You know that feeling – you get home after a dog of a day at work, you’ve still got a million things to do that night and then the mailbox opens. It’s window-faced envelope after window-faced envelope.

How does it make you feel? Filled with dread?

What if I told you it could make you feel good? That a bill coming in could actually trigger an emotional sugar-rush. It’s possible, and you’re in total control over how we’re going to get that feeling switched around.

When you’re in control of your finances and those emergency moments are taken care of, paying bills can actually be mini milestones that you reach instead of something to run from.

Bills are inevitable right? You can’t avoid them. And that’s totally okay! When you’re budgeting and know they’re coming suddenly they’re reminders that you’re on top of your financing, you’re spending where you need to and you’re in the driver’s seat.

Firstly, knowing and accepting thinking about money & budgeting can trigger emotional responses is a great way to take control over which responses you have.

You might start to recognise patterns of guilt or denial and how you’ve been beating yourself up over the choices you’ve made up until this point. That ends now. You’re reading this blog, so chances are you’re on board with making great choices about your finances. Let go of the negative feelings you’ve had before and embrace the fact you’re here and ready to get going.

Secondly, have a long hard think about your goals.

Bigger-picture goals are important, but they also take longer to achieve, so it’s important to set yourself a few smaller goals first to build that financial confidence and that you CAN do this.

These can be things like ‘save $100 in my first month’. Soon, that number will grow, and so will your financial self-esteem!

Soon enough, you’ll be tackling goals like ‘save enough for a holiday’, ‘become totally debt-free’ and ‘build an investment portfolio’.

Lastly, and this can sometimes be the scary bit, face your finances head on without the guilt-trip.

We’re not here to play the blame-game anymore. You’re making a plan and you should be congratulated for doing that. Each bit of knowledge you gain over your finances is going to empower you to make better decisions.

Now’s the time to really take stock, get the calculator out and start enjoying the process. I want you to treat each dollar like you really earned it.

Because let’s be real here – you did! You get up and go and do the best you can for you and your family and now you’re taking ownership of what you get out of it.

It’s time to take your first step, and the sky is the limit!