Goals Life Lessons

Things I’m Doing To Get Back On Track This Summer

Confession time! I pride myself on being real with others so I’m about to be real with you. The past few weeks I’ve been slacking. I know, I KNOW! We all have times in life when we slack. It’s hard to be on 24/7 and excel in all areas of your life. This is how burnout happens, which leads you to be less productive in the first place. If anybody knows about being burnout, it’s me.

Granted, I’ve been sort of casually floating but I’ve been using travel, work and my health as an excuse. For the past two months, to be honest. And after working on my vision board and coming up with some goals, this isn’t gonna work. As a matter of fact, I’m already declaring my birthday goal to be, if it doesn’t line up with where I’d like to see myself, I’m not doing it. Not everybody or everything deserves your time or energy. And it’s up to you (me in this case) to be protective and take it back. So, this is how I’m doing it.

Give Myself Extra Time

Gah! I am the absolute worse at estimating how much time something will take to be completed. I love assigning different hours of my day to different tasks but to be honest, I really underestimate how much is needed. And it’s not a case of done is better than perfect either. It’s legit just me underestimating things. Something that will really take a few hours is only assigned one hour by my standards. This is a set up for epic failure on my part.

Going forward, I’m going to try to give myself additional time to complete tasks. This will be everything from work projects to cleaning at home. I already live by my planner so just making sure I keep it updated with things that are due and plans I’ve already made will help. Staying organized is important when practicing good time management!

Put In The Time

I know what you’re probably thinking after reading the above. Athena, you just said that you were going to give yourself extra time to complete tasks and projects. Yeah, I said what I said. And I will continue to stand by it. But to be perfectly honest, I don’t put in as much time as I should on certain projects, primarily my website. One of the reasons I’m so behind in my goals financially is because I thought I’d be earning a lot more money by now. The two clients I work with and love don’t take up that much time yet after I finish the projects, I give myself permission to check out and run around with friends. And that’s nothing on my friends, that’s entirely on me. I love being out of my house and having a very blessed social life. But it’s reflecting on my time I allocate my business and major money making the opportunity.

In order to grow my income, I will be shifting the amount of time to grow my website substantially. It will be done in small increments to avoid being overwhelmed so I can stay focused and I will be working on completing projects I’ve been sitting on for months. My goal with this website was to be as honest as possible while helping my readers live their best lives, through personal finance and life knowledge. I’m not doing that if I can’t walk the walk myself. It’s time to check myself before I wreck myself.

Get Back To Cash Envelopes

For the past month, I’ve been playing with the idea of getting back to cash envelope method. For those of you who don’t know what the cash envelope method is, it’s pretty simple to explain and put into action. At the beginning of each pay period based upon your budget and financial goals, you allocate a certain amount of money towards variable spending categories, such as groceries or entertainment.

You then withdraw cash from your bank, write different spending categories on envelopes and place the cash into the corresponding envelope. The key to a cash envelope to being successful is you only fill it with the predetermined allocated amount. Once that amount is gone out of the envelope, it’s gone.

Cash envelopes are an amazing way to grow self-discipline, keep yourself on track and see where your money is really going. But they only work if you utilize the system and don’t cheat. Withdrawing additional money from an ATM or using your card for spending would be an example of cheating. For full information, you can check out the system from the man who created it, Dave Ramsey.

I’ve used cash envelopes three times this past month and have had success. In two of the instances, I spent everything in the cash envelope but nothing else. The last time, I came under budget! I’m going to continue to assign cash in an envelope for trips and my weekly spending of food, gas, and fun. This has been helpful and as long as I don’t go out to eat very often, I can stay on track. Eating out is a luxury that leaves me feeling crappy so it’s something I need to limit anyways.


Work On Personal Development

My go to coping mechanism when I get stressed is to check out,mentally. I will literally sit on my cell phone and scroll endlessly on social media sites, especially Facebook. Wasting time on social media isn’t something that will help me reach my goals faster so I need to stop. I’ll be allowing myself a few minutes in the morning and evening and after that, no more. I can deal with my stress in other, more productive ways.

