Top Notch Bank

fashion + finance

Days of Our Lives

Fear – a word, feeling, emotion that i am very acquainted with. for some reason, it’s the word that pops up in my head when i think of TNB and the path I see this journey taking. thoughts like: “you’re not smart enough” “you’re not even a finance major what makes you think you can give advice on the subject matter” “you suck at grammar, how will you even write cohesively” are repeated over and over and over again, on a constant loop of insecurity.

And yet here i am…drawn to a subject matter that tbh i think NEEDS to be discussed and addressed in a different way. because personal finance is scary. it terrifies me. i literally hold my breathe every time i log on to check my bank account…i can’t be alone, right? RIGHT?

In a society where we are programmed to “keep up with the jonses” who tbh were replaced by the kardashians, told constantly that we “missing out” if we don’t travel the world and are made to feel worthless if we don’t have the latest bag….i sometimes feel alone. a feeling only heightened but the “picture perfect” social media lives of others. i feel like i’m the only idiot that does’t understand the secret behind being able to live this lifestyle.

I haven’t done proper “market research” but i have a hunch i’m not alone. and if i am … and you keep reading this, then congrats, you’ll be in for a funny story of how a girl in her early thirties tried to get her finances together, learn how to invest and attempt to leave behind a life of fear…

This idea has been ten years in the making. that’s A LONG time…but sometimes it takes time to figure out that while life is short…it is also long. and in the long run tackling your fears head on is worth it.

x, a

days of our lives

 

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Oblivious 101

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perspective.

To Do List: Create (Healthy) Routines

april is one of my favorite months of the year because it means spring time which inadvertently means cleaning/editing and re-centering oneself with one’s goals for the year.

a big goal i had set up for 2017 is creating habits. however as i refocus and look back at the past couple of months i’ve realized the only habit i’ve developed is friday happy hour…this info graph that i found on pinterest caught my eye as it shows the importance of developing HEALTHY habits.

i know it’s been 4 months into the year and you might be discouraged if your goals/habits haven’t been in line…but spring is the perfect time to recenter and refocus. the best way i find to do this is by writing down specific goals. print out this info graph and jot down things that come to mind when reading through it.

time to get recentered and refocused…ready, set, go!

xo, a.

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Transformation Tuesday

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remember, your ego is your worst enemy. it will tell you things like “you can’t get out of debt” “you will never buy a house” or “you are not worthy of wealth” AND guess what, that’s just not true.

so how does one over come the ego? when insecurities creep in take a deep breathe, realize your ego is talking, start saying to yourself “this is not a reality, this is an insecurity” and mentally list things that are actually true.

this can include things such as “yes, i’m in debt RIGHT now but i’m taking steps to get out of it.”

you ARE worth it and you WILL be able to get out of debt if and only if you conquer your insecurities.

xo, a.

What is Holding YOU Back?

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personal list:

  • that little voice in the back of my head saying “you can’t reach financial success”
  • FOMO
  • impulse buys
  • saying yes to dinner out during the week because i’m lonely/bored/etc.

after a lot (and seriously, i mean a lot because my last real post was in july) of planning here is my game plan:

  • that little voice, squash it
    • carry a journal everywhere (how cute are mine pictured above from rifle paper). write down every purchase and create a log. include “how did it make me feel” feedback. writing down purchases holds me accountable and helps curb impulse buys
  • review expenses weekly (sunday) and cut out things that do not ignite my soul. this will also help end FOMO
  • before agreeing on something reflect and ask myself: “do i even want to do this?”
  • on sunday (let’s just dub this reflection day) create weekly goals. include food, workout and game plan for the week

will regroup next week to let you know how week 1 goes. wish me luck!

ps: i haven’t written on her since july because i’m partially ashamed that i’m not debt free yet. i have recently had an epiphany: a life with debt is not one to be embarrassed about. it’s a day to day journey and one day (soon) my net worth will be a positive number rather than a negative one. 

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Thoughts on Instagram and Bloggers

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instagram, by far my favorite form of social media out there…i’ve recently set up TNB on the platform and have followed a LOT of bloggers. word on the street is that this is how you “network” these days. anyways, i’ve observed A LOT over the past couple of weeks of ‘gramming…specifically the following:

apparently a lot of people are filthy rich and can just travel and shop 24/7, where does this money come from? do you work?

people eat out A LOT and yet they stay very thin, model like creatures, how?!

who is taking these photos of you?! seriously, you’re basically modeling in them. did you hire a photographer?

how much do you spend on flowers a week, they are beautiful displays in every photo you take. do you have a personal garden in your apt? house?

so you just ate ice cream and are now hitting the gym. did you get a stomach ache? did you really eat that ice cream?

why is your life so fabulous and i’m here living paycheck to paycheck? #SOS

if you find any answers to the above, can you please shoot me an email? inquiring minds would LOVE to know.

x, a

ps: follow me on instagram – topnotchbank

Make It Happen

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oh em gee, it’s july. the half way mark in the year.

it’s also my birthday month. so normally i take this time to reflect and regroup.

as i look back on my new year resolutions i laugh. they were so ambitious and unrealistic. as i turn twenty.eight. (eek) the sense of urgency to “get my shit together” is mounting. because let’s get real, being broke and thirty is not a good look.

aside from being debt free, twenty.eight. is going to be the year i start my passion project, aka my etsy shop. the shop will center around something i learned to make from my grandmother: tote bags.

i am so proud of myself, last night i cut the fabric, and started my sewing machine. only to find out that the thread i bought was too fragile for my machine! usually i take setbacks as “signs” but not this time. i instantly went on amazon prime and bought thread. i’ll report back later this week on how the project is going.

in the meantime, what is your passion project? i’d love to hear some of your hopes/dreams so please share with me: topnotchbank88@gmail.com.

WORD

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