Personal Growth | Clever Girl Finance https://www.clevergirlfinance.com/category/general-wellness/personal-growth/ Empowering women to achieve financial success. Fri, 21 Jun 2024 17:38:52 +0000 en-US hourly 1 https://www.clevergirlfinance.com/wp-content/uploads/2018/09/cropped-Favicon-06-12-400x400.png Personal Growth | Clever Girl Finance https://www.clevergirlfinance.com/category/general-wellness/personal-growth/ 32 32 8 Tips On How To Find Your Why! https://www.clevergirlfinance.com/find-your-why/ https://www.clevergirlfinance.com/find-your-why/#respond Thu, 28 Mar 2024 13:15:10 +0000 https://www.clevergirlfinance.com/?p=66091 […]

The post 8 Tips On How To Find Your Why! appeared first on Clever Girl Finance.

]]>

Do you feel a sense of fulfillment in your career, relationships, and life in general, or do you feel so-so? Sometimes, life can become confusing if you haven’t answered the question, “What’s your why?”. So if you are reading this, it’s time to find your why to bring more intention and focus to your life.

Find your why

Finding our why is a journey of self-discovery. It focuses on uncovering the underlying purpose that drives us to take action. By being honest with ourselves, we can uncover our true motivations and clarify what makes our lives meaningful.

It seems that the vast majority of people are simply walking through their daily routines, jobs, and lives without a greater sense of purpose. But it is possible to find the why behind our activities and goals!

This article will cover what it means to find your why and provide an actionable step-by-step guide you can use today.

But first, let’s break down what having a “why” really means.

What is a “why”?

Think of a why as your personal mission statement to help you create a bright future. It is the driving force that helps us discover purpose and make better decisions.

It’s less vague than having gut feelings and more in tune with our direction in life.

A why is the framework we use to make decisions in every area of our lives, and so having one could be on our list of important concerns. It keeps us going when we’re tired and ready to quit, and it’s the essence of how we want our lives to feel.

Simon Sinek, the author of multiple best-selling books, including the self-help book, Start With Why, defines having a why “your purpose, your cause, what you believe in”.

It may look like a single word, such as “integrity,” “service,” or “create.” Or, it may be a more expansive phrase such as “spread joy and laughter to everyone I meet” or “equitable access to health and fitness resources.”

Most importantly, it encompasses your vision of the world and helps you achieve long term life satisfaction. It can also help you create elements of change in your life.

Why is it important to know how to find your why?

When we know our why, whatever that may be, we can create a life that fulfills us day in and day out.

I know this sounds lofty and maybe unnecessary. After all, you’re not a business; you’re simply trying to find a more enjoyable approach to life.

However, I’ve personally realized that if you find out what’s most important to you, you’ll identify (and free yourself from) obligations that don’t align with your personal core values and goals.

As a result, it may become easier to form new habits, launch creative ventures, save money, form long-lasting relationships, etc. You’ll find it simpler to create long-term success with your professional life, relationships, behavior, and mindset.

Ultimately, when your why becomes innate to your every action, it is easier to contribute to your community and help others flourish in their own whys. Finding your purpose and knowing what aligns with your goals and values is a privilege.

8 Action steps to get clear on your why

“Finding your why” may seem impossible, like trying to answer, “Which came first, the chicken or the egg?” But you already have all the answers you need.

You just need to take some time to put your ideas and goals in order with some detailed exercises. It might take more than one draft and some actual work, but you will eventually develop something that makes sense.

These 8 steps will help you do just that.

Tip: Be kind and patient with yourself through this process, and listen. Think of it like you’re dating yourself. The nicer a date is to you, the more likely you’ll be honest and share your story.

1. Interview yourself

The first stage of the process is to interview yourself. Start by asking yourself “why” every time you make a decision, an unexpected feeling comes up, or you want to buy something. You’ll start to notice a trend.

See if you can distill the answers down into core values, which will often point you toward your purpose or, at a minimum, highlight what’s most important to you.

For example, my core money values are aesthetics, health and well-being, and education.

Knowing these, I can better manage and simplify my finances by asking “why” with every purchase or social event I consider. And if it doesn’t align with one of those three ideals, I don’t buy into it.

The result? I’m creating a life filled with items and experiences that fill me up, rather than a life filled with “stuff.”

2. Reflect on your current and past jobs

If you hope to get clear on an aligned career path, start reviewing where you are today.

For example, ask yourself:

  • What do I like about this job, and what don’t I like?
  • What skills do I use in my day-to-day work?
  • What are my defining moments or standout memories with this job?
  • What was my first job? Did I enjoy it?
  • Do I thrive in jobs that are more practical and hands-on, or do I prefer an office setting?
  • Do I want to be in a leadership position or am I in one already?
  • What would make me feel most fulfilled if I only had a single morning a week to get work done?
  • What are my hidden talents that I’ve discovered from this job?

In addition to finding purpose in your career, you may be able to use these skills to help with areas of your life where you experience dissatisfaction.

Additionally, perhaps your why is to use the skills you learned in your current (and prior) positions to help others address the same problems as you have.

3. Ask your friends and family

This activity to help you find your why requires you to ask questions of your friends and family, or even a colleague, not just yourself. Someone close to you might teach you the most important lesson about what inspires you.

So ask the five people whose opinions you respect the most what activities make you light up.

For instance, what conversations cause you to go on and on like a Shakespearean monologue?

You may be surprised by the answers you receive. Often, we’re so caught up in our heads, worrying what others will think, that we aren’t aware of what we think, what we genuinely enjoy, and what we’re experts in.

4. Reflect on your interests as a kid

Your hobbies and interests as a kid are wonderful indicators of your why as an adult. They show you what you were innately drawn to before societal expectations and standards steered you in a different direction.

So if you can, ask your parents or other caretakers what you were most absorbed in as a kid.

Maybe you were obsessed with dinosaurs but ultimately didn’t get a degree in archeology because someone suggested it’s not a lucrative career path. Or you wanted to be an astronaut but were told not to pursue your dream because it was unreasonable.

What could you do today to follow those same passions?

For example, could you write a book? Film a documentary? Work at a museum?

Understanding what is interesting to you can help you find your why.

5. Find inspiration

One of the best ways to find your why is to peruse various topics across various mediums. And see what sparks your interest.

During the why discovery process, you might take online classes, listen to a podcast, and examine life through a new lens to determine what matters to you.

For instance, what topics do you keep going back to? What do you share the most with others?

These will hint at the answer to the “what’s your why” question.

6. Consider your goals in life

What do you plan or hope to do with your life, and how will you get there?

For instance, do you want to be the CEO of your own company, start volunteering for a cause you care about, buy land, and live on a farm?

Consider where you see yourself in the next several years and the steps you must take to get there. Doing so can help you discover your purpose and the things you need to work on each day.

Think about financial goals, professional goals, and goals for fitness, family, and more.

7. Note what words resonate with you

Try reading a set of words or action phrases to see what inspires you the most.

For instance, see if any of the following sounds like something you value or is related to a way that you’d like to live: loyalty, curiosity, creativity, health, mental wellness, security, strength, learning, experience, joy, peace, kindness.

You might find several words that you feel truly represent your why. If so, remember them to help you determine your goals and find your purpose.

8. Write it down

You’re almost to the finish line! By now, you may have a pretty good idea of what your why is. To be sure you don’t forget your ideas, start writing down words, phrases, or whole pages about your why.

Your written thoughts can create an organized space for your ideas. By writing and rewriting all your thoughts, you can come up with your purpose. Think a paragraph, sentence, or word that best describes your why.

For me, I’ve found journaling to be incredibly effective in laying out my why.

Expert tip: Change your environment

If you’re having trouble discovering how to find your why, try going to a new place or a new environment. It might be a coffee shop or an outdoor space.

Sometimes I find that it’s easier to see things clearly when I get out of my day to day routine. It allows me to look at things in a different light.

It may be the same for you. While it’s a very simple exercise that doesn’t take much time or effort, it may invite change and clarity.

You found your why. Now what?

Now that you’ve identified your “why,” it’s time to create an action plan to keep yourself accountable as you work towards realizing your goals.

Create daily intentions

To build your intentions plan, list easy ways to incorporate your why into everyday life and own who you are.

For example, if your why is “service,” maybe you make sure to hold the door open for at least one person every day, help your mom, roommates, or spouse with the dishes without being asked, or simply ask a co-worker, “how can I help?”

Now, remember these intentions by writing them down daily during your morning routine.

Additionally, put it on a Post-it note and stick the note to your bathroom mirror. Make it your phone’s home screen. Or add it to your desktop or laptop.

Schedule monthly check-ups

Getting caught up in the daily grind and forgetting what we are working towards is easy.

So, set aside time each month for a self-reflection session. Take some time to think about your answers and also write them down.

Writing will help you see patterns and areas you need to focus on. Reviewing your previous self-reflection sessions to see how far you’ve come can also be useful.

Journal through the following prompts:

  1. What did I learn about myself this month?
  2. Did I act in alignment with my purpose? How?
  3. What can I work on in the upcoming month to get back to or stay on the right track?
  4. What do I need to detox or delegate?

You can also check out our more in-depth list of journal prompts for self discovery to expand on this exercise.

Plan annual reviews

Return to this exercise every year, as your “why” may change as you grow and find your purpose. What motivated you five years ago might not be what motivates you today. And that’s OK!

But if your “why” answer changes without you realizing it, you may find that your commitment dwindles. To stay focused, it’s important to take a beat and re-interview yourself every year.

For instance, ask yourself:

  1. What did I accomplish over the past year?  Were there any significant moments of the past year? (This will help you to see how far you have come and how your why has enabled you to succeed.)
  2. Did these accomplishments feel joyful and exciting, or did I become neutral as time passed? (If the joy ebbed, your why may have shifted.)
  3. What would I like to achieve in the coming year? Do these goals align with my purpose, or are they arising from my ego?
  4. How does my purpose fit into the bigger picture? Is it still serving me well?

Get accountability

You’ve decided to find your purpose and learned how to set intentions. So, how do you ensure that your actions align with your why?

An accountability partner like a trusted friend or relative can be very useful. Share your why with this person, and explain your goals and ideas. Then, ask them to keep you accountable.

Accountability can be achieved by regularly chatting about your goals, asking about progress, or simply meeting for coffee with someone to see if your why is still the same and what motivates you.

How do I know what my purpose is?

You can learn what your purpose is by sitting with yourself, reflecting on your skills and interests, and thinking about what kind of energy you want to bring to the world. It may take a bit of time, but you can find your why by thinking about words that resonate with you, how you chose a career, your hobbies, and your mindset.

You aren’t alone if you are still struggling to discover your why. Focus on what matters most to you, and you will eventually find the answers.

Try asking yourself questions about how you see yourself. Are you an unshakable optimist or a visionary thinker? What is most important to you in life?

If you keep asking, the answers will become clear.

What is an example of “find your why”?

An example of “find your why” might go like this: Someone who loves fitness and health may discover their why and phrase it in the following way. “Bring awareness to health and fitness, maintain a high standard of wellness, and help others to feel their very best.”

Alternatively, here’s another example from someone who values attitude and service: “Create an atmosphere of peace and reassurance for myself and others each day.”

There are as many varieties of a why as human beings on the planet! The goal is to find your own why that makes sense for your life.

Is it okay to change my mind about my why?

Yes, it is perfectly fine (and likely) to change your mind about your why! Over the years, you may have various interests and careers, and you will be at different places in your life.

Since all of this contributes so much to your why, it is only natural that it will shift or change over time. The key is to continue to grow and to stay inspired.

If you found your why, you might be interested in other similar articles. Check out these next!

Find your why to enjoy a more fulfilling life!

I hope this practical guide to finding your why helps you. The bottom line is to filter through your specific stories, beliefs, and lessons to start discovering purpose behind your daily actions and choices. Doing so can help you achieve your goals and dreams, and better understand yourself.

But if you need an extra sprinkle of inspiration, here’s my personal why: “To help women cultivate a path to financial freedom, which enables them to leave behind jobs or careers that no longer serve them, and to find a livelihood that lights their soul on fire.

And for more inspiration, check out our content on how to clearly define your priorities in life, or take an online course or two. Finally, remember to practice intentional living so you can achieve your goals!

The post 8 Tips On How To Find Your Why! appeared first on Clever Girl Finance.

]]>
https://www.clevergirlfinance.com/find-your-why/feed/ 0
Are You Living A Fantasy Life? (The Financial Edition) https://www.clevergirlfinance.com/living-a-fantasy/ https://www.clevergirlfinance.com/living-a-fantasy/#respond Tue, 23 May 2023 12:47:00 +0000 https://www.clevergirlfinance.com/?p=12967 […]

The post Are You Living A Fantasy Life? (The Financial Edition) appeared first on Clever Girl Finance.

]]>

We all wish that we could live in a perfect world—a world where we could determine exactly how our stories are written. I’m sure it’d be one of bliss and happiness.

Although living a fantasy life may sound fun, it can do more harm than good—especially when it comes to your finances.

Living a fantasy life

It’s important to take a realistic look at your finances if you want to be successful with money. If you find yourself thinking, "I am broke", and struggling to get a grasp on your financial situation, even while overspending, you may be living a fantasy when it comes to your finances.

What living a fantasy life means

Living a fantasy life means that you disregard what’s actually happening in reality. Though it sounds great to take a break from the real world and live in perfect bliss, it’s not realistic.

Living in a fantasy world is great for things like fantasy football—where you get to pick the perfect team of star players for an inconsequential wager. It's also fine if you're in the middle of a good book or movie and want to ignore the outside world for an hour or two. But for the rest of the time, it's not good to live this way.

In real life, it causes you to make poor financial decisions with no regard to the real-life consequences. You begin to believe in unrealistic results and are often left in a worse position than before.

We’ve all had moments where we’ve imagined our fantasy selves in perfect scenarios, and everything just worked out. But that’s not reality. Every decision we make has consequences, especially with our finances.

6 Ways you’re living a fantasy life when it comes to your finances

When it comes to your money, the last thing you want to do is live in a fantasy world. Maybe you are fantasizing about your finances and just don’t know it. Here are some ways that you might be living in a fantasy world with your money.

1. Believing your debt will be miraculously forgiven

Though loan forgiveness does exist, it’s the exception, not the rule. In particular, only about 1% of those who apply for Public Service Loan Forgiveness actually get approved.

With these statistics, believing that you shouldn’t pay off your debt is definitely more of a daydream than a reality. You must have a plan to pay back what you owe.

Unfortunately, lenders don’t just sweep your debt under the rug and allow it to be forgotten. There are consequences to avoiding your financial obligations. Failure to pay your debt in hopes that it’ll be forgiven will negatively impact your credit score and may leave you wondering, "Why did my credit score drop?".

It can cause issues if you need to find a new job, buy or rent a home, or access future financial capital. Facing your debt can seem overwhelming, so just take it one step at a time. In fact, you can leverage these tips for a debt reduction strategy.

2. Spending on credit without a plan

Using credit cards can have some advantages if you know how to use credit cards wisely and with discipline.

However, you’re living a fantasy life if you make a habit of spending without a plan. In this case, you may think you’ll pay your credit card bill off at the end of each month, even though you have no idea how you'll pay the bill.

If you’re going to use credit, you should have a plan on how you’ll pay it back. Otherwise, your debt will accumulate exponentially due to interest. With average credit card interest rates as high as 26%, depending on your credit score, your debt can accumulate quickly!

Instead of spending without regard to your ability to pay it back, only spend what you can afford by living below your means. Limit your credit spending to what you actually have in cash to pay back so that you aren’t getting into debt.

3. Saying you’ll save money but living paycheck to paycheck

It’s always great to have a goal to save money. After all, you want to be prepared by having an emergency fund and cash on hand for large purchases. But saying that you’re going to save money without a plan to actually do it is living a fantasy life.

Here are a few questions that you need to ask yourself when creating a savings plan:

What are you saving for? Where will you keep your money? Also, ask yourself, "How much should I save each month?"

This is the start of creating a plan for saving money. Once you have a plan in place, you need to execute it. Open those savings accounts that you’ve included in your plan.

Then, automatically transfer money into your accounts so that you don’t have to think about it. That’s how you turn your savings goals into reality.

4. Saying you're "on a budget" but never making one

Saying you’re on a budget but not actually having one is another financial fantasy that you may be living. A budget helps you proactively plan your money.

So without having a plan, you’re not actually budgeting.

If you’re on a budget, you’ll actually need to have a written out plan for how you’re going to allocate your money. You can use some of the best budget templates to do this.

Remember, a budget doesn’t mean that you don’t spend money. It means that you have a plan for where it will go.

Not sure how to budget? You can use this example of a budget to get started.

5. Wanting to build wealth but not investing

For most people, the ultimate financial goal is to build wealth. Not just wealth that you can enjoy now but generational wealth for your future family. Though you can become wealthy without investing, you limit your ability to exponentially grow that wealth when you don’t invest.

Investing is the vehicle for wealth accumulation. It allows your money to work for you. This means that you can earn money passively and not have to trade your time for income.

There are many ways that you can invest, including investing in securities or real estate investing.

Even if you don’t have a lot of money, you can learn how to start investing. Start small and build your investment portfolio as you go. You can learn more about investing in our book, Clever Girl Finance: Learn How Investing Works, Grow Your Money.

6. Believing that marrying rich or winning the lottery is your ticket to financial freedom

Although we’d all love to win the lottery or marry rich, it’s not quite a realistic financial plan. In fact, you’re much more likely to get struck by lightning than your chances of winning the lottery.

Instead of spending all of your time swiping left or scratching to find your financial savior, do the work to create your own financial freedom. That includes learning the best way to get out of debt, investing, and becoming a better steward of your money overall. Don't let your fantasy self decide your financial situation.

Expert tip

Whenever you find yourself avoiding thinking about your finances or believing things about your money that are likely not true, you are probably living a fantasy life financially. When this happens, it's important to evaluate your situation honestly and find ways to improve it instead of continuing to ignore it.

How to stop living a fantasy life with your finances

Living a financial fantasy can lead to frustration when reality doesn't match your expectations. Now that you know the signs of living a fantasy life with your money, you can take steps to change how you view your finances.

Be honest with yourself about debt and your budget

Take a look at how much debt you owe on credit cards and loans, as well as any budgets you've created. Are you paying off debt? Are you sticking to your budget?

If you answer no, it's time to figure out how to do things differently. Consider the steps you can take in your daily life to follow your budget. Make it realistic, pay your bills on time, and give yourself some fun money, too.

As for debt, once you know what you owe, start paying it off by paying more than the minimum amount necessary. There are a few different plans for debt payoff, like the avalanche method and the debt snowball worksheet method. Choose the one that's best for you.

Create some goals and a plan

If you've been living a financial fantasy, chances are, you already know what you want to achieve with money, you just haven't made a plan to get there.

Take the time to consider how money might create a better life for you. Then make a few goals that you can stick to, like building an emergency fund or debt payoff.

Finally, make a plan that helps you to make your financial goals happen. For example, setting aside $200 extra a month for savings. Use creativity to make goals and a plan that you're excited about.

Be consistent in your decisions

Now that you've decided not to live in an imaginary world with your money, it's important to follow through consistently with your plans. Ask yourself each day what needs to be done to make progress, and consider these 5 ways to achieve your goals.

Though it may feel tedious sometimes, reminding yourself of the reason why you're budgeting, saving money, or working extra hours, is sure to help you keep a good perspective.

Notice if you start living in a fantasy world with money again

If, at any point in your financial journey, you find that you've slipped out of the present moment and back towards a financial fantasy, remind yourself of your goals.

It's important to acknowledge what's true about your money. Perhaps your fantasy self would like to think that debt is no big deal. But you can remind yourself that your debt won't go away if you ignore it.

You can also start changing your perception of money. For instance, even if you have debt, remind yourself that if you stick to your plan, you'll pay it off soon. That's an optimistic way to think but also a realistic one.

Can you become smarter with money?

Yes, you can absolutely increase your financial literacy and learn how to handle money well. Start reading books about money mindset, gathering information, and applying it to your finances.

How do you get your finances under control?

If you feel like your finances aren't where you want them to be, you can learn to make better decisions. Start with a budget, begin to save money, and make plans about investing and debt payoff.

What's the best way to avoid living a fantasy life with money?

A smart way to avoid this is to understand what you wish was true about your money and what is actually true. Then you can make goals to improve your finances based on your actual savings, budget, and debt.

Create a better financial reality instead of living a fantasy life

As you can see, living in a fantasy world with your money may be an easier trap to fall into than you probably thought. Perhaps you’ve even done some of the aforementioned. But now that you know the harm it can cause to your finances, it’s not too late to make a change.

It may be difficult to stop living a fantasy life with money. Maybe you even feel shame or depression about your money situation. But there is hope for your finances!

The best way to make sure you’re handling your finances in a realistic way is to create a plan and adopt systems.

This includes creating your own financial planning process, using a budget, and even learning how to automate your finances. Make it a priority to continue educating yourself about best money practices with our completely free courses and worksheets!

The post Are You Living A Fantasy Life? (The Financial Edition) appeared first on Clever Girl Finance.

]]>
https://www.clevergirlfinance.com/living-a-fantasy/feed/ 0
7 Ways To Overcome Procrastination https://www.clevergirlfinance.com/7-ways-to-overcome-procrastination/ Sat, 13 May 2023 14:38:07 +0000 https://www.clevergirlfinance.com/?p=50262 […]

The post 7 Ways To Overcome Procrastination appeared first on Clever Girl Finance.

]]>

Procrastination is something almost everyone struggles with from time to time, and most of us have tried to combat procrastination in one way or another, but it doesn’t always work.

We all have tasks that we need to complete and goals we want to reach, but it can be quite a challenge to find the motivation to get started and finish. In this article, we share 7 ways to overcome procrastination to help you get things done once and for all!

7 Ways to overcome procrastination

If you tend to procrastinate, don’t worry, you’re in good company. Recent studies have shown that 20% of people consider themselves to be “chronic procrastinators,” and about 88% of those in the workforce procrastinate for at least one hour a day.

But we’ll discuss 7 ways to overcome procrastination, and because this is Clever Girl Finance, we’ll also point out how this can help you give your finances a boost.

Before we dive into those 7 ways to overcome procrastination, it’s helpful to understand a few ways procrastination can negatively impact your life. That way, you can have even more motivation to overcome it.

For starters, procrastination significantly hampers productivity. It can also result in missed opportunities, damaged relationships, emotional distress, and elevated stress levels.

Heard enough and ready to learn how to win with your time? Here are our top tips:

1. Break tasks into small chunks

The first of our 7 ways to overcome procrastination? Breaking your task into smaller chunks. One of the primary reasons we procrastinate may be because we feel overwhelmed by the size of a task.

A massive project can seem daunting and can lead to inaction. But breaking the task down into smaller, more manageable chunks can help you overcome this feeling.

To break down a task, start by identifying the key steps or milestones involved. Then, break each step down into smaller ones. Doing this can make the task more approachable and less daunting.

Smaller tasks are less overwhelming and help you get more done

Breaking tasks into smaller chunks has several benefits.

First, it makes the job feel less overwhelming, making it easier to get started. Second, it helps you make progress even when you have limited time.

Third, it helps you stay motivated by providing you with a sense of accomplishment as you complete each piece. Lastly, it can reduce stress and anxiety by making the task feel more achievable.

Achieving smaller money goals can help you win in the long run

Lots of financial goals require multiple steps before you reach the end. Sometimes, it can feel like you’ll never be able to achieve a goal, but by breaking it down into smaller bites, you’ll see that you can achieve it.

Let’s say you really want to find a new job with higher pay. Many people stop themselves from finding a new job because they don’t know where even to begin their search.

However, if you break the job hunt down into smaller tasks, it can look something like this, which is much more manageable:

1. Update your resume.

2. Draft a cover letter.

3. Reach out to your network – contact one person every weekday for two weeks.

4. Research types of jobs in your industry.

5. Start looking through new job postings for one hour every Monday afternoon.

6. Submit your resume to three jobs per week.

7. Prepare for interviews for two hours by looking up and rehearsing answers to common interview questions.

By breaking down this big financial goal of landing a higher-paying job into many smaller steps, you’ll be on your way to reaching it in no time!

2. Create deadlines

One of the 7 ways to overcome procrastination is to set deadlines for yourself. Setting a deadline makes a task feel urgent, which can help you stay focused and motivated.

To set deadlines, start by identifying the key milestones or tasks involved in the project. Then, assign a deadline to each task, and give yourself an adequate amount of time to complete each one.

Be sure to hold yourself accountable to your deadlines and reward yourself for meeting them.

Deadlines help you form good habits

Setting deadlines has several benefits.

First, it helps you to prioritize and manage your time more effectively. It also enables you to make progress toward your goals and objectives. Lastly, it provides a sense of structure and discipline, which can help you develop a good habits list and good routines, leading to more success.

Stopping procrastination by giving yourself time limits can earn you money

Do you ever find yourself dragging your feet on a task? Do you find it hard to get started? If so, your lack of deadlines might be getting in your way and hurting your finances, too.

Perhaps you’ve been talking about starting a side hustle for some time but haven’t taken action yet. If so, this tip might be just what you need.

Give yourself a deadline for starting your new venture, tell someone about it, and hold yourself to it like you would any other commitment. You’ll thank yourself later when your side hustle is finally up and running.

3. Use the “two-minute rule”!

The “two-minute rule” is a technique that can be very effective if you want to take your time back. The idea is simple: if something takes less than two minutes to do, do it right away.

This could be as easy as replying to an email or tidying up your desk. By completing these small tasks right away, you can build momentum and have a sense of accomplishment that can help motivate you to tackle bigger tasks.

The two-minute rule causes you to take action

Using the two-minute rule has several benefits. First, it forces you to take action instead of procrastinating. If you can do a task in two minutes or less, you have to do it!

It is also a great way to help you build momentum and create a sense of accomplishment. Once you get the ball rolling on getting things done and see how easy it can be, you’re more likely to keep it up.

Doing simple tasks that don’t take much time can save your finances

With the two-minute rule, you’ll never miss another credit card payment or bill again. Take two minutes – that’s seriously all the time it takes – to set up auto pay on all of your bills and learn how to automate your finances.

If auto-pay isn’t an option, the next time that bill comes your way, don’t open it and tell yourself you’ll pay it later. Instead, take two minutes to write a check or go online and make the payment.

4.Remove distractions

Distractions can be a huge barrier to productivity and can make it challenging to get started on a task. To overcome this, try removing any distractions from your environment.

This might mean learning how to spend less time on your phone or closing all social media tabs on your computer. You could also benefit from working in a quiet, distraction-free space, such as a library or a (quiet) coffee shop.

Focusing your attention saves you time

Removing distractions helps you focus your attention on the task at hand, leading to better productivity. It also helps you avoid wasting time on non-essential activities, clearing up your time and space for what is really important.

Fewer distractions can help you save more cash

Not only do distractions take away your time, but they can also take away your money, too. That’s because many of our common distractions involve following social media influencers or shopping online.

Start with deleting your shopping apps and unfollowing anyone who makes you spend unnecessarily. By learning how to stop shopping you’ll free up your time for what you really want to do and save yourself money.

5. Find your motivation

Sometimes, procrastination can stem from a lack of motivation or inspiration toward a task. Of these 7 ways to overcome procrastination, finding your motivation or learning to find your why behind completing a task might just be the most beneficial tip of all.

Your motivation could be as simple as impressing your boss at an upcoming meeting or as big as providing for your children. By focusing on your motivation, you will create a sense of purpose that can help inspire and motivate you to get started (and to finish).

Knowing your motivation helps you make progress

Finding your motivation helps you clarify your goals and priorities, giving you a clear direction to follow. It also helps you build a sense of purpose and fulfillment, making your task feel more meaningful.

Lastly, it enables you to develop a growth mindset or an abundance mindset, which encourages continuous improvement and progress.

Understanding your goals can help you to not spend on unimportant things

Trying to reach a big financial goal often takes a lot of sacrifices. It’s hard to give things up, like learning how to stop eating out or taking on a no new clothes challenge without being really clear about why you’re doing something. This can lead to big-time procrastination.

Let’s say you’re trying to save up for a big purchase. For example, you’re finding out how to save up for a house. If you list all of the reasons why you want to buy a house, it can really help motivate you when the going gets tough.

Maybe your “why” is to raise your children in a safe home, have a backyard to host parties, or just have a place to call your own. Whatever the reason, have one (or many), so you’ll have meaning behind the goal and will be less likely to procrastinate.

6. Practice mindfulness

Practicing mindfulness is an underrated yet effective way to overcome procrastination. Mindfulness involves you being fully present in the moment, leaving behind judgment or distraction.