One of the more productive areas I hope to start spending time in is my faith. A friend invited me to church a few weeks ago and it was just what my soul needed. When I attend church and pray regularly, I feel a lot better about life, mainly being anxious about things I have no real control over. Church and prayer also reminds me of personality traits and actions I’d like to practice such as compassion.

Along with church, I’m hoping to keep active and read more. My hospital stay last month reminded me how much I love reading every night before bed so I’ve been picking that up. I’m hoping to finish the current book I’m reading and at least eight more to help with my goal of reading 36 books this year.

I’ve also been more active consistently due to FitBit challenges between myself and friends. Every week, we compete to see who spends the most time on our feet while teasing and cheering each other along. It’s been not only fun but helpful! Some days, I don’t feel like working out due to the heat Phoenix is known for. But if I can still see that I’m active, and spending time running around during the day, I don’t feel as bad. It’s also a great reminder for me to move at work given that I have a desk job.

Keep The End In Mind

Having so many goals for myself and areas to focus in, it’s hard to stay motivated. If having a few mental illnesses that are prone to slowing some down aren’t enough,  it’s still easy to procrastinate. It’s human nature to want to sit around and take the easy way out. If it wasn’t, a lot more people would be highly effective and successful. The laziness of summer just adds to it. By keeping the end in mind, I’m hoping to stay motivated to turn it back around.

I created a vision board earlier this month to help me stay focused on my end goals. It was through completing this exercise that I was able to see the life I want and what that really looks like, to me. My vision board wasn’t entirely anything I can’t work towards and a lot of it has to do with previous steps I’ve taken in my life as well as where I’m at now. I’m really happy and proud of how far I’ve come, especially in the past five years. I’m grateful for my cute apartment, my career and everything else God has blessed me with. Now, it’s time to keep my vision in mind as I set off to the next step in my journey. By keeping the end in mind, I’m hoping to do just that.

Summer has a way of sneaking by but I’m a firm believer that change can happen any season. What about you?



How To Make Goals That Actually Stick

In 2014, I had a Legally Blonde moment. You remember, that scene where she is dressed up as a Playboy Bunny and everyone mocks her? She gets angry and then hones in on her goal that she really does belong at Harvard.

My moment wasn’t so dramatic. It consisted of me sitting on my boyfriend’s couch while my boss told me I wasn’t eligible for a position I applied for within our company. Even though at the time I have over ten years of experience in our field, I still couldn’t interview. I didn’t have a bachelor degree and it was required at our organization. After I cried, I vowed to get my bachelors from ASU within two years so I could never be denied an opportunity because of my education again.

Twenty months, hundreds of tears and $20,000 later, I was proud to hear my name called at a graduation ceremony in front of thousands of others. Although receiving my diploma was the happiest moment of my life, getting a promotion the next month didn’t hurt. If I hadn’t followed the steps below, I wouldn’t have been able to achieve this or some of other proudest moments. I wouldn’t be able to make goals actually stick.

Understand The Power Of Goal Setting

I am a firm believer in the power of goal setting. Anyone can have a vision or a dream they wish to accomplish but without actionable steps, it remains just that. A vision or dream.

I like to compare vision and goal setting to taking a road trip. You have an idea of where you eventually want to go and end up at (vision) but you need steps to get there (goal setting). If you want to go to Virgina and you live in Arizona, how would you get there? You could take random roads to see if something sticks. This may cause you to end up in Virgina, but certainly not the fastest route. And in the worst case scenario, you may not get there at all. In fact, you could be stuck somewhere you had never wanted to be in the first place.

This is why goal setting is so important when you have a vision or dream for yourself. It acts as a GPS system that will get you to your final destination, despite a few minor bumps in the road. You may have a setback or two, just like you would on a road trip, but you’ll eventually get there. You’ll also get there a lot faster than if you had just taken the side roads.

Know Your Why

Knowing your why is just as important as having a vision. Why do you want something for yourself? Is it truly for you or for others?

