Facing a personal financial crisis can be scary. Even if you have savings to help you out, you start to wonder just how long they’re going to last you. Whether you have high and unexpected expenses or you’ve lost your job, you need to find ways to survive until you’re able to get things back to normal.
It’s not the past that defines us; what defines is how we strive to put the past behind us. If you are in a financially messy state (really, who isn’t?), then it’s tempting to lament the decisions that lead you to that position. But really, what does that get you? You’ll be in a looping guilt trip, and all the while, you will be doing nothing to ensure you’re able to move toward reaching your financial goals. Let’s look to creating change instead. It’s much better to adopt a can-do mindset, and tackle any issues head-on. Here’s how you do it.
Remember that we are learning to refocus and find balance in all areas of life. Last week, we talk about finances (click here to read my budgeting ideas for a varying income). As I started to write this, I realized I have no idea why I decided to pursue this niche at this season in our lives.
This is the last in my series about side hustles and second incomes. My personal opinion is that everyone should have a side hustle, it’s kinda like a hobby… but you get paid for it! In this series, we have already given well over 50 options for side hustles and second incomes (check out part 1 here), but now let’s look for extra income jobs for people who Have the money and desire to invest in a side hustle turned career/business.
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…
“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.