Category Archives: Financial

What I Would Like to Accomplish by the Time I Turn 25

Image

Turning 25 seems like a big deal for me. It’s not like turning 22 or 23… you still feel young at those ages. For me, just turning 24 scared me knowing it was one year closer to 25. Since I was little I have always looked at 25 year-olds as people who were so grown up and had everything they wanted. Now that I’m reaching this age that is half way to 30 (eek) I am realizing I was very wrong thinking this! I thought by now I would have my college degree and have a good job and maybe even be engaged to someone. (This was my thinking when I was like, 15/16 years old) Boy, was I wrong again. I never knew that I would end up not having my degree due to finances, be at an OK job and not be engaged. I’m ok with the engagement thing because now that I’ve reached 24 I feel I am too young for that anyway. I’m in a relationship and I hope it comes to that one day, until then, I wait. I also remember thinking I would have such a nice car and go out drinking to places in NYC all the time. Ha! All that requires a good amount of money. I’m in the middle of saving what I can, but the last thing on my mind is having a nice, lavish car to drive around in. The point is… things don’t really ever end up the way you think. I’m in shock that my 25th birthday is this year. It makes me kind of nervous knowing I haven’t achieved certain things yet, but I always try to remind myself that not everyone knows their path right away. It also makes me want to do everything that I’ve ever dreamed of doing because life goes by so fast and I want to make the most of it while I’m still in my 20’s.

What I Would Like to Accomplish by the Time I Turn 25 (which is in 8 months)

  • Write a short story
  • Have a specific amount of money saved up
  • Have another trip planned
  • Have my credit cards paid off
  • Reach at least 300 followers on my blog
  • A healthy, fit body inside & out
  • Participate in another writing contest
  • More positive thinking

I will continue to add on to this last in the next few months and in September I will look back and see what I have accomplished!

10 Things I Would Tell My Younger Self

Image

I always think back to when I was younger and how I had specific expectations about my future, not having any clue as to what was ahead. If I could go back in time and prepare myself for anything, it would be the following:

1. Save more money. Every time I received money for holidays, birthdays, etc. I quickly spent it. Now, at the age of 24, I wish I had some more money to fall back on when needed.

Image

2. Make the most out of your college years. If I could do it all over, I probably would go away for college and actually try my very best to finish. I would have stayed on top of financial aid and anything else that went along with schooling. I went to a local school and sometimes I feel I would have had a better college experience if I went away. Your college years only come around once, make them count.

Image

3. Don’t bother trying to fit in. After high school, no ones gives a crap what “clique” you belonged to. Don’t stress over silly people who one day will probably be out of your life forever. The only person you should care about impressing is yourself.

Image

4. Things will change – be prepared. You don’t realize when it’s happening but things change constantly and you never realize until you’re looking back on things. Your friends will change, your relationships will change, your looks will change. The only constant in this life – change.

Image

5. Take advantage & be thankful for all the things you have access to. We don’t realize until we’re older all the things we received as children that are now not as easy to get as adults. This goes for a couple of different things… anything from food, hot water, health insurance, schooling, a roof over our heads. If you were fortunate enough as a child, your parents or guardians made sure you had all these things growing up. All the necessities. Now as an adult, you hope you don’t get injured because getting health insurance through your job is too expensive so you just don’t have any at all. Everything comes with a price.

Image

6. Keep a journal/diary. Write down all the big moments in your life so you can read it ten, twenty years from now. You’ll get a good laugh at how silly you were as a kid and it will remind you of some fun childhood memories. It’s nice to take a walk down memory lane and you will want to once you’re older.

Image7. Listen to your parents when they tell you to brush your teeth. This may sound funny but it’s so true, they’re telling you this for a reason and if you don’t listen you will most likely pay for it when you’re older. The dentist sucks – plain and simple. And it costs money.

Image

8. Be adventurous as much as possible. Go everywhere you can and cause some trouble. Paint the town red and enjoy every minute of it before adult responsibilities get in the way.

Image

9. Eat the cake… eat the candy… eat the ice cream. Eat it all. One day your metabolism will slow down and you will definitely not be able to eat like you used to. Feed your sweet tooth.

Image

And most importantly…

10. Stop rushing. I remember being young and wanted to be a “grown up” so badly. Ugh, now I ask myself “why?!” You have no responsibilities when you’re a child, nothing to worry about. Enjoy it, stop rushing to become an adult because when it happens you’re going to wish you could go back to a time when things were much simpler.Image

Ways to Make it on A Little Less Income

I posted these great ideas along with an article the other day, here it is again by itself for those of you who missed it!

Ways to make it on a little less income:

1. Spend less! Start bringing lunch with you to work instead of buying each day. I have been doing this, sometimes buying once a week to treat myself. It really pays off in the end.

Image

2. Be smart when it comes to going out and spending. If you want to get together with friends, pick a night when there’s good deals going on. I did this the other night and only spent $15 (with tip!) for 3 Blue Moons and quesadillas! The friend I was with only spent $8! It’s possible to eat and drink cheap if you find the right place with the right deals.

Image

3. Coupons. I am just starting to do this because I’ve realized that it can help a lot. This isn’t only for married people either! Young people in their 20’s should most definitely do this because a lot of us have financial struggles trying to get to where we’re going. Start buying what is on sale and what you have a coupon for. Even if it’s only a couple cents, it stills helps.

Image

4. Groupon or similar websites. I’ve had a Groupon account for a long time now and really haven’t used it much. Now that I plan on only working one job, I have been searching on here a lot. It gives you great deals for a variety of different things, even weekend getaways!

Image

5. Cut down on the non-necessity things. For example, getting your hair done or your nails done. Stretch it for as long as you can with the hair, I understand it’s hard to keep up with but if you need it done that badly, do it yourself at home until you have the money to get it professionally done. When it comes to nails, I have acrylic and it can get expensive but I try to get the permanent french which can last a whole month. It takes a bit longer but it’s worth it to not have to go every two weeks. (I haven’t gone every two weeks in probably two years, it’s a waste of money.) Pedicures – it’s winter now so you can do them yourself.

Image

6. THIS IS ONE OF THE BEST THINGS I’VE DONE – Not buying a new car just because I was sick of mine. I have a 2006 Hyundai Elantra, it’s not the ideal looking car but I’m almost done paying it off so it was stupid of me to want a brand new car just to have another payment. Only get a new car if you have no other choice, it doesn’t matter what others think. What matters is you not breaking the bank just to drive around in a luxurious car that you’re just going to get sick of again. Don’t get me wrong, I almost bought a new one because I was bored with mine until my mom talked me out of it. And now, I am so thankful I listened to her! I would much rather put my money aside for better things like traveling! If you NEED a new car, buy it at the right time when they have major sales going on. Ex: Labor Day weekend!

Image

7. Wait for the right time to splurge. I recently bought a lap top in October from Walmart for just $300. Electronics are cheaper in October, up to 40% off! If you’re looking to get something, wait it out if you can so you can get a cheaper price. Take advantage of Black Friday and Cyber Monday as well. (If you’re the type of person who can do Black Friday, I’ve done it twice and am surprised that I even could deal!) Some things aren’t worth getting on Black Friday but large items like TV’s, iPads/tablets and other electronics are a good idea.

Image

8. PINTEREST! I am obsessed with this site. They have so many DIY ideas that can save you a lot of money. Ideas from decorating a new home to DIY home cleaning products that cost a lot less than buying the name brand stuff.

Image