I’m a very codependent person. It took me years and a few failed relationships to understand what was truly going on with me. It also has taken time and a therapist to help me start breaking my flawed thinking pattern. I don’t think I’ll ever be really “healed” from codependency as it’s a coping mechanism. Some may even say it’s an addiction to people, just like some are addicted to drugs.

I share this about myself because for so long, I was doing things for other people. I had no “why” behind my goals or vision, it was more for others around me or to mold myself to fit into my surroundings. While I was successful in one aspect of my life, I wasn’t very successful in others until I started to fully take responsibility for my own happiness and success. I needed to find my “why.”

A great exercise is to make a list of things you would like to accomplish for yourself in the next year or even five. Then really think about the “why” behind them. Getting your finances together sounds great out loud but without the meaning or why behind it, it may be hard to achieve. If it’s because everyone else around you is buying a house, that’s probably not a great reason. But financial freedom and security for yourself? That sounds good. If you aren’t truly satisfied with your answers, see if your energy would be better suited towards another goal.

Is Your Goal S.M.A.R.T?

General ideas do not make very good goals. If I were to say, “I want to lose weight,” I am leaving a lot of room for imagination or comprehension about what my goal is or could be. Do I want to lose five pounds or twenty? Am I going to diet or just work out? Will I have to check in with someone else or just myself? It’s confusing, frustrating and a good way to set yourself up for failure.

SMART goals, as first described by Peter Drucker are Specific, Measurable, Achievable, Realistic & Time-bound. Using this formula, we can walk through what a “lose five pounds” example might look like in action:

  • Specific- I would like to lose five pounds.
  • Measurable- You can weigh yourself on a scale once a week.
  • Achievable- I can achieve a five-pound weight loss through healthy eating and working out as I have no known medical issues that prevent me from doing so.
  • Realistic- I can lose five pounds because it’s not one hundred and a pound a week isn’t unreasonable.
  • Time-bound- I will lose five pounds over five weeks.

You do not have control over if you lose five pounds over five weeks or not but you do have control of your actions to lose five pounds. When you actively participate in the steps to achieve your SMART goal, the outcomes are usually successful.

Is Your Environment Set Up To Help You Thrive Or Fail?

I hate the saying you are the five people you spend the most time with. I don’t think this is true for a lot of people. Someone close to me is a prime example. Despite their income level, they do not spend time with a lot of people who are also high earners. Instead, they spend their time with people who share their same passions, beliefs and common interests.

Despite saying this, I am still a firm believer in making sure your environment is set up to help you thrive. When I was in college and working full time, I had a terrific support system. According to the statement above, I should have surrounded myself with people also in my same predicament.

But instead, I surrounded myself with friends who would respect me if I said I couldn’t go somewhere or had to last minute cancel plans. My father, who only took a few classes when he was younger, made an effort to buy my textbooks one semester when I needed help. My boyfriend listened to me when I was having a bad day and never batted an eye when I had to do homework during our limited time together. And when I traveled to see my best friends, they never made me feel bad when I had to lock myself up in a room really quick to take a test.

Because of I surrounded myself with good-natured people who respected me, I was able to flourish in college and in life. I had a reliable support system and people who I loved and I respected just as much as they did me. The good support system I built for myself in school was also the support system that got me through my cancer treatment early last year.

Make sure your support system loves you, cares for you and respects you. You may not be able to binge watch Netflix with them and instead need to go for a run. You might not be able to go on that cruise because you are more interest in paying off your car. All of this is okay. It’s okay to spend time on your goals and no one should make you feel guilty about this.

Be Nice To Yourself

Above all else, be nice to yourself. It’s hard sometimes to treat yourself as good as you treat someone else. I’ve been guilty of this. I would never tell one of my friends they weren’t good enough or fat, yet I tell this to myself, sometimes often. It’s not true and I am my own worst critic.

It’s also especially hard when you aren’t achieving your goals as fast as you would like. If you aren’t achieving something fast enough, remember to be patient and just keep at it. Keep your head in and continue to work on your dream. Sometimes goals take longer to achieve and that is okay.

