Goodbye! Thanks for reading :)

Today is weird because I'm writing a farewell post to this blog. Farewell for now, at least! As much as I have loved having this space to share my thoughts on personal finance for the past ~5 years, I just am having too much fun doing other stuff in life that I am realizing that blogging isn't my jam anymore.

 

Examples of said fun things in life: in the past 6 months (since the last time I wrote a post here, haha) Mike and I have started making sauerkraut, we now brew homemade kombucha, we built a compost bin in our backyard, we sprouted seeds from last year's vegetables grown in our garden to grow in this year's garden, we cook almost 100% of our meals from scratch (yeah we eat at restaurants even less frequently than before) (oh and we've kinda started going vegan/vegetarian - not completely, but very often)... we've basically gone off the hippie deep end and I love it. OH and we deleted our facebooks haha. Next is getting rid of our phones and really going off the grid... kidding.. kind of :)

 

There's just SO MUCH LIFE to live and blogging has taken a backseat.

 

Plus I'm only 7 months away from turning 30 (whoa) so the blog name almost doesn't fit anymore... haha!!

 

So anywho. I can't say I'll never blog again, because I really do love writing and sharing ideas on saving money. Many times in the last 6 months I've thought "oh this would make an awesome blog post!" but just can't bring myself to sit at the computer and write. Maybe eventually I'll get back into it, who knows!

 

I'm going to keep my email list saved, so if I do come back to blogging I'll send an email out to let you know :) You can sign up below! (if you got this post via email then you're already on the list)

I still have my gmail blog address too - savingmoneyinyourtwenties@gmail.com if you ever want to chat :)

 

I'll miss you! Thank you so much for reading along with my life. <3

Everything is changeable

Everything is changeable

I remember reading somewhere that one of the big causes of depression is feeling like you can’t change anything in your life. You feel stuck, and you feel like there’s nothing you can do to get out of that situation. Everything spirals downward because you feel helpless and trapped.

 

Up until 3 weeks ago, I had many of those feelings.

 

I hated my new job. A lot.

 

I would dive into all the reasons but I should be a professional and not put all that out on the internet, ya know?

 

Anyway, I was miserable after approximately 1 week into the new job. As someone who hasn’t had many new jobs in my life, I wasn’t sure if my unhappiness was just because I was unfamiliar with the work, the company, the client, my coworkers, etc? I mean, I understand that every time you get a new job there is a learning curve, and you go from knowing everything and everyone at your previous job to being brand new at the new job. I had been in the same office for 6 years (with a 2 year stint of self-employment in the middle) and was very comfortable with everything at that job. So it would make sense that I'd be feeling very uncomfortable and unfamiliar in a brand new place.

 

I stuck it out hoping that things would get better. They didn’t.

 

After multiple evenings where I came home from work crying (!!!! yes really, I realize this sounds ridiculous and yes I'm almost 29 years old and probably should be an adult and not let work get to me this much but this was sooooooo not a healthy place for me) and venting to Mike and my Mom, the consensus was that I needed to get a new job.

 

I fought it for awhile, because I thought no one would hire me when I’d only been at my past job for a month (and also because I had JUST FINISHED applying and interviewing for jobs… ugh did not want to start that process up again). But Mike is a genius and convinced me to start applying, so I followed his advice and started throwing out my resume. Also I finally realized that I was actually exhibiting many symptoms of depression and that scared me.

 

Amazingly- the most perfect job opportunity liked my resume, reached out to me, and I interviewed and got the job! WAHOO!!

 

(I later discovered that the hiring manager knows my old boss - the one from 2 jobs ago - and he gave me a great referral which helped me get hired. haha so there were outside factors... BUT STILL. It was glorious.)

 

I immediately felt like the weight of the world had lifted. The soul crushing feeling of being in a situation for 40+ hours a week that I hated evaporated. I successfully DID something to fix my situation!! I changed my life!!!!!

 

So that’s what I want to remind you of today. EVERYTHING IS CHANGEABLE. Life is too damn short to do something you don’t like doing. Stop making excuses for why you’re not doing what you want to do (like I said, I made excuses that “oh they won’t want to hire me because I’ve only been at my company for a month” but obviously that was wrong!!) and just GO FOR IT. Sure it might mean you need to do some work applying for jobs, but isn't a little bit of effort better than HATING life??!

 

I don’t want anyone to ever feel as sad and miserable as I did for the past 2 months. It is so not worth it. You deserve a happy life.

 

The best part of this story is that I started my new job almost 3 weeks ago and I am so so so so so happy. I love it so far and have not had ANY feelings similar to the previous job.

 

Thank you to Mike and my mom talking sense into me and giving me the advice to go for a new job :)

 

 

Have you ever quit a job really quickly? Did it turn out well??

