When I took my first steps into adulthood, there was a lot to be excited about.
Between meeting new people and starting a new career, it always felt like my schedule was full.
My one regret? That I didn’t carve out enough time to think about my finances.
Before I knew it, my 30s were fast-approaching, and I was wishing I’d started thinking about money sooner.
Sure, I was doing just fine- but all I could think about was how much better things would have been if I would have started earlier.
I realized that the simplest money advice is often the best- it was the little things I started doing that were making the biggest difference. …
I’ve always believed that passive income was largely a myth.
The concept of starting a business that makes money on autopilot seemed unlikely at best.
To be honest, I still think that truly passive income- where no ongoing effort is required- is not a realistic goal.
The good news is that there is a happy medium between not working at all and 20-hour workdays.
I invested a few hours of my time into starting a digital product business, and after 30 days, I made over $700.
We’re told to spend our Sundays in the kitchen, prepping a week’s worth of breakfasts, lunches, and dinners.
After committing some time to a ‘meal prep’ routine, we can have healthy food ready to go for the rest of the week.
This isn’t bad advice, either- there are more than a few benefits to this practice.
By blocking out some time on Sundays for cooking, you don’t need to think about it again for the rest of the week.
You’ve also planned it out to work in your favour- you’ve probably made meals that are both healthier and cheaper than eating out. …
Have you ever felt like your finances have gotten totally out of control?
You’re not sure how you got there, but your credit card is maxed, your savings are drained, and none of your bills have been paid.
Oh, and could payday be any further away? When is it, anyways?
If any of this sounds familiar, then congratulations- you’re human.
You have a lot of priorities competing for your attention, and sometimes, money doesn’t make the cut.
The good news is that money doesn’t have a mind of its own (even though it might feel like it sometimes), and you have complete control over what you do with it. …
I spent most of my 20s being laser-focused on one financial goal: making more money.
The second I stepped off that graduation stage with my degree, I knew this was important to me.
Even while I was still in school, I was researching careers and their respective salaries. What job could I get that would pay me the most money?
Since I was graduating with over $30k in student loans, it wasn’t a stupid idea to aim for a high salary.
The issue was that I was getting way ahead of myself.
Making more money is a helpful tool in managing your money; there’s no question about it. …
Why is it so hard to save money?
This is a question I’ve asked myself, and it’s something a lot of people struggle with.
The next question you should ask yourself is, “Do I have a plan for my savings?”
Saving money is a challenge for several reasons. It requires discipline and commitment, as well as a little planning.
For a long time, I felt that I was missing all of these things. Anytime I put a little money aside, I ended up needing it for something else. …
There are few things that confuse me more than when someone is told they need to settle down.
If you tell me that I need to get an education, for example, you might have a point. And if I agree with you, I can take actionable steps towards that goal.
But if you tell me that I need to find a romantic partner- how am I supposed to translate that into meaningful action?
I can’t go grab that perfect person, the one that I’ve been setting aside for this very moment of my life.
There isn’t a catalogue I can flip through and pick out the one I’m meant to spend the rest of my life with. …
How often do you find yourself staring at a blank page?
You’re ready to write, but nothing is happening.
Maybe if you sit there long enough, something will click and you’ll know what to say.
You’ve been able to write so many times before- today, you can’t even get the first sentence out.
I write every day, so needless to say, I’ve been there.
We’re only human, after all. We don’t have an on and off switch for our creativity.
We can’t hit a button to feel inspired, and then turn it off when we’re done with it.
Our best writing happens when the words are flowing with ease. We know what we want to say, and we feel satisfied with what we’ve done. …
When I left my job, everyone around me was shocked.
Apparently, no one saw it coming.
I certainly saw it coming- I had been secretly thinking about it for two years. Panic attacks at work became the norm. I cringed every time my phone rang or an email came in. I spent every Sunday night feeling depressed as I prepared myself for Monday.
The funny thing is, I was very good at my job. I got the highest possible performance rating every year. Everyone in my office wanted to work with me.
For a little while, I was ecstatic about this. I felt like I had found my calling. I felt like I had won some kind of popularity contest in the office when everyone started asking if they could partner up with me. So I started putting more and more on my plate. The more I was able to get done, the more praise I received. …
I graduated college with a degree in business, so I started thinking about my money at an early age.
What I soon realized was that when I was talking about things like retirement savings or an emergency fund, others my age weren’t thinking of these things.
Even as I near my 30s, many of my friends don’t have any retirement savings- or any savings at all.
Of course, the lack of education around personal finance is not unique to young adults. A lot of people don’t give a lot of thought to their money.
However, when we enter adulthood, it seems like we haven’t been educated on a few things. …