Month: December 2016

A Vision of 2017

Happy (almost) New Years Eve! It’s that time of year again where we turn our eyes to the upcoming year and envision ourselves anew. I’ve never been one for hard and fast resolutions. Instead, for the past few years I’ve been making myself vision boards so I can work hard for my future self. Each board tackles the three areas of my life I care about the most: my health, my wealth, and my happiness. Here’s 2017 in all its glory: Health Drink Water: Pretty straightforward! I just want to up my water intake (and reduce my spending on soda, coffee, and other beverages). Cook Everyday: This is a commitment my husband and I have decided to make together. Last year we spent thousands on going out to eat at restaurants. In 2017 we see ourselves spending more and more time in our newly remodeled kitchen. Doing so will help us save, will help us spend more time together and may help us lose a few pounds. Bodyweight Fit: I want to sprinkle in some strength …

Your Three Selves: Past, Present, and Future

One of the things that is so important when you’re trying to make huge changes in your life (weight loss, money goals, etc) – is this… You have to be able to forgive your past self for its mistakes and put in the work for your future self with clarity. Tweet This We are all plagued by voices telling us ‘we failed before, so why would now be any different?’ With reflection, you can come to understand that your past doesn’t have to define your future and that you are, in this very moment, completely in control of what your future will look like.  Forgive Your Past Self More than likely, you’ve made a boatload of cringe worthy mistakes along the way to now. Moments that still stop you in your tracks and make you grimace 10 years later. I can certainly think of a few money mistakes… I purchased a $440 pair of Frye boots on impulse only to spend the next 20 minutes running around frantically to other departments trying to find someone who would …

The Necessary Nature of Trade-Offs in Personal Finance

After November’s mediocre showing, I’ve been reflecting on my actions over the past month. It’s clear that I was overzealous in my first debt payment, and in doing so I had to rely on my credit card to cover other expenses, which only succeeded in putting me in another bad spot. What I was lacking was the mindfulness of the full picture of my finances and I was failing to create space between impulse and payment. I wasn’t asking myself the right questions or taking the time to make sure the math checks out. I gave in to the excitement and adrenaline rush of paying off a huge amount of debt without considering if it was the ‘right’ choice for that time. Lesson learned. Everyday we’re faced with making decisions. We ask ourselves things like: Should I do X? Should I buy Y? Should I get rid of Z? But I believe what we should be asking ourselves are things like: Would I rather do X, or would I rather do Y? Should I buy …