Treat yourself like you would treat your own best friend. Give yourself words of encouragement, make time for yourself and love yourself.

Closing Remarks

Goal setting doesn’t have to be difficult and neither does achieving them. By understanding the power of goal setting and knowing your why, you are laying down the roots of your foundation. By setting SMART Goals and getting your environment in order, you are setting yourself up for success. Being nice to yourself when you fall is going to allow you to get back up and keep going.

Goal setting doesn’t have to be hard and by following these steps, you can make goals that will actually stick.


New Year, New Goals

Another year in the books, another year to start fresh!

To say last year started off rough was an understatement. Being recently diagnosed with cancer, I had a lot of unknowns. Did it spread? How sick was I going to get? Would I ever get better? Even with having treatable cancer such as thyroid, it was still really hard on me. I was terrified, confused and just trying to be positive about the whole situation and life in general. Then, a close friend I worked with lost her fight with colon cancer in April.

Her death was very sobering for me. Having known her cancer was terminal when she was first diagnosed, she never gave up her fight. She did every treatment her doctors suggested to her, worked until she couldn’t any longer then happily volunteered at the school we both taught at and traveled a lot. She was feisty, fun and left an impression on everyone who knew her and the thousands of students she worked with throughout her career. Here I was, crying over something that hadn’t even spread and my friend had lost her life still doing what she loved until a month before.

In May, I made more of a conscious effort to get my life back on track. Travel became a priority again and so did spending time with friends. I dealt with some other health issues that had been looming over my head. My business started booming. Even when dealing with burnout in October, I can say that 2017 was good to me in regards to what I wanted to focus on, being health and wealth. I can’t complain and I can say right now in my life, while still dealing with unknowns, I’m happy.

For 2018, I will be going back to having actual concrete goals and not power words. I want to be able to measure my progress and give my actions the intention they need to move further on my journey and purpose. Moving forward, my primary focus will be on growing my business and my health. I’ll be allowing myself to have goals in other areas of my life and may have certain projects I’d like to do, but most of my time will be spent on the prior. By focusing on my business and health, I’ll be able to lose weight for some of my health issues and I’ll be able to achieve the financial goals I have set for the year.

2018 Goals

Business (And Professional)

  • Regularly post on Money Smart Latina to bring resources and opportunities to help young women live their best lives. (All year)
  • Match half of my day job income through my freelancing and blog. (All year)
  • Create three freebies & two products (one e-book, one on Teachable). (Both completed by 9/15/2018)
  • Grow social media channels and newsletter subscribers to 4,000. (All year)
  • Site redesign (Completed by June 2018)
  • Present at a national conference (Completed by July 2018).
  • Continue growing in my current role (All year).


  • Run a 5K (Completed by April 2018).
  • Lose 40 lbs (10 lbs each by March 31st, June 30th, September 30th and December 31st).
  • Attend therapy 1x a week (All year).
  • Workout regularly 3x per week (All year).
  • Only drink alcohol on the weekends (All year).
  • Successfully work towards completing thyroid cancer treatment (All year).


  • Pay $3,600 towards my student loans.
  • Pay $6,000 of medical debt.
  • Save $3,000 for a downpayment on a new car.
  • Save $3,000 towards dental work.
  • Move up retirement contributions by 2%.

Fun & Relationships

  • Attend all the weddings and graduations (Wedding 1- Feb, Graduation- May, Wedding 2- June)
  • Attend gay pride in Castro. (Completed by June 2018) (Stretch Goal)
  • Attend National Seminar in New Orleans. (Completed by July 2018)
  • Attend FinCon in September.
  • Italy in October w/ H.
  • Christmas Family Vacation (Completed by December 2018).
  • Read 36 books.

Business (And Professional) Summary

Like I said earlier, my main focus for next year will be really buckling down on my business and growing my income. That’s why so many goals are focused more on moving my brand forward and not gaining more clients. I currently have three clients I love so I am hoping to help them grow their brand in the upcoming year as well.

