Top Notch Bank

fashion + finance

Tag: beautiful

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.

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

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

Life’s A B*tch

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just.my.luck.

Preach

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don’t forget.

March Goals

Miami Weather

March, one of my favorite months out of the year. Why? Well when you live in South Florida it means gorgeous weather in perfect temps (high 70s) and relatively low humidity. Add that to time springing forward (hello longer days/more sunshine) and you’ve got a win win situation.

Spring’s arrival brings the perfect platform to do some cleaning, both physically and fiscally. Below are some of my top priorities for March:

  1. Reading: As an avid bookworm, my kindle is jammed with books I’ve downloaded but have never gotten around to. I am making it a point to read all these forgotten souls.
    • Goal: Do not spend extra money on books.
    • Read: 11/22/63, Blink, An Abundance of Katherine’s, Adventures of your Soul
  2. Food: Cooking is slowly becoming one of my favorite passions. However, I still get newbie anxiety with certain dishes (such as fish) and tend to stick to the same boring dishes I already know (pasta, zoodles, chicken).
    • Goal: Do not spend money on takeout/anything with a delivery fee. Try new recipes.
    • Try: Honey-ginger grilled salmon, cauliflower rice, gluten free banana bread, meatless Mondays
  3. Fitness: Avoid being tempted to spend extra money on Pilates and cycling classes.
    • Goal: Speed walk at least two times a week. Continue yoga, bootcamp, barre routine.
    • Try: Running without stopping for 10 minutes (i.e.: 1 mile)
  4. Budget: I spent part of my leap day meeting with a financial adviser at Charles Schwab. She was so helpful and offered to much insight regarding my debt situation.
    • Goal: Pay off Capital One and Citicard credit cards ($2,728.00). Stop using credit cards, focus on using money I have (debit cards).
    • Try: Freezing my credit cards…literally. This way if an emergency comes up, I have enough time to think things through while my cards defrost; Snowball effect.
  5. Shopping
    1. Goal: Store any coats, jackets, nice dresses to clear up space in my closet.
    2. Try: Shop inside my closet.

 

Throwback Thursday

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2007, the year i got my first credit card.