Ok, so maybe I won't post every day. Anyways, I'm back to post about my family's progress toward the zero spending goal. So far it's going very well. I don't have any non-essential spending to report. We did end up doing a rather large grocery shopping on Saturday at the club store we belong to, but that being said we stayed focus on buying only essential ingredients and avoided snack food and beverages.
Day 4: The homework for day 4 was, "plan a meal swap" with the main focus being to cook in bulk. We don't really have anyone locally that we can practically do this with, so we opted to not participate in the swap but definitely did take on the recommendation of cooking in bulk. We've done this before and we're always glad we did. It's also one of the reasons we went to the club store. on Day 4. We stocked up on large quantities of meat and produce which facilitated the created of several portions of Potato Leek Soup, Shepherd's Pie and Pot Roast with fixings. What I liked best was that last night instead of rushing through making dinner I was able to come home, pop the pre-made Shepherd's Pie into the oven and then enjoy a game of Candy Land with my daughter. Not to mention there was far less clean-up after dinner.
Day 5: Day 5 was "eat out at home" day. We haven't done this yet, but I definitely plan on trying the home made Frapucinos!
Day 6: Day 6 was "get a free education" day. This goes back to my #1 money saving tip - "instead of buying something, do something. Personally, I'm working on building my skills on the two musical instruments I play. I'm also taking some time to brush up on my industry knowledge using the free classes available on Coursera. My husband will be back out in the woods hunting next week. Whatever it is, whether the re-invigoration of a once favored pass time or taking up something new by not wasting our days shopping we will find that we have much more time to build more fruitful skills.
Day 7: Day 7 is for "Week 1 Reflection". So far it's going really well. Personally, I'm not a big shopper to begin with. I loath shopping actually, but there are still silly little ways we all waste money even if we're not mall dwellers. I think for my family the biggest realization was that we have to do a better job meal planning, and also to stay away from the coffee shops. We love our mochas, but not enough for them to be a line item on our budget.
The next two days are all about cleaning the house. While I appreciate the gesture, the author of the blog hosting this clearly does not work a 9-5 like I do. Hauling out the house in the middle of the week doesn't exactly fit my lifestyle. So, I'm going to work that in where it works best for me. My husband and I actually did a pretty big cleaning a couple of weeks ago, so I might come up with some alternatives for the next couple of days. Stay tuned!
Be Well,
- Nicole
Showing posts with label prosperity. Show all posts
Showing posts with label prosperity. Show all posts
Tuesday, October 7, 2014
Tuesday, August 26, 2014
Embracing Autumn; The Other "New Year"
There is something about the cooler weather and shorter days of late August that never ceases in offering me a sense of pleasant anticipation. For me, the feeling of fall brings with it a sense of "returning to normal". I know that my perspective does not apply to everyone, but I know there are others out there who can relate to what I'm saying here. While I love the summer with it's warm weather, cook-outs, camp-outs and swimming, the hectic frenzy of weddings, family reunions and late nights celebrated in a haze of humidity can also be very draining. By this time of year I'm ready for a change in pace.
More than any other time of the year, fall has always presented as my best time for renewal. Maybe it's my introverted nature or years of being habituated by the rhythm of the school calendar. Perhaps it's the fatigue that comes from the sense of urgency created by the short New England summer to cram in as much fun as possible. Whatever it is, the sense of everything slowing down offers me the best opportunity to reexamine and re-energize.
Items to consider...
Intellectual Development - With the coming school year we are all inundated by the marketing messages of, "back to school." Regardless of whether or not we ourselves are students, or parents of one, this is a good time to think about where we're at with our own intellectual development. I use the term intellectual development instead of "education" because I think when we hear the word "education" we are apt to think of classes and textbooks. While taking a class is certainly part of this, it's not the only means of working our minds.
On a professional level we may work in a field that requires continuous education in which case we may be meeting this need by happenstance. For others we may not have this requirement and may need to make more of a personal effort to gain additional expertise in our profession. If your line of work does not require specific continuing education requirements, see what's available for literature, quality web content and conferences to help keep you up to speed in your field.
On a personal level, exploring areas such as our own spirituality, hobbies and interests are other avenues where we can experience intellectual development. It could be as simple as reading the biography of someone we admire, or as in depth as attending a retreat or going back to school.
Why is this important? - If we don't occasionally look outside of our own world we can become very self-centered. Before we know it we don't see past our own little world of self, children, spouse, job and all of the little in's and out's of our daily lives. By taking some time to learn something new we make connections with the world around us and are better able to balance our own sense of being with that of others.