Professionally, I am growing in my career in the non-profit sector so I would like to just continue to build on my strengths and learn from my managers. I’d also like to go to our national training seminar next year and do a workshop presentation for professional development. There’s a difference between letting yourself be complacent than to grow in the space you are currently in.


For 2018, I am going to try to get back into working out regularly and cutting back on alcohol. Since my hormone levels (knock on wood) seem to be leveled out, I have energy again so I would like to be more active. I don’t eat crappy but I am very sedentary at work and I do love to socially drink with friends. Mainly, I need to lose weight to relieve pressure in my spine. My spine is 200% better than it used to be but to prevent future wear and tear, I need to be more serious about doing my part to prolong my osteoarthritis from getting to the next stage.


Cleaning up my medical debt is the main priority for the year so I can fully move on from this time in my life. Along with cleaning up my medical debt, I am also going to be putting money aside for dental work and (gulp), a new car. My 2007 Hyundai Accent has been a true champ for the past several years and I do NOT want a new car but I’ve spent over $3,000 in repairs since last December and at this point, if it keeps up, the money might be better suited towards a down payment on something new. I hate saying that because I love not having a car payment and I love my car but I am trying to be realistic.

Fun & Relationships

I love celebrating my family and friends so I enjoy putting my entertainment budget and bonuses towards fun trips. By cash flowing my trips, I can save efficiently for them while still focusing on paying down debt. While I have an amount of money in mind that is estimated for each trip, I do not want to assign an exact dollar amount on for two reasons. One, I am not fully committed to half of these trips. My financial health comes first and if I can cash flow it, great. Two, if I say I have a certain amount of money to spend, I’ll spend it. I’d rather put money aside a few weeks closer to the trip date once plans have been solidified than just save to spend.

With all of the plans I have wonderfully drawn out, life is still full of unknowns. The saying “We make plans and God laughs,” is a very popular one forthat reason. A car could be needed sooner than later and cancel a lot of trips I have planned. My partner could get sick and I would (happily) drop everything to go take care of him the way he did for me. Or, I could get sick again. But, I don’t want to not accomplish anything and I don’t want to just float around waiting for life to happen to me. I want to happen to it.


Nov Goals Recap/ Dec Goals

It’s already the last month of the year, how did this happen? I swear, it’s like yesterday I was in Tucson with H for New Year’s Eve and now we are planning what to do with this one. Hint: We’ll be on the east coast, probably somewhere in NJ. The rest has yet to be decided.

This month was full of ups and downs, as most of life is, and my goals reflect that. As a lot of you know, I suffer from mental health issues that stem from trauma when I was in high school. I finally got a proper diagnosis this summer and my team of doctors has been working to ensure that I am on the right meds. With my autoimmune conditions such as Celiacs and thyroid cancer plus others, it’s been trial and error.

I had an episode this month which I’d been dealing for two weeks and when it was clear at work it wasn’t going away, I called my doctor and went in. I have another appointment in three weeks so I hope I’ll have some good news to share and overall, feel better. The holidays are a very hard time for me both emotionally and mentally so while I may, in general, feel better, I may still be sad and moody.

My life wasn’t all gloom though. I started working with a fabulous new client who I really enjoy and I’ve already learned so much from her. I spent a lot of time with friends which included three birthday parties, learning more about myself and a quick weekend trip to go see one of my best friends & check out a haunted museum we’ve been dying to go to. I’m an extrovert so my cup runneth over.

Spooky fun w/ friends!

Onto the goals!

  • Participate in my accountability health group. FAIL. While I did participate, I didn’t really do anything besides eat small regular meals and go to yoga. I am looking at a three lb loss which is nothing to snuff at but my weight has been fluctuating over the same ten lbs for the past six months.
  • Figure out my Money Smart Latina schedule, both for clients and myself. PASSI have a fairly regular schedule now but I’m still not putting my all into MSL.
  • Pay $500 towards debt. FAIL I was so disorganized financially that I need to really sit down and see what is going on. For both client work and my day job, I have reimbursements and invoices due. This will definitely be a goal of mine for next month.
  • Read 3 books. PASSI read American Babe, Role Models and a book about Winnie Ruth Judd. I already have two books picked out for December but we’ll see what the third one ends up being.
  • Do the work. FAIL Yeah, I didn’t do any work.
  • BONUS: Do a deep clean and decorate for Christmas. PASS I hosted my friends for a dinner & movie night so my apartment got all of the love it needed and deserved. However, I decided I wasn’t really feeling the need to decorate for Christmas. I am gone for so much of this month that I am okay not setting up.