To practice mindfulness, try taking a few deep breaths before starting a task or engaging in a brief meditation or visualization exercise. Focus on your breath, and try to let go of any distracting thoughts or worries.

If you develop attitudes of mindfulness, you can create a sense of calm and focus that can help you to overcome procrastination and stay motivated.

Mindfulness helps you stay focused and get more done

Practicing mindfulness has so many benefits.

First, it helps you to stay present and focused on the task you’re doing, reducing the temptation to procrastinate. It can also help to reduce stress and anxiety, making it easier to stay motivated and productive.

Lastly, it can improve your overall sense of well-being, allowing you to feel more energized and engaged in your tasks.

Practicing mindfulness can decrease financial stress

Life can be stressful, and your finances are no exception. Hopefully, you’ll be prepared for whatever comes your way financially (an emergency fund is key for this).

Even so, that doesn’t mean an unexpected financial emergency won’t cause you some anxiety. That’s why having a mindfulness practice in place before anything stressful happens can help you reduce your stress levels and manage the unexpected.

7. Celebrate your accomplishments!

Lastly, an effective way to combat procrastination is to reward yourself for your accomplishments. By setting up a system of rewards, you can create a positive association with completing tasks and motivate yourself to keep going.

A reward can be as simple as going out for a walk, listening to a favorite podcast, or indulging in a hobby you enjoy.

To set up a system of rewards, start by identifying specific milestones or even mini goals you want to achieve. Then, determine what kind of reward you will give yourself for each accomplishment.

It’s important to choose rewards that are enjoyable to you. Appreciating your accomplishments can transform a task from something you dread to something you look forward to.

Celebrating reinforces positive behavior

Celebrating your accomplishments gives you a sense of achievement and progress, boosting your confidence and self-esteem along the way. It also reinforces positive behavior and habits, making it easier to stay on track.

Take time to appreciate when you reach a money milestone

All of that hard work you’ve put in to pay for college, buy a Chanel handbag, fund your emergency savings account if you started with no savings, or stick to a monthly budget deserves some recognition!

Just as you would celebrate reaching other milestones, if you reach a financial milestone, you should celebrate, too!

The great part is, you don’t have to celebrate by spending more money or buying something expensive. There are plenty of ways to treat yourself that don’t involve spending much at all.

Take a friend to lunch, buy a new scarf, or simply toast to yourself with a glass of wine after a long week. Whatever it is, celebrate yourself and all of your accomplishments to keep the momentum going and keep procrastination at bay!

Expert tip

Beating procrastination can affect your finances and life in positive ways. By taking a balanced approach, such as setting deadlines and also celebrating wins, you can more easily stop procrastinating.

What is the easiest way to overcome procrastination?

Use the two-minute rule to quickly accomplish any small tasks that you need to do. Then you’ll feel more accomplished and have less on your mind.

How can you completely avoid procrastinating?

Have a clear goal and direction for your life. You can refer to this whenever you want to procrastinate with work, finances, a task at home, etc. Knowing how this task fits into the bigger picture of your life is very helpful.

The best strategy to stop all procrastinating?

Don’t forget to celebrate when you accomplish something. Then you’ll want to continue completing big tasks.

If you’ve enjoyed this article on combating procrastination, check out our other related articles!

Set yourself up for success with these 7 ways to overcome procrastination!

Ready to stop putting things off and improve your life and finances?

Try one of these 7 ways to overcome procrastination today. Or even try a few different ideas at once. There’s no better time than right now for starting a new life without procrastination that improves your career and finances and brings you more success in life.

The post 7 Ways To Overcome Procrastination appeared first on Clever Girl Finance.

]]>
12 Steps For Creating The Life You Love https://www.clevergirlfinance.com/creating-the-life-you-love/ Wed, 10 May 2023 01:21:36 +0000 https://www.clevergirlfinance.com/?p=49249 […]

The post 12 Steps For Creating The Life You Love appeared first on Clever Girl Finance.

]]>

If you are honest, how do you really feel about your life? Are you meeting your goals and chasing your dreams? If not, know that you deserve to start creating the life you love, and it's totally possible. Keep reading to learn more!

Creating the life you love

Believe it or not, less than half of Americans are actually happy with their life. A recent Gallup poll revealed that a mere 41% of people are satisfied with the various parts of their life.

Let’s put that into perspective: the majority of people are settling for less than the best when it comes to their everyday lives.

Yes, all too many of us sleepwalk through life. We make choices because we think we have no other option. We do what other people expect of us and take the easy route.

Before we know it, our lives are less than perfect. But here’s a secret: You are in complete control of your future. So, by living intentionally and making the right choices, you can create the life you love.

Ready to get started? In the following guide, we will take a look at the core 12 steps to creating the life that you love. If you’re unsure where to start, sit back and read this.

How to create a life you love in 12 approaches

Creating a life you love is all about balance. You need to successfully level up the four core aspects of your life — your job, your finances, your relationship, and your lifestyle.

 1. Identify your calling in life

First up, let’s tackle your job and career. Are you fulfilled in this area of your life? Be honest.

If your day job is sucking the life out of you, it may be time for a change.

Consider what it is that you enjoy about your current role and how it aligns with your personal core values.

What parts of the role give you a sense of meaning? And, frankly, what parts make you want to pull your hair out? Think about whether the position works for you.

If the short answer is no, it may be time to look at new career pathways. You can work alongside a careers coach to get started creating the life you love.

Alternatively, you may decide to speak to trusted friends or family members when making this decision.

Should you need some extra help along the way, The Princeton Review has a free career quiz you can complete online. The answers may help to inform your next job decision.

2. Gain extra qualifications or training

If you have decided it’s time to switch careers, you need to do some groundwork. It’s unlikely that you will be able to apply for and find a new job overnight. (But hey, if you are so lucky, that’s great news for you!)

Should you want to try something completely new, you may need to gain some additional qualifications. The first step of the process is figuring out what accolades you need to apply. You can take a look at job boards and adverts to give you a baseline understanding.

Once you’ve got the inside scoop, take a look at your training options.

You may want to take an online course, attend an evening class, or even look at apprenticeships. Having the right qualifications under your belt will give you the basis you need to get that job.

3. Network and apply for new jobs

Did you know that a massive 85% of jobs are filled through networking? If you’re looking to land a new job, it’s worth starting there.

Sign up to attend local networking events in your area. Rubbing shoulders with the right professionals may be half of the job here.

LinkedIn is also a savvy tool if you’re looking for a way to get your name out there. Make sure that your profile is current and reflects the professional you want to be. You should also make an effort to share interesting content there and engage with users.

Of course, you cannot neglect the traditional route to getting a new job: applying for one. Set aside some time to revamp your cover letter and resume.

Next, start looking at entry-level jobs that suit the career path of your choice. Get sending those applications!

4. Take an honest look at your finances

Do you have a clear view of your personal finances? If the answer is no, you are not living your best life.

Poor financial management will ruin every aspect of your lifestyle. Let’s start with the basics.

Review your financial standing. That means looking at your income, regular outgoings, and any long-standing types of debt that you have. Are you on top of things?

Do your expenses exceed your income? Do you have real saving power? Are you on your way to clearing those pesky debts you have racked up? Start by answering these questions (just for yourself!) so that you understand what needs to change financially.

5. Create a reasonable budget

If you’re not budgeting, you’re missing a trick for how to create a life you love. When you're thinking about creating the life you love, you need financial freedom.

So, once you have an understanding of your personal finances, you should learn how to budget.

There are different budgeting methods you can try, so figure out which works for you. You may want to use the envelope or cash system, percentage breakouts, or the reverse budgeting approach, for example, to start better budgeting practices.

Budgeting is about putting the power back in your hands. No longer will your money control you, but you will control it. You will have a reasonable understanding of what your expenditure is and how that is impacting your overall balance. Don’t be scared to start it.

6. Add new streams of income

Let’s say you’ve completed steps four and five, and you’ve hit a wall. No matter how you try to cut the budget, you simply don’t have enough cash to splash each month. When payday is looming, you find yourself scraping together your last cents to make ends meet.

If that scenario sounds familiar, you need to look at ways of increasing your income. One option may be to go for that promotion or find out how to ask for a raise.

However, not everyone has the opportunity to do that immediately. So, you may want to look at ways to boost your streams of income.

There are plenty of options to consider here. You may want to learn about starting a side hustle, getting a second job, consider selling things online, or look at the best passive income ideas. Delve into the opportunities you already have, use your talents, and get some more money.

7. Evaluate your current relationship

Next up, it’s time to take a long, hard look at your love life. We all know that real life is not a Hallmark movie. You can’t expect to be swept off your feet by the perfect partner.

However, if you are settling for less than you deserve romantically, things need to change.

If you are in a relationship, look at it closely for a second.

What do you like about it? What don’t you like? How can you improve things?

Are you feeling satisfied? Do you love your partner? Be clear about whether you are fulfilled by your partner or if it’s time to walk away.

When you are in a relationship for a matter of years, you may not have considered that there’s another option. But if the relationship you’re in is not right for you — and there’s no chance to salvage things — it may be time to call it a day and start prioritizing yourself.

On the other hand, if you have hit a slump, you may want to work with your partner to improve the relationship. Understand that this will take time, energy, and maybe therapy.

8. Work on yourself first (before finding love!)

If you’re looking for a new partner, you may be eager to meet “the one”. Before you can do that, it’s important to work on yourself.

So that you can be the best partner possible and attract the right person, you need to be willing to do the groundwork.

Now, that may mean getting counseling, looking at your triggers, or working on your communication style. When we talk about creating the life you love, you need to address all of the above. Improving your mental wellness is one of the best places to start.

When you are in the best possible place mentally, you will be ready to welcome a healthy relationship into your life. It’s all about taking ownership of yourself and your love life.

9. Look for a partner who aligns with your vision

Your romantic partner is the most important person in your life. This individual has the most influence over you, how you feel, and your everyday perspective. If you’re with the wrong person, they could be hindering your chances of true happiness and fulfillment.

Now it's time to look for a partner who aligns with your vision. When you think about creating the life you love, what does that look like, and who exactly is by your side? It's important to practice listening to yourself to figure out what you truly want.

As we have mentioned, your current partner may fit the bill. If they tick all of the boxes, that’s great news.

However, if they are falling short of the mark or you don’t have a partner, look elsewhere. Date with the intention to find someone who suits your future.

10. Learn to say “no” when you're overwhelmed

Do you know about the strength of the word “no”? Many of us are people-pleasers. We want to make those around us happy.

So, when we are asked a favor or to do something, we say “yes”. We always say “yes”.

So much of your time, money, and energy is taken up by the things that you simply don’t want to do. You might end up babysitting for a friend when you’d rather be working out. You might go to a bottomless brunch when you would have preferred a lie-in.

Before you know it, you’ve filled up your calendar with other people’s needs. You end up resenting the fact that you have agreed to these things.

So, how do you say “no” without offending them? Try out these suggestions:

  • “Sorry, I don’t have the social energy to attend [insert event] this week!”
  • “I would like to help you, but I already have a lot on my plate right now.”
  • “Thanks so much for thinking of me, but I don’t have the time for that.”

When someone makes a request — of your time, money, or energy — you don’t have to oblige. Be firm but polite when telling them that you can’t do whatever it is.

11. Schedule some much-needed rest days

When was the last time you simply did nothing? If it’s been a while since you allowed yourself the gift of rest, this is a public service announcement. You are perfectly entitled to having some time to yourself so that you can rest and recuperate.

That may mean having a lazy weekend, reading a book in bed, taking a leisurely bath, or having a stroll in nature.

The modern world is demanding. You might have a whole bunch of commitments at the moment. Make sure you are scheduling some rest days too.

12. Start prioritizing enriching experiences

Your time is limited. Yes, it’s the most valuable resource that you have, and so you need to be spending it wisely. So, when it comes to the new experiences you could be having, you should be selective.

Whenever an opportunity comes up, ask yourself what you are getting from that situation.

How does it serve you? Are you learning something new?

Are you meeting interesting people? Will you enjoy it? Before you commit to something, answer these questions.

Creating a life you love means choosing to do things that align with your needs. Next time you are asked to do something or someone invites you to an event, think about whether you actually want to accept. Quit making snap decisions and be intentional to avoid living a wasted life. 

Expert tip

As you can see, creating your dream life has a lot to do with evaluating where you're at, as well as where you'd like to be. Half the battle is knowing what you truly want. Once you decide that, you can begin to create a strategy to get there.

Why you deserve a life that you love

We've talked about how to create a life you love, but let’s discuss why you should. The first thing that you have to acknowledge is that it is very possible to achieve your dream life.

That vision you have of the perfect existence is not as elusive as you imagine. It’s within your reach. Once you realize that, you can start taking the steps to work toward it.

Helpful theories about fulfillment in life

Chances are, you’ve heard of Maslow’s hierarchy of needs. The pyramid illustrates the different levels of needs we each have. They include the following, from bottom to top:

  1. Physiological needs (e.g., food, shelter, and clothing)
  2. Safety needs (e.g., personal security, health)
  3. Love and belonging (e.g., connection and intimacy)
  4. Esteem (e.g., self-confidence and freedom)
  5. Self-actualization (or fulfillment)

If you have a home, food to eat, health, and a loving family, you're halfway up the pyramid. For most of us, that is reality.

However, to be truly happy, you want to move towards the level of self-actualization. In the modern world, that is wholly possible.

Unlike our ancestors, we don’t have to fight so hard to have our basic needs met. Food and shelter are not as scarce as they once were. Advancements and modern technology have afforded us the first levels of the pyramid as standard.

You deserve a chance at creating a life you love. What’s more, there is no one holding you back here except maybe yourself.

By targeting the different aspects of your life, you can improve it in all areas.

What is the first step to creating a life that you truly enjoy?

The first step to creating a life you truly enjoy is to understand what matters to you the most. Then you can build your life around your values and ideals.

What is an easy way to know if your life is where you want it to be?

The simplest way to know if your life is where you want it to be is to ask yourself if you are content and happy with your life the majority of the time. No one is 100% happy always, but if you feel that most of your life is enjoyable and you are happy, then that's a good sign.

How do you embrace the life you have and enjoy it?

To embrace the life you have, notice the great things about your life in the here and now. You can find ways to improve your life but don't forget to enjoy the process.

If you enjoyed this article on how to create a life you love, here are some others:

Start creating the life you love now!

Your dream life is there for the taking — are you willing to reach out and grab it? In this guide, we have covered 12 steps you can take toward your ultimate success. It’s a good place to start when you want to transform things.

No matter what your current life looks like, there are ways that you can change it for the better. You can fix salary problems, change your money habits, realize you can't pour from an empty cup, and start prioritizing wellness.

If you do nothing, nothing will happen. Check out each of these steps and see whether you can apply them to your life. Then, find your why and build your dream life.

The post 12 Steps For Creating The Life You Love appeared first on Clever Girl Finance.

]]>
8 Personal Finance Questions To Ask Yourself Today https://www.clevergirlfinance.com/personal-finance-questions/ Sun, 29 Jan 2023 21:41:15 +0000 https://www.clevergirlfinance.com/?p=43300 […]

The post 8 Personal Finance Questions To Ask Yourself Today appeared first on Clever Girl Finance.

]]>

If you want to manage your money well, asking yourself some key personal finance questions is part of the answer. To help you do just that, we are sharing some key questions you can start to consider. By considering and answering these questions you'll be able to reassess your financial future and make any necessary changes starting today!

Personal finance questions

Taking stock of your finances can be a real task. So maybe it isn't too surprising that only around 33% of Americans have a written financial plan, according to Schwab. Not to worry, the question we've put together as well as suggestions on key actions to take will guide you.

So let's take a look at why you need to manage your money regularly and the financial questions to ask yourself!

 

Why do you need to ask yourself personal finance questions?

When it comes to your money, the more you know, the better. While the idea of managing your income may make your head spin, the truth of the matter is that you need to do this if you want to have a sound financial future.

Here are some of the specific reasons why:

Understand your finances

Having an in-depth knowledge of your personal finances means that you can make better-informed decisions. When a big cost comes up — such as a vacation or car repair — you will instantly know whether you have the budget to cover it.

Create financial security

When you start to plan for the future, your finances will slot into place. That can make a major difference to the way that you manage your money now.

When you have asked yourself personal finance questions, you can begin to take measures to save money too.

Reassess your budget

As a golden rule, you should continually reassess your budget and see whether it’s working for you. Your personal circumstances will change.

You may get a raise at work, have more outgoings, or inherit money from a family member. When these things happen, you should be ready to adapt your approach to your finances.

8 important financial questions to ask yourself

Ready to get started? Asking yourself the following financial questions will spark interesting conversations and get you thinking.

Let’s dive into our top eight now:

1. Where would you like to be financially in five years?

This is one of the most crucial personal finance questions: do you have a five-year financial plan? Setting long-term budgeting goals helps you to keep your eyes on the prize.

You may find that this activity allows you to curb impulse spending and helps you to have a vision of your financial future.

Define your goals and make a plan

First things first, figure out what your goal is. For example, you may want to be debt-free or have $10,000 in savings. When you have that in your sights, work things backward.

What are the steps you should take to reach that goal? Try breaking them down into manageable chunks that you can approach on a monthly basis. You can then use a budget calendar to help you when you are trying to stick to these targets.

2. How would you cope if you lost your job?

Are you living paycheck to paycheck? 40% of Americans have been fired at some point in their working life, so it pays off to plan ahead. While the worst may never happen, it’s smart to have a financial plan in place — as a safety net.

Think about expenses and save up cash

The first thing you should do is consider your expenses. What needs to be covered if you lose your income? It includes your rent or mortgage, utilities, groceries, and healthcare.

When you have that down, create a budget that would suffice for three to four months. Work out how much cash you need for that period and start setting it aside in an emergency fund just in case.

3. What would you do in an emergency?

You might not lose your job but life is full of unexpected events that can catch you by surprise. Your car may break down, you might have an accident, or your home may suddenly have woodworm in your home. When these instances arise, it’s crucial that you have the funds to deal with them as soon as you can.

Start an emergency fund

The easiest way to deal with this personal finance question is to create an “emergency fund”. Consider what the most costly events may be. You might want to price them up so that you have an idea of how much money you would need to spend.

For instance, consider how much it would cost to fix your car if it broke down. Run the numbers and see whether you have that kind of money in the bank. Next, you can start saving for that fund month by month.

4. Have you created a workable budget for yourself?

Next up, it’s one of the most important personal finance questions. Do you have a budget in place?

If you’re “winging it” with your money, you’re making a mistake. Taking stock of your income and your outgoing expenses is the right place to start.

Budgeting options

There are plenty of budgeting options for you. There's the 70-20-10 budget or the 30-30-30-10 budget, for example. Additionally, you may want to use a spreadsheet or app to track your personal finances on a daily or weekly basis.

Personal Finance Questions To Ask Yourself

5. What is the interest rate on your debt?

Whether it’s credit cards, your mortgage, or another type of loan, you should be clued up on the interest rate of all of your debts.

You may not remember what you signed at the time you took out the debt, so now is the perfect moment to review it.

Make sure you have the best interest rate

Take a look at your debt agreements, such as the terms of your credit card or your mortgage contract. That way, you can figure out what the interest rate is and whether it is fixed or variable over time.

Once you have this information, you can start looking at competitors. It may be worth refinancing or transferring the debt to a different provider so that you have a lower overall interest rate.

Keep in mind that you want to ensure refinancing or transferring your debt will actually save you money over the long term.

6. Do you have a debt repayment plan in place?

When you have a load of debt, you may find things overwhelming. It doesn’t matter how you got into this position.

What matters the most is how you work toward getting yourself out of it. One of the most vital financial questions to ask yourself is whether you have a plan.

Leverage a debt repayment approach

To pay off your debt most effectively, consider the debt snowball method or the avalanche method to accelerate your debt payoff.

With the snowball method, you focus on paying off debts with the smallest balance first. With the avalanche method, you focus on paying off debts with the highest interest rates first.

Both approaches are equally as effective, the key is consistency and sticking to the process.

Consider debt consolidation if it makes sense for you

Reviewing your debts and approaching them with a solid plan is the way to go here. So you may want to look at consolidating your debts to make them easier to manage and if it will save you money in the long run.

7. How can you realistically increase your income?

Looking for some spare cash? One of the most often-asked personal finance questions is about boosting your income. If you are lacking the funds that you need right now, it’s worth taking a look at the ways you can realistically improve your situation.

Consider various options

Start looking at your options now. Can you work toward a promotion at work? Is it worth starting a side hustle or selling things online?

In each case, you should consider whether you have the time, energy, and resources to pursue the path that you have chosen.

8. How can you make improvements to your credit rating?

Are you in control of your credit rating? One in eight Americans doesn’t know their credit score, according to recent research. If that sounds familiar, you need to switch things up. Learning how to improve your credit rating is a smart financial move.

Find out your credit rating and improve your score

To get started, you should check your credit rating. There are plenty of systems you can use to do this. Pick one that suits you and take things from there.

Next, look at ways you can boost your credit score. For instance, not making too many requests for new credit, paying off debt quickly, and using 30% or less of your credit limit.

Considering personal finance questions can help you thrive with money!

Have you asked yourself the above personal finance questions recently? Now that you’re well-versed on what you should be thinking about, it’s time for a quick financial review. While looking at your budget can be intimidating, it becomes less so when it’s a habit.

Take the time to ask yourself the above questions and figure out workable answers that suit your lifestyle. When you do that, you will feel like a weight has been lifted from you, and your finances will benefit, too!

The post 8 Personal Finance Questions To Ask Yourself Today appeared first on Clever Girl Finance.

]]>
15 Personal Growth Questions To Ask Yourself https://www.clevergirlfinance.com/personal-growth-questions/ Fri, 27 Jan 2023 18:24:24 +0000 https://www.clevergirlfinance.com/?p=43225 […]

The post 15 Personal Growth Questions To Ask Yourself appeared first on Clever Girl Finance.

]]>

Personal growth questions

While we might stop growing physically as adults, that doesn’t mean we can’t learn and grow in other ways. One way to continue growing and developing is to ask ourselves personal growth questions.

Asking profound questions and checking in with yourself can help your mindset and help you connect with yourself and others. So how do you have a deep conversation with yourself?

Keep reading for our top 15 self-growth questions!

Why personal growth questions are helpful

Personal growth questions are deep questions that help you connect with and know yourself better. It’s also a great way to continue to grow.

In fact, a study from Taylor and Francis Online shows that reflecting can have a significant impact on your learning outcome.

Spending some time every quarter or once a year can help you improve your attitude and figure out how to be at peace with yourself.

And it can help you figure out what the most essential things in your life are, like slowing down or personal development.

What is personal growth?

Personal growth is when you improve yourself, whether that’s changing your attitude, behavior, or habits. For example, practicing mindfulness can help you improve your overall outlook. Or maybe you want to learn to control your anger.

Self-growth questions are one of the first steps toward personal growth. Becoming more aware of who you are and also where you want to improve can help you become a better person and create a self-growth plan.

15 personal growth questions to ask yourself

Interested in improving yourself? If so, take out your favorite journal and pen or open a document on your laptop and write down the answers to these top personal growth questions:

1. What am I grateful for?

Identify the areas in your life you appreciate. So what are you most grateful for? That can be outside things, like where you live, your loved ones, or personal things like how you laugh, your sense of adventure, or how you overcome difficult situations.

You can keep a gratitude journal and write down three things you’re thankful for on a daily basis.

2. Is there anything I'm worried about?

Is there something that you are constantly worried about? Maybe it’s money or your health.

Find the source of your anxiety and fear so you can work on overcoming those feelings.

3. What type of worker am I?

Think about the type of worker you are. According to one study, there are six different types of workers: operators, givers, pioneers, artisans, explorers, and strivers.

So think about what motivates you at work and what irritates you to figure out which one you might be.

4. What do I want others to see in me? 

Another one of the personal growth questions you can ask is what you want others to see in you. Do you want people to think of you as kind or patient?

Then reflect on whether you have those skill sets and if there is anything you can do to improve.

5. How do I see myself?

This question can help you figure out what type of person you are. Do you see yourself as being thoughtful or impatient? Angry or gentle?

Knowing how you want others to see you and also how you see yourself can help you make sure that the two images are as closely aligned as possible.

6. What do I value in myself? 

Another personal growth question to ask yourself is to ask about your values. What you value can change over time, so it’s a good idea to revisit this question regularly. Maybe you value the time you spend with your family or maybe you value your alone time.

Whichever the case, knowing this can help you establish your personal core values.

Personal Growth Questions infographic Personal Growth Questions infographic

7. Am I afraid of anything?

Another of the self-growth questions you can ask yourself is what you are scared of, or what keeps you up at night. Are you scared of failure? Or maybe you’re scared of spiders.

Knowing what you’re scared of can help you identify ways to overcome your fears.

8. What inspires me?

Is there something that inspires you? Do you know what it is? Maybe it’s a type of book, a song, or something a loved one once told you.

Whatever it is, knowing what inspires you can help you on days when you’re not feeling motivated.

9. What helps me relax?

When you are feeling stressed, do you have a go-to relaxation method? It could be deep breathing, playing with your pet, or just going for a walk.

Spend time reflecting on the best method to help you relax the next time you’re feeling overwhelmed. That way when you have anxiety you already have some healthy coping mechanisms in place to help you overcome your feelings.

10. Do I like who I am?

One of the most important yet difficult personal growth questions to ask yourself is whether you like who you are. Are there aspects of your personality you want to improve?

Or maybe you’re really happy with yourself and how you’ve grown over the years. Knowing that answer is an important part of self-growth.

11. What's most important to me?

Do you know what is most important to you? Maybe that is your career or you want to spend more time enjoying your hobbies.

Asking yourself what aspect of your life and your values are most important can help you identify if they are lacking in your life. And you can then figure out the best way to make sure you’re living up to your values.

12. What is my greatest accomplishment?

Sometimes we don’t value ourselves or what we have done enough. Write down your greatest accomplishments, no matter how small they might seem. Maybe you were the first to graduate from college or you paid off your credit card debt.

However big or small it might seem, having a list of accomplishments in front of you will do a lot to boost your self-esteem and show you how much you’ve grown.

13. How would I describe my ideal day?

While this might seem like one of the easier personal growth questions, it can help you identify what you truly value in your day-to-day life. Do you like to get up early and go for a walk? Or maybe you like to spend your Sunday cooking.

Asking yourself about your ideal day can help you identify when you are not doing the things that make you happy. Once you know that, you can work towards finding a way to rectify the situation.

14. What am I good at?

Another of the self-growth questions worth asking yourself is what you are good at. This is not only to help you feel proud of yourself but can also help you identify options if you are looking for a career move.

Knowing what talents you have can help you market yourself to potential employers and seek jobs you’ll enjoy and thrive at.

15. Are there areas of my life that I need to improve?

For this question, reflect on different areas of your life, such as your career, friends, family, spiritual life, or health. Do you feel that one area is lacking? Maybe you’re not spending enough time with your partner or exercising as much as you should.

Identify which areas of your life you want to work on so you can make a personal development plan.

Use these personal growth questions to grow and improve your life today!

Asking yourself these personal growth questions can not only help you know yourself better but can also help you grow as a person. One of the first steps to self-growth is identifying where you need to improve.

Once you've answered these questions you can focus on figuring out what areas of your life you want to improve. And remember to never stop learning!

The post 15 Personal Growth Questions To Ask Yourself appeared first on Clever Girl Finance.

]]>
What Are Your Money Values? How To Define Them For Yourself https://www.clevergirlfinance.com/money-values/ Tue, 17 Jan 2023 19:01:05 +0000 https://www.clevergirlfinance.com/?p=42737 […]

The post What Are Your Money Values? How To Define Them For Yourself appeared first on Clever Girl Finance.

]]>

themMoney values

If someone asked what your money values were, would you have any idea how to answer? Or would you find yourself searching for a response and coming up blank?

Our values are such a key part of who we are, yet often we don’t take the time to intentionally think about, define, and understand them!

For anyone looking to transform their relationship with finance, figuring out your money principles is a great first step.

Let’s explore what exactly this is, why it's important, and how to determine your own set of financial values.

What are money values?

In short, money values are the beliefs and principles that (consciously or unconsciously!) shape your relationship with money. They are your "why" around your finances.

In addition, they motivate the various decisions you make about saving, spending, investing, etc.

Examples of priorities

For instance, if you view money as a tool to help those around you, you could say that one of your core values is generosity.

If your goal is to build up a large investment portfolio so you can retire early, etc., you probably place a high value on freedom. (There’s a reason there’s a whole movement called “Financial Independence,” FI for short!)