Housekeeping - Nothing bogs us down practically and spiritually more than unnecessary clutter. It's time to get organized! There are few things in life that offer as much instant gratification as cleaning out a closet or cluttered desk. Yet we will always tend to put these sorts of things off if we don't set aside the time to deal with them.
If your not sure where to begin the best first step is often going room by room and seeing what can simply be tossed or donated. Closets and basements are usually the best places to start. From there it's a matter of going from space to space to sort out what goes where. The goal should be for everything to have it's own place and to avoid just sticking things in random places. If you need supplies to assist with storage and organization discount stores like Big Lots can be a great place to obtain containers and shelves. there are also TONS of great blogs solely dedicated to home organization.
Finances - As an extension of housekeeping, examining our finances using the "Prosperity Check" is a must this time of year. The stretch between summer vacation and the holidays is a great time to sit down and see where we're at financially. It's also a good time to plan a budget and savings plan for Christmas shopping, holiday parties and other year end obligations so we're not having to do financial gymnastics at the last minute to cover these expenses if we choose them.
Our Health - With access to fresh produce at it's peak and cooler temperatures prevailing, the fall is an ideal time to take a look at our diet and fitness habits. While I'm not a health and fitness expert I do feel confidant in saying that whatever approach we take it should be moderate and sustainable. Avoid fad diets, harsh cleanses and quick fixes. Sending yourself on a physical roller-coaster will inevitability be felt mentally as well and in the end will only prove to do more to move us away from our goals than toward them.
We also need to consider our mental health as well. What's working? What's not working? Are we taking time to decompress throughout the day, or are we frenetically bouncing from one task to the next? Are we embracing our spiritual practice or pushing it aside? There is nothing like a cool, rainy fall day to take some time for prayer and/or meditation.
Make Your Plan - Whether we choose to focus on one of these things, all of these things, or subjects not even covered here the most important point to all of this is that we're checking in with ourselves to make sure we're on track toward personal growth and that we're not holding ourselves back with procrastination and excuses.
Be Well,
Nicole
More than any other time of the year, fall has always presented as my best time for renewal. Maybe it's my introverted nature or years of being habituated by the rhythm of the school calendar. Perhaps it's the fatigue that comes from the sense of urgency created by the short New England summer to cram in as much fun as possible. Whatever it is, the sense of everything slowing down offers me the best opportunity to reexamine and re-energize.
Items to consider...
Intellectual Development - With the coming school year we are all inundated by the marketing messages of, "back to school." Regardless of whether or not we ourselves are students, or parents of one, this is a good time to think about where we're at with our own intellectual development. I use the term intellectual development instead of "education" because I think when we hear the word "education" we are apt to think of classes and textbooks. While taking a class is certainly part of this, it's not the only means of working our minds.
On a professional level we may work in a field that requires continuous education in which case we may be meeting this need by happenstance. For others we may not have this requirement and may need to make more of a personal effort to gain additional expertise in our profession. If your line of work does not require specific continuing education requirements, see what's available for literature, quality web content and conferences to help keep you up to speed in your field.
On a personal level, exploring areas such as our own spirituality, hobbies and interests are other avenues where we can experience intellectual development. It could be as simple as reading the biography of someone we admire, or as in depth as attending a retreat or going back to school.
Why is this important? - If we don't occasionally look outside of our own world we can become very self-centered. Before we know it we don't see past our own little world of self, children, spouse, job and all of the little in's and out's of our daily lives. By taking some time to learn something new we make connections with the world around us and are better able to balance our own sense of being with that of others.
Housekeeping - Nothing bogs us down practically and spiritually more than unnecessary clutter. It's time to get organized! There are few things in life that offer as much instant gratification as cleaning out a closet or cluttered desk. Yet we will always tend to put these sorts of things off if we don't set aside the time to deal with them.
If your not sure where to begin the best first step is often going room by room and seeing what can simply be tossed or donated. Closets and basements are usually the best places to start. From there it's a matter of going from space to space to sort out what goes where. The goal should be for everything to have it's own place and to avoid just sticking things in random places. If you need supplies to assist with storage and organization discount stores like Big Lots can be a great place to obtain containers and shelves. there are also TONS of great blogs solely dedicated to home organization.
Finances - As an extension of housekeeping, examining our finances using the "Prosperity Check" is a must this time of year. The stretch between summer vacation and the holidays is a great time to sit down and see where we're at financially. It's also a good time to plan a budget and savings plan for Christmas shopping, holiday parties and other year end obligations so we're not having to do financial gymnastics at the last minute to cover these expenses if we choose them.
