2017 Checklist for a Happy Wallet

As we ponder the auld lang syne of 2016 and begin the entry into 2017, I’m forced to realize that I’ve been blogging for 9 months.  Amidst the craziness of a full-time job and blog writing, I’ve added a new job (I’m a Realtor!), the purchase of a home, and two puppies to the mix!  I’ve been engaged in life to say the least.  The year has been a roller coaster.  It’s up and down, happy and sad, but at the end of the ride, I can still say I had fun!  As far as the Celt family, we remain intact.  Lady Celt hit a large goal for weight loss, and the Mini-Celt (who now sports a new Mini-Kilt) has grown exponentially – both physically and mentally.

Entering 2017, I would be remiss to not give you all some savvy tips for a New Year, New You.  This past year I’ve regaled you all with topics of retirement plans, and identity theft; making a car budget and various treats of real estate.  Let’s see if I just can’t wrap it all up with a nice big tartan bow!

Read on to learn how you can make 2017 your best year for finances yet!

The 2017 Celt Checklist for a Healthier Wallet

  1. You Gotta Hustle.  I can’t emphasize this enough.  If you’re in your 20’s or 30’s, you’re the prime age to be out there working longer and grinding harder.  The power of compounding interest makes this even more important.  The more money you accrue now, the longer you have to grow it.
  2. Make a Budget. You can’t honestly guess about how much you’re spending until it slaps you in the face from a paperless frowny face.  Update your budget every two weeks if you’re constantly hitting your goals.  If you’re not, you may need to update it once a week or every few days to stay on track.
  3. Make Savings a Priority. The easiest way to do this is through an automatic contribution to an IRA. Whether it is pre-tax or post-tax is your decision.  Humans are incredibly adaptive creatures.  Use our nature to your advantage by putting the money away first.  You will adapt to the new amount of income.
  4. Don’t Overspend. Cars, homes, your annual coffee budget.  They all have places in your life.  Don’t overspend on them!  Cars should no more than 10-20% of your yearly gross income.  Homes should be 2.5-3 times your gross annual income.  If you’re straying from those limits, you’re putting yourself in needless financial risk.
  5. Be Sure to Check Online. I can’t tell you how many times I go into a store like Target to buy something, only to see they exact same item is for sale on the Target website for 20-30% lower.  Make them price match at the register.  If something is coming from a big box store, and it’s more than $20, I always check online to make sure it’s the best price.  Not all stores will match their competitor’s site, but most will match their own site.
  6. Enjoy Free Events. So many of us get fixated on going to the movies, or dinner, or some other paid event.  But chances are you’re skipping some amazing community events.  Around me, we have multiple fantastic art shows.  Plus, every holiday, my city (or a surrounding one) organizes some sort of event.  This 2017, get active in your community.  Go out and meet your neighbors!
  7. Go on Vacation. Say Whaaaaaaat!?  The Celt wants you to spend money?  That’s right.  Go on vacation.  Admittedly, this is a hard one for me.  When I take a week off that means I’m not hustlin’ and if I’m not hustlin’ I’m not making money.  But I can tell you, after an actual week-off this last year, I’m looking forward to my vacay this year.  I came back refreshed, and energized and then I grinded even harder.  Your body is a machine and machines need repair.

First 2017 Conclusion

I’m really excited for this coming year.  I ended 2016 incredibly strong, closing on my first deal after

2017 Resolution - Be Awesome

Make it Your 2017 Resolution

only being a Realtor for 2.5 months.  That was on top of some other really great professional wins for the year.  I want everyone to kill it this year.  To help out, I’ll give insight into what I do to keep me motivated.  It’s corny, but every morning I listen to motivational videos.  Whether I’m in the shower or running through my morning emails, I’ll have Youtube playing my favorite motivation videos.  Every morning I give myself that positive reaffirmation.  It’s done wonders for my image, confidence, and overall willingness to work long hours and many days.

This is page one of a 365-page book.  Write the story you want to read in 2017.


Celts, what sort of goals do you have for 2017?  What big accomplishments did you make in 2016?  Let me know in the comments below.  I hope we all have a magical year and that we all do something that permanently changes us for the better. 

Cash Flow Celt

I'm just a local business and finance nerd looking to help people get educated about small business, marketing, and personal finance! I write about anything and everything that I can tie into those themes. I'm also Central Florida's only Kilted Realtor, so I write about Real Estate too! Check out my About Me page to see the origins of Cash Flow Celt.

You may also like...

4 Responses

  1. Jack Catchem says:

    I worked a lot of overtime last night, read the last sentence this morning and thought, “sweet, Celt is writing a book.” I was saddened to realize it was my error. Still, a very nice turn of phrase!

    Also I’m a fan of #1. If there’s been anything I’ve come across in military, law enforcement, or RPGs, the difference between the amateur and the pros is that willingness to get in there and grind. That consistent, daily, oppressive attention to detail is a mark of a succeeding professional in my view. As long as you follow the other tenets that saving and career success should be a siren song for financial independence.

    • Cash Flow Celt says:

      No book plans as of yet, I probably need to hammer down my story-telling to get to a Jack like level!

      And I believe the same when it comes to the daily grind. However, I think we differ in the spectrum. There is nothing wrong with coming into work every day and being average. In fact, it’s expected. You can still be a successful person doing that. However, the difference, is that those who come in every day with only the ability to give their 100% is that they don’t leave anything on the table. They have the potential TO REACH their potential. It’s a slight difference, but one that I think is important to note.

      I for one want to die knowing that I did do all that I could.

  2. Cathy Colangelo says:

    Well-written, great points. Proud to know you and Lady Celt and mini-Celt.

Leave a Reply

%d bloggers like this: