Goal planning can be tricky. I think most of us set goals based on past experience. But the most inspirational goals come from envisioning a better future that looks and feels different than our past. Stephen Covey explained this concept in his book “The 7 Habits of Highly Effective People” with Habit 2: Begin With

By Daniel Rodriguez | Dr. Budgets Happy New Year! During this time of the year I enjoy writing about goals and budgeting (Do You Have a “Crash Budget”? Or a Healthy Spending Plan?, Why I Don’t Do Budgets) because this is the time of the year when many of us decide to start something new

By Daniel Rodriguez | Dr. Budgets When it comes to budgeting, I don’t do budgets in the traditional sense. What I mean by that is that I don’t do budgets that feel like “I’m on a budget.” Budgets seem to have a bad reputation, and the way many people budget, rightfully so. January is the

By Daniel Rodriguez | Dr. Budgets Rewarding myself when I reach my goals hasn’t been my strength in the past. As soon as I achieved my goal I would set a new goal, without acknowledging my efforts for reaching my original goal. Unfortunately, this created a cycle of “striving, but not arriving,” which made it

By Daniel Rodriguez | Dr. Budgets Happy New Year! Another year has come and gone, and last year’s goals are now in the history books. So how did you do? If you want some guidance in achieving your financial goals this year, then read on! Below I have compiled 7 steps to achieving your financial

By Daniel Rodriguez | Dr. Budgets Last post I wrote about How to Set Strong Financial Goals, and today I will explain the reason why this is important. After all, the WHY behind financial goals is a big part of the HOW. If you haven’t yet set strong financial goals, I hope this gets you

By Daniel Rodriguez | Dr. Budgets Happy New Year! For many, the new year represents a fresh start and a time to create goals or resolutions for the year. If you have financial goals for the year in mind, then I hope this post gives you tips on strengthening your financial goals so that you

“Budgets are awesome!” says pretty much no one…ever!  Except maybe a particular doctor with “Budgets” in their name.  For many people, the word “budget” is often associated with negative images, so let’s use a different term: “spending plan.”  A spending plan details how your money will be spent over a particular period of time.  A