People who are motivated by the idea of using finances to create a safe, stable life for themselves and their families value security.

Money might help you do good in the world and leave your mark—in which case you prioritize things like impact and legacy.

If you value experiences, you’ll happily spend cash on things like travel and events where you’ll be able to make memories to cherish forever.

Budgeting for yourself/your wants can signal positive values like self-care or self-expression. (As long as you’re in control and not getting into overspending territory!)

These are only a few examples of what’s possible. As you can see, our values don’t exist in a vacuum. They fit into our overall perspectives about what’s truly important and where we find fulfillment.

Why are money values important?

They matter because they impact all your financial decisions, whether you’re aware of it or not!

When your actions align with your values, you’re more likely to know what you want out of life. Living your values brings a sense of peace and confidence that you’re on the right path.

But if you don’t really know what your values are, it’s hard to always live in accordance with them. You may find yourself making choices that you regret later because they conflict with the values that you unconsciously hold.

Once you understand your priorities, you can start examining your financial decisions through that lens. It brings a deeper sense of meaning to our relationships with money and to life as a whole.

7 steps to determining your money values

Ready to start figuring out which financial priorities matter to you? Here are seven steps that can help you identify your values so you can start putting them into practice!

1. Reflect on the money beliefs you grew up with

In order to define what matters to you with purpose and intentionality, you’ll first need to unpack the principles you may have developed subconsciously. And that all starts with our formative experiences in childhood!

Questions to ask yourself

How did your parents/guardians handle money? What kinds of lessons did they teach you, either directly or indirectly through their actions?

The example parents set really can have a measurable impact on their kids’ futures.

One of the core money values I grew up with was frugality. My grandparents were all immigrants who had their formative years during times of war and the Great Depression.

Their values of things like simplicity, thrift, and a reluctance to waste anything have lasted through multiple generations.

So how have these learned values influenced me and my financial behavior? Well, you’ll never catch me throwing away leftovers or letting ingredients go bad in the fridge.

I don’t usually replace things until they stop working...or have literal holes in them. I shop at thrift stores or wait for sales. (But I’ve learned a little balance, too—like I recently stopped using the $1 shampoo from the bottom rack. You’re welcome, hair!)

Your past money experiences can be a lesson

Our childhoods can teach us good or bad lessons about money. Someone with parents who preferred spending over saving might want to unlearn some of their inherited values (e.g. instant gratification or materialism). Take the good and discard the bad!

Try writing a journal entry about the examples and experiences you had regarding money growing up, and reflect on the ways they could still influence you today.

2. Make a list of the ways money impacts your life/your “whys”

Money is part of everything in our lives, from health to career to relationships. So make a list that’s personal to you about the different ways money matters to you. It could look something like this:

  • Health: Money enables me to buy fresh, nutritious food/have a gym membership/afford my fitness hobbies/go to the doctor when I need to.
  • Career: My career is my source of income/I make career decisions based on their financial benefits/being financially independent would allow me to pursue more meaningful opportunities.
  • Family: Money allows me to provide stability for my family/spend quality time with them/build generational wealth and a better future.
  • Education: I value growth and learning and am willing to invest in my future self to improve my earning potential/myself as a person.
  • Lifestyle: A balanced lifestyle means I can live frugally and save money, while still knowing when to treat myself and have fun.
  • Mental wellness: Being financially secure will decrease my stress and anxiety around money.
  • Giving: Money is a tool for me to help causes that matter to me, e.g. helping animals/protecting nature/supporting disease research/investing in my community.
  • Retirement/future: Saving for retirement now means I can secure a safe, comfortable future as I grow older.

Think of as many categories as you can and go for it! This list is going to provide the why behind your money values and everything you do.

3. Outline your financial goals

What do you plan to achieve in the short and long term? You can use your list of categories to help you brainstorm goals for yourself that are tied in some way to your finances.

For instance, your goals could be a mix of things like:

There are some tricks to approaching goal-setting in a way that increases the chances that you'll succeed. Learn about strategies that will help you really achieve your goals.

4. Think about your personal values/ethics

Chances are, your money values are going to be rooted in your personal values. So what sort of person do you want to be?

What causes matter to you? How do you want to treat those around you? In addition, what beliefs and principles do you rely on to guide your life choices?

Establish 5 principles for your money

Take a quick detour to our article on how to establish your personal core values. Once you have that framework, come up with around 5 values/ethical principles you’d like to live by.

It might be helpful to read through a list of values and see which words resonate with you. You can certainly pick more than 5, but try to keep yourself focused on the ones that truly are most important to you.

Think about some of the actions you've taken and decisions you've made in the past and what values those might exemplify.

Examples of values

So if one of your personal core values is compassion, you might be more driven to donate your money/devote your career to causes that help others.

If a core value is adventure, you might dedicate a larger percentage of your budget to travel and experiences.

For those whose core values revolve around family, your financial decisions will be oriented toward protecting and providing for those closest to you.

Being driven by success might help you climb to the top of your career ladder, start a thriving business, etc.

5. Figure out your priorities

You can’t do everything at once, so what values and goals are your top priorities? Keeping these front and center in your mind will motivate you and help with your day-to-day financial choices.

It’s a lot easier to resist impulse purchases when you remember the bigger picture you’re working to create!

Saving and investing can feel like a slog, but money values help you apply meaning to every dollar you’re putting aside so you can build a fulfilling life.

Not sure how to sort through your goals and make a priority list? Here are some steps to help you define your priorities.

6. Revisit your values over time

As our lives change, it’s natural for our values to shift too. Consider making it a yearly tradition to sit down with yourself and reflect on your personal journey, the lessons you’ve learned, and the goals you’ve checked off your list.

Look back on the financial priorities you put on your list in previous years and see if those are still the most important things to you.

Are they still supporting your personal and financial journey? If not, there’s nothing wrong with making a few tweaks or even starting fresh!

Reinventing yourself from time to time is healthy and natural—it happens as we grow, learn, and change. You never have to be locked into one version of yourself, and the same goes for your personal values and your financial principles.

Time to start living your money values!

Coming up with your list of money values is just the first step. But you won’t see those values start to impact your life until you put them into action!

Consequently, it’s helpful to think about your values and your goals in tandem. Your goals are the actionable steps and outcomes you want to achieve, while your values are the reason those goals are important to you.

Lastly, it’s up to you to keep yourself accountable here, because no one gets to chime in on your values except you! Here are some ideas for how to keep a commitment to yourself in a way that helps you achieve your goals—and put your priorities into practice!

The post What Are Your Money Values? How To Define Them For Yourself appeared first on Clever Girl Finance.

]]>
34 Important Life Lessons That Will Change Your Life! https://www.clevergirlfinance.com/important-life-lessons/ Tue, 17 Jan 2023 11:43:00 +0000 https://www.clevergirlfinance.com/?p=11949 […]

The post 34 Important Life Lessons That Will Change Your Life! appeared first on Clever Girl Finance.

]]>

Important life lessons

Did you know that many of our most important life lessons can teach us a thing or two about how to also handle our money? That’s right! Many of the principles that we learn to live by can be applied to other areas of life, including your finances.

For example, you’ve probably learned that life is what you make it. Well, your finances are what you make of them too!

The best lessons in life can help you make better decisions with your money and also give you a new perspective and a better life.

34 Important life lessons to learn for your finances

Here are 34 important life lessons that can teach you a lot about money and even help you get your life together!

1. Patience is valuable

Among the good life lessons that we can all stand to learn, there's the necessity of patience. Patience is when you're able to wait on something with peace and without reacting in a negative way.

There are many things in life that we have to wait for that require a lot of patience.

How patience relates to money

When it comes to managing your finances, this virtue is also essential. You can use patience when weighing your investment options when starting a business (and taking the time to make it successful) and you can also practice patience when saving money.

If you can learn to have patience on your financial journey and not be deterred from your goals, you’ll be able to experience true financial success.

2. Learn from your mistakes

We all make mistakes in life. Some mistakes are more consequential than others, but they all can serve as learning experiences.

As you progress in your financial life, you’re bound to make mistakes. The key, though, is to not let those mistakes define your future.

Instead, you should learn from them and make better decisions going forward. If you can learn from your past failures, they can be leveraged to help you make progress.

3. You shouldn't care what others think

Unfortunately, we can easily get caught up in what others think of us. When you care too much about other people’s opinions, it impacts how you make decisions.

Instead of doing what is best for you, your decisions are based on what others think you should do.

When it comes to making decisions about your finances, it should be personal. That means that you shouldn’t care what others think as long as you’re working toward positive financial goals.

One of the most important life lessons to learn that can affect your finances is learning not to focus on what others think of you.

4. Get out of your comfort zone

If you want to achieve something of significance in life, you’ll have to get out of your comfort zone. Likewise, if you want to achieve big things with your finances, you’ll also have to move beyond what's comfortable and take risks.

Examples of risks that pay off

An example of getting out of your financial comfort zone would be doing something big with your money, like buying a house or beginning to invest, even if you're new to it. Adding new experiences and exploring different ideas can be great for your finances.

Another example could be switching jobs so that you earn more income. Although it may be difficult, it’ll lead to significant benefits for your finances, proving that moving beyond your comfort zone is one of the valuable life lessons.

To help you get started, check out our list of comfort zone challenges!

5. The early bird gets the worm

In life, when you’re first to arrive or adopt something, you usually have an advantage over people that arrive later.

For instance, if you get up early, you may find that you can accomplish more in your day than others do.

Investing early

It's one of the good life lessons you can take into your finances as well--specifically when it comes to investing.

The earlier you are investing, the more of an advantage you have. You might also be one of the first to invest in a company that ends up doing incredibly well.

Your money has more time to grow in the market, which means that you’re able to build more wealth. So be an early bird and start investing as soon as possible.

6. You have not because you ask not

You get more in life when you actually ask for what you want and need. The same is true for your finances.

We tend to overlook opportunities to save money or even make money because we simply don’t ask.

For example, a few things that you should be asking for when paying off debt include:

Can the interest rate be reduced?

Can the fees be waived?

Could the interest be temporarily removed?

These are all things that you can take advantage of, but you won’t know until you ask. Take this life advice and ask for what you want and need with your money.

7. Be comfortable with failure

There’s going to be something that you fail at; it's one of the big lessons in life. But did you know that failure is actually part of success?

You may have had some errors in judgment with your money, but that doesn't mean you can't learn from it and keep going. In addition, if you expect that failures will happen on occasion, you can prepare yourself to succeed in the future and recover from failure faster.

8. The only way to make progress is to start

One of the most important life lessons you can learn that is pretty obvious but still worth stating is to make progress.

The only way that you can make progress in life is by actually doing something. There’s absolutely no progress in simply knowing what you should do but doing nothing.

Likewise, you can’t make progress in your finances if you don’t start. You’ll never be able to save money if you don’t start with your first dollar. You’ll never pay off debt if you never make the first payment.

Progress begins with starting. A huge part of starting is setting goals. For instance, setting professional goals, financial goals, and more can create a plan to accomplish them!

9. Planning for the unexpected is an important life lesson

Life is full of surprises. Ultimately, these surprises can impact your finances. That’s why it’s important to prepare for the unexpected with an emergency fund and the proper insurance coverage.

As an example, no one expects to lose their job, but it happens. You can mitigate the financial burden of losing a job by having an emergency fund in place.

When it comes to your finances, you should always have a plan to help mitigate risks.

10. If at first you don’t succeed, try again

It's nothing unusual for parents to encourage their children to keep trying when they don’t get things the first time.

Despite it being ingrained in us as children, that resilience sometimes escapes us as adults. So, I’ll remind you again—if at first, you don’t succeed, try again.

Perhaps you haven’t been successful at finding a higher-paying job or even buying your first home. Don’t let a minor setback or delay in your progress cause you to quit.

Get back out there and try again! Your financial goals depend on you being resilient no matter what is thrown at you.

11. Failure to plan is planning to fail

Not having a plan to accomplish your goals is a recipe for failure. Success doesn’t just happen by luck or coincidence. It would help if you had a plan that will guide your actions to reach your goals.

Your financial success won’t happen without a plan. Start by creating your own financial plan along with a budget.

With a solid roadmap for reaching your financial goals, it’s almost inevitable that you’ll achieve them.

12. Your network determines your net worth

There’s a belief that the people around you will determine your trajectory in life. If you have friends that aren't a good influence, it’s likely that you won’t go far in life.

On the other hand, if you surround yourself with successful people, it’s almost impossible not to be successful.

How network influences finances

Your network of friends can also have an impact on your money. If you know the right people, you’ll have access to opportunities to make more money. It could mean job opportunities or business ventures.

Either way, from a financial standpoint, it literally pays to surround yourself with the right circle of influence.

13. Be grateful

Out of all the important life lessons, learning to be content is a game-changer. It’s easy to look at the things that we don’t have in life and complain.

However, when you learn to be grateful for what you have, you’ll find that you’re content.

You may not have all the money that you’d like to have, but the great news is that you have something. Something is always better than nothing.

Likewise, you may not be at the point you’d like to be financially, but you’re not where you once were. These are all things to be grateful for.

14. Your words will create your world

Did you know that one of the most valuable life lessons is we have the ability to shape our lives by the words that we say? If you say that negative things will happen, don’t be surprised if they do!

Ultimately, your life will be the sum total of your decisions and the words that you speak. It would be prudent to speak positively.

Knowing that your words have power, you should speak positively when it comes to your finances too. We’ve even made it simple for you!

You can recite these financial affirmations that’ll help you start speaking positively about your finances.

15. Give and it will be given to you

In life, there is a law of reciprocity. It means that when you do something, it’ll be done to you. So if you give, others will give to you as well.

Which doesn’t mean that you do things just to get something in return. Instead, you do things out of the kindness of your heart.

The principle works with your money too. When you learn how to be generous with your money, you’ll find that you’ll be on the receiving end of generosity too.

So as you budget your money, make room for giving. It can be to a religious organization, a philanthropic cause, or even a stranger in need.

16. Seek wise counsel

It’s always important to seek wise counsel when you’re making decisions. Although you don’t want to merely live a life based on other people’s thoughts and opinions, there is a time and place for advice.

Financial advisors

The same is true for money. At the end of the day, you have to do what’s best for you. However, it doesn’t hurt to also get the advice of experienced financial advisors.

Hiring a financial advisor is great if you’re stuck on how to manage your money, you’re just starting on your financial wellness journey, or you have a complicated financial situation.

In any case, it’s important to do your due diligence to find the right advisor for your situation.

17. Having boundaries is important

Having boundaries is necessary for a peaceful and productive life and is one of the good life lessons you should remember. Without boundaries, people will treat you however they feel. That isn’t healthy.

By setting boundaries with friends, family, and colleagues, you establish how you want to be treated in life. You also establish the access you allow others to have to you.

Financial boundaries

It’s important to have boundaries in your finances as well. Some examples of financial boundaries that you can set include how much you spend on specific items if you give money to family and friends, and how much risk you’re willing to take with investments.

Having these boundaries allows you to further control your finances and manage them in a way that you’re comfortable with.

18. Nothing in life is free

As you matured into adulthood, this one thing became clear to you: nothing in life is free! Everything comes at a cost—whether time or money. Preparing financially to pay for the things that you want is one of the lessons in life.

A great way to do this is to have sinking funds that will allow you to save for your future expenses. Learning that nothing in life is free is one of the most important life lessons to learn and apply to your finances!

19. Slow and steady wins the race

Have you ever heard of the story of the tortoise and the hare? The moral of this old tale is that “slow and steady wins the race.”

Sometimes, it may not feel like you are making progress in life, but you’ll eventually reach your goal if you keep at it.

Working on your financial goals may seem like a slow and arduous process, but just like the tortoise, you'll achieve your goals if you keep at them. Apply this important life lesson when paying off debt, saving money, and even investing.

Slow, strategic steps will inevitably lead to success.

20. Ignorance isn’t bliss

Sometimes being ignorant of life’s realities can feel like bliss. Ultimately, it gives us an excuse not to challenge ourselves to do better. That isn’t bliss.

Being ignorant of how to manage your finances isn’t bliss either. In fact, not knowing what to do with your money can cost you in the long run.

Getting access to financial education—like our completely free courses—allows you to know exactly what to do with your money so that you can build and afford a life that you enjoy.

21. Prioritize your health

Maintaining good health can not only save you money and time, but it also helps you to function at your very best for many years.

Focus on eating right, drinking lots of water, and being consistent about an exercise routine, whether that's yoga twice a week or running a mile each morning.

Taking care of your health can lead to better discipline and habits in other areas of your life, too, like with money.

22. Buy things based on value, not convenience

One good way to make sure you spend your money wisely is to think about value. Knowing how much an item or experience is worth to you is among the valuable life lessons to learn.

Begin buying things based on their value to you, not just on convenience. Or even worse, buying something because everyone else is.

Value-based buying can truly help you not waste money and be more content with what you purchase.

23. Habits are key to winning at anything

Whether you would like to acquire a new skill, succeed at work, or become a morning person, healthy habits are going to get you there. It's good to set a specific goal but also follow that up with a plan and then be consistent every single day.

Good habits over time will help you accomplish things that, at one point, seemed completely impossible.

Not to mention it helps with money by helping you build consistency into your life. You can apply your habits and rituals to money by budgeting at specific times, setting short-term goals and reaching them, and routinely earning more money.

24. Always presume that you have something to learn

Rather than thinking you have all the answers in life, assume that you have something to learn in every situation. Doing so can help you with your finances and other things, too.

For example, if you've been saving money for years but haven't invested any of it, assume you have things to learn and start researching. You'll soon find that the knowledge you've gained helps you a lot!

25. Work isn't everything but it's important to work efficiently

Rather than working constantly, be efficient about the way that you work. Group similar projects together and don't waste time. That way, you can get more done and also increase your chances of pay raises and promotions.

In addition, you may find that you have more free time to spend on the things that matter to you.

26. Be present instead of living in the past or the future

Staying focused on the present moment is a beautiful thing. There are times for considering the past and planning for the future, but most of life should be spent right where you're at - in the present.

That way you don't miss out on the wonderful opportunities and great moments that are part of each day.

And since you work so hard to pay for the things that you have, like a nice home or the opportunity to travel, one of the best ways to live is to enjoy the moment.

27. If you're wondering if you should read more, the answer is yes

Reading can help you gain wisdom for many things, including finances, career, time management, and more. Even better, reading great books is many times free and can help you learn many important life lessons.

So make time for reading so you can keep learning.

28. When it comes to finances, think long term

You aren't necessarily going to become rich tomorrow. Instead, you need to plan with money many years into the future.

Yes, a budget is a good place to start, but also consider things like investing, retirement, and where you want to be financially in twenty or thirty years.

29. Recognize distractions from your goals for what they are

Even if everyone else you know seems to be wasting time or only focusing on fun, stick to your goals.

Knowing what you want in your career and finances will keep you moving in the right direction. There is a time and place for free time and enjoying life, but don't forget to work hard, too!

30. Emotional intelligence is highly underrated

A lot of people are smart, but if they lack empathy or self-awareness, they may find working with others and making friends to be difficult.

Take the time to really listen to others and try to understand what their feelings and motivations are. Then everyone can succeed and you may find that you do well with your career and your financial opportunities increase.

31. Don't let what you own control you

It's better to have less stuff and less debt than to have to keep working very hard to pay for the items you own.

You don't want to be constantly paying things off and never getting ahead with money because of possessions. Instead, be mindful of spending and saving so what you own doesn't control you.

32. Live your life according to what matters to you

You probably have money and career goals you want to meet, but remember that your values are the most important thing.

Don't compromise what you believe to be most important in order to make more money, such as giving up time with your family to work extra long hours for years.

When you make decisions about finances, always do so according to what matters most.

33. Sticking to a schedule can help you achieve your dreams

It may sound boring, but planning out your day and your week, or even your whole month, can change your financial life.

When you know how you'll spend your time each day and how many hours you'll work, you can plan your budget and goals. It can help you to take your dreams from seeming impossible to being part of your future.

34. When it's about your money, do your own research

Others advice can be beneficial in many situations. There are a lot of financial experts who can guide you in the right direction with your money.

However, even if people mean well, you are the one who is most affected by your financial future.

You should never take anyone's word for it about what to do with your finances. Instead, research and get all of your questions answered before making an investment or spending on something important.

Apply these important life lessons to your finances!

As you can see, some of life’s most important lessons can also be applied to your finances. You simply have to look at the principle in each lesson, and you’ll see how they can help you become better with your money and your goals.

Not only should you apply these important life lessons, but it’s important to also find resources that can help you on your financial journey.

Increase your financial motivation by finding out more about investing and saving your money, in addition to having a great money mindset.

The post 34 Important Life Lessons That Will Change Your Life! appeared first on Clever Girl Finance.

]]>
Closing A Chapter In Life And Moving On: 7 Practical Tips https://www.clevergirlfinance.com/closing-a-chapter-in-life/ Thu, 22 Dec 2022 17:56:06 +0000 https://www.clevergirlfinance.com/?p=40728 […]

The post Closing A Chapter In Life And Moving On: 7 Practical Tips appeared first on Clever Girl Finance.

]]>

Closing a chapter in life

Change is a natural part of life but, for some of us, it can be harder than for others. Closing a chapter in life in order to move forward might seem like a gigantic challenge at times.

Whether you want to change the way you manage your finances or walk away from a toxic workplace, getting comfortable with ending things is vital.

In the following guide, we will delve into why it’s important to move forward and how you can start doing it.

Why do we find it challenging to move on?

Moving past the old and welcoming the new can be difficult. You may find yourself holding onto something in your life — even if it’s not doing you any good.

Whether it’s a job that you hate or a spending habit, it can be tough to let go of something that has become comfortable. There’s a reason that you struggle to move forward.

No change can mean less anxiety

Experts suggest that this is because we are in our comfort zone. Quoted from arraybc.com, a comfort zone is “a psychological state in which things feel familiar to a person and they are at ease and in control of their environment, experiencing low levels of anxiety and stress.”

Put simply, when you avoid changing things in your life, it is so that you can lower your stress levels. However, when the thing you need to rid yourself of is causing you stress, that presents a conundrum.

For example, if you always spend too much on expensive clothing and it’s getting you into debt, walking away from that problem will make you happier overall.

The importance of closing a chapter in life

There’s a lot to be said for closing a chapter in life and moving on. When we stay in one place, we may stagnate and not progress as far as we could.

While it’s human to want to hold onto comfortable situations, we need to learn when the right time is to quit something and move on. Here are some of the ways that taking this leap can help you improve your lifestyle.

Avoid repeating old patterns

Are you repeating the same patterns again and again? If you tend to find yourself in the same unfortunate situations — by your own choice — now is the time to stop things. Changing your perspective and attitude will help you redefine your future.

Make room for new experiences

The age-old saying by Alexander Graham Bell goes “when you shut one door, another one opens.” Before you can start having new experiences, you need to stop repeating the old ones.

Or you might be so busy dealing with the chaos that surrounds you that you can’t enjoy new things.

Change your financial future

Your financial future is in your hands, and it always will be. If you are caught up in old habits — such as overspending or failing to save — you can overcome those obstacles.

It is only when you start closing a chapter in life and moving on that you can do that. Learning from your past mistakes will allow you to make a solid financial plan for the future.

Figure out what you really want

What do you really want in life? Chances are, if you’re constantly repeating the same mistakes, you don’t know yet. People stick to comfortable situations when they are unsure of how to move forward.

It’s a common pattern but you have the opportunity to change it. When you close one chapter, you can stop, and consider how you want your story to go.

7 practical tips for closing a chapter in life

Now that you understand the importance of closing a chapter in life and moving forward, let’s go over how you can do that.

The truth is that you need to change your behavior and actions if you want different outcomes. Let’s take a look at seven small (but significant) things you can do that will help you switch the narrative.

1.  Focus on yourself

Before you can leave one chapter behind you, you have to change your perspective. Sometimes, it’s as simple as starting with why.

Why do you do what you do? Who are you doing it for?

Often enough, when we are hesitant to move forward, it is because of someone else. Perhaps you overspent to show off to others and got yourself into debt. Maybe you are staying in a bad relationship because you do not want to hurt the other person’s feelings.

Whatever the reason, you need to start focusing on yourself. When you’re clear on how you want your future to look — without considering everyone around you — you can start taking the steps to get there. Be selfish in a positive way, and think about what you want.

2. Reflect on what you’ve learned

We all make mistakes now and then but that shouldn’t hold you back. While it’s normal to mess things up, what matters the most is what you do next. When you’ve done something wrong, how do you fix it and start to move forward?

If it is time to close a chapter and move on, take a moment to consider what you have learned. In every experience that we have, we learn a new lesson that we can use.

For example, if you have always lived paycheck to paycheck but have no savings, that can be a scary position.

If your car breaks down and you need cash to pay for the repairs, you may find that you come up short! In that case, you have learned the value of saving and can apply that lesson to your future finances.

3. Avoid repeating the same mistakes

What you were doing before now wasn’t working and you should recognize that. For example, if you were running up debt from overspending, that was causing you a problem.

By acknowledging and accepting the mistakes you’ve made, you can start to move past them and avoid making the same mistakes time and time again.

4. Try journaling to stay on track

When you are struggling with change and closing a chapter in life, one of the best things you can do is journal.

Writing down the problem or the experience can be a cathartic activity. What’s more, there are many mental health benefits to journaling that you may not have expected.

As an added bonus, you can also use your journal as a financial planner. If the thing you want to change is your budget, you can write down your spending habits here.

5. Start a new hobby

Think about what it truly means to try something new. Research suggests that doing something fun, such as a hobby, can improve your mental health.

Look for hobbies that don’t cost a lot of money. You don’t want to ruin your finances by doing something expensive. Instead, you might want to try a free activity, a sport, or even volunteering opportunities.

6. Make some plans for the future

What would future you thank you for doing today? Can you make your life easier and, of course, happier as you get older?

If you are focusing on the past, you need to switch things up. Envision the financial future that you want and start working towards it.

7. Start tracking your finances

As you move into this new financial future, you should keep track of your progress. For example, if sticking to a budget is difficult for you, try looking at ways you can stay on track (even when it gets tough!).

For example, you might want to use a spreadsheet or app to see how much you’re spending on a month-by-month basis. If you have always been bad at monitoring your finances, this tip will help you to close that chapter of your life and move forward.

The more on top of your money you are, the easier this whole process will be. Think about which tracking approach will work for your lifestyle.

Closing a chapter in life can be an opportunity for something new

Does the idea of closing a chapter excite or scare you? When you start to clear out the old, unhelpful habits, you can make way for the new. That rule is especially true when it comes to your finances.

If your budget is not in tip-top condition, it’s time to make some positive changes. It’s only when you wave goodbye to bad financial habits that you can start better ones.

Whether it’s saving more or spending less, these practical tips can help you succeed!

The post Closing A Chapter In Life And Moving On: 7 Practical Tips appeared first on Clever Girl Finance.

]]>
How To Not Let Things Bother You: 6 Practical Tips https://www.clevergirlfinance.com/how-to-not-let-things-bother-you/ Wed, 21 Dec 2022 14:56:09 +0000 https://www.clevergirlfinance.com/?p=40829 […]

The post How To Not Let Things Bother You: 6 Practical Tips appeared first on Clever Girl Finance.

]]>

How to not let things bother you

Do you ever think about how much you get irritated by little things that happen? Well, if you know how to not let things bother you when they interrupt your day, that’s an awesome superpower.

It’s all too easy to let tiny incidents affect your mood. Some days things just don’t seem to go your way, or everything that happens is slightly wrong.

Luckily, you can train yourself to let things roll off your back without bothering you.

How small annoyances can bother you

First off, let’s talk about what those small annoyances might be. I’m not talking about major injustices like the gender wage gap, but about much smaller issues.

While your pet peeves may be different from your friends, these small annoyances are just things that get in your way.

When something slows you down, when someone misunderstands you, or when you get inconvenienced, those aren’t major life problems.

Annoyance examples

Do you find that you’re easily annoyed when:

  • Someone cuts you off in traffic
  • You can’t find the brand of snacks you wanted in the store
  • People don’t take you seriously
  • Your partner leaves every light on in the house
  • The kids wait until the last minute to tell you about their science project

There are a million things that could happen on any given day to throw you off. Basically, when things don’t go according to your plans, it can be very upsetting or frustrating.

While it’s normal to be bothered, here’s why you might want to stop letting things bother you so deeply.

Letting things bother you can have big impacts

You might first think about why this even matters. While these small annoyances might not be big by themselves, they can actually do a lot of damage.

It can cause direct harm to your health

When I think through what it means to let something bother me, the main word that comes to mind is stress. Letting things bother you on a daily basis can add to your stress levels.

