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#024 – On this episode, Mayra talks about New Year Resolutions and how to set goals for the upcoming year.  

Feel free to reach out to Mayra at DebtFreeLatina.com for your financial coaching needs.
Or Instagram at instagram.com/debtfree.latina

Quoted Articles
 Zig Ziglar:

Transcription

As we approach the new year, everyone around is thinking about what the resolutions are going to be for 2022. And a lot of you are probably thinking, this is the year I’m going to get my money in order. Now on this episode, I’m going to tell you three things you need to think about before you plan your resolution.

Welcome to debt-free Latina, the podcast, where you can finally realize your dream of being debt-free and feeling peace about your financial future.

And now your host Mayra Alejandra Garcia. Hola Hola! Thank you so much for being here. One of the things that I hear a lot when the new year starts is …I am going to get my money in order this year Mayra. I’m going to take one of your classes or I want you to teach me how to budget. I’m going to do a one-on-one course with you, whatever it is.

Like, it’s really interesting how the beginning of the year just means new beginnings and everybody wants to get back on track, which is awesome. It’s great. I really want you to first prepare mentally and have things, things in order so that you can succeed. There’s an article by Forbes that says the top three reasons new year resolutions fail and how yours can succeed by Kathy Capri.

When I came across this article, as I was doing some research for this episode, I thought we have to be as prepared as we can be before we take the plunge because it’s a commitment because it’s hard. It’s not an easy task and we want to set ourselves to succeed. So number one was it’s your consciousness consciousness that needs to change before your behavior can change.

Einstein once said we cannot solve a problem on the level of consciousness. Consciousness that’s created it. This is true. As the example, let’s say you’re in a job that you hate and you’re being mistreated by your boss on a regular basis. And this isn’t the first time you’ve been in the horrible job you say at the end of the year, this is it.

I’ve had it next year. I will find a new role with a great boss doing work. I love. Well, that’s a fabulous goal. It’s most likely won’t happen unless you change the aspects of yourself first, so that you will be able to attract and sustain positive treatment in your life and your work. So setting boundaries and being able to speak up and stand up for yourself is going to do so much more to you and hope you in the future then actually just saying that’s it I’ve had it.

Well, actually a lot of people change their life when they say it I’ve had it. Um, but you also have to analyze the situation of. Has gotten you to, I’ve had it. If it’s regarding your money, what is it that needs to change? What behavior needs to change? So once you know what that is, you’re most likely to succeed at this, getting out of debt and getting organized and building wealth.

So what is it that you would want. To change in your behavior. All right. So we’re going to move on to number two. You don’t have an accountability structure to help you sustain change. Now, a lot of us that are married do have a built-in accountability partner, you know, um, that’s our spouse. So if you are married, you should be doing a budget together and you should be.

Putting your money together and having goals together and talking about your money. If you’re struggling in that area, you have some work to do before you can commit to this. It’s not impossible, but it’s hard. And I really sympathize with those that can not talk about money with their spouse, because it’s a difficult subject.

It was not easy for me to get here. And I know just firsthand how difficult it is sometimes to talk to your spouse about money. When I first started this journey, it was rough. My husband didn’t want to know anything about it. He, you know, we had it all under control in his head. It’s fine. It’s going to be fine, but it’s interesting how fast the needle moved in the direction of building wealth and getting out of debt.

When he did join me in this journey. So if you’re single, I would say an accountability partner can be anybody you trust and that you’d see that they manage their money. Well, you have to trust them. It’s, it’s hard to show your numbers to just anyone. So make sure that you trust them, that you know, that they will give you wise counsel as to how you can manage your money.

Number three. You’re actually scared of and completely resistant to achieving this big goal. And you won’t let yourself, so you may be conscience, want to consciously want to achieve this particular goal, right? Let’s say getting out of debt, but you’re internally scared to death to bring this goal to fruition.

You just don’t want to let yourself do it. If this is you, I recommend that you really dig deep into why is it that you’re scared? Is it shame?

Is it that you’re scared to what fail?

As we approach the new year, everyone around is thinking about what the resolutions are going to be for 20 22. And a lot of you are probably thinking, this is the year I’m going to get my money in order. Now on this episode, I’m going to tell you three things you need to think about before you plan your resolute.

Welcome to debt-free Latina, the podcast, where you can finally realize your dream of being debt-free and feeling peace about your financial future.

And now your host Myra at a hundred Garcia. Thank you so much for being here. One of the things that I hear a lot when the new year starts. Is I’m going to get my money in order this year might not. I’m going to take one of your classes or I want you to teach me how to budget. I’m going to do a one-on-one course with you, whatever it is.

Like, it’s really interesting how the beginning of the year just means new beginnings and everybody wants to get back on track, which is awesome. It’s great. I really want you to first prepare mentally and have things, things in order so that you can succeed. There’s a article by Forbes that says the top three reasons new year resolutions fail and how yours can succeed by Kathy Capri.

When I came across this article, as I was doing some research for this episode, I thought we have to be as prepared as we can be before we take the plunge because it’s commitment because it’s hard. It’s not an easy task and we want to set ourselves to succeed. So number one was it’s your consciousness consciousness that needs to change before your behavior can change.

