Saying Goodbye is Bittersweet

Growth

We all seek it, we all want it. Growth in our money, in our knowledge, in our skills, and in our homes. There’s some that is not wanted, granted, but growth usually indicates bigger, and we always want bigger and better.

Paying Debt.

This weekend, I paid $1,350 towards my debts. I used up two gift cards that I had been carrying around, and ended up spending $126 at Walmart (hubby’s work boots had serious holes where I could tell you what colour his socks were), and other things for the house – dog treats, cat litter, women-y things, etc. I also spent $146 online at my favourite store, and ordered 5-6 dress shirts for work, with the premise that anything that I do not love will go back. Everything was on sale, plus free shipping. Can’t go wrong there, since I dress  business/business-casual for work every day.

Spending time with family.

This afternoon, I visited with my elderly grandparents. It’s tough when one of them looks at you like you are a stranger, and says she doesn’t recognize you. She’s not diagnosed as anything yet. My first reaction was to be angry – this woman has known me for years, and now not? But then I got scared, wondering if this was the end, if I would have to come to terms that my grandparents will not be there forever. I know, I am pretty fortunate that I have grandparents who are still alive – they are close to 90.

With any luck and self care, I might live nearly that long myself.

Financial Independence.

AND… that means I need to focus on financial independence. MORE.  I made some calculations and figured out that I could purchase a house in a couple years, but affordability would only be if I could find one that had a suite in the basement. If I rented out the basement, then that would pay for the extra costs of the mortgage from where I am now. Instead of investing just my money, why not use others’ as well?

I was looking online for places that were already duplexed, and there’s some options. So now I just need to focus on paying off debts and getting the down payment together.

Keeping my money in my pocket.

Lastly, I went bank shopping over the last week. I calculated that I pay $191.40/year in bank fees. I make no interest on the funds in that account. WHY am I paying that? So I am looking into changing bank accounts for one that will not charge me for having my money in their accounts. Sorry, TD, but I think I need to say goodbye.

I went into the banks on Friday, and asked them what they were doing for those who wanted a no fee account. She told me that I could leave a balance in there of $4,000.00. Um, if I had that, I wouldn’t be in this situation, and I wouldn’t leave it there to sit. So that’s not an option for me right now. Too bad, after 20 years, they have no interest in client retention. *sigh*

I am also looking for ways to make more money, of course. I need to look into how to freelance – anyone have any suggestions on how to get started? 🙂  

Mini Cook-out on Saturday night
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Decisions I’ve made

Decisions, decisions.

So I’ve been giving this blog a lot of thought, and I have decided to streamline things. 
I want to build a side hustle around being able to support people in their sales goals, and I know I have at least a hundred different ways to do it (I have a list), but I think I want it to be separate from here. This is going to be about my life, and the things that I learn as I seek out different venues of how to be the most authentic me. 
 
2018 is going to be a big change for me. I can see it already. 
INSPIRATION
My plans: 
  • Pay off debts (more details on this later)
  • Look into investments – and make a plan for that 
  • Go away on vacation to somewhere absolutely new to me 
  • Build some kind of side hustle/extra income 
  • Self-publish either my 90 day sales planner OR finally create my own planner 
  • Make more than $55,000.00 (CAN) in 2018. 
It’s all do-able and I am going to use all of you to make me accountable. I can tell you the nitty gritties and what works and what doesn’t. I am hoping to learn more from others. 
 
Lately, my attention has been on “Paula Pant and J-Money” podcasts, and I have learned so much in just a few hours. Namely one thing – real estate is sooo much cheaper in the States! So that means I need to learn what works here. I have a pretty good idea, as I have done it all before, but this time it is intentional, and my goal is….. 
 
FINANCIAL INDEPENDENCE 
 
Yes, folks, today I learned I care. I want to have something in place where I do not have to work at a 9-5 if I do not want to. If Paula Pant can do it in minimal time, why can’t I? 
 
Debts will be paid. Changes will be made. And it starts now. 

 

This post may contain affiliate links, meaning, at no additional cost to you, I may earn a small commission if you choose to purchase through these links. Please see my disclosure for more information. Amazon Affiliate Disclosure: I am a participant in the Amazon Associates Program, an affiliate advertising program designed to provide a means for me to earn fees by providing links to Amazon.ca and affiliated sites. 

Abundance

ABUNDANCE WITH BADASSERY

Last week I started listening to Jen Sincero’s YOU ARE A BADASS AT MAKING MONEY while I was driving to my day job. I starting thinking more and more about the Law of Attraction. I thought her book was encouraging, and was like a little crew of cheerleaders in my ear every morning. Who loves money? I love money. Money loves me. and all that good stuff. (Give it a shot before pooh-poohing it.) 

If nothing else, her book made me think. I thought about how I saw the universe and its layers of life when I was a teenager (a theory that was thought up myself – that in itself was creepy, as there was no influence from others that lead me to think that way) and how I used to escape from the world by sitting in the dark and “meditating”… back then, I was speaking to the “universe” and all things out there, asking for the things I wanted. And even though I didn’t receive a car, or a winning lottery ticket, I do remember having amazing luck, and getting a lot of what I desired. I thought I worked hard, had a horseshoe up my arse, and that was the way the world was. Years go by, and I land on my feet time and time again, restarting my life, and never looking back for a handout. I thought, again, that it had more to do with luck than anything else. 
 

And then I read this book. 

I haven’t done the exercises yet – I will, and I will talk about this later. But I realized that all of what had happened over the first three decades of my life, or at least the last twenty years, was much of the law of attraction, not luck or being in the right place at the right time. Once upon a time, I was much more in-tune with the universe, and I had no idea what that meant, or how to do it. Now, you see it everywhere, and I am less in-tune than ever. 

One day I will go into more detail about the decade I lost to a psychopath ex-roomie, but in the meantime, I want to focus on reconnecting with the world, taking time to establish the specifics of what I want, or like people now seem to say, establishing what I already have and will receive.

I want to know – did you read this book? Did you like it? Agree with it? What were your thoughts?

I am on reading #2 of the book, and this time, I will be taking note of the exercises and the mantras that she says will help me reconnect with life.

In the last week, one could say that I have “attracted” a free bag of licorice (thanks, Dawn), a box of chocolates from a grateful client, enough donations for my CIBC Run for the Cure  entry (please donate or sponsor me if you can – every dollar helps), a free play lottery ticket, oranges gifted to me, and more. While it’s not specifically money, I am grateful for the universe gifting me things that save me money and for supporting others through me. I am working hard at redirecting more my way, so that I can share with others, and I want to know what works for you. 

Abundance
This post may contain affiliate links, meaning, at no additional cost to you, I may earn a small commission if you choose to purchase through these links. Please see my disclosure for more information. Amazon Affiliate Disclosure: I am a participant in the Amazon Associates Program, an affiliate advertising program designed to provide a means for me to earn fees by providing links to Amazon.ca and affiliated sites.