Even though a bit of stress can be healthy, long-term or chronic stress can have serious effects on your body. That means that learning how to not let things bother you can be a form of stress prevention and management.

Excessive or long-term stress can cause depression, and lead to weight gain and a less effective immune system.

You can use these stress-relieving hobbies to help you prevent stress from overwhelming you, but another strategy is to stop letting things bother you.

It may lead to poor financial choices

Another negative outcome of letting things bother you is that you might not make the best choices. When you’re under a lot of stress because everything and everyone drives you crazy, you could make poor financial choices.

For example, some of us shop when we’re stressed out. “Retail therapy” isn’t all it’s cracked up to be, though.

Stress shopping could lead to high-interest debt, filling your house with stuff you’ll later need to declutter, and not reaching your other financial goals.

When you let things bother you, you might not take the time to think through decisions well. No matter how disciplined you are, you can still make unhealthy spending decisions based on feeling stressed and annoyed.

It can harm your relationships

If you tend to panic or get angry over small things that happen, what is that doing to your relationships? You may realize you need to learn how to not let things bother you when your relationships suffer.

Obviously, when things bother you, it’s okay to tell the people in your life about it.

I’m not saying you shouldn’t communicate your expectations to your loved ones. (If you didn’t, how would the dishes ever get done?) But you can’t be annoyed about every single tiny thing all day long.

Relationship problems will happen if you are always unsatisfied with life. You can’t expect to get along well with your spouse, your children, your friends, or your boss if you’re constantly angry.

Letting things bother you can be a huge source of tension in relationships, so it’s important to learn healthy ways of managing.

6 tips for how to not let things bother you

Now you are aware of how problematic small annoyances can be, why not try some tips for how to not let things bother you?

You won’t avoid all inconveniences or get people to stop doing annoying things (sorry)! But you can definitely take charge and improve your stress levels by changing how you respond.

1. Remember what’s in your control

Our first tip for how to stop letting things bother you is to remember what you can control. When you need to get back on track with anything — finances, family, health, career — you must know what’s in your control. You can’t control everything.

Let go of what you don’t control

Recognizing that you’re not in control of everything in the world is a freeing moment. Admit that there are forces outside your realm of control.

You can’t make annoying family members treat you more kindly or make all the stoplights green for your morning commute.

When you’re tempted to blow up in anger (or silently vent in your head) about something, try to think about the big picture. Practice mindfulness, take a deep breath, and remember that you don’t control it all.

If something is happening that you can’t change or stop, see if you can let it go. This can be really tough — of course, you want to manage your life and your future. But you can lower your annoyance level by recognizing that you can’t control it all.

Fix what you can

The other side of this is that you can do quite a few things to make life better. You might not be able to instantly stop being poor, because that’s a complicated thing. But you can make small choices that will make a big impact on your finances.

If there’s someone in your life who constantly causes stress and irritation, try to fix what you can. See whether taking a different approach with that person would help the situation.

Know that you can't control other people's behavior

A lot of conflict in our lives comes from interactions with others, so knowing that you can’t control others’ behavior is helpful.

Whatever the problem is, it does little good to focus on the things you can’t change. You’re better off spending your energy on actions you can take to make life better.

2. Set clear boundaries with others

Here’s another idea for how to not let things bother you. Too often, do you find yourself annoyed because a friend keeps doing the same things to you? You need to set boundaries with the people in your life.

Maybe your friend is always five minutes late for your monthly coffee date and you sit at the table fuming about it. Instead, you could accept that she’s perpetually late and plan to read a good frugal living blog while you wait.

Decide what you will and won't accept

You can help avoid letting things bother you by setting healthy boundaries in friendships and other relationships. It’s not your fault if someone continually bothers you with their behavior, but you must decide what you’ll tolerate.

Boundaries aren’t rules that you set for other people. Rather, they’re a decision you make for yourself about what you will and won't accept. So you can set boundaries by talking to your friends and family about what you need and want.

Setting healthy boundaries might mean not agreeing to split the cost of an expensive weekend trip. It may mean saying that you’ll come to the party, but you won’t drink alcohol. The key is to stay focused on your goals even if others are unsupportive.

Stop sharing your goals with everyone

Here’s something a lot of us have problems with when it comes to boundaries: We overshare. If you’re someone who always shares your biggest life goals with everyone, you’ll likely get hurt.

Something that might bother you would be when you excitedly tell someone about your new business plans, and they just aren’t impressed. They don’t see the point of your business, or they warn you of how hard it is to succeed.

Know that not everyone will be supportive

Setting big goals is admirable and you should not hold back! Be bold and go for your dreams.

But…not everyone in your life will understand or support you in the way you’d like. This can lead to frustration on your part.

A part of good boundaries is knowing who to tell about your biggest hopes, dreams, and goals. You can avoid a lot of disappointment by being discerning in who you share your goals with.

Sara Blakely, the uber-successful founder of Spanx, has said that in the earliest days, she kept her business idea a secret. She knew that her family might (lovingly) try to stop her from taking a risk.

You may want to do the same with your big ideas. Find one or two people you trust completely, but don’t feel you have to share your goals with everyone you know.

Say no

How can saying “no” help you to learn how to stop letting things bother you? This is another great strategy that goes along with boundary-setting. When you say no to things, you set a boundary of what you’ll do with your time.

If you can say no to things that aren’t important to you, you might be less likely to let things bother you. Here’s why.

Let’s say your child’s teacher asks you to bake 30 cupcakes for tomorrow’s class party. If you say yes after you’ve already provided snacks for three parties this year, you’re probably resentful.

But if you simply say no right away, you let the task slide to someone else. You don’t have to be responsible for everything, and it’s okay to say no. Instead of silently simmering about the teacher asking you (again) or being annoyed with the other parents, make the choice to say no.

Whatever the situation, saying no can help you avoid letting things bother you. It may be hard to say no, especially if you’re a people-pleaser.

But for your own health, you can say no. You’re setting a boundary and letting go of control.

3. Assume the best about others

Whenever random moments are causing stress throughout your day, you can flip your perspective. Instead of growing angry at people for their mistakes, try to assume the best about them. You might call this giving them the “benefit of the doubt.”

Practice empathy

Part of the task of assuming the best means trying to see things from another’s perspective. Empathy is when you have the ability to understand and share the feelings of another.

Learning how to be non-judgmental is a great strategy for not letting things bother you. Practicing empathy, or seeing things from another’s point of view, means you understand they might be having a tough day.

If someone cuts you off while driving, you may not know why. But it doesn’t do any good to get road rage. Instead, try to assume good things about that person, and imagine that they may be hurrying due to an emergency.

Whatever is bothering you about another person, empathy can diffuse your anger. You’ll start to see the person as being like you, and you’ll have compassionate thoughts about them.

Remember that everyone makes mistakes

Along the same lines as empathy, you can remind yourself that we all make mistakes. I’m not saying you should engage in negative self-talk. But it’s easier to assume the best about others when you remember that you aren’t perfect.

Reminding yourself that you are flawed, just like everyone else, may help you to give more grace. When someone drives you crazy, keep in mind that you probably drive them crazy at times too.

We’re all human, and everyone makes mistakes. People will disappoint you — it’s a guarantee. The next time a friend or family member does something you dislike, try to remember that. You’ll be more forgiving and patient, and it’ll help you keep your own stress down as well.

4. Talk or write about your feelings

Another strategy for how to not let things bother you is to find an outlet to express yourself. Often this happens through talking out loud or writing about how you feel. Expressing your frustrations can surprisingly lower your frustration level.

Journal about what bothers you

A great way to improve mental health and learn how to stop letting things bother you is journaling. Writing in a journal or diary lets you spill out your emotions about what has happened. It’s a means of processing your emotions and your life.

The University of Rochester Medical Center explains that when you journal, it “can help you gain control of your emotions and improve your mental health.” When little things in life are bothering you, journaling allows you to manage that stress and anxiety.

Journaling as a form of self-care means writing down your thoughts and feelings in a non-judgmental way. It can help to pour out everything that’s bothering you on paper. Somehow, after journaling about something upsetting, the problem often seems to shrink.

Things that bother you won’t go away with a journal. But you may find that you’re able to let things go more quickly, see things from other people's perspectives, and enjoy lower stress levels.

Talk to people you trust

A similar tactic to journaling is simply talking with someone you trust. When learning how to not let things bother you requires that you communicate with other people at times.

The best person to talk with may not always be the person who did the annoying thing. In fact, sometimes in the heat of the moment, the best choice is to walk away and say nothing. But talking with a trusted friend offers similar benefits to journaling.

Talking it out with a good friend can help you gain perspective on your problems. When things bother you, they can remind you of what’s real. You might be tempted to exaggerate a problem, while they can show you that the problem is smaller than you think.

5. Stay focused on gratitude

Our next tip for how to not let things bother you is to return to gratitude. Cultivating a grateful spirit will offer a much-needed perspective on the little things you don’t like in life.

Gratitude can remind you of how lucky you are

First of all, gratitude opens your eyes to what is good and happy in your life. Practicing gratitude helps you to remember all the blessings you have. Keeping a daily gratitude list is one way to accomplish this.

When you’re irritated beyond belief about some inconvenience, it can be hard to be grateful. But most of the time, you’ll find that you have more to be grateful for than to be angry about.

Remember how fortunate you are. Whether you keep a gratitude journal, or you pause to give thanks in your mind at specific times each day, gratitude is a great tool.

Learn to appreciate things in life, instead of being bothered by the little things. Notice things like a cardinal perched outside your windowsill, a spontaneous hug from your teenager, and a great cup of coffee at the start of the day.

Gratitude takes your focus off what bothers you

A practice of gratitude is so useful because it shows you what is positive and helps you to shift your focus. Don’t waste time worrying about the little things.

You can build contentment into your life by taking your focus off the bad moments. Which doesn’t mean you deny that sometimes life can be hard. But usually, dwelling on the negative doesn’t accomplish much other than to make you angrier.

The next time you find yourself reacting in frustration to an unruly child or a rude customer, try gratitude instead. Take a deep breath and think through how lucky you are.

You can improve your mindset around money, family, work, and everything else by cultivating gratitude.

6. Try to see the humor in things

Finally, when nothing seems to help, see if you can find humor in your circumstances. Sometimes you just need to laugh about things that are ridiculous or unfair. Laughter is a great cure for what bothers you.

Humor can improve your mood

This may seem obvious, but allowing yourself to see the humor in your situation can improve your mood. Laughter has health benefits like helping you to relax, improving your immune system, relieving pain, and elevating your mood.

It can be hard to manufacture laughter on cue, but trying to see a humorous side to the annoying situations can help. Laughter can make it easier for you to cope with difficulties.

Just as some of us need a funny quote to help us make good choices, you might need to try laughter when you’d normally be upset.

Find reasons to laugh every day

It’s also a good idea to find ways of laughing more throughout your day. Don’t only aim to find humor in annoying situations, but cultivate humor all the time.

That may mean avoiding heavy subjects in books you read and shows you watch. You might make plans with a friend who always knows how to make you laugh. Whatever you do, enjoy the life you have.

Humor can make problems seem smaller

By turning your perspective to see the humor, you can shrink your problems (at least in your mind). Recognize that there’s often a funny side to life, and open yourself up to how you can grow from inconveniences.

When you learn to see humor, you learn how to not let things bother you. Even though you still have that toxic coworker or frustrating relative, you can respond differently. You can laugh about it when things don’t go your way.

Those little things that bother you often won’t matter in a week, much less in a year or ten years. So try to have some perspective — things probably aren’t as bad as you think.

Using a sense of humor can help you stop letting things bother you so much. You might even get some good stories out of those bothersome moments.

Use these tips for how to not let things bother you starting today!

Since you can’t avoid conflict completely, learn how to not let things bother you. The little moments that bug you aren’t always that big of a deal.

Try these six tips to stop letting things bother you and enjoy a more relaxed existence. And to apply this idea to your finances, find out how to manage debt stress and set boundaries with your money!

The post How To Not Let Things Bother You: 6 Practical Tips appeared first on Clever Girl Finance.

]]>
How To Start A New Chapter In Life (It’s OK To Start Over!) https://www.clevergirlfinance.com/new-chapter-in-life/ Fri, 16 Dec 2022 13:01:15 +0000 https://www.clevergirlfinance.com/?p=40809 […]

The post How To Start A New Chapter In Life (It’s OK To Start Over!) appeared first on Clever Girl Finance.

]]>

Starting a new chapter in life

Starting a new chapter in life might be scary, yet it's a necessary journey that we all go through. After all, life is about making progress and moving forward. And that comes with change.

Whether the change is moving to a new city or working toward a new financial goal, we’ll all start something new in life that we’ll have to prepare for.

Sometimes these changes are by circumstance. Other times they’re by choice. Either way, it’s ok to start over and experience something new.

What does it mean to start a new chapter in life and why is it important?

Starting a new chapter is symbolic of the decision to do things differently. This decision is often marked by a significant date or event– like starting new goals on January 1st.

A new chapter is important because it is a sign of growth. It means that we’re ready to progress to something that will make us better.

So how can you really know when it's time to begin a new chapter in your life and finances?

When to start a new chapter in your life and finances

There are four common signs that it’s probably time to start a new chapter, specifically in your finances.

You’re feeling stuck

The feeling of being stuck is a great indicator that it’s time to do things differently.

For example, you may be stuck financially due to debt and past money decisions. This could mean that you’re living paycheck to paycheck and can’t break out of the cycle.

In order to no longer be stuck, you’ll need to start a new chapter of managing your finances differently. This means changing your financial habits and no longer doing things the way you’ve done them in the past.

You want more out of your life

There’s nothing wrong with wanting more in life. So, when you have this feeling it’s a sign to start a new chapter.

For instance, you may want to travel, buy a home, or even afford to buy luxury items.

If you’re currently not able to afford those things, a new chapter could mean starting a new job to increase your income or beginning a minimalist lifestyle.

It's the natural progression in your life

There are natural progressions that happen in life that initiate new chapters. For instance, graduating from college or becoming an empty nester.

Both of these may have a significant effect on your finances that you’ll need to account for.

Graduating from college may be the start of student loan repayments. While becoming an empty nester may result in downsizing your home.

Each of these life progressions is a new chapter in your life and finances.

You’ve experienced significant life changes

Just as you’ll experience natural progressions in life, you’ll also experience significant life changes.

Some examples include:

These significant changes will require you to start a new chapter in your finances.

For instance, getting married may mean combining your finances and managing money with your partner. While getting a divorce means starting a new chapter of handling your finances independently.

Although some life changes aren’t ideal, they can be the starting point for a positive new chapter.

Whatever your reason for starting a new chapter, here’s what you need to do.

7 Steps to starting a new chapter in life and in your finances

There are many different reasons why you may be starting a new chapter in your life. Nonetheless, the process for making any change will be the same no matter what.

There are seven important steps that you should take if you truly want to start over. Following these steps will ensure that you don't fall back into past patterns or behaviors.

1. Reflect on where you currently are

Every change begins with reflection. This is where you recognize where you currently are in your finances and life in general.

Here’s how to determine where you are, financially.

  1. List out all of your financial assets and their current value. This includes bank accounts, investments, and real estate property.
  2. List out all of your debts and their amounts.
  3. Write down how much income you’re currently earning.
  4. Layout your current expenses and review your spending.

This will give you an overall picture of your financial state. Next, review this information and determine what you want to change.

2. Determine what you want to do in the future

The whole point of starting a new chapter is to experience life differently. But in order to do so, you must get clear on what you want that experience to be.

This requires that you really sit down and think about where you'd like to be in your life and finances. Without this guiding light, you may find yourself repeating old habits that will keep you where you are.

Be very clear with this so that you can create specific goals for yourself.

3. Write down your plan

Once you know what this new chapter in life will look like, it’s time to plan.

Planning is a matter of determining the steps necessary for getting from where you're at to where you really want to be.

For instance, you can create a financial plan that includes:

Your plan should clearly lay out exactly what you will do on a continuous basis in order to achieve the goals that you set for yourself.

4. Take daily actions toward your goals

It’s not enough to write your plan down. You actually have to execute it by taking daily actions. Change and progress come from what we do on a daily basis.

It’s not always easy to change our habits, though. That’s why putting systems in place helps make sure that you are making progress toward your goals.

Some systems that you can leverage include automating aspects of your finances. For example, you can automate your savings, bill payments, and even your investments.

You can also time block and add reminders to your digital calendar to do things like updating your budget so that you don’t forget.

Doing so ensures that you are taking action toward your goals and according to your plan without having to think about it!

5. Get support & accountability

Change can be hard to navigate alone. So enlisting accountability and support is important.

Whether that’s family, friends, or even an online community—having other people who support you in your new chapter will help make the change easier.

Thankfully, Clever Girl Finance has a community of women who are eager to support you as you start a new chapter in your finances!

6. Invest in learning

If you haven’t made investing in learning a part of your plan, then it should be! Starting a new chapter in life will require you to have completely new skills and knowledge that you didn’t have before.

The good news is that learning doesn’t have to be expensive. Simply reading articles like this, books, or listening to podcasts can help equip you with the skills and knowledge that you need to be successful.

So what do you need to learn for this new chapter in your life?

7. Give yourself grace

The most essential thing that you can do as you start a new chapter in your life is to give yourself grace. Change is hard and it's likely that you will make mistakes or even fall back into bad habits.

If this happens, be kind to yourself. Don't dwell on what went wrong. Instead, pick back up where you left off in your plan and move forward.

It's also a great idea to reflect on what happened to cause you to get off track so that you don't make those same mistakes again.

Begin your new chapter in life today!

Remember that it’s ok to start over with a new chapter in life—especially with your finances.

The great news is that you don’t have to do it alone. Whether it's starting your new chapter of getting out of debt, starting a new career, or even just getting started with budgeting, we have resources to help you.

The post How To Start A New Chapter In Life (It’s OK To Start Over!) appeared first on Clever Girl Finance.

]]>
How To Be Non-Judgmental https://www.clevergirlfinance.com/how-to-be-non-judgmental/ Tue, 22 Nov 2022 14:16:43 +0000 https://www.clevergirlfinance.com/?p=38806 […]

The post How To Be Non-Judgmental appeared first on Clever Girl Finance.

]]>

How to be non-judgmental

How to be non-judgmental in a world where social media lets us in everybody’s business? It feels impossible. Seriously, it’s so much easier to criticize and ridicule others, and it even makes you feel good about yourself sometimes.

But if you can’t look in the mirror without judging yourself – your eyes zeroing in on the ear that sticks out or on your stomach - then, it’s not doing you any good, right?

So, let’s talk about how to be the opposite of judgmental.

Understanding judgments

It’s human nature to notice and be alert to what’s happening around you. That’s how our ancestors survived.

Our instincts – quick judgments of people and situations – keep us safe. Observing others around you is also a great way to learn. This is why a kid can watch their parents do something and copy it even without specific instructions.

Being mindful and interested in what others are doing and how they’re doing it also helps you grow and evolve. For instance, you use a person you admire as an example or inspiration to achieve a goal you set for yourself.

Judgments are also productive when we use them to call out harmful behaviors that can negatively impact the community.

Why we judge

When we strip all the layers, we find that judgments come out when we don’t feel safe. That’s why psychologists say that our judgments are either a deflection or a projection.

We judge to avoid feeling the emotions that our society deems as negative like disappointment, sadness, jealousy, envy, and anger.

It’s unfortunate that we were taught that having these emotions make us “bad” people instead of normalizing them as part of being human.

So, in our attempt to bury these uncomfortable feelings, they spill over as judgments.

Furthermore, the things we criticize about others are the things we hate about ourselves. This is because it’s easier to look at others and judge than sit with ourselves and accept that we do the very same thing that we dislike.

Benefits of being the opposite of judgmental

We understand that not all judgments are bad. However, most judgments are negative and that’s when it becomes harmful to our well-being.

It can be difficult to feel joy when your days are littered with negative things you think or say about others and yourself. So, what can you gain if you learn how to be non-judgmental?

Being non-judgmental makes you healthier

If you don't judge that means you’re not easily disturbed by what others say or do. In doing so, your nervous system doesn’t get activated constantly during the day.

When people feel strong emotions, such as frustration, anger, or anxiety, they experience physical and mental effects. For instance, anger releases cortisol and adrenaline into the bloodstream, which over time, can block the body’s ability to heal.

In addition, anger can cause headaches, high blood pressure, and exhaustion which can weaken a person’s immune system.

Being the opposite of judgmental enriches your life

When you’re non-judgmental, you take everybody at face value. You don’t make assumptions about them – you get to know them before passing judgments. And doing this benefits you too!

Learning how to be non-judgmental can help you have better relationships. How so? Well, it can be challenging to be in a relationship with someone who’s always critical of you, right?

But if you don't judge, then your friends and family know that they’re safe to be vulnerable with you. They can share intimate details of their mistakes and bad decisions without being ridiculed, which leads to deeper, closer relationships.

Furthermore, being the opposite of judgmental helps you be open to new experiences. It makes it easier to meet new people or visit a place you’ve never been to before.

Setting your judgments aside will let you immerse yourself in these new experiences. And by going in without any assumptions or expectations, you may find them more exciting and enjoyable.

Tips on how to be non-judgmental

Being judgmental is a habit that can be unlearned. Although it would take quite a bit of reflection and observation, you’ll be the first recipient of the rewards. So, there’s really nothing to lose and everything to gain in learning how to be non-judgmental.

Here are some ways to do this:

Understand where your judgment is coming from

Awareness is an important stage of learning how to be non-judgmental. So, when you catch yourself assuming something negative or mean about someone, examine it.

As discussed above, most of our judgments are things we hate about ourselves. Or we’re using them to block an unwanted emotion such as envy or disappointment.

Don’t judge yourself for saying it or thinking it. Instead, use your judgments to get to know yourself better.

I used to judge my friends and other people online who share perfectly staged photos as shallow and fake. When I explored why I feel this way, I realized it’s because I want to do the same.

My thought process went like this: “I’ll call you shallow and fake because I’m scared to do what you’re doing. I don’t really want to put myself out there and bear the criticism of anyone who’ll think the same of me.” It was all an attempt to protect myself.

Be honest with yourself

Unfortunately, making an effort not to judge requires a lot of honesty. It can be uncomfortable to meet the “angry, envious, or whiny” version of yourself.

But it’s a deeply fulfilling endeavor that could really transform your relationship with yourself and with others.

Work on self-acceptance

The journey of learning how to be non-judgmental begins with self-acceptance. Because, ultimately, you can only give to others what you give yourself.

It means you can’t fully accept other people as they are if you’re so critical of yourself. When you really think about it, where would the love and acceptance of others come from if you can’t give it to yourself first?

When you learn to accept and love yourself – as you are today, not when you are “the best version of yourself,” then, you open yourself to give and receive love on so many levels. That's when it becomes easier to be non-judgmental.

For many of us, this work can be difficult to achieve without professional help – aka therapy. But reading books is a great place to start.

I also suggest following the work of Dr. Nicole LePera. One of Dr. LePera's newer books, How to Do the Work, also includes practical practices on meditation and mindfulness.

In addition, some other excellent reads for self-reflection and acceptance are Oprah's The Wisdom of Sundays and More Than Enough by Elaine Welteroth.

Expand your circle

The work of exercising how to be non-judgmental is both internal and external. One good way to practice is to expand your circle. This includes trying to get to know people you don’t typically hang out with or those who have different beliefs than you.

If you’re an introvert who dislikes how loud others can be, this is an invitation to engage and befriend someone who’s the opposite of you.

Be curious about other people’s cultures, what they eat, and how they live, as well. You may find that you have more in common with someone who grew up in a different country or part of the world than you think.

Lead with empathy

Not judging means not labeling people as good or bad. And you don’t have to understand why someone lives the way they do to accept them as they are.

When you lead with empathy, you see people as humans capable of making mistakes and doing great things. You understand that we are all simply trying to do our best with what we have and what we know.

This is not to say that you should excuse bad behavior. Sometimes, other people’s best is just not good enough.

But when you practice being the opposite of judgmental, you’re not weighed down trying to figure out why people are how they are. You just accept it.

But you can still choose not to engage or be friends with someone who doesn’t treat you right.

Keep calm and be non-judgmental

Learning how to be non-judgmental forces us to reflect and get to know ourselves better. It also calls for us to open ourselves to new experiences as well as be curious about others.

Being non-judgmental is a constant practice of reminding ourselves that most people are doing the best they can. And they falter and fail as any human would.

Lastly, remember that in all these, the person who reaps most of the benefits is you. Remember to keep learning and be kind to yourself and others.

The post How To Be Non-Judgmental appeared first on Clever Girl Finance.

]]>
How To Let Go Of Attachment To Material Things https://www.clevergirlfinance.com/how-to-let-go-of-attachment-to-material-things/ Wed, 16 Nov 2022 14:53:11 +0000 https://www.clevergirlfinance.com/?p=38452 […]

The post How To Let Go Of Attachment To Material Things appeared first on Clever Girl Finance.

]]>

How to let go of attachment to material things

When you look around your home, you may see a lot of items and material things, and maybe you want to make a change. But learning how to let go of attachment to material things can be a challenge.

The reality is most of us are tied to our material possessions in some way. Whether we are overly attached to the items around our house or some of our bigger purchases, letting go of that attachment is often easier said than done.

Let’s explore how to let go of material things.

Why should you learn to let go of material things?

Before we dive into the mechanics of how you might break your attachment to material things, it’s important to consider why you should go down this path in the first place. For most of us, it’s easier to pursue a goal when there is a reason behind the choice.

Although there are many personal reasons to let go of an attachment to material things, here’s a closer look at two of the universal reasons that stand out.

It can be stressful

When you think of your material possessions, your mind might not immediately jump to stress. After all, you might think of the enjoyable feeling you had when walking out of the store with your purchase. But after that initial high point, hanging onto a surplus of items can end up adding stress to your life.

Items take up space

The items you hold onto will most likely take up space. In some cases, this can mean needing to upgrade to a larger home or rent a storage unit.

With either option, the simple act of hanging onto extra stuff may require you to shell out more money. Finding the funds you need for this choice in your budget can add unnecessary financial stress to your life.

They need maintenance

Beyond the storage requirements of extra stuff, the items you hang onto may need ongoing maintenance.

For example, if you have a recreational vehicle, like an RV or boat, either will likely require significant ongoing maintenance that may drain your time and your wallet.

Other things, like a larger home, will also require extra maintenance, which can add stress to your life.

More items mean more clutter

Plus, having extra things in your home can make it a challenge to find what you actually need. If you live in a state of clutter, finding a tool or pair of shoes can suddenly become an issue.

It can be expensive

Buying and keeping things can create a dent in your bank account. Whatever your reasons for an attachment to material items, it’s easy to fall into a pattern of always wanting more. That's why it's essential to learn how to let go of attachment to material things.

There's always something better or newer to buy

And the reality is that there is always a better version of your possessions out there. For example, you might buy a dream designer purse in one season. But by the time the next fashion cycle rolls around, it’s possible your current purse is outdated.

If you try to keep up with the trends, you’ll have to fork over the money for another purse.

But this reality goes beyond purses. You can always find a bigger house, a faster car, and more trinkets for your hobby. When you get caught in a cycle of attachment to material possessions, the costs can add up quickly.

Steps for how to let go of attachment to material things

If you are ready to make a significant change, that’s a great place to start. Learn how to let go of material things using these ideas.

Journal about your material attachments

If you have a deeply rooted attachment to material items, understanding your connection to these things can make all the difference.

Without a clear picture of where your attachment stems from, it can be difficult to find out how to let go of attachment to material things.

With that in mind, consider journaling about your material possessions. You might be surprised, but journaling is associated with many positive impacts on your mental health. One of these benefits is the ability to sort out what you really think about a situation.

When it comes to your material attachments, consider journaling about the difference between things you need versus things you want. Additionally, try to discern why you are attached to items that you don’t necessarily need.

Start by letting go of easy things

Some things are easier to let go of than others. Instead of jumping off the deep end, start by getting rid of some easy things first.

A few of the items that might be easier to get rid of include unnecessary papers, magazines, and clothes that don’t fit. While going through these items, getting rid of some should be relatively painless.

When it comes to getting rid of things, practice makes perfect. After clearing out your house of things you know you don’t need, it’s time to start looking at what’s left.

Avoid comparisons

Comparison is the thief of joy, claimed an unidentified source in our history. Although the origins of this quote were around well before social media, the ability to constantly compare yourself to the best version of your family and friends has made the threat of comparison even more true.

If possible, try to avoid comparing your material possessions to those of others. The reality is that someone will likely have a better version of your possessions. Instead of harping on the difference, focus on what makes you happy.

