3571: Financial Reset - Setting New Financial Goals by Andrea Joy of Saving Joyfully on Setting Money Goals

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily LLC

Business, Education, Investing, Self-improvement

4.5 • 1.3K Ratings

🗓️ 24 May 2026

⏱️ 11 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3571: Andrea Joy explores how a “financial reset” can go beyond a temporary no-spend challenge and become a complete lifestyle shift toward healthier habits, smarter budgeting, and more intentional family living. By combining reduced spending with meal planning, organization, fitness goals, and long-term accountability, the article offers practical inspiration for anyone looking to regain control of their finances without feeling deprived. Read along with the original article(s) here: https://savingjoyfully.com/financial-reset-setting-new-financial-goals/ Quotes to ponder: "A personal financial reset is a re-evaluation of our financial lives and our overall spending." "We need to set some goals during that month that we carry forward." "The most important part is not spending nothing, it is decreasing spending overall." Episode references: Panera Rewards: https://www.panerabread.com/en-us/mypanera.html Starbucks Rewards: https://www.starbucks.com/rewards Lemon Blessings: https://lemonblessings.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0	Attention all passengers. The Uber ride for Jeff's rugby team will depart in five minutes from Platform 15.
0:09.2	Your ride comes with six toilets and a refreshments carriage that you'll empty within five minutes.
0:16.5	Thank you for booking your tickets on Uber.
0:20.4	Trains on Uber.
0:22.6	This is Optimal Finance Daily.
0:25.1	Financial Reset, Setting New Financial Goals by Andrea Joy of Savingjoyfully.com.
0:32.3	What is a financial reset?
0:35.3	How do I begin to evaluate and reset my finances? This month, my husband and I are
0:40.5	once again embarking on a no-spend month challenge. This no-spend month challenge will be similar to the
0:47.2	last one I participated in with Sarah from lemonblessings.com. The rules will remain basically the same as our last no-spend challenge.
0:56.2	We will pay our bills, buy the essential groceries, and pay for gas. Anything within our
1:01.3	normal monthly budget, but nothing more. This time, our no-spend month challenge is more of a
1:07.2	reset for the new year. The purpose of this personal financial reset, as I will call it,
1:12.6	is to get our financial life on track. What is a personal financial reset? A personal financial
1:19.6	reset is a reevaluation of our financial lives and our overall spending. Wondering why this
1:25.6	personal financial reset works? Basically, my husband and I will be
1:29.4	spending more time during our no spend month, analyzing our financial futures. We'll begin considering
1:35.5	ways that we can cut spending overall and also begin to restructure our lives overall.
1:41.0	We had a brand new baby last year in June, and she's now eight months old. As with all new
1:45.9	babies, our life has dramatically changed. Throughout this change, we've made a lot of the changes
1:51.2	that are not necessarily helping us reach our goals financially. We've also had some setbacks
1:57.0	taking care of ourselves physically due to stress and changes in our routines.
	...

Transcript will be available on the free plan in 14 days. Upgrade to see the full transcript now.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Optimal Living Daily LLC, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Optimal Living Daily LLC and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.