heathen [hee-thuhn] uncultured, uncivilized

Financial wellness involves managing your financial resources in a way that supports your current and future financial goals, as well as your overall well-being. It encompasses budgeting, saving, investing, and planning for the future, with the aim of achieving financial stability, security, and independence. 

Those who prioritize financial wellness strive to live within their means, reduce debt, and build savings and investments for emergencies, retirement, and other long-term goals. They also seek to educate themselves about financial matters, make informed decisions about spending and investing, and maintain a healthy balance between their financial goals and their lifestyle choices. 

Financial wellness promotes peace of mind, reduces financial stress, and enables individuals to pursue their aspirations and enjoy a higher quality of life. 

By prioritizing financial wellness, you can achieve greater financial freedom and security, as well as a sense of empowerment and control over your financial future. 

Goals for your financial wellness:

• Create a Budget: Establish a realistic budget that outlines your income, expenses, and savings goals. Set specific spending limits for different categories, such as housing, transportation, groceries, and entertainment, and track your expenses regularly to stay on track. 
• Reduce Debt: Set goals to reduce and eliminate high-interest debt, such as credit card debt, student loans, or personal loans. Develop a repayment plan that prioritizes paying off debt with the highest interest rates first while making minimum payments on other debts. 
• Build an Emergency Fund: Set a goal to build an emergency fund that covers three to six months' worth of living expenses. Start by saving a small amount each month and gradually increase your savings until you reach your target emergency fund goal. 
• Save for Short-Term Goals: Set goals to save for short-term financial goals, such as a vacation, home renovation, or major purchase. Determine the amount you need to save and establish a timeline for reaching your savings goal. 
• Invest for the Future: Set goals to invest for long-term financial goals, such as retirement or education expenses. Determine your risk tolerance and investment objectives, and develop an investment strategy that aligns with your goals and time horizon. 
• Plan for Retirement: Set goals to plan for retirement by contributing to retirement accounts such as a 401(k), IRA, or pension plan. Determine your retirement savings target and set a goal to increase your contributions over time to reach your retirement goals. 
• Educate Yourself: Set goals to educate yourself about personal finance and investment principles. Read books, attend workshops, or take online courses to improve your financial literacy and make informed decisions about your finances. 
• Review and Adjust: Set goals to regularly review your financial situation and adjust your goals and strategies as needed. Monitor your progress towards your financial goals and make adjustments to your budget, savings, and investment plans as your circumstances change. 

By setting specific, achievable goals in these areas, you can enhance your financial wellness and achieve greater financial security, stability, and prosperity in the long run.