When constantly comparing yourself to others, it’s easy to want more things. Avoid the temptation by cutting back on your social media consumption.

Be careful with sentimental items

Sentimental items are one of the biggest traps for material attachments. After all, you associate the item with a good memory of some kind. But leaving all of your sentimental items in a pile of boxes isn’t necessarily the right move.

Start the process of letting go slowly. You might decide to display items that really matter to you.

Or choose to keep one item of many to represent your emotional tie. If you have other loved ones who may enjoy the items, consider sharing your wealth of sentimental items.

That way you can learn how to let go of attachment to material things without losing every sentimental item.

Count your blessings

It’s easy to think about what you don’t have. But counting your blessings is an exercise in remembering to be grateful for what you do have.

Consider setting aside a few minutes to think about the blessings that you do have. Although you can just count up what you have in the house, it’s also helpful to think about how far you’ve come.

For those that have made significant progress towards their lifestyle goals, counting your blessings can help you determine when you have enough to enjoy.

Nurture a positive state of mind

A negative state of mind is more prone to pulling your thoughts toward what you don’t have. In contrast, a positive state of mind will help you remember what you do have, and help you with how to let go of material things.

It’s not always easy to be positive, especially in our negative world. But a positive state of mind can make all the difference.

A few ways to nurture your positive mindset include celebrating yourself, eating well, and finding a way to bring more fun into your life.

Donate items to a cause you care about

For many, the idea of throwing away a perfectly good item goes against everything they believe in. Luckily, there are many ways to give your unused items a second life, and it can be helpful when starting to learn how to let go of attachment to material things.

Instead of hanging onto items you don’t need, donate them to a cause you care about. Many thrift stores take donations to sell in support of a good cause.

If you don’t have a particular charity or cause in mind, consider finding friends that might appreciate the item. Personally, I remember that a bag of hand-me-down clothes was always a fun treat growing up.

Knowing how to let go of attachment to material things can improve your life!

An attachment to material possessions can hold you back from achieving your goals. It can be difficult to move in the right direction if you have a burden of items holding you back.

But when you apply what you've learned here, you'll find it easier to move forward with whittling down your possessions.

If you are unsure of the challenge, try starting small. Even very small steps in the right direction will eventually get you to the finish line. And this can help you experience more contentment and a more intentional life.

The post How To Let Go Of Attachment To Material Things appeared first on Clever Girl Finance.

]]>
Reacting Vs Responding: How To Respond Not React https://www.clevergirlfinance.com/how-to-respond-not-react/ Mon, 24 Oct 2022 13:39:22 +0000 https://www.clevergirlfinance.com/?p=37069 […]

The post Reacting Vs Responding: How To Respond Not React appeared first on Clever Girl Finance.

]]>

How to respond not react

When was the last time you reacted instantly in a difficult situation and immediately regretted what you said or did? If you’re like most of us, something probably comes to mind right away. If you’d like to learn how to stop this practice and instead learn how to respond not react, you’ve come to the right place!

We’re going to talk all about reacting vs responding, how not to react when something triggers you, and go over a few common ways this shows up in life.

Reacting vs responding – what is the difference?

Instinctively, you probably know the difference between reacting and responding. Here’s some more detail on what it means:

Reacting

On a basic level, reacting is a knee-jerk reaction to something. You see or hear something, and before you’ve even had a chance to consciously think about your next steps, you’ve reacted.

Reacting can cause you to say and do things you didn’t really want to say or do.

Do you ever look back and wish you hadn’t said or done something? If so, you probably reacted. While hindsight is always 20/20, there is another way to act, and that is responding.

Responding

Responding is a more thoughtful approach to your actions. When responding, you don’t immediately jump in and speak out or take action when you see or hear something. Instead, you take a pause and deliberately think before acting.

While responding doesn’t mean you’ll always say the right thing and never look back and wish you’d acted differently, it does mean that you will be less likely to regret your actions.

Respond don’t react – why does it matter?

You may be wondering, why does any of this matter? Well, as we’ll discuss below, you’ll face tough situations in life all the time.

From relationship issues to career decisions to your finances, you’re bound to encounter a problem that you can either react or respond to. If you respond instead of react, you’re more likely to look back on your actions and not have any regrets.

How not to react – can it be done?

Now that you understand what it means to respond as opposed to react and why it matters, you probably want to know what to do with that information. How do you put this into practice?

While the concept is quite simple, responding is not taught to most of us. It’s actually a skill you have to learn and practice!

Just like we aren’t born knowing calculus, neither are we born knowing the best way to respond. And, just like you probably forgot calculus right after high school (if you’re like me, at least!), you will also lose the skill of responding if you don’t put it into practice.

The good thing about responding is (unlike calculus), it’s really helpful in your everyday life. So, let’s dive into the step-by-step process of how not to react!

How to respond not react in four steps

There are four steps you can take in any situation in order to respond not react. Once you understand this process, it’s important to practice it.

Remember, you can’t just read these steps once and magically implement them in all situations. It takes some practice to get the hang of it, but in time, you definitely will!

This four-step process of responding doesn’t take much more time than reacting. In fact, it’s all internal and takes just a split second or so.

Nobody else will even notice what you’re doing! It’s like a secret skill to add to your mental health toolbox.

Let’s dive into the four steps!

1. Gain awareness of what has happened

Before you even utter a word, make a move, or act, the primary step is to be aware of the situation. Gaining awareness is all about mindfulness.

What is mindfulness? Essentially, it means being aware of the present moment. It involves paying attention to things that trigger you and stopping yourself from acting on that trigger.

Mindfulness is a practice. It’s more of a state of being than an action you take.

It can be cultivated over time, and the more you practice this, the better you will get at gaining awareness. Then, you can move on to the second step – pausing before taking any action.

2. The key to mastering how to respond not react: take a pause

Once you’ve gained awareness of any situation, in order to respond not react, you must pause. It doesn’t even have to be long, but you must consciously pause and let your immediate reaction pass.

The easiest way to do this, especially as you develop your new responding practice, is to take a breath (or a few). Breathing is an effective way to bring yourself back to the moment, take a pause, and prep yourself for the next step.

3. Consider possible responses

After becoming aware of your trigger and stopping yourself from reacting, it’s time to decide how you want to respond. Unlike reacting, responding is a conscious choice. You consider your next steps or your next words.

Just like the pause, it doesn’t have to take much time. You can go through a few responses in your head, or perhaps you will just know the right one because the pause was all you needed. Either way, consider how you want to respond.

4. Act on what feels right to you

The final step is to do what feels right. How do you want to show up? How do you want to act?

What response will make you feel good about yourself? That’s the goal of responding.

By choosing your response and not acting on impulse or reaction, no matter the outcome, you’ll know that you took a moment to choose your action and that will always feel better than reacting without thinking.

Does learning how to respond not react mean you’ll always say or do the right thing?

Mastering these steps doesn’t mean you will always have the “perfect” response in every situation. But, it will guarantee that you will have a more thoughtful response and one that you will be satisfied with more often than not.

Respond don’t react – putting it into practice

What does responding not reacting look like in real life? Here are a few scenarios you might encounter and what it looks like to react vs respond:

Saying yes when you mean no

A classic reaction is when you say yes to something but you don’t really want to do it.

Let’s say you’re asked by a parent at your kids’ school to join a committee. You react – out of pressure or guilt – by saying yes even though you don’t want to. Now you’re stuck doing something you don’t have the time or the interest for.

But what if you respond instead? By taking a pause and responding, you’ll be more likely to say how you really feel. No, you cannot help out this time, but you’d be happy to do something else in the future.

Getting angry at your partner

Relationships are another area where reacting vs responding comes up all the time.

When something happens in your relationship that you don’t like, like a partner coming home from work late without an explanation, your tendency might be to react. This might look like yelling or even accusing the other person of cheating.

If this happens, do you know how not to react? To respond instead? Responding might look like taking in the situation, recognizing you feel triggered, taking a breath, considering your possible responses, and then acting with intention instead of on emotion.

Perhaps instead of accusing your partner, you ask questions to get more information, and the situation is diffused instead of escalated.

Calling out a coworker

Another space where it pays to respond instead of react is at work. Have you ever experienced a coworker who blames you for a mistake in front of a client or a boss? Your immediate reaction might be to call them out in anger during a meeting.

But your response, once you consider the situation, might be different. Perhaps you realize that it would be better to pull your coworker aside after the meeting instead of making a scene in front of the client. Whatever you choose, responding will always be the very best route to take.

Making a financial mistake

Lastly, you can also practice the mantra of “respond don’t react” when it comes to your finances. Maybe your bills are starting to pile up and you don’t think you can afford to pay them off.

Your immediate reaction is one of panic – how will you make these payments? Acting on that reaction, you open up a high-interest-rate credit card to cover your expenses and put the issue out of your mind.

What if you practiced how to respond not react instead? You’d let the initial reaction pass and take a moment to really think about your options.

Can you dip into your emergency savings fund temporarily to pay the bills? Pick up an extra shift at work? What other options do you have that are better for your long-term finances than opening up another credit card?

Whatever you choose (even if you decide that opening a new credit card is the right route to take), by responding instead of reacting, you’ll know you’ve made the best decision for yourself.

Learning how to respond not react is key to living your best life!

A simple mindset shift, like how to respond not react, can really be a game-changer in your relationships, your career, and your finances.

By implementing this small change, you’ll start to see improvements in every aspect of your life. Remember, respond don’t react!

The post Reacting Vs Responding: How To Respond Not React appeared first on Clever Girl Finance.

]]>
7 Simple Habits To Improve Your Self-Discipline https://www.clevergirlfinance.com/7-simple-habits-to-improve-your-self-discipline/ Mon, 23 May 2022 10:00:00 +0000 https://www.clevergirlfinance.com/?p=7782 […]

The post 7 Simple Habits To Improve Your Self-Discipline appeared first on Clever Girl Finance.

]]>

Learning how to master self discipline is difficult. I mean, even knowing how to build discipline as an apprentice is hard!

The good news is even if it can sometimes seem as though it’s difficult to control certain actions and behaviors, you can. You just don’t know it yet. All you need to do is learn some self discipline tips.

How to improve self discipline

Self discipline is one of those things that requires ongoing practice and nurturing, as with anything that takes time to develop. With practice, you too can find out how to improve self discipline. But first, let’s get into what self discipline is.

What is self-discipline?

Self discipline is essentially your consistent ability to control your actions, feelings, and emotions. When it comes to your finances, it’s your ability to stick to your plans of paying down debt, saving, and investing.

Once you learn how to master self discipline behaviors, you’ll stay motivated and are more likely to achieve success. So it’s very strongly connected to willpower, which is the control of one’s impulses and actions.

Willpower is how you stay focused on a task, while self discipline is more about when you take consistent action in advance to strengthen willpower. Both self discipline and willpower go hand in hand.

Benefits of self-discipline

There are a lot of positive reasons to become a disciplined person. Improving self discipline has many benefits I’ve listed below.

Decreases anxiety

When you are in control of how you act, you are less likely to feel anxious. You’ll be able to accomplish tasks on time and get more done. So it’s a big motivator for learning how to build discipline.

Increases your ability to achieve your long-term goals

With fewer distractions and self-imposed setbacks, learning how to improve self discipline allows you to achieve your goals. It also means getting to them faster than if you allowed yourself to get distracted.

Makes you feel happier

When you are on the path to achieving your goals, you feel happier because you are making progress. Improving self discipline is a major contributor to this.

You become more resilient

As you learn how to build discipline, your ability to resist temptation increases. In turn, this makes you more resilient as you navigate different circumstances. You won’t be as tempted to quit what you’re working towards or slow down your progress.

What causes lack of self-discipline?

A lack of self-discipline stems from not being motivated and/or not having any goals or objectives you are working toward. It could also be tied to how you feel emotionally and mentally, especially when it comes to your mindset.

If you are overly focused on the negative, it can impact your emotions, your motivation, and your willpower. All of which impact your self-discipline.

How can I develop my discipline?

Developing your self discipline is all about being intentional. This means shifting your mindset to focus on the areas you want to improve on and taking intentional action to do so.

It’s also about making it easy for yourself to succeed. Determining what aspects you can automate can be incredibly helpful as well. Keep reading to learn more!

7 Simple ways to improve your self-discipline

Learning how to build discipline can allow you to cease bad habits, accomplish long-term and short-term goals, and change your life completely.

Think of it as investing in yourself. Here, we’ve outlined seven self discipline tips to move you toward the better life you deserve. As long as you’re willing to work for it.

1. Countdown, then take action

When you’re feeling particularly unmotivated, count down from ten, then force yourself to do whatever it is you’re doing. A quick countdown can help shift you into the right mental space to get motivated.

Sometimes all we need is a little push to take that next step—that’s how improving self discipline begins.

2. Put your goals where you can see them every day

Writing a goal down makes it all the more real, and it’s a big part of how to build discipline. Hang it up somewhere you will see it often and inspire yourself — at your work desk, in your bedroom, in your car, etc.

Write the goal in your yearly planner. Put it on your kitchen calendar. It should be everywhere you look.

You can also set actual calendar reminders on your phone to go off once a week or so. But be nice to yourself. Don’t scare or shame yourself into your goals; rather, be happy, positive, and encouraging.

Increase motivation by writing down self discipline quotes from people you admire, too. If you’re not sure you have the right goals, spend some time going over your goals to make sure they align with the things you truly want for yourself.

3. Remind yourself why you started

Of all the self discipline tips here, this one can really help you keep going when life is challenging. Keep your end goal in mind without allowing yourself to forget where you started.

Constantly remind yourself — especially when it gets hard — how and why you set this goal and what you will have achieved when you’re done.

Visualize yourself having taken complete control of your life and accomplishing whatever specific goal you’ve set. Set reminders on your phone to tell yourself how far you’ve come and how proud you are. Affirmations are also a great way to keep yourself focused on your why.

Improve Your Self-Discipline Infographic

4. Set small goals first

Try not to overwhelm yourself with how to build discipline by setting the bar too high. Build your confidence by setting and achieving a small goal before you go for a big one.

For example, if your ultimate goal is to run five miles without stopping, set an initial goal of running a quarter mile without stopping.

Be patient with yourself and try not to get frustrated with the process. Accomplishing those small goals first can give you the motivation you need to keep going. You’ll learn how to improve self discipline over time, by starting small.

5. Practice prioritizing

Decide which tasks are worth dedicating the most effort to, then organize your day to totally crush them. If you set a study plan, you’re less likely to procrastinate on the less-than-savory tasks.

Put things you don’t necessarily love at the top of your priorities, and you’ll be relieved they’re done instead of putting them off for another day.

6. Know your weaknesses

If you want to know how to master self discipline, proactively combat your weaknesses. Determine how you might slip up and how you can prevent that from happening.

For example, if you know you need to run a 5K this Saturday but your friend is having a barbeque on Friday night, it might be best to skip it.

Or if you know you need to get to work an hour earlier but you’re a bit of a night owl, invest in some Melatonin. You have the tools to fight back against your own demons. You just need to hunt them down.

7. Get friends to hold you accountable

You are less likely to cheat on your goals if someone you admire is watching. Have your hero (or just your BFF) set a goal alongside you. You can cheer each other on.

And when the going gets tough, you can be there to give each other that extra push as you learn how to build discipline.

Expert tip

When it comes to self discipline, remember, it’s not about perfection, instead it’s about taking intentional and consistent actions.

It’s also about finding ways to automate things and make it easier for yourself to succeed

Self discipline examples

By now you’re probably feeling motivated and you know how to build discipline, but what are some self discipline examples from everyday life?

Go to the gym on weekdays before work

A disciplined person may use their willpower to go to the gym every day before work at the same time, even if it means getting up earlier.

Have your gym clothes ready, know what you’re eating for breakfast, and so on, so you can get out the door on time. Also give yourself time to work up to five days a week, maybe starting with two.

Form new habits like meal prepping or update your budget every Friday

Create new habits to help you succeed. Pinpoint a couple of things in your life that you’d like to change, and replace them with a good habit instead.

For example, if you want to eat healthier, try meal prepping. When finances feel overwhelming, begin budgeting once a week. Even a small healthy habit like getting outside for 20 minutes a day is a great place to start.

Constantly choose a positive mindset for your mental health

A big part of how to improve self discipline requires you to be strong mentally. Choose optimistic thoughts all the time to help you succeed instead of holding you back. It’s a massive part of becoming your best self.

Motivate yourself to work even when you aren’t in the mood for it

The last of the self discipline examples is to motivate yourself. Being a disciplined person will require effort, especially when you’re tired or bored.

Motivate yourself to work by thinking about how you’ll feel when you accomplish everything you want to do. Make a habit of getting work done before relaxing at the end of the day.

13 Self discipline quotes to keep you motivated

We all need a “pick me up” as we work on our self discipline and achieving our goals. So here are some great self discipline quotes to help you stay motivated.

  1. “Just because you’re struggling with self-discipline doesn’t mean you have to raise the white flag and declare your self-improvement efforts a complete failure. Instead, work to increase the chances that you’ll stick to your healthier habits – even when you don’t feel like it.” – Amy Morin
  2. “The ability to discipline yourself to delay gratification in the short term in order to enjoy greater rewards in the long term is the indispensable prerequisite for success.” – Brian Tracy
  3. “Beautiful gems can emerge from dirt. Struggle can teach you self-discipline and resilience.” – Dipa Sanatani
  4. “The pain of self-discipline will never be as great as the pain of regret.” – Anonymous
  5. “Self-discipline is the magic power that makes you virtually unstoppable.” – Anonymous
  6. “Without any self-sacrifice, how can there be a success?” – Lailah Gifty Akita
  7. “All successes begin with self-discipline. It starts with you.” – Dwayne Johnson
  8. “Self-discipline is the only power which can keep you energized even in the toughest of the circumstances.” – Sukant Ratnakar
  9. “Success doesn’t just happen. You have to be intentional about it, and that takes discipline.” – John C. Maxwell
  10. “We do today what they won’t, so tomorrow we can accomplish what they can’t.” – Dwayne Johnson
  11. “Don’t ever stop believing in your own personal transformation. It is still happening even on the days you may not realize it or feel like it.” – Lalah Delia
  12. “Self-discipline is nothing but self-consciousness.” – Pearl Zhu
  13. “Success begins with self-discipline.” – Sunday Adelaja

The best self-discipline books to read

If you need to know how to build discipline, and find some more great self discipline quotes, start reading books on the topic. These suggestions can help you begin.

P.S. these books are linked via affiliate links which means we may get a small commission that helps us grow if you make a purchase!

No Excuses: The Power Of Self Discipline by Brian Tracy

Hands down, the best book on self discipline is No Excuses!: The Power Of Self Discipline by Brian Tracy. It shows you how you can achieve success in your life, including your personal and financial goals.

You’ll learn how to be more disciplined and each chapter has exercises to help you apply the “no excuses” approach to your own life. I recommend this book every chance I get, and I often find myself reviewing it.

Atomic Habits An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear

Atomic habits book

Our habits are a major part of how to master self discipline. Author James Clear writes in Atomic Habits about how to change patterns and build small habits on top of other habits to achieve goals.

Great for anyone who wants a tried and true formula for improving their life, or needs self discipline tips.

Furthermore, rather than relying only on motivation, Clear discusses ways to make positive change a natural and easy choice. You won’t want to miss this how-to guide.

The Little Book of Big Change: The No Willpower Approach to Breaking Any Habit by Amy Johnson

The little book of big change

If you have a particular habit that you’d like to conquer for good, this book can help. Written by Amy Johnson, PhD, The Little Book of Big Change offers information about the brain and why habits work in specific ways.

All of this can aid you in becoming the most productive and self disciplined person possible.

The 7 Habits of Highly Effective People by Stephen Covey

7 Habits of highly effective people

By no means a new book, The 7 Habits of Highly Effective People by Stephen Covey remains relevant. All of the habits are designed to challenge the way we live life and make us more self disciplined people.

It’s not just outward behavior; this read also focuses on the why, and our core values as people. It also gives plenty of self discipline examples.

If you enjoyed this article on becoming more self-disciplined, check out these other related articles!

Knowing how to build discipline takes work but can be done

When it comes to how to build discipline, it’s all about making the commitment to improve and picking yourself back up when you slip. With that being said, determine one area of your life that you want to improve on.

Next lay out an action plan to help you with improving self discipline. With time, effort, and consistency, you’ll be making great strides with your self discipline.

Be sure to check out our list of actionable self-improvement ideas for different aspects of your life!

The post 7 Simple Habits To Improve Your Self-Discipline appeared first on Clever Girl Finance.

]]>
29 Life Experiments To Improve Your Finances! https://www.clevergirlfinance.com/life-experiments-to-improve-your-finances/ Sat, 07 May 2022 09:46:09 +0000 https://www.clevergirlfinance.com/?p=23512 […]

The post 29 Life Experiments To Improve Your Finances! appeared first on Clever Girl Finance.

]]>

Life experiments

A set routine and schedule for your daily life has a lot of benefits, but does life ever start to feel a bit…boring? Life experiments are what shake up our routines and help us think about things in new ways.

Trying out different experiments can make each day more fulfilling, not to mention help you understand what to change about your current situation. All of this is great, but did you know that life experiments can also improve your finances?

Find out more about the benefits of life experiments and get examples of great ones to try!

What can life experiments do for you?

But first, how exactly do life experiments make your life better? What can they do to improve it? Check out some of the awesome things that can happen due to these experiences.

Life experiments help you learn new things

Life experiments can teach you new habits and behaviors. The focus is often on learning and improvement, so you'll have the chance to make discoveries about yourself and who you want to be.

Plus, they help you come up with original ideas to improve your financial, emotional, and physical health in many cases.

Life experiments help you discover what works best for you

It's possible to not know that something works or doesn't work for you until you give it a try. When you try out a life experiment, you can see if you enjoy the process and want to continue it or if you prefer the way things were before.

So it's not always about changing your behavior; it's finding out if what you're already doing is working or not.

Life experiments help you save money

Depending on the experiment's focus, you can potentially save lots of money when trying one out! You might form money-saving habits or find new ways to manage your finances.

Money life experiments are great for making decisions and understanding your money situation better than ever.

Life experiments teach you how to improve your finances

Not only will you save money, but through learning and new ideas, your finances can improve. You can teach yourself things about money that you weren't aware of and find ways to make your financial life 10, 20, or 100% better than before.

29 Life experiments to create a better financial future

Without further ado, here are 29 life experiments to help you improve your finances. Plus many other aspects of your life!

1. Stop buying coffee and make it yourself

This suggestion might sound familiar, but it bears repeating. Getting coffee while you're out is great. So you might be accustomed to ordering your non-fat-half-sugar-extra-foam-dairy-free-soy-vanilla-cappuccino, but…there are other options.

A cup of coffee is expensive, and you could easily have $100 extra a month! Since the price of a cappuccino can cost up to $5 in some cities.

So for the life experiment, stop buying coffee and make it yourself at home for a whole month. See if your life and finances improve or not, and notice how you feel without buying coffee.

Does it make a difference? Do you want to continue it? Then adjust your budget depending on your choices for the next month.

2. Try the 52-week savings challenge

For this 52-week savings challenge, you start off slow, saving $1 a week, then $2, and so on, up to $52 per week. This experience can help you if you struggle to save money.

The experiment takes a whole year, and it isn't challenging to get started. The savings start off so small that you may not even notice you're saving money until the end!

You should have $1378 by the end, but of course, you can modify this and add a higher savings amount for each week if you want.

3. Meal prep every week for three months

Meal prep - the enemy of fast food and unplanned restaurant expenses. Not only can it save you a ton of money, but it's probably healthier than eating out all the time.

To do this experiment, write down the breakfasts, lunches, and dinners you want to have each week. Then grocery shop for ingredients and prep all your meals on the same day. So this usually involves cooking meat, chopping vegetables, and organizing lunches.

You'll know exactly what you're eating every day for three months, and you could save hundreds of dollars.

4. Check your everyday budget for 30 days

Sometimes it's easy to set up your budget and then forget everything. But this month-long experiment really sets you up for success by close monitoring. So every day for a month, you check on your budget to make sure you're on track.

Adjust your budget to fit your financial goals if you are over in one category or under in another. It might help to make journal notes about how you feel after checking your budget.

At the end of the month, decide if you like this close monitoring and notice if it's improved your money habits or not.

5. Open a savings account and save your spare change

Spare change often gets lost in the shuffle, but it could be put into savings. A dollar here and 0.25 cents there can add up faster than you'd think.

Try this life experiment by saving all your change in a jar each month. At the end of the month, take it to the bank and add it to your savings account.

Do this for a year. You'll have some money stored up by the end.

6. Only follow financial influencers on social media

Decide to only follow influencers that talk about money, saving, investing, and other financial topics for a set time. Try a week or a month to start.

Try to listen to what these influencers have to say and see if it impacts your own finances. In addition, take notes and try to remember any changes you make. At the end of the set time, check to see if the way you think about or handle money has changed.

7. Take public transport or ride a bike one day a week

Gas for your car might be costing you! Especially if you drive every day. Choose one day a week to ride a bike, walk, or take public transportation. Do this for a few months - try three.

It's good if this is a day when you would typically use your car a lot to save the most money on gas and auto maintenance. Notice if your car bills get lower. And if you're biking or walking, you might feel physically healthier.

8. Exercise using YouTube videos instead of the gym

Gym memberships are nice, but they're also expensive. Consider canceling yours and instead take advantage of the (completely free) YouTube videos for fitness. There are tons of options, from yoga to aerobics.

Give up the membership for at least three months to feel the fitness and financial effects. Then decide if having access to the gym is indeed worth it, or if you prefer your new and cheaper way of exercising.

9. Read financial books on the weekends

Weekends offer a great opportunity to catch up on reading. But what if you chose to learn as much about money as possible on your days off?

Put away the novels and fiction books for the time being, and create a booklist from finance authors. Try this out for at least a month or two, and see how much you can learn.

10. Pick a money topic to learn about each month and research it extensively

Speaking of researching topics, here's a good year-long experiment. If you want to become well-versed in various money subjects, find twelve that you wish to learn about. So each month, pick one topic and learn all you can about it.

Use YouTube videos and books from the library, read blogs, and talk to people. You'll likely feel like a more intelligent and more balanced person at the end of the year.

11. Trade one expensive hobby for a cheap one

Do you have a hobby that costs you quite a bit? Examples of this are eating at restaurants, going to expensive classes, or buying many media products like movies and tv subscriptions.

Choose to trade one expensive hobby for a budget-friendly one.

For instance, instead of eating out all the time, take a free cooking course and learn to make your own fabulous meals. Or start reading books from the library instead of buying movies.

A reasonable time frame for this is 3 months at least. Then notice if you miss your old hobby or if you're content with the cheaper alternative.

12. Prioritize your health

Prioritizing your health is a good idea for many reasons. And it could also save you money on medical bills later on. So spend a month really focusing on being healthy.

This can include drinking the right amount of water, eating healthy foods, and prioritizing exercise. By the end of one month, see how you feel, and hopefully, you'll want to continue the habits you've created.

13. Sell items you haven't used in a year

If you're like most people, you've got a lot of items around your home that don't really add value or get used regularly. Figure out what to sell by walking through one room of your home at a time.

Your closet might offer many opportunities to sell clothing, accessories, and jewelry you haven't used in a year. You might find appliances that aren't even out of the box in your kitchen. Sell these things and save the cash.

14. Put a set amount each month towards debt payoff for a year

Have a considerable debt burden you're trying to pay off? This life experiment can help. Decide on an amount to put towards debt payoff each month for a whole year.

Say, $300. Then every month, you'll know that you're getting rid of debt by prioritizing repayment.

And you can change the amount if you like. Maybe you start out with $300 and decide to move it to $500 after a few months. The point is to get rid of debt as part of your monthly budget.

15. Carry only one credit card and one debit card in your wallet

This is a nearly effortless practice that might save you some cash. Decide on one debit and one credit card to carry with you, and put the rest away somewhere safe. This is to help you think twice about purchases and not overspend.

Do this for a month and see if you notice any improvement in spending habits.

16. Invest $20 a week for a year

$20 over a whole year equals $1040, enough to get you started as a beginner investor. And if the $20 amount is too much or too little, adjust it to your preferences and budget.

The point of this life experiment is to begin saving and investing money if you haven't before or have had trouble with consistency. If you want to carry on with the experience, try doing a second year of investing after the first.

Use this investment calculator to see how much money you can make!

17. Take staycations for a year instead of traveling somewhere far away

Everyone loves a vacation, but those airplane flights, hotel stays, and restaurant expenses quickly add up. For one year, forego the extra cost of travel.