A reminder to pay attention to what you fill your mind with

A reminder to pay attention to what you fill your mind with

A few weeks ago — actually, now that I think about it, it was right around the time that every blogger ever was posting about the Nordstrom anniversary sale — I had a revelation that I had allowed too many negative influences into my life.

 

In my case, I had gotten lax in my aversion to marketing; I was willingly clicking on post titles from blogs that I KNEW were just one big marketing post. I wasn’t being as ruthless and self-disciplined as I normally am.

 

And I think that’s normal for everyone, including myself. There’s a lot going on in our lives, and it’s easy to start running on autopilot in regards to spending habits. And running on autopilot means it’s easy to let little things slip through the cracks (an extra purchase here... and extra purchase there...) and before we realize it, our spending starts to get out of control. 

 

For example, I enjoy reading The Skinny Confidential’s blog but many of her posts are like “5 things you need right now” and it’s just a list of products she really likes with a link to buy the stuff on Amazon. I know myself, and I know that those posts always make me want to buy things.

 

So why was I clicking on those post titles? Why was I willingly exposing myself to that form of advertisement? It’s because I had started to run on autopilot. I was letting little things slip through the cracks without realizing it. I just needed to remind myself of my good financial habits. I needed to snap out of the autopilot and pay attention to what I’m allowing into my mind.

 

So let this post be a reminder to YOU! Pay attention this week to what you’re allowing in your mind and in your life. 

 

Are you getting a bunch of emails from retailers that make you want to spend money because they’re having a “one day sale!!!"? 

 

Do you subscribe to blogs that make you want to buy things? 

 

Do you hang out with people who have questionable spending habits?

 

Are you watching TV shows (ahem, reality tv) that give you an unrealistic view of adulthood? (looking at you, Vanderpump… I love you but omgggg your lives and spending habits are SO not normal)

 

Oh, and for bonus points- fill your mind with GOOD stuff.

Instead of taking in things that hurt your good financial habits, how about you swap in some things that will help give you BETTER financial habits?  For example:

  • Read more blogs from personal finance writers (you're already reading this, so that's good! Also check out my favorite blogger :) )
  • Read books about consumerism (here are a few on my reading list: The High Price of Materialism, Ad Nauseam, Affluenza)
  • Download podcasts about personal finance, happiness, stoicism, etc. (this post includes some of my favorites)
  • Take time to look at your budget, track your spending in Mint, or calculate your net worth

 

 

 

Leave me a comment and let me know what you're going to cut out, and what you're going to start filling your mind with instead!

 

For me, I realized that I need to be much more mindful when I go through my Bloglovin list. I carefully read the post title before clicking. If it sounds like one of those “5 things you need right now” posts, I hit ‘mark as read’ and skip that one. No need to tempt myself!

Negative Visualization vs. Positive Thinking

Negative Visualization vs. Positive Thinking

This isn’t really a finance related post today, but it’s something that I’m mulling over...

 

Positive Thinking

When I first started getting into personal development / self-help stuff, one of the biggest teachings I ran across was the idea of positive thinking, law of attraction, etc. This is basically the idea that if you think positive thoughts, then everything will be positive in your life. For example, if you really want to get a new job, just think positive thoughts about it, assume you’re going to get it, act as if you’re going to get it, and you’ll get the job. The universe will pick up on your good vibes and will give you the job.

 

(and yeah, I’m probably over simplifying it, but that’s the general gist of it from my perspective)

 

I remember way back when I first started hearing about positive thinking as a teaching. My one hesitation was that it feels like you’re jinxing yourself. My whole life up until that moment, I had subscribed to the idea that if you really want something, don’t assume you’re going to get it, because you’ll jinx yourself and then it won’t happen.

 

So anyway, I saw the benefits of this positive thinking practice, but I’ve always had a slight hesitation with it.

 

And now, I think I figured out why (in addition to the jinxing thing).

 

 

How positive thinking failed me

So last week, I shared that I recently got a new job. The interview process took a few moths so I had a looooong time to think tons of positive thoughts about the new job. I imagined how perfect my office environment would be, I imagined the amazing computer I would have and the cute desk I would decorate, I imagined great new coworkers and rewarding work and basically, just a perfect new job. Everything would be absolutely perfect.

 

(Mind you, I wasn’t specifically setting out to ‘law of attraction’ this job into perfection. I was honestly just imaging that it would be perfect, lol)

 

So imagine my surprise / dismay when of COURSE the job doesn’t line up into my idyllic little daydream scenario. 

 

I was upset. I was underwhelmed. I felt like I made a mistake. I felt depressed. I wanted to quit. “This isn’t the job for me,” I thought.

