Setting Goals for a Successful Year

Speaker 1 0:00

It's that time of year to set our vision and goals for the new year . 2024 is here , which means new year , new me , new goals and a new podcast intro . Welcome to the Money Cheese man Podcast , a fun and safe space for personal finance , investing and entrepreneurship tips , where we get the choose man on all things money with sass and humor . I am your host , violeta , a first generation Mexican immigrant , a real estate investor , entrepreneur , and I am here to help you kick ass in the financial game . Each week , I not only bring you expert tips , but also share the financial freedom and entrepreneurship journeys from our own community , because you know , representation is important . So grab un cafecito or , si quieres , an adult beverage and let's get into this week's Money Cheese man . Hola and happy new year . I hope that everyone had a great new year . Mine was pretty relaxed and chill . I had la gripa and I'm still a little bit ronca , but hopefully it's not too distracting in this episode . So we are now in 2024 and I mean , if you're like one of those cardinal signs , like me , I'm a cancer . Apparently you have ended our 15 year karmic cycle . I don't know much about it , but I keep seeing it on TikTok . So if that's true , then , yay for us . So in this episode , I just want to , you know , take some time and come on here and share some tips to make 2024 a great year for you . And , you know , share my own goals and you know the goals that I have for Money Cheese man . But before I get into that , I want to take some time and thank you for your support in 2023 .

Speaker 1 2:04

This was Money Cheese Man's first year and when I started this podcast , la verdad , I was kind of intimidated and felt like , will anyone listen to this ? Like , who's going to hear my story ? Who's going to listen to what I have to say ? But like my friend , monica from you Want to Do what , which , by the way , her interview is in episode 25 . You know she talks about how our stories can help someone out there . You may not think so , but someone is always going to find your story , you know , helpful to them . And she was right . We ended 2023 with a thousand downloads and , like I hit that in December when I had taken a break , to just kind of like have a mindset reset so that way I could start 2024 better and with a relaxed mindset . So , yeah , thank you everyone for your support and a special shout out to the awesome peeps that came on here as a guest to share their expertise but , most importantly , their stories , because that's one of the reasons that I started the podcast was to not only teach personal finance and investing and share my like real estate investing journey . I wanted to also see ourselves represented in these success stories but also share the journey , because you know , we see the end result in the successes , but sometimes we don't see the journey itself . So I felt it is important to also share that part , which , by the way , if you do want to come on here and share your story or expertise , I am booking now for my quarter one , which is January through March episodes . So I'm scheduling those out . So , if you're interested , that information is in the show notes , all right .

Speaker 1 4:01

So this time of year a lot of us like to set our goals and dreams for the new year and you know I just want to share a few tips and kind of share what I am planning to implement this next year so that way I have a better 2024 . So tip number one is , when you are creating your plan and your vision for this year is , you know , have a roadmap , have that action plan because , like , without a plan , like you're setting yourself up for struggles , for even failure . So when you are creating your goals and your vision for this next year , like , actually sit down and you know , have your big goal , dream big , whatever it is , and then work your way backwards and break it down into smaller , achievable goals . So , for example , if you want to buy land and build your dream home , you know it's gonna , it's a big dream and you know it might feel unachievable or like a huge dream . But have that dream and then just start working your way backwards , like what do you need to be able to buy the land and build a home ? What goes into that ? Then work your way backwards , like all right , so what do I need for that then ? And continue working backwards . So then you need a loan , you need a buy land , and then like , how are you gonna afford it ? Then what are you gonna save up ? Whatever it may be . And then you just work your way back and actually create smaller goals and then plan it out . The key thing is , you know , not just to say like , oh , I'm going to , you know , do this big goal , but you actually , you know , stop and take time , like you know , plan a day , for example I am planning it for next week and where you sit down and think of your goals and then actually create a plan , you brainstorm on how you're going to accomplish these goals and , you know , create your roadmap , because without it you're gonna find yourself kind of winning it and then you might get overwhelmed and then you might give up on your

Self-Care, Growth Mindset, Support, Mindfulness

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goal .

Speaker 1 6:21

My second tip is to prioritize self-care . This is one of my personal goals too , as a first gen and , of course , the oldest daughter at that . I am just like go , go , go and you know I tend to burn myself out and I get hyper fixated on things and I , you know , neglect myself a lot and I end up burning myself out and overwhelming myself , which is not good for my anxiety , it's not good for my depression and it just , you know , it's overwhelming . So this year I am changing that . I am planning to put self-care more on the forefront this year . I started kind of doing that a little bit towards the end of last year . I took some steps toward it and you know I started going to like therapy and you know I have insomnia and I have a horrible sleep schedule or whatever . So I ended up actually going and doing a sleep study , which , you know , apparently I have sleep amnias , so that's probably one of the reasons as well , and you know , having a little bit of sleep and your sleep schedule being all jacked up like it's not good for your mental health anyways . So now with , hopefully , with treatment , I will get better quality of sleep and it's just going to make me more energized and just have better mental health . But I'm also taking the time to , you know , learn relaxation techniques , like actually taking the time to stretch and , you know , meditate a little bit . Because , yeah , one of my goals is , you know , exercising , being more healthy and stuff like that . But most of the times it's just like we go work out and stuff , but we don't take the time to like stretch and get our body to relax and get out of that fight or flight mode , and so that's one of the things that I want to do more this year is take time to just relax and kind of meditate and just practicing more mindfulness and balancing , you know , building this business with , you know , my family time and self-care .