When you get weeks off of work or vacation days, instead of heading to a different city, explore your own.

Stay home and enjoy sightseeing in your own town, sleeping in, reading, or just relaxing. If you take a lot of vacations usually, you could save thousands.

18. Journal your feelings about money every day for a month

Money is a complicated thing that is more attached to our emotions than we'd like to admit. Maybe you have feelings of frustration, anxiety, or uncertainty about money.

To help deal with this, journal your money thoughts for a few minutes each day for a month. As you work through the old feelings, you might discover that you feel more positive and in control of your finances.

19. Go natural with beauty products

Makeup and beauty products tend to be quite expensive. And many times, you can substitute great alternatives from what you have at home instead of buying costly items.

Choose to go natural with beauty products for a set time, somewhere between one month and a year. Notice if the natural products work better or just as well, and note any money you save due to this life experiment.

Then, at the end of the time frame, decide if you prefer this lifestyle or still want to buy beauty products.

20. Be makeup-free for a week

Choosing to go makeup-free is a bold choice that can save you some money in the long run. Go a week without wearing makeup and see if you like the lifestyle switch or not.

If you choose to be makeup-free for more extended periods, like a month or two, you can save money on the various makeup products you might usually buy. You'll use less, your makeup will last longer, and you might find that you enjoy it.

21. No new clothes challenge life experiment

A no new clothes challenge is a great way to save cash. The way this life experiment works is that for a year, you don't buy any new clothing items. If you already have quite a few clothing options, this might be easier than you think.

When something doesn't suit your style anymore, upcycle it and find ways to use what you have. Look back on all the extra money you've saved at the end of the year.

22. Make movie nights the new normal instead of theaters 

Movie theaters are a fun way to gather with friends and pass the time, but you can do all of that without spending the $20 or so most people spend each time they go. Instead, for a year, decide to have movie nights at your home.

When a new movie comes out, wait for it to be available to rent. Then, invite your friends and ask everyone to chip in a few bucks to rent the film. Encourage people to bring snacks and drinks and enjoy the movie from the comfort of home.

23. Get up early 

You might be asking what this life experiment has to do with your finances. A lot! An early wake-up time allows you to be productive, work on projects, and chase your money goals. 

Try getting up early, like 5 or 6 am, for a week. If you're feeling good about it, try a month, and so on. Use the extra hours to work on important things that matter to you.

24. Automate an aspect of your finances 

The simplest way to fix your finances is probably automation. You can set up automatic payments, withdrawals, savings, or investments. Choose one part of your finances to automate.

This works exceptionally well if you choose savings or investing. For example, if you automate saving $100 a week, you'll soon have a big pile of cash. Try automating and see if your money habits improve.

25. Try a 30-day self-love challenge

A month-long self-love challenge is a great way to improve your overall life and finances. It includes affirmations, social media detoxes, decluttering, emergency funds, etc.

The amazing thing is you can improve how you feel. And when you feel better, you make better decisions and enjoy life more.

26. Give a 30-day glow-up challenge a go

A 30-day glow-up challenge is a great way to help you feel your best. It includes challenges each day like opening a savings account, journaling, exercising, and financial goals.

This challenge will move you towards your best self and help you take your health and money more seriously. Try it out and notice the difference at the end of the month.

27. Practice appreciation with a 30-day gratitude challenge

30 days of gratitude is a fantastic way to begin changing your mindset. It's excellent for every aspect of your life.

With challenges like worksheets, thanking others, and creating a practice of thankfulness, you're likely to feel changed by the end of the month. And gratitude makes you more positive, affecting the way you use and think about money.

28. Work towards minimizing your life with a 30-day minimalism challenge

If you feel that your mind and life are way too cluttered, the 30-day minimalism challenge can work for you. It includes not only decluttering options (that could make you money) but also practices like saying no, changing notification settings, and no spend days.

This month could help you to save money and buy fewer items. But you'll also gain a new appreciation for what you have.

29. Save a ton and try a no-spend challenge

A no-spend challenge can be just what you need if you feel out of control with money. Basically, you pick a time, like a month or even a year, to not spend on unnecessary things.

That means you'll only be using money to pay bills and for things you truly need, not stuff you would just like to buy. This is a great way to recover from a time in your life when you've overspent or make you more aware of how much money you spend.

This challenge is very easy to modify for your own needs, so be creative.

Life experiments can improve your finances in huge ways

Life experiments give you the chance to learn and change for the better. They can also improve your finances and help you to save money!

For more ideas on investing and saving, check out our completely free finance courses. Enjoy these experiences and make changes that help you financially!

The post 29 Life Experiments To Improve Your Finances! appeared first on Clever Girl Finance.

]]>
Feeling Unsatisfied With Life? Here’s How To Change That! https://www.clevergirlfinance.com/unsatisfied-with-life/ Mon, 02 May 2022 18:40:22 +0000 https://www.clevergirlfinance.com/?p=22408 […]

The post Feeling Unsatisfied With Life? Here’s How To Change That! appeared first on Clever Girl Finance.

]]>

Feeling unsatisfied with life

It’s unfortunate, but sometimes we’re not always satisfied with life. No matter how awesome one part may be, there’s often some aspect we’d like to change. If you’re feeling unsatisfied with life the way it is, don’t give up! You can improve your life more than you may think.

Our tips will help you work on being more satisfied with all aspects of your life. But first, let's talk about why you may be feeling dissatisfied with life in the first place.

Why you might feel unsatisfied with life

Of course, there are tons of reasons you might feel unsatisfied about how life is going. Perhaps you haven’t nailed it down yet. But here are some common reasons you may feel a bit dissatisfied with life.

You hate your job

Your career is a huge factor in your happiness (or unhappiness) each day. Not only does it determine whom you spend your time with, but it also determines your income and how you spend your time.

If you hate your job or it’s not fulfilling enough, that could seriously leave you unsatisfied.

You are worried about your finances

Obviously, finances impact your overall satisfaction. It’s tough to focus when you’re worried about how you’ll pay your bills this week. You may not earn enough, or you may be unsure of how to manage your money.

You are dealing with relationship struggles

Perhaps there’s a significant relationship causing you to be dissatisfied with life. Whether your spouse or partner isn’t pulling their weight, or you’re dealing with an unruly child, or you’re estranged from someone important, those relationships are a heavy burden.

You're having health problems

Another possible cause of feeling unsatisfied with life is, of course, your health. Health isn’t an afterthought—it impacts everything else, 24/7.

Unfortunately, if your health is suffering, there are some aspects beyond your control. But doing what you can to take care of yourself may go a long way towards improving your everyday life.

You haven't found your purpose

Wondering how to be satisfied in life? It’s possible that your deeper purpose is weighing on you. If you feel as though you’re not contributing to the world or not meeting your full potential, that’s frustrating. But you do not have to settle.

7 Key steps to take if you’re feeling unsatisfied with life

Only you have the power to change your life. Even though others care about you and want good things for you, it’s ultimately you who has to decide how you want to live. 

Being dissatisfied with life can happen, but you don't have to remain that way. With that said, here are seven key steps to work towards a more fulfilling life!

1. Figure out why you’re unsatisfied with life

Although it may seem obvious, the first step for how to be satisfied in life is to recognize why you aren’t happy already. You may have been assuming you’re unsatisfied because you don’t make enough money.

But looking at Hollywood news might show you that more money doesn’t automatically equal happiness. Take some time to ponder what’s really bothering you.

You might be able to easily identify the root cause of your discontent, or you may need to do some soul-searching. Ask your closest friend or loved one if they have an idea of what’s making you unsatisfied.

Of course, there’s often more than one reason for dissatisfaction, so you may need to focus on one at a time. Just don’t let yourself off the hook and say “Everything!” when you ask yourself what’s wrong.

You need to zone in on the one or two primary reasons you’re not happy today.

2. Recognize which parts of your life are in your control

Once you’ve identified your primary reasons for being unsatisfied with life, consider what you can change. Not everything is within your control, unfortunately.

Sometimes you feel pigeonholed in your career and don’t have the money to train for a new one. You may be trying everything you can think of to mend fences with your mom, but she just won’t listen.

As you identify the causes of your discontent, try to recognize which ones are possible to change. Try to focus on the aspects you can control. You can’t fix everything, but you can work on improving your self-care habits or your attitude at work or take a class on money management.

3. See a counselor if you’re feeling unsatisfied with life

One important step that may be right for you is to talk to a counselor. A professional may be able to help you unlock the root causes of your dissatisfaction.

So you might meet with someone before you even figure out the problem, or to help you work through it once you’ve identified it.

Professional counseling has many benefits

Seeing a mental health expert like a counselor can help you manage a crisis, identify problems in your life, and help you make changes. The American Psychological Association states that “any time your quality of life isn’t what you want it to be, psychotherapy can help.”

And as Healthline notes, talk therapy can help you explore your thoughts, feelings, and concerns. This can definitely guide you through why you’re feeling unsatisfied and how to improve things.

Keep in mind that even if your schedule or location won’t allow for in-person counseling, online options exist. You can try meeting virtually or over the phone to talk through your discontentment.

Work on improving your mindset

Even if you don’t seek professional counseling, you can do some serious “mind” work on your own. Check out library books or listen to podcasts that give you positive solutions to your problems.

You might need to work on being content with what you have. That’s not to say that your problems aren’t real, but that sometimes it can benefit you to focus on the good.

The Mayo Clinic explains that positive thinking may benefit you by lowering depression rates, increasing your resistance to illness, and improving your coping skills in times of stress.

4. Work on relationships to fight feeling unsatisfied

Even in the worst of jobs, a great office buddy can brighten your day. And even the smallest house can feel like a mansion if it’s filled with love. But alternately, when relationships are in trouble, they can make everything else in your life harder.

Perhaps your main dissatisfaction stems from relationships that aren’t going so well. Here are a couple of pointers to help improve your relationships:

Communicate better

Communication is obviously a huge aspect of a good relationship. If you find yourself yelling at your kids or snapping at your spouse, it’s not going to help build loving feelings between you. You grow more dissatisfied with life the longer these frustrations continue to build.

You can likely fight dissatisfaction by being mindful of your communication with others. Of course, people will make you mad sometimes, but how you respond can make things better or worse.

First of all, be sure to communicate, if you haven’t been doing so. Let your spouse or kids or colleagues know what you want or expect.

Clearly express yourself so that people understand where you’re coming from. Communication in marriage or any other relationship is crucial to making your wishes heard.

Spend time with people

Another factor that could be causing you to feel unsatisfied with life is that you’re not truly spending time with others. Even if it has to be in a virtual manner, making time for people is so important to building solid relationships.

Think about your past week or past month. How much time have you spent really engaging with people?

Do you find that you’re always distracted and on your phone when your kids come home from school? Could you benefit from a weekend getaway with your girlfriends?

Social media could be affecting your contentment as well. Maybe a period of social media minimalism, when you focus more on in-person interactions, would help.

Forgive past hurts

Now, this may be something you address in talk therapy if you choose that route.

Or you may already know whom you need to forgive as soon as you hear the word. Sometimes you can feel stuck or unsatisfied with life because you have unresolved pain.

All of us have been hurt by someone in our past. Maybe working to forgive those who hurt you will help you to let go and move on. That can help you figure out how to be satisfied in life once again.

Of course, you don’t have to let people back in your life after they’ve let you down repeatedly. But you can still forgive them for the pain they caused.

5. Try a career change if you’re unsatisfied with life

Sometimes the reason you’re dissatisfied is that you’re unhappy with your career. It’s a big deal—you spend so much time at the office or with your coworkers, how could you be happy in a job you hate?

A career change is a lot of work, but it may be the best thing to help you be happier overall.

Train for a new career

Now, is leaving your job behind for an entirely new career easy? Of course not! But feeling really unsatisfied may mean you have to do something drastic. You might need to choose a new career to improve your entire outlook.

If your dissatisfaction comes primarily from work, try to change your job. You can often train for a new career from home, with online courses or local community classes. Some jobs require minimal training.

If you need a whole new degree, that will require a lot more time and money. But there are student loans that you can use wisely to invest in a new career you’ll love.

Make things better at your current job

It’s possible that you generally like your job, but a few circumstances are making it tough. Figure out how to be satisfied in life by changing how you do your job.

You could try to build relationships with your coworkers, for one thing. Another idea may be to protect your time better. (If you’re staying late every night, maybe it’s time to stick to the official working hours and go home on time.)

Talking to your boss about a flexible schedule that allows you to work from home a few days a week could help, too.

Your job may also be unsatisfying in the money department. Think about whether you’re earning what you deserve. Do some salary comparisons online (or in your own office) to learn whether your salary matches up with the industry rates.

While asking for a raise may sound intimidating, it doesn’t have to be. Just make sure you write a stellar self-assessment before discussing a pay increase with your boss.

6. Examine your finances

Let’s not ignore the obvious: financial trouble can definitely cause you to become unsatisfied with life. Whether you’re making too little or facing big emergency expenses, finances are often a big part of dissatisfaction.

Here are a couple of tips on how to examine your finances and manage your money better!

Check-in on your spending habits

It seems a bit ironic, doesn’t it? Sometimes the more we buy, the more unhappy we are. Then we keep buying more in an attempt to fix things, but they only get worse. We grow more and more dissatisfied with life.

You might overspend for a variety of reasons. Maybe you’re bored, and shopping gives you something to do. Or you could be struggling with stress-induced shopping.

I know sometimes I spend too much when I get busy and it seems more convenient (especially with meals on the go).

Whether or not you’re overspending depends on your income and your needs. You can spend money on luxuries, sure, but if that stops you from paying the bills, it’s a problem.

It may be time to take a closer look at your budget. Check up on your spending to see if your spending on some categories is creeping upwards. If so, it’s time to rein in your spending and be mindful of each purchase.

Find ways to curb your spending

One way to keep your spending in check is by deleting credit card numbers from shopping websites. This makes it more difficult to buy on a whim. You could try using a cash-envelope system for a month or two, making you rethink any purchases you might normally put on plastic.

Another excellent thing to do is keep a spending journal to get a better idea of how much you spend and why.

Boost your income

On the other side of spending, you may know you’re earning too little to meet your family’s needs. It can be really tough to maintain a positive attitude each day if you know you’re not making the money you deserve.

Even though money is only a part of the equation of happiness, it's a big part! You may need to earn more to not just make ends meet, but to thrive and build wealth.

This can take you back to the job-satisfaction section. If you’re not earning what you want or deserve, it may be time to consider a career change. Or you might be ready to search for a new job in your field where you’ll be compensated fairly.

Sometimes as women we think we don’t deserve to make a lot of money. We may feel guilty for asking for more money, or worry that people will think we’re greedy or selfish. (It’s sad, but unfortunately, too many women have this perception.)

It’s perfectly within your rights to want more money. Whether that means changing jobs, getting a raise, negotiating for better benefits, or launching a side hustle, do it. If you become a female breadwinner, that’s something to celebrate!

7. Pursue learning

Now, here’s another possible reason you’re not quite happy: you’re a little bored. Maybe you need a challenge. Think about whether learning something new might add some excitement to your days.

So, if you are feeling a bit unsatisfied with life find ways to increase your knowledge and learn about things you enjoy. Here are a few ideas to get you started:

Take a class for fun

That’s right, taking a class can be fun—learning is a lot of fun when you’re genuinely interested in the topic. You’re never too old to learn new things, and as an adult, you get to “study” whatever you want.

Perhaps you’re not dissatisfied with life because of anything major or depressing. You might just need something new to spice things up. Community centers, libraries, and community colleges offer classes.

Give it a shot and try an art class or something else that fascinates you. It can be a blast to learn new things, whether purely for fun or to go for a new degree. Whatever you decide to do, it will definitely help combat your feelings of being unsatisfied with life!

Read or consume other media to learn

Even if you’re not in the mood to become a student again, learning isn’t out of reach. There are plenty of books, magazines, podcasts, documentaries, and other media easily accessible.

Expanding your knowledge and skillset can be a great way to become more satisfied in life.

If you want to learn more about something, chances are good that you can find a way. Free or inexpensive learning resources are everywhere. Learning how to speak Dutch or make latte art or identify bird calls might be a great way to bring some novelty to your life.

Try a 30-day challenge

Along the same lines of learning a new skill, you might pick a 30-day challenge to motivate you. Some people love the challenge of sticking to a new habit for 30 days straight, and it can even help you build the habit long-term.

Give yourself a challenge to improve your exercise life, build a journaling habit, stick to a budget, or quit spending money. Whatever area of life you’d like to see a change in, pick a simple challenge that you can follow for 30 days.

These are a great way to start thinking in a new way and shifting your routines.

Here’s a fun one to try: pick a comfort zone challenge that gets you to do something uncomfortable. A few listed there are going without makeup, chatting with a stranger, cutting out tech for a day, or going without caffeine.

You don’t need to do all of these, but use them to spark ideas of ways to shake things up.

Sometimes you may be dissatisfied with life simply because you're bored. That's when adopting a new challenge or trying a new skill can perk you up.

It's normal to grow bored when some parts of life stay the same for years, but there are ways to sprinkle fun and excitement into your days. 30-day challenges are fun ways to do this.

Try these tips to stop feeling unsatisfied with life!

It’s really tough when you’re struggling with feeling unsatisfied. Some days it’s just hard to move forward. But you don’t have to keep living the same old way if it’s making you unhappy.

Think about what would truly bring you joy and fulfillment and take steps to make it a reality. You can figure out how to be more satisfied in life—don’t settle for the status quo.

The post Feeling Unsatisfied With Life? Here’s How To Change That! appeared first on Clever Girl Finance.

]]>
How To Stop Being Envious Of Others https://www.clevergirlfinance.com/how-to-stop-being-envious-of-others/ Fri, 29 Apr 2022 19:54:22 +0000 https://www.clevergirlfinance.com/?p=22023 […]

The post How To Stop Being Envious Of Others appeared first on Clever Girl Finance.

]]>

Envy doesn’t look good on anyone. Many of us know that being envious of others' success just leads to misery. Yet not being jealous is easier said than done. Sometimes these emotions are hard to turn off, and overcoming envy can seem impossible. It’s not easy to learn how to stop being envious of others. But thankfully, there are easy things you can do to learn how to overcome envy.

So, in this article, we are going to discuss how being envious impacts your life, the characteristics of an envious person, and key tips on how to get rid of envy!

How being envious of others can impact your life

Being envious might not make you turn green, but it can have an impact on your life, including your finances, your mental health, and your emotions. Here are a few ways envy affects your life:

Financial impact

Focusing on others means you're not focusing on yourself. That can mean forgetting to focus on your finances, like setting money aside each month into your investment account.

Being envious can also cause you to spend money on things you can’t afford or don’t need as you try to live a life of keeping up with the Joneses. 

Emotional impact

Interestingly enough, research has shown that we tend to be more envious of things that haven’t even happened yet. Living in the future and imagining how things could turn out can take an emotional toll.

It can also hurt your relationship with others, as being envious tends to cause us to make things more difficult for others.

Mental health impact

Living with envy can also have an impact on your mental health. Multiple studies have shown that being envious can lead to depression and ill-will towards yourself and others. In other words, the more envious you are, the more your happiness decreases.

Characteristics of an envious person

The first step to learning how to stop being envious of others is to understand when and how you become jealous of others. Recognizing and acknowledging that you are an envious person can help you put in the work to become less concerned about others and live in the moment.

Here are some key characteristics of an envious person:

They get annoyed when others are complimented

Do you get irritated when your close friends are complimented or showered with attention? Maybe you snap at them and otherwise act out of character. Being annoyed when others are getting more attention is one of the first signs that you are an envious person.

They aren’t happy when friends or family are successful

How do you feel when your best friend or partner gets a promotion at work? Do you feel genuinely happy for them, or do you wonder why you haven’t gotten a promotion yet? If you immediately feel unhappy that others are accomplished, that’s a sign of envy.

An envious person feels the need to diminish others

Alternatively, when someone tells you about their success, do you immediately dismiss it as luck or downplay it?

Do you think that if someone is successful, it’s because they’ve had it easy and haven’t had to struggle? All of these are characteristics of someone envious of others.

They are happy when others face setbacks or struggle

Are you secretly happy when your friends are in and out of bad relationships, struggle with a toxic boss at work, or maybe just wear an unflattering outfit? One of the most apparent characteristics of an envious person is getting pleasure in the unhappiness of others.

So do you have a few of these traits? If so, don't worry! Overcoming envy is possible by following our key tips.

How to stop being envious of others: 6 Key tips

Overcoming envy doesn't have to be a daunting task. If you want to learn how to stop being envious of others, here are a few things you can do to try to overcome your envy.

 How To Stop Being Envious Of Others

1. Be grateful for what you have

Practicing gratitude is how to get rid of envy with ease. Chances are you have a lot to be grateful for. Others may be jealous of what you’ve accomplished. Think about all the blessings in your life, such as your home, loved ones, and your talents.

There are so many things that you have accomplished in your life. Instead of focusing on what others have, develop an attitude of mindfulness. Set aside a few minutes a day to write three things you're thankful for.

It might seem hard at first but finding three things to be grateful for every day can help you have a positive outlook on life. You can also practice meditation and breathing exercises. And spend some time in the morning to just be aware of your surroundings and the abundance you already possess.

2. Take a social media break

Social media can be devastating for your mental health and can even lead to depression. Plus, it can be an addiction that can fuel your envy of others and make overcoming envy much more difficult. If you want to get rid of your envy, one of the best things you can do is to take a break from social media.

Delete apps on your phone and instead spend the time doing something you love, like reading, a favorite hobby, or going for a walk. The trick is to find something else to replace the time you spend on your phone.

Or maybe you set your phone aside completely. You can also download apps on your computer to block specific websites during set hours, like Facebook and Twitter.

3. Don't compare yourself with others

It can be hard to not compare yourself to others, but if you want to stop being envious of others, you need to stop. Instead of comparing yourself with those around you, or influencers on social media, think about how much you’ve accomplished.

Focusing on yourself instead of others is one way to learn how to overcome envy. Look back at the last five or ten years of your life. Try to focus on how much you’ve grown in that time.

Write down a list of your top ten accomplishments. Maybe you were the first in your family to graduate from college.

Or maybe you moved across the country to start a new job. Then make a list of the things you like about yourself. Maybe you like your smile or how well you listen to others. Put these lists somewhere so you can remind yourself regularly of your strengths.

4. Focus on the things you love

Another great way how to overcome envy is to focus on the things you love to do. Do you love to paint or crochet? Or maybe you love following sports. Whatever it is, whenever you start to have envious thoughts of others, do something else that makes you happy.

That can mean signing up for a class or setting time aside for your hobby. If you're busy with something else, you won't have the time or energy to worry about what others are doing.

5. Celebrate others’ success

When a friend tells you they finally found their dream home or won an award, try to feel genuinely happy for them. If envious thoughts start to creep up, acknowledge them but don’t let them take control. Instead, focus on your friend and stop viewing life as a competition.

When someone gives you good news, tell them how great it is. Take them out for a special celebratory drink or dinner. Listen to them as they tell you about their new goal or accomplishment, and curb the urge to downplay what they tell you.

It might take some effort at first, but it's a key step in learning how to stop being envious of others.

6. Enjoy new experiences to help you stop being envious of others

One cause of envy is boredom. If that’s the case, spice things up! Sign up for a painting class, go to a local meetup for photography amateurs, or watch an online cooking class.

If you're on a budget, find tutorials on YouTube. You can also do something out of the blue, and go for a weekend trip somewhere. Or maybe even just camp in your own backyard!

Doing something fun and spontaneous will keep your brain occupied, so you won’t even have the time to think about being envious.

Learn how to stop being envious of others and enjoy your life

It’s normal to feel envious of others, but it can hurt your life if you find yourself constantly jealous of those around you. If you find yourself always annoyed when others are complimented, or put your friends down, then you should consider learning how to stop being envious of others.

These are the simple steps you can take to learn how to get rid of envy. Get off social media, think about your accomplishments, and do things you love to do. Soon enough, you’ll find yourself no longer envious and instead will be happy for others' success.

The post How To Stop Being Envious Of Others appeared first on Clever Girl Finance.

]]>
5 Ways To Never Stop Learning Because Life Never Stops Teaching https://www.clevergirlfinance.com/never-stop-learning-because-life-never-stops-teaching/ Sat, 12 Mar 2022 19:58:40 +0000 https://www.clevergirlfinance.com/?p=18125 […]

The post 5 Ways To Never Stop Learning Because Life Never Stops Teaching appeared first on Clever Girl Finance.

]]>

Never stop learning because life never stops teaching

Even though as kids we all counted down the days, weeks, months, and years until school was over, we’re never really done learning. That’s part of the beauty (and sometimes frustration) of being human—we’re always evolving. So we rounded up five ways to never stop learning because life never stops teaching!

But before we dive into the list, let's answer the important question of "Why should we never stop learning?"

Why should we never stop learning?

First of all, learning is not an activity that we should keep in a classroom. Sometimes I think our society puts so much emphasis on “education” but forgets about how true learning happens every day.

I spent fifteen years as a high school teacher. While teaching as a profession is certainly admirable and important, it can be risky to talk about learning as if it only happens at school. What if we kept living the same way at age 35 or 50 as we did when we were eighteen? Yikes!

We have to continually adapt to our circumstances—that’s how life never stops teaching us. Things happen, and we respond. How we respond is in our control, so we should never stop learning how to do better. 

5 Fantastic ways to never stop learning

Some of the lessons we absorb over time aren’t ones we choose. The job market changes, relationships grow closer (or apart), and financial circumstances evolve. But the good thing is that we can be deliberate about learning.

Think about these five key ways to never stop learning because life never stops teaching, so you might as well make the most of it!

1. Read continuously

What’s the first skill most people learn as children? Other than listening and speaking, we focus on reading—and for good reason. Reading remains an excellent way of learning, whether we’re four, forty, or eighty-four years old.

Read fiction to learn empathy and spark creativity

If you hear the word “fiction” and you think fluffy, leisure, or unimportant, think again. Reading fiction is also a great way to learn vital life skills (ones that are hard to teach in a classroom).

Studies show that reading fiction can help people learn empathy. And come on, has there ever been a better time in the world to learn a little empathy?

The Harvard Business Review reports on studies that suggest fiction reading can develop greater empathy. Basically, reading fictional scenarios allows you, the reader, to imagine yourself in someone else’s shoes. You won’t always necessarily agree with the characters in a book, but you can learn to see things from their perspective.

Reading fiction can also spark your own creativity in ways that nonfiction might not. You can read fifty books on entrepreneurship and starting a side hustle, but reading a novel about it could bring the concept to life in a deeper way.

Read nonfiction to learn new skills

Now, just as fiction has its place, nonfiction reading is one of the best ways to acquire new skills. We never stop learning, and nonfiction reading resources can be wonderful guides along our way.

Do you want to learn about how to simplify your life and your possessions? Check out these 15 books on minimalism to help you find the path that works for you. Perhaps you’re passionate about lowering your environmental footprint to ensure the planet is still livable for your great-great-grandkids: why not learn about sustainable living?

Personal finance is a favorite topic of mine—I literally never stop learning about finance because life never stops teaching. The best financial choice can evolve over time, and the financial advice I follow might not work for you. Checking out these financial literacy books and these finance books written by Black women to learn something new.

Reading is accessible in many ways to help you never stop learning

One of the great aspects of reading is that there are so many ways to get your information. I mean, I’m a fan of the old-school books printed on real paper, but other formats are just as awesome.

If you find it hard to get a free moment to sit down and just read a book, you can try audiobooks. They make it easy to never stop learning since they’re more convenient for many of us who are on the go. You can speed up the narration if you need to and even do other tasks while listening.

And don’t forget about reading things other than books! You can sign up to receive educational newsletters via email, read informative blogs, and get your information from magazines and newspapers, either in print or online. One article or newsletter at a time, you can become an expert in investing, cooking, DIY, or whatever interests you.

2. Utilize audio resources

Of course, we already touched on this a little bit in the reading section, since most books are available in audio formats these days. But there are plenty of other listening-focused learning resources to help you never stop learning. Podcasts and radio programs, as well as videos, are great ways to arm yourself with knowledge.

Podcasts can teach you anything

Even though I also love a good book in my hands, I’ve fallen in love with podcasts over the past several years. It’s just so much fun to hear people’s voices as they talk about whatever I’m interested in.

Of course, we can’t talk about podcasts without mentioning financial literacy podcasts like the Clever Girls Know Podcast, So Money with Farnoosh Torabi, and Brown Ambition. There are a ton of great podcasts by a diverse set of voices, so you can focus on whatever aspects of personal finance you want to learn.

