Top Notch Bank

fashion + finance

Category: True Life

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.

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Ain’t No Sunshine

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on yesterdays brief post, i touched base on my shopping relapse…oops. on a positive note, the credit card i paid off a couple of months ago has NOT been used, phew. however, i’ve been over compensating by using other credit cards, oops.

set backs are a common occurrence in my life. i always seem to be very ambitious about something in the beginning and then things dissipate when i realize all the hard work that goes into getting results. prime examples include my debt and nutrition habits.

i have been yo yo-ing with both for years. they go through waves. these highs and lows have effected my confidence, result efforts and overall mental/physical health. it’s easy for me to say “i’ll get back on the horse” but the reality is i already map out my failures…yes, even when i’m in the process of writing and thinking about my new game plan.

i cam across a great article by Nikki Novo, that discusses thought patterns. she emphasized the power of regrouping. however, you can’t regroup without a healthy mindset and saying/believing/thinking “i believe” those two words are magic. so here goes to another start, another day 1.

i believe i can…

  • change my eating patterns
  • be less wasteful with my food
  • become a calligrapher
  • start my own business
  • find my passion and strive in this industry
  • change my negative thought patterns with regards to my body and finances
  • become debt free

step 1, complete. onto step 2…

xx,

A

Root Of All Evil

12313743_10102522509812098_8826507157156758556_n.jpgIf I had to chose one word to describe my early 20’s, insecure would be it. Graduating college, realizing money doesn’t grow on trees and learning that credit cards need to be paid off (and with interest too!?!) all fueled this feeling. By 23, the insecurity turned into extreme anxiety. How did I deal with this? By binge…eating and shopping. I opened up more credit cards, spent more and lived well above my means.

Running away from your problems is a funny thing. You keep running (in my case spending) and instead of reaching happiness, you are greeted with a null/empty feeling. So you think “well if i have this purse that will make me happy, and if i eat out at this restaurant that will make me feel lavish, and if i buy my friends free tickets to concerts they will like me.” But the fact is, it’s an endless circle of “will make me” this and that.

I paid off the first credit card I ever opened yesterday, $1,300. Never has “spending” money felt so good. But there is doubt and insecurity rooted in the back of my head. Yes, I’m attempting to ignore them but I keep thinking: “OMG I can’t believe I did this, Can I do this? F Yes I can, But can I? Oooohhh Gucci”

In our quest to be financial independent it is VITAL to shut insecurity down. Sounds easier said than done, right? Well not if you shift your mindset. You have to focus on temporary aspects, i.e.: this too shall pass. Do this by keeping an insecurity diary, write down every negative thought and then counteract it with a plan (goal diary). Take a bubble bath, meditate, go for a long run. Do anything that makes you relax (and is FREE!). You are worthy of taking control of your finances. Take one day at a time and soon your insecurity will turn into security!

The Struggle 

 
I can’t afford to live alone…but I don’t want a roommate. #thisistwentysix  

For The Record

blah.

if i don’t post for a month…it’s because i’ve back tracked and lost focus. aka spending irresponsibly. merr.

FAIL

Money

who knew that pinning budget advice and practicing budget advice weren’t the same thing?!

64 days ago I posted about “getting serious”…bah. what a joke. but then again what do you expect from a girl who started 2014 with $2.95 in her bank account**

the fact is that i’m an addict. i love spending money. cash comes in and i’ve already mentally spent it. it’s a vicious cycle of living paycheck to paycheck. i mean that’s how most people live their 20’s…right?

wrong. in order to ever be financially independent i’m going to have to break this cycle. and the sooner the better.

which brings me to the most important question of all…are you in for the ride?

xxxo, a.

**apparently someone had an amazing new years vacation in some spa in arizona with MY debit card…argh.**

The Intro

spenadholic

True life: I’m a spendaholic.

Money comes in, money goes out. constantly…

A never ending cycle of:

“Where did my cash go”

“I want it, but I can’t afford it”

“How do you even have the money to travel?”

“Just charge it!”

etc.etc.etc.

WELL not anymore.

Time for this fashion girl to get serious about her finances.

I invite you to join me in my journey to become money savvy and financially independent.

xx,

a.

True Life

closet

i’m broke…but at least i have cute clothes, right?