Top Notch Bank

fashion + finance

Tag: Happiness

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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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

Missing In Action

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in denial that i’ve had a shopaholic relapse.

Wednesday Wisdom

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let’s go.

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!

Words To Live By

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remember.

 

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.

 

AHA! Moment

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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!

Tuesday Vibes

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onward.