Einstein once said we cannot solve a problem on the level of consciousness. Consciousness that’s created it. This is true. As the example, let’s say you’re in a job that you hate and you’re being mistreated by your boss on a regular basis. And this isn’t the first time you’ve been in the horrible job you say at the end of the year, this is it.

I’ve had it next year. I will find a new role with a great boss doing work. I love. Well, that’s a fabulous goal. It’s most likely won’t happen unless you change the aspects of yourself first, so that you will be able to attract and sustain positive treatment in your life and your work. So setting boundaries and being able to speak up and stand up for yourself is going to do so much more to you and hope you in the future then actually just saying that’s it I’ve had it.

Well, actually a lot of people change their life when they say it I’ve had it. Um, but you also have to analyze the situation of. Has gotten you to, I’ve had it. If it’s regarding your money, what is it that needs to change? What behavior needs to change? So once you know what that is, you’re most likely to succeed at this, getting out of debt and getting organized and building wealth.

So what is it that you would want. To change in your behavior. All right. So we’re going to move on to number two. You don’t have an accountability structure to help you sustain change. Now, a lot of us that are married do have a built-in accountability partner, you know, um, that’s our spouse. So if you are married, you should be doing a budget together and you should be.

Putting your money together and having goals together and talking about your money. If you’re struggling in that area, you have some work to do before you can commit to this. It’s not impossible, but it’s hard. And I really sympathize with those that can not talk about money with their spouse, because it’s a difficult subject.

It was not easy for me to get here. And I know just firsthand how difficult it is sometimes to talk to your spouse about money. When I first started this journey, it was rough. My husband didn’t want to know anything about it. He, you know, we had it all under control in his head. It’s fine. It’s going to be fine, but it’s interesting how fast the needle moved in the direction of building wealth and getting out of debt.

When he did join me in this journey. So if you’re single, I would say an accountability partner can be anybody you trust and that you’d see that they manage their money. Well, you have to trust them. It’s, it’s hard to show your numbers to just anyone. So make sure that you trust them, that you know, that they will give you wise counsel as to how you can manage your money.

Number three. You’re actually scared of and completely resistant to achieving this big goal. And you won’t let yourself, so you may be conscience, want to consciously want to achieve this particular goal, right? Let’s say getting out of debt, but you’re internally scared to death to bring this goal to fruition.

You just don’t want to let yourself do it. If this is you, I recommend that you really dig deep into why is it that you’re scared? Is it shame?

Is it that you’re scared to what fail? I think you need to dig and maybe ask yourself why. And not just once, but ask yourself why again? Why am I resistant? Why do I think I won’t achieve this? Why am I so scared? Why am I scared to fail? Because what have you succeed? What have you can achieve debt freedom?

And as a Latina, I can tell you, yes, we can do.

So tell me, send me an instant message on our direct message on Instagram. Tell me why you’re scared. Why are you not committing? What is holding you back? Because I think that if we have a conversation about this, I can, I can try to dig and ask you the right questions based on how you’re feeling and what you’re going through.

Cause everybody has a unique situation, right? Everybody has a different income. Everybody has a different goal. Everybody it’s so different and unique. So that’s why I’m asking you, if you, if you want to send me a message and let my. At debt-free latina.com. That is me. I will enter that email. I don’t have an assistant, not yet, but I answer and I make an effort to answer every single email that comes to me.

Send me an email I’d love to hear, because I want to be able to make more content for you. I want to make sure that you walk through these things mentally first, before you commit to this new year’s resolution that you might have. You have to prepare mentally, emotionally, spiritually. I mean, all the things now, you know, this could be applied to any area of your life.

This could be applied to your spiritual life. This could be applied to your social life. You know, there’s something that I love to talk about, which is the seven areas of life by Zig Ziglar. Um, goals in your career, your financial, spiritual, physical, intellectual family, and social. Now there is one area that will, you’ll be naturally really strong in, and one or two that you might be, you might need assistance and mentorship.

And so on in order to grow in that area, they’ll, there’ll be hard for you, but they’re not impossible. And this is where. You really need to look at this and say, you know, set a small goal in each area so that you’re balanced because he says this wheel of life. If you have neglected one area in this reel, you’re going to first feel unsuccessful too.

It’s like a running on a flat tire. So you need to make sure that you, as you set your goals for 20, 22, that you look and you set a goal for each area, just so you know, I keep them super simple, but the ones I’m really strong in, I tend to be super deep. Um, when I look at this real, the hardest for me is physical.

It’s really hard for me to stay consistent in that area of my life. So just know that if you struggle with one, it’s going to be hard. And so I, you know, I really should partner with somebody in that area and, and maybe this podcast is making me realize that I need to partner with the money in the physical.

That is really strong and physical activity so that I can get healthy and stay consistent. And same goes for you. If you feel that you need support, if you need, you know, maybe a career coach, I, I know a few, I can definitely guide you to one. If you need financial coaching, I’m here for you. If you need to find a church, I would encourage you to that.

