Top Notch Bank

fashion + finance

Month: February, 2016

2. Thou Shalt NOT

large.jpg

go to brunch two times in one weekend. you’re not rich, don’t act like it!

apologies to my sunday brunch date for canceling on a whim. xoxo

Advertisements

1. Thou Shalt NOT

o-ONLINE-SHOPPING-facebook.jpg

online shopping during conference calls…NO MATTER how boring they are! i see you, stop!

Dreams Do Come True

Converter.JPG

after extensive research i have finally found a reliable recipe converter!! gone are the days of cooking for an invisible family of 5. cheers to recipes for 1 (max 2)!

okay, i’ll stop geeking out. visit my kitchen calculator if you are sick of leftovers!

Let’s Get Social

FullSizeRender.jpg

i joined insta! i have 6 followers and i’m pretty sure they are all bots. follow meeee! @topnotchbank

AHA! Moment

b428a35243896da3c1e7ac283d3fc8c8.jpg

I’ve recently had an epiphany: People are scared of their debt not necessarily because of how much they owe or the task of paying it off, but because once you finally start the process of becoming debt free, a whole slew of issues surface.

In other words, the path to becoming debt free is the same path one takes to self actualization.

For example, it has taken me over THREE years to finally sit myself down and really analyze my way of living/lifestyle. It’s taken me over three years to really sit down and say “okay, i’m in debt and that’s okay but I have to change.” Let’s get real, everyone hates change! Being comfortable and lazy is soooo much easier. it wasn’t until I really sat and looked at my credit cards, checked out my APRs (let’s get real, found out what an APR is) and thought “holy S#$T, I could be buying a purse with all this interest” that it really dawned on me…

That AHA! Moment happened in October 2015. Since then, lots of issues and bad habits have surfaced. They have included: being registered to every and any of my favorite store websites for sale notifications; realizing i am addicted to eating out/ordering in; being victim of a nasty cycle of: paying off a card –> going on a shopping spree –> getting overwhelmed –> shopping some more –> overeating –> hiding from my cards –> getting control…and repeat; caring too much about what others think; doing what others want vs. what i want.

You get it, things that you wanted to hide from surface when you are really asking yourself “why am i in debt?” Which is the first step in becoming debt free. It’s a scary question that brings out your faults (eek!). But guess what?! These faults can be turned around and changed into strengths. Something you CAN take control of. Take a deep breathe and realize you are not alone. There is NOTHING to be ashamed about. There is light at the end of the tunnel. You are one step closer to a debt free life and therefore self actualization!

UPDATE

update on the major life decision of “do i really need this bag”

i opted against buying the bag! i haven’t felt this successful since i graduated college…SIX YEARS AGO! woohoo, adulting, ftw!

sidenote: i’m typing this while i eat a $13 salad…you win some, you lose some? debt diet? TGIF!

Temptation Island

Temptation.JPG

it all start with one click. that turns into scrolling through mass amounts of sale items to find the one that you’re like do iiiii really need this?

Temptation Island.JPG

and it’s like almost 300 dollars off!!! how can i not buy it?! it’s a steal.

should i? idk…ahhh HELP

story.of.my.life.

Reality Check: Twentysomething

Clueless.JPG

this buzzfeed article pretty much sums up what it’s like to be a twentysomething…especially point 1, make it rain…in bills!

Transformation Tuesday

Debt Diet.jpg

it’s Fat Tuesday…splurge a little.

(i have an excuse to spend money…on anything and everything, sigh)

courtesy of betches

Monday Morning Got Me Like

large.jpg

why did i spend so much this weekend?!