Want to learn how to start passive real estate investing? Or how about how to start a profitable blog? Or the differences between term life insurance and whole life insurance? You can find podcasts that cover thousands of topics from different angles, enabling you to truly never stop learning.

Video resources help in the quest to never stop learning

Are you more of a visual and auditory learner? Then video is a great way to learn new information and acquire new skills. Let me tell you, during the pandemic when my kids were home doing virtual school, YouTube and other video resources were lifesavers.

Maybe you want to steer clear of haul videos or others that could drive you to buy more stuff you don’t need. But just think of all the information out there. Using video courses and free videos you find online, life can keep on teaching.

Whether you want to learn about personal finance (check out the Clever Girl Finance channel), woodworking, gardening, entrepreneurship, history, or any number of topics, check your library or online for great video resources.

3. Experience new things

“Experience is a hard teacher. She gives the test first and the lessons afterwards.” This quote from Vernon Sanders Law is so true, isn’t it? So many of our most powerful lessons have to come through experience rather than being taught in any other way.

Just think about how children learn. I bet if you think back, you’ll remember a lesson your parents or teachers tried to tell you.

But you didn’t really learn until you got the experience and either failed or succeeded. Though some lessons we hear might stick long-term, we learn more from experience than lectures.

We truly never stop learning because life never stops teaching us through our experiences. Every event in your past has a part in shaping your present and future.

Change your routine to keep learning

One simple way to never stop learning is to force a small change in your routine. You might take a different route to work once a week or try eating with your non-dominant hand.

Perhaps you normally down four cups of coffee every morning—you could try switching up your routine and drink tea for a change.

I think the best part about changing your routines is that it forces you to think about things differently. Even though developing great daily routines is important to many people’s success, that doesn’t mean you can’t be flexible at times.

What may come to mind first is routines or habits you’d like to break. For instance, if you’re often "doomscrolling" at night for an hour before bed, you can start leaving your phone off and in another room. Try it for a few days and see how you feel. Taking a social media detox could work the same way.

The idea is to take something you take for granted or assume you have to do, and just try doing something different. You might spark new creativity, give up a harmful habit, or just gain an appreciation for something you didn’t have before.

Attend conferences or classes in your quest to never stop learning

Now that the world is slowly easing back into pre-pandemic ways, you may find that in-person conferences are in full swing. Or, even if you’re unable to attend physically, plenty of educational conferences offer virtual options. 

Going to a conference in your career field can help you gain networking skills, explore new technologies or trends, and have fun. I love a good conference; I get away from my home, get out of my comfort zone, and meet new people with shared interests.

A great alternative to conferences is to sign up for classes in your area (or online). You can take classes that are just a single session or those that last a few weeks or months.

Whether you need professional development for your job or you just want to unwind at a pottery class, you’re definitely still learning.

Become a beginner in something

Along the same lines as conferences and classes, try to adopt a beginner’s mindset to ensure you’ll never stop learning. Beginner’s mind, which comes from Zen Buddhism, entails “having an attitude of openness, eagerness, and lack of preconceptions when studying a subject, even when studying at an advanced level, just as a beginner in that subject would.”

There’s something really amazing about being a beginner in something, whether it’s chess or surfing or researching the stock market. You don’t have the preconceived notions of what’s right to hold you back, and your mind is open to being filled.

In the book “Beginners: The Joy and Transformative Power of Lifelong Learning,” author Tom Vanderbilt explains how his young daughter inspired him to become a beginner again. Instead of trying to become an expert in something through 10,000 hours of practice as Malcolm Gladwell discusses, he wanted to simply try new things.

Vanderbilt notes that as adults, we lose our childlike ability to just try. “We’re afraid of just being OK at things.” So is there something you would like to try, not to impress anyone or to gain a new career, but only to enrich your life? 

Learn through failure

Although it might feel difficult; you never stop learning because life never stops teaching through failure. “When failure is not an option, we can forget about creativity, learning, and innovation.”

Brené Brown has remarked on the power of failure in helping us to learn. If we adopt the mindset that we will fail sometimes, we won’t be so afraid of learning.

I love the idea of encouraging kids to fail sometimes because what we think of as failure really can be a great teacher. There are some great reasons that failure is a part of success, such as learning what not to do next time and helping others on their journey.

While no one wants to fail in big ways, maybe it’s a good idea to embrace small failures. For example, try allowing your kids to fail with money. Perhaps they’ve spent their entire allowance and then see something they really want to buy. 

Instead of bailing them out by paying for everything, don’t reward your kids for not planning or saving. Allowing them to be upset about something that costs $5 or $10 when they’re young just might be the lesson they’ll remember when the stakes are higher (thousands or tens of thousands of dollars).

You can do the same thing for yourself by embracing the idea of failure, or at least letting go of perfectionism. You’re not supposed to be great at everything on the first try. Let yourself mess up and do things imperfectly and you’ll never stop learning.

4. Learn through relationships

Along with books and other educational resources, the people you surround yourself with are great teachers. Now, that doesn’t always mean you like everyone you meet, but that everyone has something to show you.

Some relationships are there to teach you patience, while others are there to offer unconditional love. You might have some friends who show you how to be spontaneous or more organized or more financially responsible. We never stop learning from the people that surround us.

Join a group to get to know new people

Of course, one of the best ways to let life teach you is by joining social groups. You might already have plenty of friends and acquaintances. However, if you’ve got time for something new, a group could be a great way to branch out.

One of the best ways I’ve connected with new friends is by seeking out people with similar interests. When we moved to a different state, I Googled yoga and running groups in my area. Using social media to discover these local groups led me to find group activities where I could easily connect with people.

The great thing about these groups is that you can tailor your choices to what interests you most. Look online or in the newspaper and try out a group—you don’t have to commit for a lifetime. You can also learn new skills this way, connecting with others while trying a new activity.

Seek out friendships with those who are different from you

After you think about making friends with people because of your shared interests, remember that differences can teach a lot as well. You can never stop learning if you continually look for ways to know people who might think or act differently.

One of the hard parts about social media is that it makes it fairly easy for us to tune out voices that we disagree with. We can “snooze” or “unfriend” people or groups that share differing opinions. And I admit it—I’ve done that a few times, too.

Sometimes, people let you down. It’s just inevitable, right? But it can still be healthy to have at least one or two friends that challenge you in ways that others don’t. They can make you think through your beliefs so you don’t just exist in an echo chamber where everyone looks and acts the same.

If you’re working towards paying off debt, that doesn’t mean you have to cut yourself off totally from your spendy buddies. You just need to make sure they know where you stand. That’s where setting financial boundaries is necessary.

So even if you aren’t BFFs with the person who is your total opposite, maybe you can still learn a thing or two from her. Don’t be afraid of a little disagreement. (But remember to set healthy boundaries!)

Virtual relationships can help you keep learning, too

While talking to a friend online or in a Zoom call isn’t quite the same as in-person, those virtual relationships are worthwhile. Through the power of technology, it’s possible to meet people who live all over the world.

Even though it’s great the world is opening up to more get-togethers, some relationships just can’t be in person all the time. If you have family or friends living across the country or overseas, harness the power of technology to grow closer to them.

How great is it that you can also join a book club with people from any location? Or learn about personal finance via online courses? These virtual relationships can be a way to make sure you never stop learning because there are almost no limits to what you can do.

5. Improve your personal finances

To be financially successful and secure, you never really finish getting a financial education. Just as your relationships and your job might change, your financial circumstances will change all your life as well.

Plus did you know you can get paid to read and earn extra income to put toward your financial goals?

Different financial phases call for different behaviors

When it comes to finances, it’s important to never stop learning because life never stops teaching. Why is flexibility so important? Because your financial picture keeps changing. 

Think about it. When you’re seven years old, a couple of dollars seems like a fortune (that’s what my son tells me.) Then by high school, you might be earning a few hundred or even a thousand bucks a month. That number likely keeps growing as you get older.

Your view of money, how much it’s worth, and how difficult (or easy) it is to keep shifts throughout your life’s seasons. So be sure to adapt your financial decisions based on your current circumstances.

You’ll make different choices about money depending on if you’re a college student, a single mom, or a middle-aged worker. And those choices will keep changing as you approach retirement.

Financial literacy can help you guide others to improve their finances

One of the great things about always having a learner’s mindset is that you can have more compassion for others. Maybe you’ve paid off a mountain of debt. That’s amazing! You can celebrate—and maybe even go out and teach others how to do it.

The more I learn about finance, the more I can see that it’s truly a personal thing, and no one’s finances are exactly like mine. I can imagine some of what others are facing, like financial stress, but I can’t walk in their shoes.

As you learn more about finance, don’t be afraid to share what you’ve learned with others. Let personal finance be a normal topic of conversation instead of taboo.

When we open up to friends and family about money, including our struggles as well as our successes, we all benefit.

Remember to never stop learning because life never stops teaching!

Part of the beauty and difficulty of life is that things are always changing. That is why it's important that we never stop learning when it comes to all aspects of our life, including our finances.

Just when you reach one financial goal, there’s another one coming up right after it. So remember to never stop learning because life never stops teaching.

The post 5 Ways To Never Stop Learning Because Life Never Stops Teaching appeared first on Clever Girl Finance.

]]>
How To Be Content With What You Have https://www.clevergirlfinance.com/be-content-with-what-you-have/ Tue, 08 Mar 2022 14:13:38 +0000 https://www.clevergirlfinance.com/?p=17999 […]

The post How To Be Content With What You Have appeared first on Clever Girl Finance.

]]>

Be content with what you have

Ever find yourself wondering how to be content with what you have? Imagine this: there you are, enjoying a happy Saturday at home. You just decluttered a closet, and you're feeling pretty good about the weekend. You decide to check Instagram to see what your friends are up to.

When you open the app, you find that one of your acquaintances just took a vacation to Hawaii. Suddenly, your Saturday at home doesn't seem so great. In fact, you feel like your day was pretty lame.

Many things in our lives make contentment a challenge. Being content with what you have may seem impossible with all the advertisements and comparison that comes our way. But it isn't. So, let's talk about contentment. What makes it difficult, why you want it, and how it can make your life way better.

What makes being content with what you have difficult?

Being content is pretty much a matter of being happy with your life the way it is. But this isn't easy. Why? Many influences make it easier to envy what someone else has or to want things you perceive as being important, whether they are or not.

This can come in the form of social media, society, marketing and ads, and comparison. All of these have the power to make you lose your joy and peace and live without contentment.

Social media

If there's one thing that makes envy and discontentment way more likely, it's social media. Seeing photos of others' (seemingly) perfect lives, latest purchases, or parties is an easy way to feel like your own life should be better somehow.

The thing is, these people probably aren't all that content with their lives, either. And once you realize that everyone experiences this feeling, it can be easier not to let it get to you. 

Society

You know all those unspoken rules we all observe? It may come in the form of overworking based on how much others work, comparing salaries, or comparing our family or home to someone else's. There are other things, too.

Eating at restaurants that are considered cool, wearing only what's deemed fashionable, being aware of whether you live in a trendy neighborhood or not - that's pressure from society.

To be content with what you have, it's important to let go of society's expectations. This means not letting others dictate where you work, your fashion sense, where you live, or anything else that is your choice.

Ads and marketing

Ads and marketing are part of our lives more than ever. And if advertisers think they can get you to buy something by making you discontent, they're going to try.

While marketing isn't necessarily bad, remember the goal is not to help you but to make money for the company that is selling something. Don't let yourself feel like your life isn't complete without whatever item is being sold.

Comparison

Comparing ourselves to others has gotten way out of hand. This happens when we want our lives to look like someone else's or want something they have.

While it can be tough to see your friends or people on social media who have things that you want for yourself, it won't do any good not to be content with what you have. And it can impact your life pretty negatively.

Why choose to be content with what you have

Sometimes comparison and discontentment are pretty tough to avoid. Why should you actively choose to be content with what you have instead of trying to always have the best of everything? A few reasons, actually.

While we may not actively recognize discontentment when it's happening to us, we can definitely see the effects. Check out these reasons to avoid the comparison game.

Comparison is the worst

Comparison really is the worst. Why? Because it will never be enough. No matter what you buy, where you travel, or where you live, there will always be someone who has something else that you want.

Trying to fill your life with everything others have is exhausting. Not to mention, if you took some time to think about it, you might discover that you don't even want the things that someone else has. So to recap, comparison is a no-win game and tiring.

Comparison is an illusion

Comparison is not even a real thing. Think about it: you want something, so you go buy it. After a few days or weeks, you probably hardly notice that you have that item anymore, right? You're on to the next thing. You don't feel better or like your life has improved. So it's kind of an endless and pointless chase toward nothing.

It also keeps you constantly striving for more, without finding any real joy or satisfaction. But the good news is you can be happy and find purpose without constantly trying to buy or have the best of everything.

You'll be happier

Guess what you have if you aren't discontent? Peace. You can enjoy what you have without the constant need to acquire more. That will help you breathe easier, and you'll likely be a lot happier. Which is what we're all really after, right?

Still need convincing? Jacqueline Pearce, MSEd, LMHC, of Good Therapy, explains that contentment makes you happier because you are free to enjoy the moment. Plus, you can make your relationships more solid.

 12 Ways to be content with what you have

Now that we've established that comparison doesn't do any good, let's find ways to break the habit. It can be challenging, but with some habit changes, it's possible to be content with what you have and not want to have the life or items that someone else has or owns.

We'd recommend trying out a couple of these techniques to find something that helps you break any unhealthy patterns. You don't have to do all of these, but you can if you want! Here are some ways to start being content with what you have.

1. Do a social media detox

It's a favorite for a reason. Free from social media, it's more challenging to even know what you don't have or what you could be missing. And after a short time, you might not even care!

Pick a set day and time to stay away from social media to do a social media detox. Delete apps from your phone, and vow to not check social media on your computer.

Do this for a day, a weekend, or even a whole week. You might notice a lot more contentment after you get this comparison trap out of your life for a while.

You can also replace social media with other healthier habits, like spending time with friends, reading, or practicing a hobby. Make good use of the time you have!

2. Try a no-spend challenge

This one is fun because it will teach you how to be content with what you have and accomplish some savings goals! Decide not to spend money for a set amount of time.

A popular time frame is a month or a week, but you can pick whatever you want. Sometimes when you know you aren't going to buy things, the temptation not to be content can go away, at least some of the time.

3. Write thankfulness notes to yourself

Write notes or letters to read later about things you're thankful for. Include people you appreciate, what you like about your life and what you're grateful to have. This helps you remember everything you already have and can help you be content with what you have.

Place these notes around your home, in a notebook you use frequently, or as sticky notes on your computer. These reminders will bring you right back whenever you feel like your attitude is moving towards discontentment.

4. Declutter your life

Sometimes realizing how much stuff we already own can help with contentment. When we declutter and get rid of things, the last thing we want to do is add more stuff to an already crowded space. This can do a lot for your contentment level by making you appreciate all the items you own.

Start with a part of your home that stresses you out, like kitchen cupboards or closets. Or a whole room if you're feeling ambitious! Then move on to something else when you think you've organized and decluttered the space enough.

5. Make use of what you have

Next time you want something new, think of things you already have that are similar or look for ways to use what you have instead of buying more. For example, maybe you want a new dining table, but the one you have would look brand new with a coat of paint.

Or you can't afford a vacation, but you can spend next weekend having a staycation at home. Use what you've got and learn to appreciate creativity.

Plus, you may find that the joy, time with family, or peaceful atmosphere you were searching for isn't something that can be bought. It's something you already have access to. Using some creativity and thought, you can make use of what you have and be just as happy as anyone else.

6. Tell family and friends you appreciate them

Tell people you care! Take the time to tell each person individually that you appreciate them and are thankful that they're in your life.

Find ways to enjoy the present instead of missing out on good memories and moments with loved ones due to discontentment. Watch a movie, go to the park, or just have fun being with the people you care about.

7. Save for the future instead of spending

Discontentment can lead to overspending on items we don't need or even truly want. Instead of wasting that cash, save up for something in the future that you really care about. Emergency funds, retirement savings, or even something fun like a weekend trip or a handbag are great places to start.

The point is that you begin to think about what you'll want in the future instead of just what you want right now. To save, try using a glass jar to fill with money if you want to be old school about it.

Or set up a savings account for the specific purpose you decide. Commit to a certain amount to save each month or save whenever you start to feel discontent. Whatever works better for you.

8. Create a capsule wardrobe

A capsule wardrobe is full of simple items that all go together. Use only clothing items you already have and primarily neutral colors that will easily match. Then spend some time figuring out outfits. Making a capsule wardrobe will do a lot to teach you how to be content with what you have.

Having a capsule wardrobe will keep you from feeling like you need to buy every new trend that comes out. You won't feel like you need to purchase something constantly, especially if you choose flattering outfit combinations.

9. Change your dialogue

If you want to practice being content with what you have, notice the words you say. Discontent phrases are usually things like, "I wish I had," or "once I get the (promotion, house, car)." Having goals is good, but discontent talk will only make you unhappy. Learn to differentiate between the two.

Use positive, content language instead. Phrases like "I'm happy for that person" or "I'm grateful for" are good places to start. And you can still talk about your goals while staying content. It's okay to say, "Next year I hope to move to (city)," or "I'm working hard to get a promotion," and still be happy about where you are.

10. Volunteer

Volunteering is another great way how to be content with what you have! This will help you think about others instead of yourself and what you don't have. Plus, it can remind you that some people are content with very little and are still happy.

According to Jeanne Segal, Ph.D., and Lawrence Robinson of Help Guide, volunteering helps you to be more connected and can help you be mentally healthy as well as physically.

To volunteer, find a cause you care about and find a way to get involved. This might mean working at an animal shelter, delivering meals to the elderly, or helping out at a homeless shelter. Find a way to contribute, and see how quickly you start to be content.

11. Make it a habit to compliment others

Rather than wishing for what someone else has, be happy for them. Compliment people on their hairstyle, excellent grade on a paper, or their beautifully styled home. People will appreciate your thoughtfulness, and it will make you feel better, too.

This also helps you be excited about others' accomplishments without wishing for your life to be exactly like theirs. Sarah DiGiulio of NBC News states that it's important to give compliments that are honest and to make it a habit to do so often.

12. Think about what you actually want, not what others want or have

Have you paused to think about what you actually want? Sometimes social media and society try to tell you what you want without you ever deciding anything. To avoid this, next time you feel envious, ask yourself why. Do you actually want what that person has?

For example, maybe you feel discontent when you see one of your friends has a bigger and fancier house than you. But pause for a moment, and you may discover you don't really want to clean or decorate a home that large, anyway. That means you can be content with what you have.

Once you realize what you don't want, you can decide what you do want, free of influence from others. Whether your dream is starting a business, completing your master's degree, or visiting every country, you can begin working towards your own goals. When you know what you want, focus your efforts on that, and ignore what others buy or do.

Life will become better when you can be content with what you have

Living and enjoying your own life is absolutely the best way to get rid of envy and discontentment for good. You'll feel so much better, appreciate more, grumble less, and may have a better outlook on everything.

Be content with what you have and use these techniques to help you get there. You may be surprised by how quickly comparison disappears when you're busy enjoying your own life!

The post How To Be Content With What You Have appeared first on Clever Girl Finance.

]]>
How To Create A Self Growth Plan https://www.clevergirlfinance.com/how-to-create-a-self-growth-plan/ Wed, 02 Mar 2022 21:01:12 +0000 https://www.clevergirlfinance.com/?p=17869 […]

The post How To Create A Self Growth Plan appeared first on Clever Girl Finance.

]]>

Self growth plan

Self growth is a continuous journey that leads to your ultimate destination — happiness. A self growth plan is like a road map that guides you through this journey by helping you identify the goals and actions you need to take to get there.

Having a self growth plan is essential for anyone who wants to live a successful and meaningful life — from college students to entrepreneurs to busy moms.

In this article, we’ll discuss the benefits of having a self growth plan and how to create one that works for you!

What is a self growth plan?

Self growth is the process of improving yourself on a personal level. And a self-growth plan is a road map that helps you develop new skills, shed old beliefs, increase self-awareness, and better yourself emotionally and mentally.

In other words, it helps you become the very best version of yourself, owning who you are!

Benefits of a self-growth plan

A self growth plan helps you uncover your true passions, your likes and dislikes, and what you truly want to get out of life. And its benefits are limitless! For instance, a self growth plan can help you:

  • Gain clarity on your goals and what you want to achieve.
  • Identify your passions and what makes you happy.
  • Create healthy habits that lead to a happier lifestyle.
  • Increase your productivity and time management skills.
  • Set yourself up for success in all areas of your life.

Do you really need a self growth plan?

Yes, yes, yes!! Every woman can benefit from a self growth plan. It doesn’t matter what you’re trying to achieve — more confidence, better finances, better health, stronger relationships — having a self growth plan is key.

Here's why:

As a child, your identity is shaped by the people who raise you. And although you may learn some incredible values from them, you may also pick up some self-limiting beliefs along the way.

However, a great part of growing older is that you get to re-evaluate these beliefs. You get to choose which parts of your identity you want to keep and which ones you want to shed.

This process of self improvement and growth as a person is never-ending. And it can perfectly be summed up by this quote from Atomic Habits by James Clear: “Becoming the best version of yourself requires you to continuously edit your beliefs, and to upgrade and expand your identity.” 

How to create a self growth plan: 8 Key steps

Creating a self growth plan is easier than you might think! Here’s a simple, step-by-step guide:

Step 1: Determine which area of your life you'd like to improve

So, the first step to creating your self growth plan is to choose which area of life you’d like to improve. For instance, some things you can focus on are:

Improving your finances

Your finances are intertwined in almost everything you do. Get those in order, and the rest of your life may feel better too.

Firstly, improving your finances could include basic things like taking stock of your current financial picture, setting financial goals, and ridding your mind of money myths.

After that, it could include more advanced things like creating a new budget, paying off debt, or learning to invest for the first time.

Becoming more physically fit or healthy

One of the best investments you can make in yourself is living healthy. You were put on this earth with one body. So, creating a self growth plan to improve your physical and mental health is a great way to take care of it.

Becoming healthier could include going for walks on the weekend, exercising at home three days a week, drinking more water, buying healthier groceries, or even just getting a full night's sleep. And no matter your finances, there are ways to live healthy on a budget.

Working on your mindset

Your mindset is a critical part of growth as a person. If you have a scarcity mindset or a poor mindset, you may convince yourself that life right now is as good as it gets.

So, why try for more? As a result, it can trap you in your current reality and make challenges seem impossible to overcome.

Transforming your mindset into one of abundance can unleash your true potential and help you break through ceilings you never thought possible — whether those ceilings are in your finances, career, personal life, or otherwise.

Increasing your confidence

Confidence is a powerful thing. It helps you feel secure in who you are as a woman. Likewise, it keeps you grounded in strength and high self-esteem. So, if you want to increase your confidence, make it part of your self-growth plan!

It could be as simple as incorporating some confidence building exercises into your life. For example, you could make intentional eye contact with people, take yourself out on a date, or write down everything you've accomplished so far in life.

Finding a dream job or career path

What does career success look like to you? Maybe it's earning a six-figure or even seven-figure salary. Further, maybe it's launching a side-hustle or standing out from the crowd at work.

Whatever it is, adding professional development goals to your self growth plan can be a great way to get one step closer to working in a job you love.

Building better relationships

Communication is important in any relationship. So, for your self growth plan, you may want to focus on building stronger connections with those around you.

This could include talking to your partner about finances, setting firmer boundaries with friends, or even moving on from a toxic relationship.

So, what area of your life do you want to improve first? If multiple resonate with you, it may be helpful to create a self growth plan for each.

Step 2: Get clear on who you want to be

Another quote I love from Atomic Habits is, “The most effective way to change your habits is to focus not on what you want to achieve but on who you wish to become.”

There’s something motivating about envisioning where you want to be in life. So, for this next step, think about the woman you want to become at the end of your self-growth journey.

Where do you live? How do you spend your days? How do you feel? What are your interests and passions? Be detailed!

For instance, maybe you want to be more financially secure. So, you need to get really clear on what you look like as a financially secure woman.

For example, for you, financial security may look like having enough money in the bank to become a digital nomad and travel around in a van full time.

For your best friend, it may mean quitting her full-time job so she can soak up more precious moments with her kids while they’re still young.

Same goal (financial security), different outcome. So, get clear on what your life will look like once you achieve growth as a person.

Step 3: Break your goals down into bite-sized pieces

Once you can clearly see who you want to be, it’s time to break your vision down into bite-sized pieces. This will make it easier for you to identify the specific actions you need to take to achieve your goal.

For instance, if you want to become a financially secure digital nomad, some specific actions you might need to take are:

Breaking down big goals (such as yearly goals), into smaller goals (such as monthly goals) can help you conquer them much easier!

Step 4: Create a timeline for your self-growth plan

Once you have your specific actions, it’s time to create a timeline for completing them. This will help keep you accountable and on track towards achieving your goal. (Remember, SMART goals are key.)

For instance, say you want to move into your sprinter van in two years. Make sure your timeline has enough wiggle room for you to pay off your credit cards and build up an emergency fund first. So, in this case, you may create mid-term goals on your timeline that look like this:

  • First four months: Pay off your credit card debt.
  • Next 10 months: Build up an emergency fund.
  • Last 10 months: Save up for a sprinter van.

Step 5: Focus on getting 1% better every day

Contrary to popular belief, you don’t need to make radical changes in your life to achieve growth as a person. You just need to focus on getting 1% better every day. 

So, step four of your self-growth plan is all about taking daily action. It’s about building up tiny habits that will compound and get you where you want to be three, six, 12 months from now.

One of my favorite ways to do this is with a daily routine. For example, let's go back to our digital nomad example. You could create a daily routine where you spend one hour:

Step 6: Hold yourself accountable by sharing your plan with others

The next step of your self-growth plan is to hold yourself accountable. The best way to do this is by sharing your goals with others.

When you share your vision and timeline with friends, family, or a supportive online community, you’ll be more likely to stick to it because you don’t want to let them down. Plus, it’s always nice to have people rooting for you along the way!

Step 7: Evaluate and adjust as needed

The beauty of a self growth plan is that it’s flexible. Most importantly, you can adjust it as needed depending on what’s working and what’s not.

For instance, if you find it's taking you longer to build up your emergency fund than you thought, it's okay to bump out your timeline. If you find out living in a van is too much work and you'd rather travel internationally part-time instead, that's okay too.

The purpose of a self-growth plan is to help you uncover your likes, dislikes, and what you truly want out of life. It's perfectly normal for those "wants" to change as you gather more information about them.

Step 8: Celebrate your accomplishments along the way!

The final step of your self-growth plan is to celebrate your accomplishments along the way! This will help keep you motivated and inspired as you work towards your goal.

So, make sure to set aside time each month (or even week) to reflect on all that you’ve accomplished. And don’t forget to pat yourself on the back — you deserve it!

Create a self growth plan today!

So, there you have it: a simple eight-step process for creating your very own self-growth plan. This is just a starting point though – feel free to customize and tweak as needed. Above all, the most important thing is that you take steps to create a more fulfilling life for yourself. 

Because let me tell you, there’s something truly magical about getting to know yourself and prioritizing becoming the best version of “you” you want to be.

It puts curiosity in the driver’s seat. And the more you follow this curiosity, the more you align with your true purpose in life.

Get started on your self growth plan and create the life you want!

The post How To Create A Self Growth Plan appeared first on Clever Girl Finance.

]]>
Inner Contentment 101: How To Get Over Feeling A Lack Of Contentment https://www.clevergirlfinance.com/lack-of-contentment/ Fri, 28 Jan 2022 12:42:03 +0000 https://www.clevergirlfinance.com/?p=17038 […]

The post Inner Contentment 101: How To Get Over Feeling A Lack Of Contentment appeared first on Clever Girl Finance.

]]>

Lack of contentment

Have you ever wanted something so bad, but you still feel unhappy and unsatisfied when you get it? This could be because you didn’t really want the thing. It could also be due to a lack of contentment.

Society tells us that our happiness is tied to our income, accomplishments, or possessions. So, we run around wanting more without getting any satisfaction. But the truth is, lack of contentment has nothing to do with the people around us, our circumstances, or what we own. Contentment comes from within ourselves.

In this article, we discuss what inner contentment really is, what causes you to feel a lack of contentment, plus tips on how to actually achieve inner contentment!

What is inner contentment?

Inner contentment is the acceptance of who you are and what you have at any given moment. Having inner contentment means you are not dependent on things, people, and circumstances to make you happy.

Hence, the secret of contentment is being in control of your own happiness. When you’ve developed a strong sense of inner contentment, your outlook in life is not easily shaken or changed by what’s happening in your environment.

