Adulting: Money Saving Challenge

This post is a little unusual for the blog, but I think it goes well with my 2017 One Word Resolution and 30 Before 35 goals. Plus, because the country seems constantly in peril these days, it seemed like a good time to talk about personal finances – a.k.a. saving money for both adventure! and rainy days (or unforeseen catastrophe).

Making time for creative work, geekery, and traveling is so worthwhile to me, but that also takes money. And yes, I do work a day job and save when and how I can. What I would really like to do though is have a clearer view of my funds and where they’re going.

So for that, I checked out Earnest’s Money Saving Challenge for 2017. They have this neat year-long chart with recommendations on an easy way you can save money for each month, as well as interesting money stats (like the average amount of money people spend on Christmas gifts).

Here’s what my first quarter looks like with my personal goal in March to spend less on treats. This mostly means books because I buy way too many, but it also means like random geeky things like T-shirts and toys. Do I really need another Star Wars shirt…?

gotr-_-earnest-q1The rest of my personal goals were:

  • Review my financials – map it out.
  • Set up an emergency fund.
  • Set up a Big Expenses fund (for travel or more Hamilton tickets)

 

At the start of this post, I said this paired well with my other goal posts, and it does because dealing with your money is like a foundation of Adulting – and it’s really one I’d like to work at. I’m also aware that a lot of what I can do is possible because of my personal circumstances- one of the big ones being I didn’t have to take out student loans for college. So I at least don’t have that debt to worry about, but I know it is a very common thing for most people.

Setting up small but achievable saving goals like this can help with that, and there are other options – like Earnest’s student loan refinancing. Personally, I’m just trying to be better about knowing where my money is going and keeping to more consistent saving habits. And besides, better saving does also mean more cash in the future for the really fun stuff – like going to Comic Con or booking that flight to New Zealand for the most epic of LOTR sightseeing trips.

If you’re interested in making your own Money Saving Challenge sheet, here’s the full sheet. March, June, September, and December are for you to make your own!

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2017: One Word Resolution

Just like last year, I’m discussing my One Word Resolution here instead of at A Nudge in the Right Direction. But my year-in-review/Bye 2016 is over there if you want to see all the shenanigans that happened last year! (Spoiler: it was a lot. I did 3 out-of-state trips!)

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Best 9 on my Insta for 2016

Some background: for the last few years, I’ve picked a one word to be my touchstone for the year to come. The word is less specific than individual New Year’s resolutions, but I like having something broad to guide and center me as I work through 2017.

I knew what word I wanted before December was over, but I’ve found Susannah Conway’s free workbook useful in the past, especially if you have no idea or several ideas you’re trying to narrow down.

My word for 2017 is:

REST

It’s funny because in reviewing my 2016 One Word post, I see I picked last year’s word, Intent, because I wanted to save more of my energy while remaining focused. I see now that I really should’ve prioritized the energy-saving part.

Thanks to the dramatic ups and downs of last year, I’m feeling even more stretched thin this January than I did at the start of 2016. And while I know moving forward, there’s only going to be a greater need for vigilance and resistance (I’m American and understandably concerned about the state of my nation), I know I won’t be useful if I’m burnt out. I want to make a stronger effort to protect my “me” time this year.

I don’t regret any of the things I committed to last year, but I know going into this one that I have to set better boundaries when I know I’m running on fumes. Rest is important for health, creativity, and building rebellions. 😉 When I looked to the tarot for guidance, it pretty much told me I needed to rest to truly enjoy things and that I should self-reflect more, look deeper to see what I need.

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Like last year, I’ve created a Pinterest board for my word. Maybe it’ll help remind you to take a break too.

But don’t worry! That doesn’t mean an end to adventures. It just means I will hopefully be managing my time better.

What’s your Word for the Year?

 

Supplement:
(Music) Take a Break | Hamilton OST

#GivingTuesday

I’ve been remiss and have not blogged for 2 months. Hello new and old followers! Since the last time we were here together, a LOT has happened – the major things being the Presidential Election and I lost my phone. That was actually the beginning and end of my vacation in New York City. Talk about crappy bookends to an otherwise fun trip!

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Personally, the Election hit me hard because I tend to be an optimist, albeit a wary one. I like to believe that ultimately people are kinder and smarter than I think. Many of us, I’m sure, grew up on stories where good triumphs over evil, where people find their courage and their hearts and do the right thing. The Election results and some of the atrocious behavior that have come before and after suggest otherwise. It suggests that many of the people in this country – from fear and selfishness, if not outright bigotry – are okay (or at least silently complicit) with blatant intolerance, fear/hate-mongering and a host of -isms that are frankly alarming to list. It was a rude awakening and deeply disillusioning to say the least.

