Master Your Money With Reverse Budgeting HOW TO PRIORITIZE LONG-TERM FINANCIAL GOALS Skip the Splurge, Secure the Future
Living within your means can be a delightful challenge where you learn how to make the most of what you have (not on your credit card). The secret power move? Shifting your mindset from immediate gratification to long- term fulfillment. Here’s how you can enjoy dancing to the beat of your own financial drum without being swayed by the flash and dazzle of everyone else’s spending habits. Embrace your unique financial journey. It’s time to embrace your financial path. No two financial journeys are alike, so why waste time comparing your fiscal plot twists with someone else’s blockbuster budget? Instead, focus on your own financial
lifestyle, then put 20% toward your savings or paying off debt. This isn’t about cutting out fun; it’s about increasing your future fun fund!
Set goals that make your ‘future you’ proud. When setting goals, think about what will make your future self thank you. Instead of splurging on the latest designer bag or a fast car, consider how
satisfying it will be to reach financial freedom. Whether it’s being mortgage-free by 50 or having a healthy investment portfolio, these goals can motivate you to stick to your budget with purpose. Savor the simple joys. While saving for the future, remember to enjoy today responsibly. Embrace the joy in low-cost pleasures like reading a great book, exploring nature, or spending time with loved ones. These activities enrich your life without deflating your wallet.
goals — like building a robust retirement nest egg or investing in assets that grow over time — so you can create a personalized plan that brings you long-term happiness and security. Budget with your ‘future you’ in mind. Instead of viewing budgeting as a bummer, think of it as planning a bright future for yourself. You’re the boss; every dollar you save is a building block for your future empire, so spend wisely! A good rule of thumb is to take your monthly income and only spend 50% on essentials and 30% on
Living within your means doesn’t mean denying yourself all of life’s pleasures — it means making wise choices now to enjoy even greater pleasures later. Let’s all start nurturing
our future financial well-being!
MEET JOANNE About six months ago, we warmly welcomed a new attorney to our practice! Joanne came to us with a wealth of experience and knowledge in the field. An attorney for over 30 years, Joanne spent more than half of her career representing injured workers and has been doing estate planning, trust, and probate administration for roughly 10 years now. SHOUP LEGAL’S NEW ATTORNEY WITH OVER 30 YEARS OF EXPERIENCE
the rights of injured people, and now, I am able to help people plan for the unexpected to protect their families,” Joanne tells us. “It’s lovely to be involved in the thoughtful planning process to create peace of mind. To give our clients security is a very gratifying process.” Hands down, Joanne’s favorite aspect of her career is the camaraderie, contact, and relationship building that happens with the clients. “I’m a hand-holder and a people person, and I love creating that position of trust with our clients.” Outside of work, Joanne feels blessed to have her family. “My children are having children!” she says with pride. Joanne feels fortunate that her mom is local and able to share in the joy of their multi-generational family. She loves to see the bonds that can be formed between the old and
Joanne grew up in North San Diego County. She left to attend college and law school and then raised her family and practiced law in Northern California for many years. About five years ago, she returned to this area and loves serving the community she grew up in! “I always knew I wanted to do something to help others, particularly helping people who don’t have a voice and need assistance. In workers’ compensation law, I was able to help advocate for
the young and being right in the middle. Also, she feels so blessed and proud to be surrounded by so much love. When she isn’t enjoying time with her family, she and her husband love to get outdoors, walk, hike with their dog, and travel. “I find my center and inspiration in nature,” she says. Joanne, we are so thrilled you have chosen to call Shoup Legal home. Welcome back to North San Diego County!
Plan today for peace
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