You find somebody that, you know, it’s. In your area that could guide you to a church that may, you know, be for you? Um, intellectual, I would say there is a lot of mindset coaches and there is a lot of people in the personal development area that can help you and guide you on what it is that you can do, uh, for your family.

I would say, you know, if you’re seeing. Go to your mom’s house, go to your cousin’s house, hang out with family. It’s really important that you do that. And if you’re far from family, then make a trip out somewhere. You know, it’s really important that you have that connection. Anyway, social that’s, you know, maybe it’s easy for me because I’m a total extrovert, but if you’re tend to be an introvert, it’s really important that you have a social life that maybe you go out to, you know, have dinner with a friend, you know, once a month.

And that’s so healthy and so necessary to be in community and to socialize. So. That’s how I go, go plan. That has been my go-to for at least 10 years now, since I’ve learned about six Ziglar’s wheel of life, um, if you want to learn more, I’m going to put a link in the notes for the articles that I quoted and, um, It’s going to be that Forbes one and the Zig Ziglar one.

So check that out and start thinking about how you are going to get prepared for this upcoming year. Thanks for listening to debt-free Latina. Make sure you hit that subscribe button so you can take my HRA with you. On your journey to become debt-free as you build financial wealth, looking for more follow Myra on Instagram at debt-free dot Latina, Facebook at debt-free Latina and online at debt-free latina.com.

I think you need to dig and maybe ask yourself why. And not just once, but ask yourself why again? Why am I resistant? Why do I think I won’t achieve this? Why am I so scared? Why am I scared to fail? Because what have you succeed? What have you can achieve debt freedom?

And as a Latina, I can tell you, yes, we can do.

So tell me, send me an instant message on our direct message on Instagram. Tell me why you’re scared. Why are you not committing? What is holding you back? Because I think that if we have a conversation about this, I can, I can try to dig and ask you the right questions based on how you’re feeling and what you’re going through.

Cause everybody has a unique situation, right? Everybody has a different income. Everybody has a different goal. Everybody it’s so different and unique. So that’s why I’m asking you, if you, if you want to send me a message and let my. At debt-free latina.com. That is me. I will enter that email. I don’t have an assistant, not yet, but I answer and I make an effort to answer every single email that comes to me.

Send me an email I’d love to hear, because I want to be able to make more content for you. I want to make sure that you walk through these things mentally first, before you commit to this new year’s resolution that you might have. You have to prepare mentally, emotionally, spiritually. I mean, all the things now, you know, this could be applied to any area of your life.

This could be applied to your spiritual life. This could be applied to your social life. You know, there’s something that I love to talk about, which is the seven areas of life by Zig Ziglar. Um, goals in your career, your financial, spiritual, physical, intellectual family, and social. Now there is one area that will, you’ll be naturally really strong in, and one or two that you might be, you might need assistance and mentorship.

And so on in order to grow in that area, they’ll, there’ll be hard for you, but they’re not impossible. And this is where. You really need to look at this and say, you know, set a small goal in each area so that you’re balanced because he says this wheel of life. If you have neglected one area in this reel, you’re going to first feel unsuccessful too.

It’s like a running on a flat tire. So you need to make sure that you, as you set your goals for 20, 22, that you look and you set a goal for each area, just so you know, I keep them super simple, but the ones I’m really strong in, I tend to be super deep. Um, when I look at this real, the hardest for me is physical.

It’s really hard for me to stay consistent in that area of my life. So just know that if you struggle with one, it’s going to be hard. And so I, you know, I really should partner with somebody in that area and, and maybe this podcast is making me realize that I need to partner with the money in the physical.

That is really strong and physical activity so that I can get healthy and stay consistent. And same goes for you. If you feel that you need support, if you need, you know, maybe a career coach, I, I know a few, I can definitely guide you to one. If you need financial coaching, I’m here for you. If you need to find a church, I would encourage you to that.

You find somebody that, you know, it’s. In your area that could guide you to a church that may, you know, be for you? Um, intellectual, I would say there is a lot of mindset coaches and there is a lot of people in the personal development area that can help you and guide you on what it is that you can do, uh, for your family.

I would say, you know, if you’re seeing. Go to your mom’s house, go to your cousin’s house, hang out with family. It’s really important that you do that. And if you’re far from family, then make a trip out somewhere. You know, it’s really important that you have that connection. Anyway, social that’s, you know, maybe it’s easy for me because I’m a total extrovert, but if you’re tend to be an introvert, it’s really important that you have a social life that maybe you go out to, you know, have dinner with a friend, you know, once a month.

And that’s so healthy and so necessary to be in community and to socialize. So. That’s how I go, go plan. That has been my go-to for at least 10 years now, since I’ve learned about six Ziglar’s wheel of life, um, if you want to learn more, I’m going to put a link in the notes for the articles that I quoted and, um, It’s going to be that Forbes one and the Zig Ziglar one.

So check that out and start thinking about how you are going to get prepared for this upcoming year. Thanks for listening to debt-free Latina. Make sure you hit that subscribe button so you can take my HRA with you. On your journey to become debt-free as you build financial wealth, looking for more follow Myra on Instagram at debt-free dot Latina, Facebook at debt-free Latina and online at debt-free latina.com.