Our Health - With access to fresh produce at it's peak and cooler temperatures prevailing, the fall is an ideal time to take a look at our diet and fitness habits. While I'm not a health and fitness expert I do feel confidant in saying that whatever approach we take it should be moderate and sustainable. Avoid fad diets, harsh cleanses and quick fixes. Sending yourself on a physical roller-coaster will inevitability be felt mentally as well and in the end will only prove to do more to move us away from our goals than toward them.
We also need to consider our mental health as well. What's working? What's not working? Are we taking time to decompress throughout the day, or are we frenetically bouncing from one task to the next? Are we embracing our spiritual practice or pushing it aside? There is nothing like a cool, rainy fall day to take some time for prayer and/or meditation.
Make Your Plan - Whether we choose to focus on one of these things, all of these things, or subjects not even covered here the most important point to all of this is that we're checking in with ourselves to make sure we're on track toward personal growth and that we're not holding ourselves back with procrastination and excuses.
Be Well,
Nicole
Wednesday, July 16, 2014
The Mystery of the Boomerang Generation
I am a young 30 something, right on the cusp of the millennial generation.What makes a Gen Y person like me different than a Millennial? I remember life before cell phones and computers. I grew up with a television the size of an oven. We had rotary phones, enormous sedans, and permed hair. I well remember the Gulf War and when Russians were the default bad guys in action films. The Clinton years, grunge and MTV were the hallmarks of my youth. Then something changed.
No this isn't going to be yet another writing about the worthlessness of "kids these days." There are a lot of things that I think Millennials do better than those of us who came before them. They demand tolerance and equality. They are largely very thoughtful and intelligent. They also have big dreams and reject conventional consumerism. While all of these traits are a breath of fresh air, they can also make for their own undoing.
A number of studies have shown that marriage is down, birth rates are down and the workforce is aging because so many young people are simply not participating in the "normal" passages of adulthood. In some respects I think it's great that young people are carving out their own definitions of what their lives should be like rather than just adhering to societal norms. At the same time, there has to be some balance and an understanding that not every aspect of life is going to be a profound experience.
Sometimes we all have to work the job we don't like or take the boring general education class. These days when so much of our lives are customizable it can be easy to forget that sometimes you just have to do what you have to do. Unfortunately for these "boomerang" kids, they don't appear to see that as an option. There is a mentality of, "I went to college for X, so I am only going to do X." Especially in cases of non-traditional or arts based majors it seems that no one ever explained to them that they might need to get creative, or work a day job for a while.
It's not that I'm trying to bash these folks, nor do I look down on them. Some of these individuals are people I know and love. They're well intended, but they're beating themselves up and gradually giving up on their dreams because their expectations are just way too high in regards to where they expect to be in the short term.
So, what's the solution? There is no real system that can be applied to existential crises such as this. What I have found when people like this open up to me is that they tend to respond well if they understand that in various ways we've all been there. We all hate our jobs sometimes, wish we lived in a different area or feel like our lives are just simply boring. It doesn't make us failures or mean we sold out. We just recognize that our lives move through cycles and hiding out in our childhood bedrooms is not a solution. Sometimes we're doing exciting things and sometimes we're not.
The bottom line is that life moves in cycles. Despite what the internet culture has lead us to be conditioned to, we can't always have what we want, when we want. We have to learn to embrace the process of reaching our goals and celebrate not only achieving what we want, but the also small accomplishments along the way.
Friday, April 11, 2014
Wealth Shame
How do you feel about people with money? I'm not talking celebrities, but people that you know who are doing really well, drive nice cars, have nice houses, own the latest technology, etc. Do you feel like they're greedy? Do you figure that they must be workaholics and neglect their families? Do you assume they must be taking advantage of people, or that they must be doing something unethical for them to have the lifestyle that they have?
Some might call this jealousy, but I see it more as a feeling of shame. There are several possible sources of this. This seems to happen a lot to those of us who grew up in more low to middle income, blue collar families. There is a part of us that might feel we are snubbing how we grew up if we desire a different lifestyle. Maybe your parents were laid off frequently or unfairly denied bonuses or promotions. Perhaps someone you care about got caught up in a scam or was taken advantage of in some monetary way. Or, maybe your grandparents lost a sizable portion of their retirement savings in the stock market.
If these types of experiences are what we're familiar with, people with money will often feel to us like predators. We may also find that even if we are able to overcome these feelings and events, that our loved ones may not be. They may accuse us of being materialistic or workaholics when we strive for or obtain more wealth.
