Top Notch Bank

fashion + finance

Tag: Spending

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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What is Holding YOU Back?

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personal list:

  • that little voice in the back of my head saying “you can’t reach financial success”
  • FOMO
  • impulse buys
  • saying yes to dinner out during the week because i’m lonely/bored/etc.

after a lot (and seriously, i mean a lot because my last real post was in july) of planning here is my game plan:

  • that little voice, squash it
    • carry a journal everywhere (how cute are mine pictured above from rifle paper). write down every purchase and create a log. include “how did it make me feel” feedback. writing down purchases holds me accountable and helps curb impulse buys
  • review expenses weekly (sunday) and cut out things that do not ignite my soul. this will also help end FOMO
  • before agreeing on something reflect and ask myself: “do i even want to do this?”
  • on sunday (let’s just dub this reflection day) create weekly goals. include food, workout and game plan for the week

will regroup next week to let you know how week 1 goes. wish me luck!

ps: i haven’t written on her since july because i’m partially ashamed that i’m not debt free yet. i have recently had an epiphany: a life with debt is not one to be embarrassed about. it’s a day to day journey and one day (soon) my net worth will be a positive number rather than a negative one. 

WORD

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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.

Life’s A B*tch

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just.my.luck.

Positive Vibes

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no room for monday blues.

Tax Break

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our spending culture is getting out of control…ignore this subject line and pay off your credit card. #trustme

Monday Blues

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i spent how much on drinks this weekend?!

Slowly But Surely

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debt free takes time, don’t give up.