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. 

3 Steps to being Happier and Healthier

Focus on You:
3 steps to being happier and healthier.

3 STEPS TO BEING HAPPIER & HEALTHIER

 

In my quest for learning more about bringing abundance, wealth and prosperity into my life, I have heard a few things that have really stuck with me. I wanted to share three of these with you, in hopes that they resonate with you, or maybe you have some to share with me. 

1. Focusing on world disasters made by man fuels the disasters. 

What on earth am I talking about?

Well, when you think of what you like or don’t like, want or don’t want, we create a vibration that the universe picks up, right? So, when we hear about crazy dude in that country/state/province/etc doing that thing, and we all talk about how crazy and scary and dumb it is, we are giving it energy. If there is no energy given, then it fades away.

This stuck with me. In concept, I agree. If there’s a tantrum and you give it no attention, usually it will cease. HOWEVER, while I understand that fueling the fire can make more people jump in and act irresponsibly, I am not sure that ignoring or disregarding bad deeds will make bad deeds go away. I wish it would. So, while this makes sense on some level, I am choosing to not talk about them, not think about them, and try to spread positive joy around the people that I interact with each day. Perhaps if we all tried that, we could start to reduce the actions of others that were caused in anger. 

That being said, I do not plan to make this community about social events, or rant about politics. I plan to embrace happy things, and remind myself that I can be the most effective when I am happy and healthy. 

2. Remove NOT, NO and DON’T 

I can credit The Secret and Michael Losier for this one. 

I am actively trying to remove NOT, NO and DON’T from my vocabulary. How? Change the answer. Say what DO you want?

“If you don’t change what you see, you will not see change.”
Change what you see, and you WILL see change. 

We say those words so easily that it’s hard to censor them first. While it will sound silly in the beginning, just stop, ask yourself what you do want, and rephrase. I believe it will help us know our desires easier, and it puts out into the universe a statement that can be relied on, and not misinterpreted. (Yes, I said it there.) 

The Secret says that the universe cannot decipher those words. 
“I do not want to be late.” (Be Late. Got it.) 
Whereas, if you say “I want to be on time.” 
There’s no way to misinterpret that. 

3. Manners ((under construction))

Those are three changes I am implementing in my life, and I have noticed a calming effect, and even that makes me happier. I believe it is all about changing what we see so that we can see change in ourselves. 

Who’s with me? 

happier

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.