New year, new flow! It’s 2021 and that means we get to close the books on the Worst Year Ever and move on to a fresh balance sheet—and goals—for the next 12 months.
With ambitious Mars moving into prudent and productive Taurus from January 6 to March 3, 2021, we’ll all feel our inner money managers (and project managers) awaken in Q1.
But the key to winning the money game, no matter how much you do (or don’t) make, isn’t just making more money—it’s having a focal point. We believe in the power of “micro-resolutions.”
What are those? Well, rather than tackle some intimidating goal that you’ll ultimately get discouraged by and quit, you choose ONE small change at a time. As you amass little daily wins and see real results, it incrementally builds motivation, momentum and mojo.
To support your financial empowerment, we’ve partnered with our friends at You Need a Budget (YNAB)—an amazing money management app designed to help real people stop living check to check, get out of debt and save more of what they earn.
We used to hear the word “budget” with a subtext of “limits, denial, no fun.” Naturally, we wanted nothing to do with such things!
But YNAB is a judgment-free zone. You get to choose what every dollar does and where it goes. Whether you stick your head in the sand or take a courageous look at your spending and earning, the money still goes somewhere.
So why not take back your power—in a way that works for YOUR astrological nature—and try these simple strategies to feel like a financial #boss!
YNAB Rule #1 – Give Every Dollar a Job.
FIRE SIGNS (Aries, Leo, Sagittarius)
In other words, you decide what you want your money to do before you spend it. We’ve assigned this rule to FIRE SIGNS (Aries, Leo and Sagittarius), whose emotional and passionate natures make them prone to instant gratification splurges.
With the YNAB system, fire signs can have their cakes, cashmere sweaters, cocktails and cruises…without “eating it” too when the credit card bill arrives. As YNAB explains, it’s all about putting those fun and festive things INTO your budget!
YNAB Rule #2 – Embrace Your True Expenses.
AIR SIGNS (Gemini, Libra, Aquarius)
Knowledge is power, and no group of zodiac signs loves to learn quite like the cerebral AIR SIGNS (Gemini, Libra and Aquarius). Before you’ll adopt any new system, you want to know WHY, and if it makes logical sense, YOU’RE IN.
This “just the facts” factor of YNAB’s four rules gives you the information you need to plan a budget that accommodates the many different facets of your personality, your wide range of interests and hobbies. No more juggling or keeping it all in your head! Plus, you can revel in seeing what an interesting and well-rounded person you are, simply by watching where you allocate your money.
YNAB Rule #3 – Roll with the Punches.
EARTH SIGNS (Taurus, Virgo, Capricorn)
This rule is recommended for EARTH SIGNS (Capricorn, Taurus, Virgo). You’re a creature of habit and your tenacity is one of your greatest strengths. But sticking to the same system in a “lather, rinse, repeat” way can be your downfall.
As we all learned in 2020, the willingness to pivot is now a crucial survival skill. With YNAB, you can create a budget that gives you enough certainty to predict and plan (which you love) while remaining nimble when the inevitable curveballs come.
YNAB Rule #4 – Age Your Money.
WATER SIGNS (Cancer, Scorpio, Pisces)
Living paycheck to paycheck is stressful, but certain signs have a higher tolerance for it than others. For security-seeking WATER SIGNS (Cancer, Scorpio, Pisces), not having a buffer can send you spiraling into anxiety, insecurity and chaos. You love a surprise party or gift…but a surprise bill that you haven’t prepared for? No thank you!
The idea behind this rule is that you only spend money that’s been in your bank account for 30 days or more. The goal is to create a “cash cushion” so you get ahead of your expenses. Knowing that you’re prepared to provide for yourself and your loved ones in any emergency comforts you and allows you to focus on the stuff that matters!