10 Ways to Gain Financial Hope

Balancing the checkbook, I looked ahead at the new month with great anticipation. Low and behold, I realized this month wouldn’t be much better than the last. Hope began to shrivel inside me and discouragement quickly took it’s place.

I stared debt down wishing it would just disappear. We live modestly, we don’t eat out, vacations are few and far between, and every month feels like a no spend month! We don’t need to jump on the ‘no spend month’ bandwagon because we’ve been there for years.

What we need is Financial HOPE!

Hope is to believe, desire, and trust with reasonable confidence.

Without hope, it’s easy to become discouraged and GIVE UP.

Let me just say, DON’T GIVE UP HOPE! Not yet. You can do this! You got it! Dig deep and believe with confidence that your finances will work out.

I stared debt down wishing it would just disappear. We live modestly, we don’t eat out, vacations are few and far between, and every month feels like a no spend month! We don’t need to jump on the ‘no spend month’ bandwagon because we’ve been there for years. What we need is Financial HOPE!

10 Ways To Gain Financial Hope

1) It’s a New Day!

Each day is a fresh start. A chance to start again. You got off track. Today is the day to jump back on!

Financial Hope

2) Set Goals

No matter how small, when we achieve a goal, confidence arises and hope returns.

Seventeen months ago, we decided to save $100 a month in an emergency fund. It seemed as though it would take FOREVER to save a substantial amount at that rate. Guess how much we have this month? You got it, $1700! Unfortunately, we also had an emergency and had to replace the tires on Blake’s truck so we are down to $1000 but I’m thrilled there was no need to charge those tires!

What goal can you set?

Set Goals

3) Challenge Yourself

You may challenge yourself to call three companies this week and ask for a lower rate.

How about challenging yourself with a certain dollar amount for all expendables and sticking to it?

Living within your means? That’s a great challenge, right there!

Challenge Yourself

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For the past few months, we have challenged ourselves with a $1,000 dollar amount for all expendables. This includes groceries, co-pays, doggie haircuts, prescriptions, any and everything that comes up in the month. We have been quite successful except for the things we order online through Thrive Market, supplements, and essential oils. The next challenge will be to pay off the things we charge right away. One challenge at a time!

Challenge yourself and be victorious!

4) Count Your Blessings

It’s nothing short of amazing when you take a look around your surroundings and realize just how blessed you are!

Lists are a favorite of mine! Somehow, just making a list of things that need to be done, bought, or planned for is an awesome release. It’s fun to look back later to see how much you’ve accomplished off that list that you didn’t even realize. There will also be things on that list that are no longer important and you won’t believe you wanted it in the first place.

Blessings come in many different shapes from the tangible to mental, spiritual, and physical.

Take a look around right now and count three blessings in your life.

Mine are awesome kids who love God, a cozy, comfortable home, and a husband who dotes over us all!

Now take a look at your want list. What can you cross off?

For me, it’s a beautiful garden area, a nice computer, and a Berkey!

When you realize you are actually making progress, that list becomes full of hope!

Happiness is not having what you want, but wanting what you have.

Look what you’ve accomplished!

Count Your Blessings

5) Give Yourself A Pep Talk

We all need it now and again and who knows you better than yourself?

So you’ve paid the bills for the month and it’s scary. A nightmare, really. Take a good look at where you are right now and then look ahead to the light at the end of the tunnel. Next, make a list and number it 1 – 10. Next to number one, write what you are feeling right now. Next to number ten, write where you want to be. Now fill in numbers 2 – 9 with steps to get there.

It could look something like this:

  1. We will never be out of debt.
  2. Smile every day!
  3. Take time to laugh.
  4. Make my coffee at home.
  5. Brown bag my lunch.
  6. Make the best of what I have.
  7. Look for money making opportunities.
  8. Watch movies on Netflix.
  9. Stay away from the mall.
  10. Be debt free!

I will rock my finances because ___________________________.

Now give yourself a high five!

High Five

6) Do The Best You Can With What You Have Right Now

You can make it work!

The floors need to be replaced, the green countertops are ready for an upgrade, the dryer dries oh so slow, and that dishwasher, oh my goodness, every wheel has fallen off the bottom tray. Good Gravy, Miss Mavy! Sometimes you think the house is falling apart!


You know what? We can make sure that old carpet is clean, we can shine those green countertops, be patient with the dryer, and lift that bottom dishwasher tray out and get a work out doing it too! We can make this work!

Delay gratification and make it work! (Of course, there are instances which are just plain emergencies that can’t wait. If the structure of your home is compromised, action needs to happen. I’m looking at you, mossy roof!)

7) Look For Ways To Have Fun For Less

On one hand you feel like you can’t have fun if you don’t spend money, on the other hand you realize there are plenty of ways to have fun without spending a dime.

But HOW?

The definition of fun is different to everyone. While I might enjoy gardening, my teenagers would never list gardening as a fun activity. As a matter of fact, their idea of fun is probably all about the money. That’s where it’s our job to reel them in and show them frugal fun! It’s a quality that will serve them well in their futures!

Check out this post for fun things to do with teens without spending a lot!

7 Fun Things To Do With Teens

You CAN have fun!

8) Do Something For Someone Else And Keep On Giving 

It’s amazing how doing for others can give you a whole new perspective.

There was a student at Blake’s school who participated in track wearing shoes that were held together with duct tape. We went and purchased him shoes, but not just a cheap pair to get him by, we purchased nice name brand shoes that the student could be proud of. This incident put a bug in Blake’s heart to do more. He began a shoe closet and invited co-workers and friends to donate their used tennis shoes still in good condition. Blake knows all too well what it’s like to wear shoes that need to be taped as he has worn taped shoes in his younger years.

Financial Hope

What can you do for someone else?

9) Have An Attitude Of Gratitude

Gratitude and hope go hand in hand. Can you be discouraged and grateful at the same time?

An attitude of gratitude shifts your mindset. Instead of waiting for life to change, change your attitude! When you have an attitude of gratitude you no longer are whining and complaining but, instead, looking for solutions. Your attitude will become contagious and you will attract others with the same positive outlook on life!



10) Keep Moving Forward

It’s better than the alternative!

One step at a time. Yield to God’s creative work in you. Don’t resist it or try to speed it up. Let Him set the pace. Hold His hand and the way before you will open up step by step!

One Small Step

You gotta believe it.

You gotta want it.

You gotta trust you can do it!

“For I know the plans I have for you,” declares the LORD, “plans to prosper you and not to harm you, plans to give you hope and a future.” Jeremiah 29:11

Like this post? Print off your very own worksheet and work through building Financial Hope!

Just click the picture below!

Financial Hope



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I stared debt down wishing it would just disappear. We live modestly, we don’t eat out, vacations are few and far between, and every month feels like a no spend month! We don’t need to jump on the ‘no spend month’ bandwagon because we’ve been there for years.

What we need is Financial HOPE!
4 comments… add one
  • Autumn @ The Barefoot Budgeter Sep 28, 2014, 10:45 am

    Attitude of gratitude – love it. Losing hope is sooo easy to do. I think it’s human nature to focus on the one negative thing that happened instead of the ten positive things that happened. Just being aware of that helps 🙂

  • How Do The Jones Do It Sep 28, 2014, 1:35 pm

    It’s so true Autumn! We must remember to focus on the positive! Thank you so much for stopping by!

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