What does December look like? Glad you asked!

  • Post 2x per week to Money Smart Latina & provide great content for you. I have a lot of articles I’m preparing and getting my first free download ready for next month! I’ll be announcing sign-ups for my newsletter soon, as it will have resources and tips to help anyone live a money-smart life.
  • Organize my finances. I am allllll over the place and I wanted to say something because this blogger is all about transparency. As much as I’ve blogged and written about personal finance all over the internet, I fall off the wagon just like anybody else. This goal includes submitting reimbursements, invoices, cashing checks I have sitting around (I KNOW), fixing my budget & submitting all of my health receipts to my FSA provider.
  • Read 3 books. Self-explanatory. Should be doable as I have a 4-hour plane ride in my future. I’ll be bringing noise canceling headphones because the last two times I’ve tried to read on planes, people were insanely loud.
  • Get ahead in client work. I’m trying my hardest to take some time off the last week of December to really soak up time with my BF. I know there will be some time to work because he always has stuff to do but I want to enjoy our time together since we don’t have very much of it being long distance.
  • Stick to my accountability health group! BF and I have officially decided to go to Hawaii in February and while I think I look cute, I would still like to lose some weight for both this trip and my back. I NEED to lose weight for my back, so I’ll be trying to really make an effort.

Pshew, so much to do, so little time. What do you guys have planned for this month?


October Goals Recap/ November Goals

October was very busy for me. Between San Diego, Mexico, and Dallas, I had very little time at home it felt like because it was true. The next two months don’t show too much slowing down since I already have three trips planned and may have a fourth in the works but starting in January, I am making a conscious effort to slow down.

Inspired by Michelle from Michelle Is Money Hungry, I want to take time to really focus on growing my business, plus give myself a break. This doesn’t mean I am not traveling at all, in fact, I already have six trips planned. But I am making a conscious effort to not plan anything else. I say make a conscious effort because things do come up and I am in a long distance relationship with a great guy. But I will be making an effort to stay home.

So, how did I do?

October Goals 

  • $1,000 in extra income. PASS!
  • $885 towards debt. FAIL.
  • Spending cleanse. PASS!
  • Read 3 books. PASS!
  • Have fun in Mexico & Dallas. PASS!
  • Work my blog strategy. FAIL.
  • Lose 5 lbs. FAIL. 

So, 4/7 isn’t too shabby. My extra income moving forward for the next few months may take a hit as I shift around my freelance work but hopefully, this won’t be too long and affect my progress towards paying off my debt. And speaking of debt, I honestly didn’t pay as much as I had hoped, just because I was really unorganized this month. My blog and weight goals also took a hit because of being unorganized but I think things will be better moving forward.

November Goals 

  • Participate in my accountability health group. I joined an accountability group with a few other bloggers who have similar weight and fitness goals recently. We just launched yesterday and set our goals for the month so I think weekly check-ins will be helping me.
  • Figure out my Money Smart Latina schedule, both for clients and myself. Last month, I dealt with major burnout, both in business and life. I felt sick and slept a million hours so I took time to really reflect on everything I have to do and things I don’t need to do. This month, I would really like to focus my efforts on my schedule and making sure it’s working for me, not against me.
  • Pay $500 towards debt. Self-explanatory.
  • Read 3 books. I am slowly coming to terms that I no longer can read a book a week. Although I don’t really watch TV, I still need time to focus on my business, friends and keeping up my home. Plus, I’ve been reading a lot of Stephen King lately and his books are often anywhere between 4-800 pages. 36 books a year isn’t too shabby.
  • Do the work. This is in regards to my business more than anything. I have great ideas and I want to prioritize them.
  • BONUS: Do a deep clean and decorate for Christmas. 

Do you have anything fun planned for November?



September Goals Recap/ October Goals

It’s that time of the month again! Time to check in on my September Goals and see what I have planned for the next month!

September Goals Recap 

  • Continue working on my health. Fail. I went to yoga twice and then did my doctor appointments but I really didn’t prioritize this. 
  • Deep clean my apartment. Pass! My house was so pretty and clean. Need to work on a plan to keep it clean though. 
  • Enjoy time with my family and boyfriend. Pass! I had a really bad arthritis flare up this month and I am still recovering. Because of this flare-up, I ended up not being able to go home and was struggling during the visit to San Diego. My boyfriend and I both slept a lot and just took it easy the whole time but still got to see his mom. 
  • Read two books. Fail. I suck at reading yet keep buying an insane amount of books. Hmm. 
  • Track all spending. Pass! I spent way too much money but at least I accounted for it. 

October Goals 

  • $1,000 in extra income. Should totally be doable, next month may be another story. :/
  • $885 towards debt. May take some strategy but I’m hoping to get it done. This summer I decided that I now HATE DEBT. Only took a few years, hahaha. Oh, and a cancer treatment. 🙁
  • Spending cleanse. I realized how out of control my spending has gotten again and I am attempting to do a spending cleanse this month. The exceptions will be my two trips I have planned (food & alcohol only, one souvenir per trip). For the rest of the month, I will be hanging out at home since I have enough to keep busy.
  • Read 3 books. I plan on being gone two weekends this month but one weekend involves five hours of flying and a few hours of airport time. I should be able to accomplish this. I also need to read some of the books I have bought.
  • Have fun in Mexico & Dallas. I’ve never been to either before so I am excited to explore some new sights and try new foods.
  • Work my blog strategy. I brainstormed with my boyfriend who not only runs a successful blog now but has sold one in the past for my business strategy this week. I’ve had a lot of things pop up in my business the past two months and while freelancing will still be a part of it, I am looking to branch out and diversify what I am doing. I also spent time talking to a friend I admire and she gave me some great suggestions as well. I have planned out my new strategy so be on the lookout for new things soon! If there is anything you would especially like to read or learn about, please let me know.
  • Lose 5 lbs. I need to get back to working out and losing weight, my back is killing me and I need this extra weight to come off now that my thyroid hormones are seemingly right.

Anything fun planned for you?



May Recap/ June Goals

May was not the greatest for me. I had a funeral to attend to that messed me up, I’ve been splitting ( I have BPD) and I found myself struggling with my back again. I was in and out of urgent care, laid on my back and just in pain.

But I also got to spend time with friends, try new things and I am growing my business. So it’s not all bad but it’s not all good.

  1. Find my flow. I have an increased work load for my side business this month and it’s very possible I’ll continue with it going forward. I figured out that I would like to spend at least 15 hours a week on my business ( including this site and clients) so I need to figure out a way to get my additional work done.
  2. Take care of myself. This includes therapy every week, praying, working out twice a week, eating healthy, taking my supplements, sleeping ( it’s hard with back pain) and going to all of my doctor appointments.
  3. Have fun in San Francisco. I’ll be going to visit a friend and her family at the end of the month and I am so freaking excited! My bucket list includes, Castro, Alcatraz, meeting up with friends and eating good food. Any other suggestions?
  4. Read three books. I am still working on IT. And I would like to finish The Cook Up and True Crime Addict since they have been on my nightstand for a month.

Anyone have anything exciting going on?



August Goals


It’s August, the most special time of the year! When I was younger, I was always Jonesing to go back to school shopping and to celebrate my birthday. My mom made a really big deal out of both since I was an only child so August was usually full of magic. Now that I’m older, I have friends who partake in birthday month shenanigans with me and this is the first year in awhile I don’t have to buy school supplies. Huzzah!