It's important that we then understand that if our loved ones do struggle with this, it is not about us. They have likely been hurt or feel discouraged with their own circumstances. In these cases when these conversations come up, it's best if we try to be sympathetic and not argumentative. We should try to avoid defending ourselves and instead redirect the conversation in a positive light.
For example, if we mention to someone that we're going on a vacation or buying something nice and they make a comment along the lines of "must be nice" a good response would be to acknowledge what went into earning that vacation. We could reply with something like "yes, I've been saving for months" and then try to change the subject. It communicates that we're not ashamed of our success and that it wasn't handed to us.
We should also be mindful to gauge our audience and to consider if we might be doing too much bragging. We deserve to freely celebrate our accomplishments, but if we're always rubbing our awesomeness in the faces of others (especially those who are in unfortunate circumstances) our behavior can come off as conceited rather than joyful. It's all about finding that balance between embracing our success while also remembering that there are those who are not so fortunate.
It's important that we then understand that if our loved ones do struggle with this, it is not about us. They have likely been hurt or feel discouraged with their own circumstances. In these cases when these conversations come up, it's best if we try to be sympathetic and not argumentative. We should try to avoid defending ourselves and instead redirect the conversation in a positive light.
For example, if we mention to someone that we're going on a vacation or buying something nice and they make a comment along the lines of "must be nice" a good response would be to acknowledge what went into earning that vacation. We could reply with something like "yes, I've been saving for months" and then try to change the subject. It communicates that we're not ashamed of our success and that it wasn't handed to us.
We should also be mindful to gauge our audience and to consider if we might be doing too much bragging. We deserve to freely celebrate our accomplishments, but if we're always rubbing our awesomeness in the faces of others (especially those who are in unfortunate circumstances) our behavior can come off as conceited rather than joyful. It's all about finding that balance between embracing our success while also remembering that there are those who are not so fortunate.
Another situation we might find is that if we tend to be empathetic, we may have a difficult time enjoying our success if we know others are suffering. We end up seeing wealth as a shameful thing because we view prosperity through the lens of "someone had to lose out for me to gain". We're constantly hearing horrible stories of poor working conditions, child labor, industrial accidents, famine and drought. It's understandable that we have these feelings when we consider all the ways in which people are exploited for others to have monetary gain.
First and foremost we have to have a reasonable acceptance for the things we can not control. Whether or not an individual purchases a particular item is not going to change a society or a company. This doesn't mean we should disregard our ideals, just that we need to keep perspective about our role and impact in the larger economy.
With that in mind we should consider how being in a more financially secure position can allow us to advocate for the causes that interest us the most. The most important votes we make are often those which we cast with our dollar. The economy works on the basic principal of supply and demand. The more individuals demand ethically produced goods, the more they will be produced. However, the goods which are the most ethically made are often times some of the most expensive. Being in a better financial position allows us to support the companies with the best practices.
Also consider how it would feel the next time a friend is in a bind, a natural disaster occurs or your favorite charity is looking for a donation. Instead of sighing and having to turn away, wouldn't it be great to make that gift or donation? Being in a good financial position can be very empowering in this way when we understand the positive impact we can have on other people's lives and that having wealth is not all about taking.
Overall, when we find ourselves making judgments about those who are wealthy it becomes very difficult for us to allow ourselves to be prosperous. When there is this part of us that disapproves there will also be a part of us that's always going to resist obtaining wealth, because we see it as a negative character trait. We don't believe that we can ever have with those people have because we assume that they're doing something negative to obtain what they have. We throw our money away on the presumption that you can never have what they have because we would never do whatever horrible thing it is that we presume they've done to obtain their wealth.
This may also be reflected in our career. We might keep our standards low because we think that being an executive or entrepreneur is not a realistic goal for people "like us." We might stay in jobs we don't like for too long because we think we should learn to just be happy with where we're at. We hold ourselves back unnecessarily when we limit our vision for ourselves.
The bottom line is we have to remember we are not abandoning our friends and loved ones simply because we desire or obtain wealth. It's a fact of life that some people do well financially and others do not. As long as we are humble and generous there is no reason for shame.
Be Well!
- Nicole
This may also be reflected in our career. We might keep our standards low because we think that being an executive or entrepreneur is not a realistic goal for people "like us." We might stay in jobs we don't like for too long because we think we should learn to just be happy with where we're at. We hold ourselves back unnecessarily when we limit our vision for ourselves.
The bottom line is we have to remember we are not abandoning our friends and loved ones simply because we desire or obtain wealth. It's a fact of life that some people do well financially and others do not. As long as we are humble and generous there is no reason for shame.
Be Well!
- Nicole
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