not having Christmas presents. This is where your reason WHY is going to keep you motivated. 

Time Bound: When do I expect to achieve my goal? This helps solidifies your plan. We wrote our deadline down to the hour of the day and minute that we wanted the student loan gone.

899BA453-5469-44BC-B1EF-DB53581DB2F9.png


In planning  your financial future leave nothing to chance.When you know what and why, it would be time to put the plan in motion. Maybe you are interested in resetting your financial life like we did, or you want to move your finances to the next level. Whatever the case,we recommend you create your SMART goals.

We are giving you the template we used to develop our goals. It worked for us and helped us develop a plan to pay our debt. It is yours FREE.

Read More
Sylvie & Jay Sylvie & Jay

Developing an attitude of gratitude

It has been shown that developing an attitude of gratitude helps you achieve your goals sooner and helps improve your overall health. It is about the mindset.

💕Today,  the smile on my 3 year old’s face as she babbles off her endless morning demands reminded me that we got to see another day. 

💕The caring nature and innocence of our 6 year old asking her sister to let ‘’Alexa” rest from playing all night , got me thinking that giving does not have be financial. Being there for another is giving of yourself. 

 💡Sometimes we get so focused on achieving our financial goals or fighting off our financial stressors that we forget to show appreciation. We lose sight of the blessings that surround us, the goals we have achieved and the drive and motivation that has been given to us.

It has been shown that developing an attitude of gratitude helps you achieve your goals sooner and helps improve your overall health. It is about the mindset.

How to cultivate an attitude of gratitude



1. 📝Make it a habit to write down each day the things you are thankful for that cannot be bought with money. Doing so consistently for 30 days will make it a habit. Better still, start a gratitude journal.

2. Talk about the people or things you are thankful for. Let the people you are grateful for know how you feel about them. You do not have to wait for a special occasion.
For example, at the end of the day , tell your spouse 3 things that you are most grateful to them for.

3. Do something for those you are grateful for. Simple things such as a thank you note, taking someone out to lunch, a phone call or a text message go a long way. Do not wait for the ‘other’ person to initiate contact. Be the sunshine in someone's life and let them know they were thought about.

4. Acknowledge your accomplishments no matter how small. You may not be where you intend to be, but you are taking action to get there. Be thankful for those small wins. They add up to the big win.

𝐖𝐡𝐚𝐭 𝐚𝐫𝐞 𝐲𝐨𝐮 𝐭𝐡𝐚𝐧𝐤𝐟𝐮𝐥 𝐟𝐨𝐫 𝐭𝐨𝐝𝐚𝐲?

What can you be thankful for?

Read More
Family/Relationships Sylvie & Jay Family/Relationships Sylvie & Jay

How to talk to your spouse about money

Talking to your spouse about money can be very challenging. This is in part because each spouse has a different relationship with money. The value they give to money, how they feel about money, the way they manage money, or their financial upbringing.

Talking to your spouse about money can be very challenging. This is in part because each spouse has a different relationship with money. The value they give to money, how they feel about money, the way they manage money, or their financial upbringing. 

7AC6AC68-08C8-4C3E-9071-7408133499C3.png

Due to these differences, It is no surprise that talking to your spouse about money can awaken feelings of anxiety, fear, resentment, and distrust.

 These money talks even though stressful, are necessary for a healthy marriage.

 𝐓𝐡𝐞 𝐠𝐫𝐞𝐚𝐭 𝐧𝐞𝐰𝐬 𝐢𝐬....... Some things can be done to make these conversations less stressful.

In our quest to build a stronger, and more solid financial foundation for our marriage, we realized that 5 things are needed for a couple to talk about money without fighting. 


 1- Be open and honest with each other.  Avoid playing the blame game. It is hard for ANYONE to admit that they are wrong. 

“HERE ARE MY STRENGTHS, HERE ARE MY WEAKNESSES. SINCE WE ARE A TEAM, HOW CAN WE SUPPORT EACH OTHER?”

2- Be aware of your emotions, and keep them in check. Taking emotions out of these discussions is a hard task. So talk to your spouse about the feelings you have about your current financial situation and how your feel thinking about the future. Lead the conversation with love, and focus on creating a financial plan to tackle any money problems. 

3- Schedule financial discussions and make them fun (why not make it a date night too? ) Try not to talk to your spouse about money when you have had a long tiring day at work, or when emotions are running high. Give your partner an added reason to show up. Make room in your budget for fun activities to keep each other motivated to keep working toward your goals.

 4- Be consistent. Be intentional and make these discussions recurring events on your schedule. Block out specific dates in the month and set reminders. Those small consistent changes add up to the big wins.

 5- Both parties should be involved. No spouse should dominate the conversation. Be sure to seek each other’s opinions. Ask open-ended questions that allow your partner to contribute more than a “Yes/No” to the discussion. If you have a difficult time controlling the conversation, get a timer and take turns talking uninterrupted. 

Talking to your spouse about money keeps you accountable to each other. It also facilitates you reaching the financial goals your set for your marriage sooner. 


Read More