 

All because it didn’t line up with my daydreamed perfect scenario.

 

To pull myself out of my funk, I started listening to some stoicism podcasts. My BFF Mr. Money Mustache talks about the benefits of stoicism, so I’ve always been a little interested in the philosophy. I figured that now is as good a time as any to start putting some of the theories into practice.

 

 

Negative Visualization

The theory that ended up making me realize what had gone wrong in my job situation was the stoic philosophy of “negative visualization”. The stoics believe that you should frequently envision the worst case scenario happening in your life. I’m not going to lie to you, I can't remember exactly the reasoning of why they say you should do this- I’m not sure if it’s so you don’t get too happy, or if it’s so you appreciate the things you have more? Either way, they say you should imagine what would happen if things go horribly wrong.

 

AH HA! How interesting that there are two COMPLETELY OPPOSITE schools of thought on this! One says you should only think positive thoughts. One says you should think negative thoughts.

 

Neither is right or wrong here, but I do think that in my situation, if I had taken a moment to remember that — wait, this is a mind blowing revelation, are you ready for this? — no job is ever going to be perfect (!!!!) then I might have been a bit less upset, underwhelmed, and depressed when I was faced with the reality of my new job. 

 

I would have said, “oh, interesting! I hoped that I would have a really beautiful desk and office space, but also I imagined the worst case scenario that I would have to work out of a dark and dingy basement infested with cockroaches, and luckily the reality of my situation is somewhere in between!" (but luckily skewed towards the former)

 

So. That’s today’s food for thought. Neither way is right or wrong, but I think it’s helpful to figure out which thought philosophy (or neither- maybe you have a different way of thinking!) helps you the most in life.

 

 

For further thoughts on this topic:

I enjoyed this podcast episode from Stoic Mettle on negative visualization.

I also really liked this podcast episode from The Life Coach School on a similar topic-- “problems are forever”.

 

 

 

What category do you fit into- are you a positive thinker, or a negative visualizer, or somewhere in the middle?

I think I now fall somewhere in the middle- I don’t always want to picture the worst case scenario, but I also don’t want to be naive and assume that everything will be perfect in life.

 

Hi!!

Hi!!

Oh man. Its been awhile since I posted here, huh? The main reason is because it's summer and I like being outside rather than typing on a computer.

 

Beach > computer

 

The secondary reason is because I started a new job 2 weeks ago!!! And it's been taking up lots of my free time with needing to do new trainings and things like that. Also learning new things is just exhausting, ya know? I get home from work and my brain feels overloaded with new information and I don't have the mental capacity to think about anything creative like this blog.

 

Getting the new job was a really good thing for me; I had been in my previous office for 6 years (4.5 years, then a 2 year break where I worked on this website, and then back for another 1.5 years) and that's just a LOOOONG time to be in one office. Especially in your twenties. It was time to try something new.

 

But man- job hunting is seriously a part time job! It took up a looooot of free time. I've been job hunting since January I think... but it finally worked out! And I got a sweet pay raise, so thats fun :)

 

Oh! Another fun thing is that my new job is WALKING DISTANCE from home. I am now one of those people who WALKS TO WORK! Capslock is obviously necessary because yes, it is THAT exciting. I leave my house at 7:45 and am sitting at my desk at 8am. It's so amazing. So far I've only gotten rained on once (and now I will obsessively keep an umbrella in my purse at all times) and other than that the walk has been great.

 

The one downside is that my new company has a pretty strict dual employment policy soooo I am not allowed to sell anything here now. Which is weird. So I've taken my eCourse and coaching offline for the time being :(

 

Hmmm other updates? I'm currently reading The Couple Next Door - I've had it on hold at the library for MONTHS and it finally came in and omg it is so insanely good. I'm so close to the end and shocking details just keep getting thrown at me and it's crazy and I have no idea what's going on. So good. Highly recommend you also add this to your reading list.

 

Another thing on my mind due to my new commuting method is... should I get a backpack to carry instead of my purse? Are those totally lame and dorky? I have to lug my work computer back and forth every day (yes, it's annoying) and that gets kind of heavy worn in a purse over your shoulder for 15 minutes of walking twice a day. Also probably not good for your back. I also carry my breakfast and lunch to work, so having a backpack would really help me fit all this stuff. But like I said... is carrying a backpack to work weird?! And if it is- do I really care? That is the million dollar question...

 

I think I'm finally settling down into a more normal groove with work now, so I am going to try to get back on my more regular posting schedule here. Because even if I'm not allowed to sell stuff, I still feel strongly about the message of being smart with your money, so I want to keep this blog going!

 

 

Update me on YOUR life! What have you been up to lately- fun trips? New job? Good books?

Oh-- and do you have any commuter bag tips for me?