Speaker 1 8:37

The next tip is to embrace a growth mindset . Like so many of us , we see something hard or difficult and it could be intimidating , and we kind of just avoid it and you know , we just don't have the confidence to take on that challenge . So instead , in 2024 , let's have this year be the year where you change your mindset to one where , when you see this challenge or see something you know kind of intimidating or overwhelming , you see that as an opportunity to learn and develop and , you know , rather than something that you need to avoid . You know , get out of that comfort zone , start building that confidence in yourself to , you know , have your own back . And you know , like my friend Maria Delgado , which in her interview , which is episode 18 , she talks about having that mindset of being her own safety net , because in our community we have to learn and build that confidence and build those skills to be our own safety net and to have our own back , because we don't have that luxury of having , like , wealthy families , that like , if we mess up or we fail at something , you know we'll be okay because you know we have wealthy families to save our behinds . We have to learn to do that for ourselves . And that's very empowering because , for example , one of the things that you know calmed me and my husband down .

Speaker 1 10:15

Both of us are transitioning out of the military he gets out this year and me the next and we did have that anxiety and that fear that you know , we've been in for 13 years and this is all we've known . It's a stable paycheck and like it's , you know , we don't have to worry about anything . And then now we have to go out and just fend for ourselves , kind of . And you know , having this mindset and having our own back is like a game changer because the reality is that we do have so many skills , we know a lot , we have so much experience from the navy and you know we've set ourselves financially and all that to be successful when we get out . But it's just that initial fear and mindset of the unknown . And now , you know , changing and actually taking the time and reflecting and having that growth mindset , we're like , no , we are going to freaking . Not only , you know , be okay , but we're going to thrive because we have that confidence in ourselves and we have that safety net of ourselves and we have our own back .

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My fourth tip is to build that supportive network . One of the things that I loved about creating this podcast was the friendships and the networking that you know it has built for me , from the guests that have come on here , the people that have reached out , that have listened to the podcast and stuff . Having those friendships , that network and that support system that uplifts and inspires you , like it was a game changer for me . Like you know , when I started this journey with Money Cheese Me last year , like , well , technically , the towards the end of 2022 was when I thought about this and started , you know , trying to go for it . Like it was , you know , intimidating and I felt overwhelmed and I felt alone and like now I have this awesome support system . And so now , when I am feeling that , like feeling overwhelmed or that imposter syndrome , you know I have this awesome network of people that you know not only listen , but then you know they listen , they help me work through that mindset and then they hype me back up and , you know , are there to support and be my cheerleaders and we support each other and , you know , bounce ideas off each other and like , really like it has helped me so much in 2023 . So , whatever you are trying to accomplish in 2024 , make sure you also take that time to find that network , to find that group of like-minded individuals that are going to you know , support you and pick you back up when you do have like a failure or a setback or whatever it may be , and bring you back up so that way you can continue moving forward and you know you achieve success through a group effort . And the good thing is that now because we have social media and the internet and all that stuff , it's easier now because you could do Facebook groups . I know I'm in several . You could find local events , you know workshops or whatever it may be where you find people . That can be your support system and network and it just makes it easier to find these people . So make sure that this year you build that support system and network .

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And my last tip is to practice mindfulness and gratitude . And you know this is one of my downfalls is that because I'm a first gen , I grew up undocumented and you know like I just have this need to succeed and being an overachiever and all that , so I'm always go , go , go . And what do I do need to do next ? What do I need to accomplish next ? And you know , just have this , this idea that I need to prove myself or whatever and be super successful that I don't take the time to appreciate and accept and celebrate my accomplishments , that I've accomplished . So this year I want to do that more . I want to practice that mindfulness and that gratitude and you know , my therapist also told me to do it . So I need to do it and so that's what I'm doing .

Speaker 1 15:02

I just ordered some journals off of Amazon that you know have mindfulness and gratitude prompts , because you know I need prompts . I don't . I can't just sit down and start writing because my mind will go blank or whatever . And that's one last thing I want to think about is , like , what do I need to write about today ? So I looked up some journals on Amazon that has like prompts already so I could just start journaling . And I also got one for my son and my husband and I want to do it as like a family thing . Now it's gonna be daily . I'm gonna try to do it daily for me like in the mornings or probably like right before bed , but for the kids probably gonna be more like weekly , because I mean , I doubt I'm going to be able to get him to do it every day and I don't want to like force it and have it be something negative , like a punishment , but I want him to get into that habit , to also practice mindfulness and gratitude and just get him into that habit . And you know , of course I got to set the example and my husband also wants to do it as well , so I got him one .

Speaker 1 16:15

So you know , I'll share the ones that I bought in the show notes as an example and get an idea of like the journals that I'm talking about , if you want to get them as cool , but really you could just get a regular journal . You could , you know , google or find prompts online or even places like Etsy . They sometimes sell like PDFs or whatever , or sometimes they sell the journals themselves with prompts in them . So you could do it that way . But the key thing is just to start practicing mindfulness and gratitude and this could be just like mentally too , like maybe you could do like meditations , like on YouTube or something that has like a walkthrough , and you just sit and meditate and just mentally go through everything that you are grateful for , whatever . You could do it that way , because sometimes you could just do it in your car too .

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So , as long as you start that habit , well , those are my tips that I am implementing this year and my tips to you to help you have not only a successful year , but a healthy and happier year . Let me know what goals you have for the year and like send me any other tips that you have or things that you plan to do the next year , because you know I'm always open for anything that's going to help me mentally and , you know , business wise . But other than that , I'm wishing you a bad as 2024 and I will see you in the next episode . Bye . Thank you so much for listening . Don't forget to like and share this episode so others can also find this podcast . Don't forget to follow me on all my social medias listed in the show notes below , where you can also find resources to help you in your financial journey . If you're interested in becoming a guest on the podcast , you can find that information in the show notes . Other than that , thank you so much for your support and I will see you in the next episode . Bye .