Tag Archives: finances

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

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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!

I Crave

I crave such simplicity,

A dirt road leading to a farm house with a wrap around porch.

I crave such peace,

Lying on a hammock listening to the shimmy of the trees.

I crave such serenity,

A bubble bath in a claw foot tub.

I crave such calm,

A screen door that creeks closed when the wind blows.

What do you crave?

Is it a mansion with seven bathrooms?

What do you long for?

Is it the newest Mercedes or brand name handbag?

What do you dream about?

Is it a lavish life that brings chaos?

That’s why I crave simplicity; chaos.

It clogs the brain, stresses the heart,

With simplicity comes peace.

You can have the extravagance…

I’ll take the creeky screen door

Over the seven bathroom mansion any day.

Why? Because my heart craves simplicity.

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Living is More Important Than Money

This is something I’m starting to learn, it’s hard but I’m learning. Today I get paid and pretty soon this will be my only job… after going from 3 jobs to 2, back down to 1 is a bit of a transition. I went from getting paid 7-8 times a month (ridiculous, I know!) to 4 times a month and soon to 2 times a month. One of my jobs was seasonal and the other was one day a week so I put my two week notice in. I have some money set aside but I never realized how much I was making until I started making less. I have more time to do things though and enjoy life which is the pro of all this and that’s what I try to remember when looking at my bank account. I re-blogged a post yesterday about a nurse who asks her terminally ill patients what they regret the most in life now that they’re on their death bed – a good number of them said they regret working so much. This made me realize that I was making the right decision about going back down to just 1 job. I have to enjoy my life before it’s too late. We never know what can happen and I’m not going to wait for it, in the meantime I’m going to try my best to do the things I’m dreaming to do. The longer we wait, the sooner life passes us by.

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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.

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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.

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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.

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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!

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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.

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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!

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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.

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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.

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Changes are Coming [Also, Ways to Make it on A Little Less Income]

So, after over 5 years at the real estate office, I am putting in my 2 weeks today. My manager should be coming in sometime today and I’m a little nervous but so excited to finally move on from this place. They literally just signed off on a tiny raise for me (after 5 years) and I feel like it might be a slap in the face to them but that’s how I’ve felt for awhile so I guess it’s called karma? I have continuously thought about leaving here for well over a year and have not had the courage to do so for money reasons and comfort reasons. I slowly cut my hours as time went by, now I’m only working Saturdays because I work at the website during the week. I have been dying to have my Saturdays and weekends back to myself instead of giving my time to a place that has yes taught me responsibility, but has also taken a lot out of me. Many rude encounters and phone calls, many times biting my tongue to please people and customers. I’m happy that at the website I don’t have to answer phone calls, I write and keep to myself! Coming here on Saturdays to answer the phone to sometimes extremely rude people, really makes you start to lose it after awhile. I hope that after today, I no longer feel stuck here. I was staying because of money reasons but have realized that my happiness is more important. (And I won’t be missing out on THAT much money, honestly.)

I have written a couple of different blog posts regarding making the right decisions to make yourself happy, even if you’re afraid to do so. Like I said in those other posts, it’s fear of the unknown and fear of making such a big change. Change is good though and is a positive thing. And if you’re at a job that you’re starting not to enjoy as much anymore and it isn’t your career… then nothing is stopping you! Even if it is your career, it’s never too late to make a change. Think about it, your happiness is at stake here! Our time on this Earth is too short to let jobs consume you. I’ve come to a point in my life where I’m ready to move on and continue with the website where I’m content doing things that are useful for my career path. Too many of us feel stuck and never make a move to change things for the better, I don’t want to fall under that category. I’m done just talking about it, now today I’m going to be about it. As a young girl starting to work here, I had to learn about kissing ass and keeping your mouth shut regarding confrontation with agents or people over the phone. Don’t get me wrong, I have been rude right back plenty of times because you know what? If you’re rude to me, I’m being rude back. I let some things slide because I don’t need strangers ruining my day but some people go way too hard to be rude, and those are the ones I let loose on. THE CUSTOMER ISN’T ALWAYS RIGHT! I don’t care how many companies use this ridiculous saying because honestly, those who are high up and telling you this – are probably annoyed they have to be nice to rude people as well! It’s all about the business baby. But, after awhile, kissing ass gets tiring. And I’m tired.

So the point of this post is – MAKE MOVES! MAKE CHANGES! A month from now you will be glad you did it and it will make it easier for you to get what you want in the future.

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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.

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Good luck with your future changes and hope these money saving tricks can come in handy! 🙂