Along with H coming out for a visit, I have tons of birthday month plans. A girls night, Suicide Squad viewing with friends and a Guns & Roses concert, my birthday month is gonna be off the hook! I still have goals though gotta stay motivated and take care of business during the work week. 😉

  • Lay out a business plan for Money Smart Latina for the rest of the year. After finishing my bachelors degree, getting a promotion at work and taking some time off, I’ve decided it’s time to focus on Money Smart Latina. I have tons of great ideas that I would like to see come into fruition and I am the only one holding myself back. My goal is to really get a handle on everything by the time I attend FinCon. Anyone else attending?
  • Take care of myself. I really under estimate how much rest I need and crash out on the weekends. Along with chronic asthma and BPD which is quite exhausting, I also suffer from a chronic pain condition in my back. Along with getting rest, I need to see my primary doctor to get refills, eat plenty of fresh veggies and fruits, take my supplements and take time to actually decompress.
  • Finish funding my emergency fund. I’m half way to my emergency fund getting topped off before I work on some other financial goals and I really hope I can do it this month. I was a little spendy this past weekend but I need to reign it in.

That’s it. I’m being super social this month so I don’t want to put too much on my plate. Bonus goal would be to declutter half my apartment since I feel like I have too much stuff again. I haven’t done a deep cleaning since last summer so that would be nice but I will be spending a lot of time with one of my clients so we will see what I have time for.

What do you have planner for this month?



July Goals Recap

Pshew! Although July started off rocky, and has had it’s ups and downs, I’m pretty happy with my progress and how the month turned out. I was able to save a decent amount of money besides having some expenses and spent 75% of the month traveling when I had originally expected 50%. Not only did I get to enjoy Disney World paid for a work conference, I also got to enjoy two new to me Arizona cities, Jerome and Tucson. I’ll be spending a lot more time in Tucson as part of my role as a manager. Besides transitioning into my new work role, I also won two national awards this year for my work in my community and data. So humbled. On to the goals!

  • Enjoy time with H. (With our crazy schedules, we gotta sneak time in when we can.) PASS H and I have insane schedules so while half of the time was spent doing previous commitments, we still squeezed in a road trip complete with truck stop meals. Along with new adventures, we had a few dates included fancy dinners, massages and an outdoor movie at Grounds For Sculpture, one of my favorite places on the east coast.
  • Enjoy and meet five new people at my work conference. ( New management position + newly created program means new opportunities for me, my team and my organization.) PASS 
  • Help the transition with my old position to the new person. ( Want to set them up for success!) PASS I will say pass even though this didn’t happen, due to no fault of my own. I am currently filling in until we hire the right person which may take all month.
  • Get one more freelance client. ( With my new position, I am nolonger able to do one of my side hustles so I am working on additional income streams and growing my business.) FAIL. I exchanged emails with a person who was interested in services but nothing came of it. I didn’t seek any other opportunities but have had a possible change of heart with my time and where it’s allotted.
  • Clean out and reorganize my kitchen. ( Want to do a full declutter on my tiny apartment and I am starting here.) FAIL. I was gone the whole month so I didn’t get a chance to do this. Oops.

That’s it for July. I’ll be sharing on Wednesday my new goals for August. I’ll actually be turning 31 this year- eep!

How was your month?



Quarterly Goals

I decided to break up my yearly goals into quarterly goals to help them be a bit more manageable. I can’t accomplish things in a month sometimes and a year has been a bit too broad. I don’t want it to be November and the year has flashed by, as it so often does.

-Pay off dental scaling $500
-Fix car $250
-Fix car belts $650
-Put $250 in my emergency fund
-Save $300 for gay pride
-Stretch goal- Save $500 for a cap

-Start writing regular content again
-Hit 1,000 page views in June
-Create a newsletter
-Build resource page
-Find two freelance jobs

-Start counting calories again
-Lose 10lbs
Workout 3x times a week

-Read 8 books
-Finish crochet project
-Have fun in LA, at my Graduation Party & Utah ( Given)
– Deep clean my apartment ( not fun but I don’t have anywhere else to really put it)

What are you working on this quarter?