{"id":5770,"date":"2017-04-11T09:44:11","date_gmt":"2017-04-11T13:44:11","guid":{"rendered":"http:\/\/www.carryonfriends.com\/?p=5770"},"modified":"2023-11-04T22:10:55","modified_gmt":"2023-11-05T02:10:55","slug":"cof-60-setting-smart-financial-goals-with-steven-hughes","status":"publish","type":"post","link":"https:\/\/carryonfriends.com\/cof-60-setting-smart-financial-goals-with-steven-hughes\/","title":{"rendered":"COF 60: Setting SMART Financial Goals with Steven M. Hughes"},"content":{"rendered":"<iframe loading=\"lazy\" class=\"buzzsprout-editor-preview\" src=\"https:\/\/www.buzzsprout.com\/685469\/episodes\/1920815?client_source=small_player&#038;iframe=true\" width=\"100%\" height=\"200\" frameborder=\"0\" scrolling=\"no\" style=\"display:block;border:0;\"><\/iframe>\r\n\r\n<div class=\"wp-block-spacer\" style=\"height: 100px;\" aria-hidden=\"true\">\u00a0<\/div>\r\n\r\n<div>\r\n<p>Steven M. Hughes is a Caribbean American social entrepreneur, and financial literacy\u00a0advocate. Steven\u00a0is of Jamaican parentage and is based in Columbia, South Carolina.\u00a0For the past six years, he has\u00a0empowered thousands of people \u2014 equipping them with knowledge and tools to\u00a0develop their financial foundation, set and achieve their goals, and most importantly,\u00a0take action to make positive life changes through his keynotes and workshops.<\/p>\r\n<p>In 2014, Steven also founded and launched\u00a0Know Money, Inc., a 501(c)3 nonprofit that teaches youth and young adults how to\u00a0manage their money and build sustainable businesses.<\/p>\r\n<p>After making every money mistake imaginable as a student at Clemson University,\u00a0Steven took massive action over the course of the next four years to improve his\u00a0financial situation. He&#8217;s now a nationally Certified Financial Education Instructor, and\u00a0he&#8217;s also been appointed to the Global Shapers Community by the World Economic\u00a0Forum, based in Geneva, Switzerland.<\/p>\r\n<p>In this episode, Steven\u00a0explains how money is an emotional decision and\u00a0the difference between Dream Money Statements vs. SMART Financial Goals.<\/p>\r\n<h2>Kerry-Ann&#8217;s Episode Takeaways<\/h2>\r\n<\/div>\r\n<ol>\r\n<li>Resource: <a href=\"https:\/\/cof-kmi-resource.s3.amazonaws.com\/Map+Your+Money+Financial+Goals+%2B+Action+plan.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Map Your Money Guide<\/a><\/li>\r\n<li>We\u2019ve been taught about money that it\u2019s a logical decision vs money being an emotional decision.<\/li>\r\n<li>We have to connect the emotion underlying our money habits.<\/li>\r\n<li>Good financial habits come from understanding the emotional decisions we make when it comes to money and creating good money habits.<\/li>\r\n<li>Dream Money Statements vs. SMART Financial Goals.\r\n<ul>\r\n<li>Stay away from broad sweeping financial statements. If you do, they must be broken up into smaller, more manageable and Actionable goals<\/li>\r\n<li>One good money habit is setting financial goals and being clear about those goals are.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<li>If you have a side hustle and a full-time job co-mingling of money doesn&#8217;t allow you to see your financial goals for the side hustle. Therefore we need to have separate bank accounts.<\/li>\r\n<li>We shouldn\u2019t be paying Banks to access our money. So find options to do away with monthly fees. Especially as a solopreneur, freelancer, side hustler you want to keep your overhead as low as possible.\r\n<ul>\r\n<li><a href=\"https:\/\/www.bankmobile.com\/\">Bank Mobile<\/a> a division of Customer\u2019s Bank in PA.<\/li>\r\n<li><a href=\"https:\/\/www.oneunited.com\/\">One United (A Black Online Bank)<\/a> based in Boston MA<\/li>\r\n<\/ul>\r\n<\/li>\r\n<li>PayPal is not your bank\r\n<ul>\r\n<li>PayPal is the processing system that allows us to transact any type of sales. It\u2019s like a bridge and our money shouldn\u2019t be left there.<\/li>\r\n<li>Money left in PayPal not insured.<\/li>\r\n<li>Money collected via PayPal should go to business checking account.<\/li>\r\n<\/ul>\r\n<\/li>\r\n<li>We should automate our savings:\r\n<ul>\r\n<li>Put savings where not easily accessible.<\/li>\r\n<li>Using a tool like <a href=\"http:\/\/digit.co\/r\/by7P9?sm\">Digit<\/a>. (aff)\r\n<ul>\r\n<li>(Update: <span style=\"color: #ff0000;\">As of 4\/11\/17 Digit is no longer free.<\/span> <a href=\"https:\/\/blog.digit.co\/2017\/04\/11\/charging-for-digit.html\">A monthly subscription will cost $2.99<\/a>. Digit is also increasing the <a href=\"https:\/\/help.digit.co\/hc\/en-us\/articles\/217377538-How-do-Savings-Bonuses-work-\">Digit Savings Bonus<\/a>. All customers will now earn a 1% Savings Bonus)<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/li>\r\n<li>Gmail account for bills and financial statements<\/li>\r\n<\/ol>\r\n<p><strong>Connect with Steven<\/strong> &#8211; <a href=\"http:\/\/www.facebook.com\/knowmoneyinc\">Facebook<\/a>\u00a0| <a href=\"https:\/\/www.instagram.com\/KnowMoneyInc\/\">Instagram<\/a>\u00a0| <a href=\"https:\/\/twitter.com\/KnowMoneyInc\/\">Twitter<\/a><\/p>\r\n<p><strong>Join the convo online using #cofpodcast<\/strong><\/p>\r\n<p><strong>Carry On Friends &#8211;\u00a0<a href=\"https:\/\/www.twitter.com\/carryonfriends\" target=\"_blank\" rel=\"noopener noreferrer\">Twitter<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.instagram.com\/carryonfriends\" target=\"_blank\" rel=\"noopener noreferrer\">Instagram<\/a>\u00a0|\u00a0<a href=\"https:\/\/www.facebook.com\/carryonfriends\" target=\"_blank\" rel=\"noopener noreferrer\">Facebook<\/a><\/strong><\/p>\r\n<p><em>Enjoyed the show? Please remember to\u00a0<a href=\"http:\/\/bit.ly\/1HnDcMv\" target=\"_blank\" rel=\"noopener noreferrer\">leave a rating and review on iTunes<\/a>.\u00a0<\/em><\/p>\r\n<div>[spp-reviews]<\/div>","protected":false},"excerpt":{"rendered":"<p>Steven M. Hughes is a Caribbean American social entrepreneur, and financial literacy\u00a0advocate. Steven\u00a0is of Jamaican parentage and is based in Columbia, South Carolina.\u00a0For the past six years, he has\u00a0empowered thousands of people \u2014 equipping them with knowledge and tools to\u00a0develop their financial foundation, set and achieve their goals, and most importantly,\u00a0take action to make positive&hellip;<\/p>\n","protected":false},"author":2011,"featured_media":27550,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_wp_convertkit_post_meta":{"form":"-1","landing_page":"0","tag":"0","restrict_content":"0"},"footnotes":""},"categories":[207,292],"tags":[],"class_list":["post-5770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cofpodcast","category-lifestyle"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Steven M. 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