For the majority of my life I had a negative mindset about money, making money and saving money. But I had no idea how to change it or that it was even wrong. I wanted money, that’s for sure. Money was the cause of most of my stress, but I just couldn’t seem to get a handle on it. I know I wasn’t alone. In fact, America has hit an all time high in credit card debt; around 1 trillion dollars of debt to be exact. How can something we think about so often, something we want so badly have this negative affect on us? The truth is, like most workings of our mind, we just have to change the way we think about it. Finally, I feel like I’m at point where I finally have a healthy money mindset and it is not at all what I imagined it to be. There are steps and understandings I had to take to finally get a grip on my out of control money habits. So let’s talk about creating a healthy money mindset.
Blogging for money was an idea I heard about many years ago and I just didn’t think it was “for me.” Yet, at the same time I continued on feeling like writing was going to play a huge part in my life. To me this meant I probably was supposed to write a book. So, I tried writing books. I tried writing a lot of them and wound up deleting them all. Nothing ever felt right. Then somehow, BAM, I just knew I had to start a blog. After we downsized our house I gave up my photography business, Tom’s job got crazy inconsistent and I knew I had to make something work where I could still homeschool our kids while also making money and setting my own hours. That’s not asking too much, right? Now, after 10 months of seriously hard work, I finally figured out how to do it, I figured our how to turn a blog into an extra income.
We’ve all seen them: those amazing articles about the families who ditched the traditional lifestyle in favor of experiences and life on the road. Whether it’s an RV or a tiny house, the message behind those articles is that downsizing can bring with it an almost ethereal bliss and, while there might be some “growing pains,” the family ends up stronger, happier, and more
Downsizing can seem crazy overwhelming, especially if you have a lot to do. So many people know they will have a huge weight lifted if they can just get past the clutter, but often never get started because the amount of things that need to be done seem impossible. As an expert declutter-er I have some great tips to help get you started. If you were hoping to have 2018 be your year of more freedom, it can be and it doesn’t have to be hard. Well, one funny thing is about downsizing your stuff is that downsizing other areas of your life actually help with the whole process. I’ve gotten together 18 practical ways to downsize and simplify in 2018 to help you start achieving your goals and feeling a little bit less cluttered.
I was absolutely terrible with our finances when I was in my teens and 20s. In fact, most of my Friday paychecks were blown at the Mall of America leaving me with little to nothing come Saturday. Not even gas money. What really bums me out is that I was making about $1,000 at the age of 16…and Holister, Abercrombie and Olive Garden got more of it than I did. I went into my 20s with great credit followed quickly by insane amounts of credit card debt. My mom did a great job of teaching me a lot about life and she showed me how to balance my checkbook. On top of that, thanks to my failing grades in math class, I was gifted the opportunity to take “consumer math” which taught me how to budget, save and do my taxes. (This all sounds great…I was in good hands right?) In that class they would have us find an apartment, plan our bills and then BAM! we’d get a flat tire and have to dig into our savings to pay for it. I remember thinking, “This is so annoying. They are just trying to make this hard on us.” –Uh, no sweetie…this is called life and since you’re a senior taking math classes with freshmen, they’re just hoping you can survive life after high school. Now, as a mom raising 3 children, I didn’t want this ignorance to rub off on my kids. When our oldest got her first job at the age of 16, I stepped in. Here are my tips for parents on teaching your teen to budget and save…so they don’t end up like me circa 2010.