Clever Wealth: SMALL THINGS make a big difference | Foresters Community Finance

Clever Wealth: SMALL THINGS make a big difference

Changing SMALL THINGS do add-up to a big impact. Statistically most of us want to improve our financial situation. It is proven that making a few small changes can add-up to a big impact. What about you? Have a serious and realistic look at where you were 5 years ago and where you are today.

  • How much did you owe then, and how much do you owe now?
  • How much did you own then, and how much do you own now?

If there isn’t a great improvement, think about your lifestyle and what you spend your income on, or what about the turnover of things in your home. Like televisions, mobile phones, fridges, washers and dryers?

How have you spent your money and time over the year? Have you had any of these fantastic experiences

  • Took 12 months to do charity work?
  • Went on a great holiday?
  • Stopped work and introduced an amazing person into the world?
  • Did some major improvement to my life – new course, new career etc.

If there have been no major change, and no major events.. it really is time to look at what you need to do differently or in another 5 years you will be in the same situation or worse.

Small things do make a big difference

Obviously the same answer is to do something different to get something different! Doing the same thing and expecting a different result is a definition of insanity.

In a couple of the earlier blogs we covered some small things that can form a big part of doing something different!

  1. De-mystify the hidden small things spend and build your living budget – because you need to work that out, and quick!
  2. Understand and research loan comparison rates to reduce your money leakage – so you need to change this to get momentum.
  3. You’re busy, busy, busy – which is getting you nowhere, nowhere, nowhere.

The most important thing for now – if you are getting nowhere fast – is to be aware and accept that is how it has been till now, however, you have a plan to make the necessary changes to make it happen.

Don’t get overwhelmed. Especially in the decluttering section – step three above. FORESTERS LIVING BUDGET is the easiest way to make a living budget plan and use that plan to set small, realistic and achievable goals.

The problem is we all want stuff and we want it now!

Making unachievable lists/goals of yourself can undermine your success because you constantly feel like you are behind, and then self-esteem then takes a battering.  Let’s stop this now!

The flow of small thingsWinning the small things war

The perfect way to slowly and easily changing your money habits without going into overwhelm and most importantly without giving up. It is to purely set such a small goal, that it would be ridiculous for you not to achieve it each day!

Example – I’m not a fan of structured exercise. I know its good for me, but time!! You know how it is. I get up very early and do not have an hour to go to the gym each morning, or half an hour to go for a walk – so how about I leave it till the weekend.  Walking around the shops counts, right?

The mini goal I have set myself is to do one minute of exercise bike riding every morning. Seriously, one minute. And as long as I do that one minute I have achieved my goal for the day.

Guess what happens? I get on the bike for one minute, and often, in fact most times, I figure I might as well do 2 minutes, then I think – I have time I will do 4 minutes etc etc.

Now this does not happen every time. Sometimes I do the minute and get off, happy that I have ticked off the goal. Talk about win-win.. I can always find one minute. If I had made 15 minutes my goal, I would not have lasted a week.

The same mini-goals can be started for your finances as well. Here are a few:


I am going to:

  • change my shopping day to Sunday and only shop on that day
  • check the fridge before I go shopping and only buy what I really need
  • do a meal plan for the week and do a shopping list for that and only buy what is on the list
  • make 3 meals instead of one on Sunday night because I know I am always home late on Tuesday and Wednesday because of kid’s sport/social meetings/etc.
  • store my vegetables properly to save wastage
  • plant some seasonal vegetables to create tasty meals

This list and its theme is endless, from paper towels to detergent.

Correct food purchasing and storage saves most people between $50 and $100 per week.

Are you ready to take action?

The flow of small things