It’s the time of year where we all spend a little (or a lot) extra on gifts, events, parties and who knows what else. Are you the discount gifter, the planned gifter or the unplanned, rushed gifter?
As we continue on our financial journey, I felt that I should share some things I wish I had been told when I was in college. College years is where most people start to pick up bad habits for their finances. If your parents didn’t set you up for success (aka – teach AND model good finances), you get out of high school and are plunged into the adult world, filled with bills, responsibility, college, stress and trying to stay afloat in all of it. And, so you try, kudos to you for trying! But, if you are reading this, you probably in need of some tips.
“I know I could have used the help 10 years ago when I struggling to keep my grades up and my bank account postive…”
so here is my post college financial wisdom…
Money… the lack of it, the way it is spent, stressing over, working 40+ hours a week for it. And if you are trying to do life with a spouse, well, then it is double the trouble as you try to do this whole money thing together. Seriously, you know that money is the #1 reason for divorce in America, no wonder it feels like you are trying to pull a lion’s teeth every time you try to talk about it. So let’s find a better way to do this, let’s pretend budget conversations are like eating dinner.
How I managed to have this much clutter in my kitchen, I will never know. And I didn’t get through the dishes/utensils. What I worked through was the food cabinet, the spice cabinet, the tea cabinet, the coffee cup cabinet and the 3 cabinets that are basically kitchen junk cabinets. 4 bags of trash. 4 bags of wasted space. 4 bags of unneeded stuff. FOUR. BAGS.OF. TRASH… FROM. MY. KITCHEN. CABINETS. Continue reading “How (And WHY) I Threw Out 4 Bags Of Clutter From My Kitchen…”
I always felt I should make elaborate meals. And then… I would get so stressed and upset when Henry wouldn’t eat them. I grew up eating 3 sit-down meals a day, 3 complete meals with protein, starch/carbohydrates and vegetables. Sometimes a dessert and fruit too. So, this is how I tried to handle food in our house for 2 years. HOWEVER, I stressed so much over how I ‘should’ be cooking that I HATED cooking. HATED the kitchen. HATED shopping for us. HATED planning meals. HATED anything to do with food. I was wasting time and energy AND money trying to keep up with the cooking and planning. Who is with me on this?
“Less is best” has become my motto for my faith, use of time, priorities and spending habits. And yet, I am beginning to learn that there is so much more to this mindset than just ‘having less.’
My attitude is now focusing on adding value, on being intentional and knowing my personal goals above all else. This idea of simplifying goes into all aspects of my life - relationships, time management, faith, money, being balanced, careers, everything is covered by it. The truth is, I have found minimalism to be a freeing mindset. I am truly enjoying the process of becoming more by becoming less.
“How many jobs have you held in your life?” Everyone I have asked this is on one extreme or the other. Either they only had a few jobs in their lifetime or they were changing jobs every few months like I have done. Here is the short list of jobs I have held – teacher, English/Math tutor, copywriter, cancer researcher, marketing coordinator, barista, waitress, customer service at a bookstore, cashier at a university cafe, after school helper, preschool aid, fitness center front desk help, administrator assistant, claims investigator, courier driver, author, ride share driver, flower and ‘fruit basket’ deliverer, direct sales distributor, summer camp organizer and blogger.
I knew I oversaw my destiny…
Yes, you read that right…. A chore list that works and saves you time. See, I work 11 hours a day, plus have about a 40-minute commute. Run the time for that – I eat dinner around 9:30 pm and only have a few minutes to clean my house or to take care of any of the chores. A few years ago, when I was getting my master’s degree, I came up with methods to make chores, cooking and house responsibilities less time consuming and easier to deal with.