This probably wasn’t the kind of post you were expecting, but the state of my homeland right now is one that makes my very existence (and that of so many other people – friends, strangers, all) even more political than it already was. And thanks to this 10 of Swords turn of events, if I want to be true to the ideals of this nation and the responsibilities of my citizenship, I have to be a more active participant in this democracy. I’ve resolved to do better, to resist. After all, you don’t just abandon the things you care about.

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So, this #GivingTuesday, in the spirit of giving thanks and of fighting for good in these trying times, I wanted to use what small platform I have to highlight some organizations and people making the world a better place. Please donate what you can, if you can. Any little bit helps, and today, especially, there’s a lot of matching donations happening. So you have double the impact.

 

A few, more personal picks

We Need Diverse Books – a grassroots organization working to change the publishing industry so that it produces more and better diverse books, “literature that reflects and honors the lives of all young people.”

  • Because representation matters. Diversity is not a trend. It’s real life.

Graham Windham – helping disadvantaged children, families, communities. This is the modern form of the orphanage Eliza Schuyler Hamilton helped establish.

  • You all know how much I love Hamilton, but his wife led a remarkable, albeit quieter, life as well. She pushed past her grief and got to work, establishing the first private orphanage in New York City. Her legacy continues today.

The Erythromelalgia Association – promoting research and awareness of Erythromelalgia, a rare disorder that essentially causes burning pain in the extremities. There is currently no cure and no one way to treat it.

  • One of the smartest, kindest, funniest people I met through the online book and writing community suffers from EM, and it was through her that I first learned about it. I donate in support of her.  For all those who have EM, I hope they find a cure or at least a more effective treatment sooner rather than later.

Force 4 Change x UNICEF x Target – ahead of the upcoming Star Wars movie Rogue One, Disney and Star Wars Force 4 Change have partnered with Target to fund-raise for UNICEF through fashion. From now until the end of the year, if you buy a T-Shirt from their Target-exclusive Force4Fashion line, $5 of each shirt sale will go directly to UNICEF for the UNICEF Kid Power initiative.

 

Causes of more Immediacy

Stand with Standing Rock – help Native Americans protect their land and water by supporting their protest of the Dakota Access Pipeline. You can find out more about the issue by checking out #NoDAPL.

Flint Water Crisis – It’s been over a year since this story broke, and the residents of Flint, MI still need help getting clean water & dealing with the effects of having contaminated water. Two places where your donations can help:

Foster Campbell for U.S. Senate – Foster Campbell is a Louisiana Democrat running for a Senate seat. Their election is on 12/10, so there’s still time to try to flip this in his favor. His election would help defend against a filibuster-proof Senate.

 

Non-Monetary ways to help:

  • volunteering your time and/or skills
  • donating gently-used items you don’t use/need
  • calling your government representatives to voice your concerns (accounts like @flippable_org and @roadto18 can help with action items)
  • educate your friends/followers/neighbors/community on important issues
    • no one likes hard conversations but sometimes they need to be had for growth
  • signal-boosting organizations so they get as much exposure as possible

 

One of the best ways to combat despair, helplessness, and the bad, is to put more good in the world. Let’s all strive to be both more compassionate and more courageous. We’re stronger together. And thank you. Rise up.

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P.S. While most of the featured organizations overlap, there are a few more book/writing related ones I included on the #GivingTuesday post at A Nudge in the Right Direction. Take a look if donating to those type of organizations interests you!

2016: One Word Resolution

I usually make this post at the A Nudge in the Right Direction, but since I have my 30 Before 30 goals here, I thought this might be a more appropriate venue.

For the past few years, instead of making individual New Year’s Resolutions, I’ve picked one word to be my touchstone and guide for the year. I call it the One Word Resolution, but I read about the concept first at Jessica Cora‘s blog. I’ve also used Susannah Conway’s free e-workshop for finding my yearly word.

I let January get away from me, which I admit isn’t the best start to 2016, but I have landed on a word for the year.

INTENT

2015 was a wonderful year that swept me away. I don’t think I was completely successful with sticking to my word CHANGE, but I did let myself say “yes” to more things and didn’t self-reject from opportunities and experiences as much. At the same time, doing as much as I did also left me feeling spent and burnt-out, especially towards the end of the year. I found myself wondering where all my time went, and yet on weekends, I found myself so exhausted that I couldn’t motivate myself to do any of the productive things I wanted to do.

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