How to Gift Yourself a Healthy Financial Future

Who doesn’t love getting gifts? I know that I look forward to getting some sweet swag every year on my birthday. This year I got tickets to Stevie Wonder and an amazing sketch of me holding hands with Will Smith (be still my heart!) from my friends.

Some gifts you have to give yourself. While yes, your friends and family are there for your Will Smith-related needs, something like long term financial planning is going to have to come from you. And don’t be fooled- long term financial stability is just as sexy as Will Smith is. I promise!

This year I personally decided to give myself the gift of debt freedom. Through eliminating debt I am giving myself a more stable financial footing. I am giving myself a more secure future. I am giving myself control over my income and finances.

A healthy financial future is one as free of worry and instability as possible. I think we all want to be secure in our finances, despite the changes that may and will come our way. The choices we make today affect the person we’re going to be tomorrow. Why not make the decision for tomorrow a positive rather than a negative?

This kind of gift doesn’t require a shopping spree at the mall. How can you gift yourself a healthy financial future? It’s actually kind of easy and the kind of gift you’ll love for years to come.

Set Goals

Think about your life as it is. What do you love about it and what would you change? Are you happy in your town but not in your job? Do you want to have a child in the next few years or spend some time traveling internationally? Knowing the answers to these questions and setting goals will help lead you in the direction you really want to go in.

Get Out of Debt

If you are in any debt (other than a house payment) get out of it ASAP. Consumer debt is just going to make everything else you want to do harder. Debt freedom is an incredible gift to give yourself. Like I mentioned above, debt freedom is really a gift of independence. You can control and own all your money. You don’t have to spend it on anything and you don’t owe it to anyone. It won’t hang over your head when you need to make other life and financial decisions. Getting rid of debt is the first and biggest step in a healthy financial future.

Save Money

Saving money is the next step. If your debt load is small (under $10,000) and you’re on the younger side, you should prioritize debt payoff over saving. If you have a significant chunk of debt, save while also paying down debt. You can’t spend years at a time without saving money. Don’t just let your money pile up in a savings account either. Invest in the stock market and put your savings to work!

Build yourself a stable financial basis and suddenly the rest of your life will be smoother as well. If you have a really solid next egg of savings and investments and no debt you have a flexibility that those without those things don’t. With that background you can leave a job where you’re unhappy or switch to a less stable career. You can take risks that those shackled to debt can’t.

Knowing what you want and how to get there is the path to success in any aspect of life. Knowing that you want a healthy future means making good choices today. Give yourself the gift of being good with money and set yourself up for a long and happy financial life!

How are you gifting yourself a healthy financial future?



  1. Brett Auger says

    I’m currently gifting myself with a job (still working on acquiring it lol) somewhere back in the midwest, where the cost of living is lower, and travel for holidays with the family won’t break the bank as much! I’m hoping to gift myself with debt-freeness in about 24 months, give or take, and I’ve gotta say, I can’t wait!

    • A job is a great financial gift, haha. It sounds like you’re on the right train to keep costs low and start making progress on debt. All great gifts!

  2. I’m hoping to give myself that same gift of debt freedom by next year 🙂 I’m also saving money so that in the future I continue to have a happy financial life. I like the thought of calling it a “gift to yourself”. If more people looked at it that way, there might be less debt!

    • I like that too! A little something good for ourselves in the future. Hindsight is 20/20, but wouldn’t be it be nice to say that our foresight was 20/20 just once? A gift of debt freedom is exactly that!

  3. Consumer debt is just going to make everything else you want to do harder.

    Couldn’t agree more make paying off debt a priority and debt freedom, each day will lighten up after that.

  4. I’m gifting myself a lifestyle I love that’s is sustainable over the long term. It’s still a work in progress but it is more important to me than any other tangible gift I could give myself. Debt free, making a life and earning a living on my terms – priceless!

  5. Hustling – that is how I’m gifting myself a better financial future. Whether it’s my job, blogging, pay-per-click sites and apps, my tutoring side hustle, or finding more stuff to sell on eBay, I’m always working on getting out of debt. I stay motivated by the fact that saving up money (after paying off debt) will give us more flexibility to live on our own terms.

    • I worked 5 jobs at once when I was trying to get out of debt. I would stay late, pick up the extra shift, do whatever I could because I knew how good it would be for me to be debt free. Now that I’m on the other side, I thank myself all the time for that hustle. Stay strong!

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