Top Notch Bank

fashion + finance

Tag: smile

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.

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!

New Year Resolutions

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Yes, it’s November 3, 2015. However there is no time to snooze on your resolutions according to this: article that discusses the importance of creating and starting New Year resolutions EIGHT weeks before January 1st. While this sounds absurd, it actually makes a lot of sense. Think about it, by the time NYE roles around your resolution will be a full-blown habit!! Rather than starting a habit with the masses, you get a head start. GENIUS! Therefore I presented to you my 2016 New Year Resolutions:

Finance

  1. Create: weekly budget – record and account for every expense
  2. Save: receipts – learn where my money goes
  3. Create: 2nd income source – etsy page (make money off of passion)
  4. Stop: mindless shopping – spend money that I have (not will have)
  5. Accept: credit card debt – stop being embarrassed

Personal/Life

  1. Daily walk (at least 30 minutes)
  2. Ban social media after 9pm
  3. Pre-plan meals on Saturday (shop on Sunday)
  4. Do not eat out more than 2 times per week
  5. Blog at least once a week
  6. Plan girls trip – save for trip
  7. No alcohol: Monday – Thursday
  8. Implement meatless Monday’s
  9. Delete negative thoughts regarding money (debt does not equal worth)
  10. Journal daily: be grateful

What are your resolutions?

xx, A