On the other hand, lack of contentment is that feeling of being unhappy or “meh” about your circumstances. It could also show up as envy towards other people’s possessions and accomplishments.

As humans, we’re not very good at being true to ourselves or accepting our full selves. But your reaction to situations like a friend of yours posting a photo of her designer bag can tell you a lot about yourself.

Do you cheer her on, or do you say something negative? When you catch yourself being triggered and feeling jealous, don’t judge yourself. Acknowledge how you feel, consider it with curiosity, and use it as a tool to become self-aware, which is a great starting point in developing inner contentment.

What causes a lack of contentment?

The lack of contentment we feel is not surprising when almost everything around us promotes discontent. In this digital world we live in, we are bombarded with images and messages of not being enough until we have the house, the car, the awards, the perfect body, etc.

This is why the weight loss industry is worth $250 billion dollars. And that aside from the food and beverage industry, women’s clothing generates more income than any other sector in the world.

We have a society that encourages us to connect our values and self-esteem to what we do or have. On top of this, we also haven’t taken the time to figure out our values and priorities. 

Your values define what’s important to you and ultimately narrow down what you prioritize. But a lot of us walk around not knowing what we are because we’re too busy achieving goals that don’t make us happy and buying things we don’t really want.

We also get stuck in discontent when we base our contentment on things we can’t control. What other people think, what they feel, or how they’re going to react is beyond our control. So, when we rely on people to make us happy, it can lead to a lack of contentment and overall dissatisfaction with life.

5 Steps to get over feeling a lack of contentment

Learning to be content is a journey. When we have inner contentment, whatever is happening around us does not shake our peace. We remain happy with what we have while striving to do better without comparison, jealousy, or resentment.

Isn’t that such an inviting place to be? So, here are some steps you can take to get over feeling a lack of contentment.

1. Express gratitude

The secret of contentment is gratitude, especially for the little things. Sometimes we forget that we don’t need big reasons to be grateful.

It can be annoying to be reminded of this when you’re in debt or just trying to get by, and you see other people who seem to get everything they want. But take a deep breath and remind yourself that it is a blessing that you’re able to do that.

And then look around and pick out other details in your life that you’re lucky to have. These could be simple things like the little arms around your neck or big things like a promotion you’ve prayed for and already got.

There’s no shortage of things to be thankful for if that’s what you're looking for. The same way that you’ll feel a lack of contentment for everything you don’t have if that’s what you choose to focus on.

2. Develop healthy habits

Another secret of contentment is being healthy. When our bodies and minds are healthy, we feel good, which increases our sense of contentment. This is why it’s important for us to develop healthy habits towards things like what we eat, how we move, or how much screen time we consume.

So, take time to plan your meals or exercise, both of which are healthy habits that help build your inner contentment.

3. Pause to break the buying habit

Having a lack of contentment can cause you to buy things you don't really need. Try to plan and budget for your purchases. Marketing uses urgency to make you buy immediately, but remember it’s only a bargain if you were planning to buy it to begin with.

Give it a thought and decide on a timeframe you’d want to use – give yourself an hour, 24 hours, or a week, it’s up to you. Every time you get the urge to buy impulsively, pause and wait out the timeframe.

If you still want the item after waiting, then go ahead and buy it. But you’ll probably find that you won’t even remember why you wanted it. So, waiting will help you break the habit of shopping impulsively.

4. Connect with others

Surround yourself with people who have the qualities you want to develop. If you tend to be negative, befriend people who are happy and content. It will help you learn how to look at things from another perspective.

And cultivate loving relationships with the people you already have in your life. Invest time and effort to show them that you love them and appreciate them. Fill your days with kind words and actions, give more hugs and say “I love you” more often.

5. Live in the moment

A lot of people wait for the weekend, when they’re retired or that “one day” when everything they’ve ever wanted will magically happen. But that day may never come. Instead, take time to do one thing you enjoy every day, even if that’s just putting on your headphones and dancing to your favorite song.

This is the importance of contentment, you experience life now. You’re not waiting for a day when you can truly live. So, look for opportunities to savor the simple joys of daily life.

You may find that there’s so much happiness to be gained from mundane things like a walk, a good book, or a meal shared with the people you love.

Start with small changes to combat lack of contentment!

There is a freedom that comes from having inner contentment. You’re in control of your own happiness. And you can finally get off the hamster wheel of chasing goals, achieving milestones, or owning material things that society told you will make you happy.

This is the importance of contentment – you get to be you and enjoy who you are. Create the feeling of contentment by defining your values and making small changes like practicing gratitude daily. Now you know the secret of contentment so you can start living your best life today!

The post Inner Contentment 101: How To Get Over Feeling A Lack Of Contentment appeared first on Clever Girl Finance.

]]>
Never Compare Yourself to Others: 6 Reasons Why https://www.clevergirlfinance.com/never-compare-yourself-to-others/ Thu, 06 Jan 2022 12:22:31 +0000 https://www.clevergirlfinance.com/?p=16643 […]

The post Never Compare Yourself to Others: 6 Reasons Why appeared first on Clever Girl Finance.

]]>

Never compare yourself to others

The comparison game. More fashion, more vacations, more money; it never stops. At first glance, comparison can seem harmless or even healthy. After all, shouldn't we all know how we measure up to others? But you should never compare yourself to others, it is invisibly exhausting. After all, running in this race means having first place one minute and coming in last in the next.

The newest Apple Watch, the purse of the season, the job with the corner office - comparison has high stakes that can leave you drained and unhappy.

But if you've chosen to compare, that means you can also opt out. What happens then? Find out the six reasons why you should never compare yourself to others and what to do instead.

6 Reasons why you should never compare yourself to others

We've all heard it's bad for us, but why is that? After all, if you're not looking at what others have, how do you know if you're successful? Isn't it better to see where you stand? The answer is no!

Knowing how well we are doing compared to other people isn't helpful at all. Let's find out what comparison can actually do to your health and life and why you are better off without it.

1. Enough isn't enough

One almost guaranteed thing is this: enough isn't actually enough. It's pretty common to say, "If I just had (fill in the blank), I'd be happy." But if you do acquire that item, job, opportunity, or whatever, you soon get used to it and want more.

People, especially when we feel competitive, like becoming better and better and acquiring more things. That means that we are rarely satisfied with what we have.

If we see someone who has something better, suddenly the things we have just don't seem good enough. The problem with this cycle is that it doesn't end. When we compare, we are forever searching for more.

2. You may feel unhappy

Comparison is a liar. It tells you that you will be happy if you compare and then get what others have. But often, it's the opposite.

The higher we climb on the comparison ladder, the unhappier we may feel. Have you ever met someone who seems to have it all yet is still not enjoying their life? This could be the result of comparison.

So instead of thinking about what others have, removing this from your mind entirely can help you feel a lot better. Just the one action of choosing to stop comparing may change your mood and perspective.

It has even been suggested that comparison makes our lives more stressful and can affect our relationships, according to Elizabeth Scott, Ph.D. of Very Well Mind.

Why bring more overwhelm to an already overloaded schedule and multiple commitments? Added stress has no place in our lives. You will feel much happier if you do not compare yourself with others.

3. Everyone is different

The idea of wanting everything that others have, or more than they have, is actually pretty silly. Why? Because everyone is different!

All of us have talents, different salaries, and personalities. We are all unique, but we try very hard to be the same, rather than embrace that.

For example, it may be hard not to compare if a friend is constantly buying the newest phone model, and you've had the same one for over a year. But then you might realize this friend has a high salary and works hard to stay out of debt.

Upon recognizing that you are both different, comparison suddenly doesn't look so good because you can't compare what isn't the same. So rather than looking at what she has, try looking at your own life and the unique things you bring to the table.

4. You may be comparing yourself to something fake

So…when was the last time you took a photo of yourself for Instagram with no makeup, hair not done, wearing a hoodie and sweatpants, surrounded by a messy house? Probably never, right?

Guess what? Everyone else on social media also only puts the best versions of themselves online. What you are comparing yourself to may be someone's best day, not their worst, or it might be completely fake.

Since we don't always know what's real and what isn't with social media, we can't make an accurate comparison. So why start?

It's okay to not compare a typical day in your life to a photo that someone spent twenty minutes editing. So do not compare yourself with others that could be "filtering" their real life.

5. You can miss out on what you can bring to the world

What's another reason why you should never compare yourself to others? There is no one out there who is exactly like you.

Suppose you are busy comparing and trying to be like everyone else. In that case, you won't bring your unique perspective and ideas to the world.

People won't have a chance to get to know the real you! And there are things that you can contribute at work and at home, for others and yourself, that you may miss if you are thinking about not having what someone else has.

Rather than getting stuck thinking about how you measure up, enjoy who you are. Think about what you can do for other people and what kind of person you want to be.

Focus on that instead of what anyone else is doing. If we all think about how we can help others and be our best selves, the world can get a lot better really fast.

6. Comparison can cause you not to see the good things in your life

Comparing our lives to others makes it challenging to see the good things we already have. If you focus on how great someone else's life is, you may not be able to look around and see that you have good friends, a loving family, a job you like, a talent for piano, or whatever else makes you unique.

As an exercise to help with this, try going about your day and noticing each good thing in your life. For example, living in a home you love, enjoying a short commute to work, or appreciating that you have the weekend off. These are all good things that you don't want to miss or take for granted.

What to do instead of comparing yourself to others

So, what can you do instead if you no longer want to waste time on comparison or feeling envious of others? There are many ways to never compare yourself to others and stay optimistic about your own life.

Be grateful for what you have

If you feel thankful for the things you have, you won't have much time left for comparing. Gratefulness is a habit, and it can take a while to make it part of your life. Start by thinking about what you have whenever you are tempted to compare.

For example, "Well, so and so might have a brand new wardrobe, but even if I don't have that, I'm grateful to have a home and a family I love." Over time, remembering to be grateful will become part of your everyday life and change the way you think.

If you aren't sure how to begin with gratitude, Mindful has a great article about how to get started, including journaling tips and talking with others.

Be excited about your own life

It's hard to be excited about your own life when you are always looking at someone else's. It's better if you do not compare yourself with others, and instead, be excited about your own life. Give yourself permission to be happy about the things you get to do and the experiences you have.

Be enthusiastic about that used car you just bought, purchasing your first home, throwing a birthday party for a friend, or signing up for a marathon. The more you look for reasons to be happy with your own life, the more things you will notice that bring you joy.

Next time you hear about someone's exotic vacation to a tropical island, or their fantastic job, try this: Say to yourself, "Good for them.

But for me, I'm excited about (add in an upcoming event, a new hobby, or something else that you are looking forward to)." It's possible to be happy for others' success while also adding to your own.

Escape social media

While social media has a few benefits, it's where most comparison seems to take place. Taking a break can be highly beneficial and help change your perspective drastically.

One of the best ways to not compare yourself to others is to simply not know what others are doing every minute of the day.

Try out something small at first, like one day without social media. Try a more extended period, like a week, if that goes well. Check out our post on how to do a social media detox!

Appreciate the ordinary

Appreciating the simple things in life is underrated. That first cup of coffee in the morning, a walk outside, an evening out with friends - these are all ordinary things. Still, if you take the time to really enjoy them, you may find comparison disappears.

No matter what your day looks like, spend time looking for the small, ordinary things that make you happy and cause you to enjoy your life more. You can do this in a lot of ways, and the more you appreciate, the less you compare.

Make financial plans for yourself

This is a fun way to move beyond comparison because it's practical. Rather than thinking about the wealth of others or the things they own, make financial plans for yourself.

The comparison stops when you focus on what you can do and not on what others are doing. Here are a few examples of financial plans you can make:

Set a big financial goal for the year

One way to do this is to decide on a big financial goal for the year - something achievable but big enough for you to feel amazing when you complete it.

You might choose to save up a big emergency fund, make a down payment on a house, take a vacation without any debt, or anything else motivating to you. Break your year-long goal down into months to make it simple to achieve.

Get out of debt

Another thing that can be very rewarding is to pay off debt. Make a commitment to yourself that you will be debt-free within a specific time frame, like two or three years. Then work hard to make this happen by budgeting, saving a lot, or working extra hours.

Create long-term financial plans

You might also decide to make a financial plan for yourself for the next year, five years, or even the next decade. If you choose to make a long-term plan, it can help you stay focused and make sure your money is spent intentionally.

These financial plans can help you be the person you want to be, with goals that are right for you. Never compare yourself to others by thinking about your own finances and not other people's.

After all, you have your own path in life, and you likely don't want the same things as the next person, anyway.

Each person has ideas for what to do with their money and savings, but we are all unique in what we want.

Set goals for yourself

Goals are an excellent method for being happy with yourself and your own life. There are so many different goals you can set. You might try focusing on one part of your life at a time, or maybe you'll have several goals at once. Here are some common ones, but you can focus on whatever you want.

Fitness goals

Fitness goals are very popular, and they are healthy! You might make a goal of walking 10,000 steps a day, consistently going to spin class, or running in a marathon. Pick a fitness goal that will be fun and help you be healthy.

Travel goals

Travel goals are interesting, and they are an exciting way to break free from routine. Make it your goal to visit five different cities in the next year.

Or, if you want to stay local, make it a plan to experience as much as you can in your own state. Travel is fun and keeps your mind in the present, which is great for avoiding comparison.

Learning goals

Set a goal to learn something. Whether that's a new language, a new hobby, or taking a course in a subject that interests you, give yourself something to work towards. That way, whenever you are tempted to compare, you can think about your learning goals instead.

Be happy for others

Comparison makes us jealous, unhappy, and sometimes unpleasant. Instead of wanting to have what someone else has, why not be happy for them?

If someone you know gets a promotion, gets married, or buys a new car, be happy about the joy that brings them.

Focusing on being kind is a great way to stop playing the comparison game, not to mention it will make you feel a lot better about life! Next time you feel jealous of someone else, give it a try and see how your attitude shifts.

So when someone seems to have it all, don't view it as a failure on your part. Think about how that person probably worked really hard for what they have, and it's good for them to be successful.

Then remember that you are also doing a great job with your career, family, and life. And someone else having something good doesn't mean that what you have is not good, too.

Discover the things that are unique about you and focus on that

Everyone is their own person, so think about what makes you unique. Are you a great artist? A talented wardrobe curator? A good soccer player?

Seek to better your own skills and think about what you can do well. There are things you can contribute to the world in a way that no one else can, and it's important to realize that.

If you spend time learning what you are great at or what you enjoy, you will be a lot happier. And when you are happy, you are more likely to encourage others to be their best selves, too.

Never compare yourself to others and live a happier life

It's all pretty straightforward. Once you learn to never compare yourself to others, your life will change. You may feel that weight has been lifted off of you, and you could end up a lot happier and more grateful. We are all unique, and the worst way to try to gain success is to bring others down or think that we somehow aren't good enough.

On the opposite side, a great way to have more joy and peace is to encourage other people and focus on your own goals. That way, everyone wins.

No comparison = the chance for you (and others) to help each other and enjoy more happiness in life. So give it a try. Do not compare yourself with others, and watch how much better life becomes.

The post Never Compare Yourself to Others: 6 Reasons Why appeared first on Clever Girl Finance.

]]>
Are You Living A Life Of Financial Integrity? 5 Questions To Ask Yourself https://www.clevergirlfinance.com/living-a-life-of-financial-integrity/ Sat, 06 Nov 2021 10:03:29 +0000 https://www.clevergirlfinance.com/?p=15343 […]

The post Are You Living A Life Of Financial Integrity? 5 Questions To Ask Yourself appeared first on Clever Girl Finance.

]]>

Financial Integrity

Everyone wants to build up their wealth but to do so, you need more than just money. You also need financial integrity. In other words, you need to make sure your daily interactions are aligned with your financial goals. 

But how exactly do you live a life of financial integrity? Keep reading to find out the financial integrity meaning, questions to ask yourself to see if your goals align with it, and steps to take to get on track.  

What is financial integrity?

While the financial integrity meaning is usually used to describe businesses, it can also be incorporated into your personal life. Financial integrity means integrating day-to-day actions that are aligned with your personal financial goals.

It means taking responsibility for your finances and creating a plan to reach your goals. It’s part of living with integrity and being honest with yourself about your financial situation, habits, and values.

Why is financial integrity important?

Financial integrity can help you lead a more fulfilling and successful life. It allows you to prioritize your resources, so you are focusing on the things that matter the most to you. It’s not about having lots of money. It’s about managing the resources you have to reach the goals you want.

For example, let’s say you want to pay off all your credit card debt in two years. Living with integrity would mean making sure you budget to pay off your debt. It means not reaching for your credit card when you want to buy something, but instead making a conscious decision to put aside as much as you can to pay off your debt.

5 Questions to ask if you want to live a life of financial integrity

If you want to have a life of financial integrity, then you need to start by asking yourself these five questions:

1. Do you spend less than you earn?

How much do you spend in a month? Do you have money set aside for your savings and investments? Start by spending some time evaluating your budget and spending habits.

If you’re in the red every month and have nothing left to put towards your financial goals, then you are likely unaligned. So this means you are living beyond your means and you need to reassess your finances.

2. Do you spend time analyzing and understanding your investments on a regular basis?

Do you set aside time every month and quarter to check your finances? What about your investments? Do you understand why your investments have risen or fallen each month?

If you know you need to understand your investments better but keep finding excuses to not do the work, then you’re not living a life of financial integrity. We all do this from time to time, but it's essential to prioritize your finances.

Investing might seem daunting at first, but spend a bit of time each week to learn new concepts and you’ll find it’s not nearly as complicated as it appears to be.

3. Do you manage your cash flow?

Do you know where your money is? Or do you have a budget? Do you know what your net worth is? In a business, it’s more important to have good cash flow than it is to have a profit.

Why? Because even if a business posts a profit, if they are in a lot of debt and don’t have extra cash free to invest in their company, they aren’t able to build their business. The same goes for your personal finances. Having cash flow means having the ability to invest in yourself.

4. Do you set financial goals each quarter and year?

What are your financial goals? Sure, you might have a few big ones like buying a home or retiring comfortably. But have you broken it down into specific steps? Setting goals each quarter and year means you’re more likely to reach those goals. You could even break it down into monthly goals to make it easier to achieve!

Breaking down something big like buying a home makes it more measurable. Maybe you want to save $50,000 for a downpayment on a house. Instead of looking at the end number, break it down into smaller goals, like saving $10,000 each year. 

5. Are you using the best tools and resources at your disposal?

There are a  lot of tools and resources available when it comes to personal finances. Are you using the ones that are best for you? Or are you making your life unnecessarily difficult by not using all of the resources available to you?

You can start with our completely free financial courses and worksheets here at Clever Girl Financ eto expand your knowledge of finances so that you can live a life of financial integrity.

4 Ways to align your life with financial integrity

So now that you have done a bit of self-reflection it's time to take steps to start living with integrity!

1. Grow your savings every month

The best thing you can do for yourself is to put money into your savings. You don’t have to put a lot aside. While most experts recommend setting aside 20% or more, the amount you put aside is highly personal and depends on your current financial situation.

The most important thing is to put aside something. Once you have a good savings amount and an emergency fund set up, you can use your savings to build up your wealth and reach your financial goals. That can mean paying off debt, putting more into an IRA, or buying a home. One of the easiest ways to find more money to save is to start living below your means.

2. Keep a budget and review your finances regularly

So, the second-best way to align your life with financial integrity is to keep a budget. There are a lot of budgeting systems out there. The most important thing is to find one that works for you and stick with it.

And make sure you are reviewing your finances on a regular basis. Goals change. It’s important to keep your goals and finances aligned. If you’ve decided to buy a new car instead of remodeling your bathroom, your daily financial habits will change as a result.

3. Spend time researching investment strategies

Knowledge is power. While this might be a cliche, in the investing world, it’s a very true cliche. And the best way to get knowledge is to study. Take a few courses on investing, read blogs and books, and read the financial news. Understanding investing concepts can help you figure out how to manage your investments.

There are lots of different investing strategies out there. There’s no one system that fits everyone. In fact, you’re likely to change your investing habits and strategies as you get closer to retirement. 

4. Make prudent investments on a regular basis

And lastly, if you want to live a life of financial integrity, you should invest on a regular basis. If you do step three, you’ll have the insight you need to make sound investment decisions.

Start by setting up an IRA and making regular contributions. And use step two to review your investments on a regular basis.

And remember that investing doesn’t necessarily mean investing in the stock market. You can also invest in yourself, whether that means paying off your student loans or creating your own business. The most important thing is to make sure your investments are aligned with your personal goals and values.

You can live a life of financial integrity!

Living with integrity is essential to ensure your success and happiness. You don’t have to be rich to have financial integrity. At its core, financial integrity is about living a life of meaning and making sure your goals and values are aligned with your finances.

Start working towards financial integrity with our completely free "Build a solid foundation" bundle! You will learn how to organize your finances, transform your money mindset, create financial goals, and make a budget that's perfect for you. Also, tune in to the Clever Girls Know podcast and YouTube channel for more top money tips!

The post Are You Living A Life Of Financial Integrity? 5 Questions To Ask Yourself appeared first on Clever Girl Finance.

]]>
60 Journal Prompts For Self Discovery https://www.clevergirlfinance.com/journal-prompts-for-self-discovery/ Fri, 13 Aug 2021 22:06:40 +0000 https://www.clevergirlfinance.com/?p=13217 […]

The post 60 Journal Prompts For Self Discovery appeared first on Clever Girl Finance.

]]>

Journal prompts for self discovery

Do you need some inspiration to start journaling? If so, your going to love our list of journal prompts for self discovery. You’ve probably read about the benefits of journaling. Or maybe you have a friend who swears by it and promises it’s life-changing.

If you’re anything like me, you’ve been inspired many times before and purchased notebook after notebook, hoping the next one will be the one that motivates you to start a journaling practice. And then, that notebook sits in your drawer like all of the others, untouched except for when you use it as scrap paper or for a grocery list.

There’s no doubt that a journaling practice is one of the keys to changing your life. A self discovery journal can help you reflect on your goals, hold yourself accountable, and uncover your true self. Who wouldn’t want that (and for free, too!)?

But not everybody can just sit down with a blank journal, reflect, and pour out thousands of words. If that’s you, don’t worry – we’ve got you covered. Use these journal prompts for self discovery as a guide whenever you want to dive deeper into self discovery or when you are drawing a blank.

The benefits of a self discovery journal

So what exactly is a self discovery journal, you might be wondering? And why should you start one? Journaling, in general, is an excellent way to take a pause, reflect, and have a space to share your most intimate thoughts and feelings.

A self discovery journal is a way to learn about yourself and uncover thoughts you might not even know you had. Here are just a few of the many ways starting a self discovery journal can help change your life:

1. Organize your thoughts

Do you ever feel scattered or like you have nowhere to store all of your thoughts? Nothing is better for a racing mind than journaling. Getting your thoughts down on paper lets you see things clearer and through a new lens.

Self discovery journaling, in particular, can help you organize the thoughts and ideas you didn’t even realize you had.

2. Express yourself in a safe space

Is there anything that you think or say to yourself that you would never share with anyone else? Instead of keeping that bottled up, journaling gives you the chance to share things you don’t feel comfortable sharing with anyone else because it’s a totally judgment-free zone.

3. Release stress and improve health

The benefits of journaling include mental and physical health benefits. Not only is journaling a proven stress-reducer but it also has even been shown to strengthen the immune system and decrease the symptoms of other health conditions.

4. Discover your true and authentic self

Lastly, if you want to discover (or rediscover) your true and authentic self, there’s no better way to do this than through self discovery journaling. If you’ve lost yourself a bit, journaling is a way to figure out your true desires and dreams and find your voice again.

How to use the self discovery prompts

So, the prompts below are all meant to get you thinking about and reflecting on the most important person in your life – you! You can work your way through the list, choose a particular category to focus on, or pick prompts out randomly.

There’s no right or wrong way to use this list. Instead, use it as a guide to help you on your self discovery journey. To get the most out of your practice, try to choose at least one prompt to write about every day. This way, you’ll get in the habit of working on yourself, and you’ll see changes come about sooner rather than later.

Top 60 journal prompts for self discovery

Are you ready to dive in? Here is the top 60 journal prompts for self discovery in the categories of self-worth and confidence, finding your purpose, relationships, strengths and weaknesses, gratitude, acceptance, and, our favorite here at Clever Girl Finance, financial wellness!

Journal prompts for self-worth and confidence

Are you struggling with confidence or self-worth? Here are some journal prompts for self discovery that will help you boost your confidence and feel good about being you!

1. What are you proud of yourself for?

2. What makes you unique?

3. Write a list of things you can do on a daily basis that make you feel great. (Then, work to incorporate them into your daily routine!)

4. What challenges have you faced and overcome?

5. What do you love about your body? Your mind? Your personality?

6. When during your life did you feel the most confident? Reflect on that version of yourself and what (if anything) is different now.

7. Do you celebrate your successes? Reflect on your accomplishments and whether you give yourself credit for these successes.

8. Create a list of ten compliments to give yourself each morning or when you need a reminder of your worth.

9. Imagine the most confident version of yourself. What does she look like? How does she act? How does she carry herself and engage in the world?

Journal prompts for finding your purpose

These prompts will help you find your purpose if you are feeling a bit lost.

10. How do you want to be remembered?

11. How do you picture yourself in ten years? Twenty years? The end of your life?

12. What problems do you wish you could solve?

13. What would you do with your time if money were no obstacle?

14. What are your personal core values?

15. What are your unique talents and abilities?

16. What did you love to do as a child?

17. When do you feel most alive? What excites you?

Journal prompts for relationships

Whether you're drifting apart from friends or trying to find the love of your life, use these prompts in your self discovery journal to reveal what you truly want and who is the most important to you.

18. What qualities do you look for in a friend? In a romantic partner?

19. Who are the most important people in your life?

20. Who do you miss?

21. If you were stranded on a deserted island with just one person, who would you want that to be and why?

22. Have you ever had your heart broken? How did you heal?

23. Do you believe in soulmates? In love at first sight?

24. How do you feel when you are alone?

25. Do you hold grudges, or do you easily forgive?

26. What does good communication in a relationship look like to you?

27. Who can be your true self around?

Journal prompts for strengths and weaknesses

These are the best journal prompts for self discovery that will help you determine your strengths and weaknesses.

28. What things are you better at than most other people?

29. Do you have any skills that surprise others when they learn about them?

30. What was the last big issue or problem you faced, and how did you solve it?

31. What is holding you back?

32. What do you wish you could change about yourself?

33. What talents or qualities in yourself do you want to cultivate? What kind of support do you need to accomplish this?

34. Describe a time where your weakness held you back from reaching a goal. What could you change to help you reach that goal next time?

Journal prompts for gratitude

Don't forget to make room in your self discovery journal for gratitude. Learning how to appreciate the little things can bring you much joy!

35. What is something you are grateful for today that you didn’t use to have?

36. What simple pleasures are you grateful for?

37. What about your body are you grateful for?

38. Describe a friend you are grateful for.

39. What mentors or teachers are you grateful for having had in your life?

40. What cheers you up when you feel down?

41. Write a thank-you note (you don’t have to send it unless you want to) to someone who helped you reach a goal.

Journal prompts for acceptance

Accepting yourself and showing yourself love is important to your well-being. Here are some prompts to encourage acceptance. Be sure to check out our list of self-love affirmations too:

42. What does your inner critic tell you? Why is she wrong?

43. Do you ever feel like an imposter?

44. Is there anything you want to change about yourself? If so, can you accept that and love that part, even if you want to change it?

45. Is it hard or easy for you to accept compliments?

46. Do you have any feelings of unworthiness?

47. What is blocking you from loving yourself fully?

48. Do you feel like you deserve love? Deserve to be happy? Deserve to have everything in life you want? If not, why not?

49. Write down ten things you love about yourself.

Journal prompts for financial wellness

Work on your financial wellness and get your money right with these excellent prompts:

50. What does having “enough” money mean to you? What does being “rich” or “wealthy” mean to you?

51. How do you feel about money? How would you like to feel about money?

52. What is your money story?

53. Do you have any negative emotions around money?

54. What would you do with a no-strings-attached gift of $1,000? How about $100,000?

55. How do you talk to your friends, family, and partner about money?

56. What do you want your finances to look like in five years? Ten years?

57. What could you start doing today to improve your finances?

58. When you think about the future, how do you picture yourself during retirement?

59. What do you wish you understood more about money? How could you educate yourself about it?

60. What are your current financial goals?

Start using these journal prompts for self discovery today!

There you have it – 60 journal prompts for self discovery. Grab one of those unused notebooks you’re sure to have lying around (we all have one!) and make today the day you start a self discovery journal practice.

You can also include your financial goals in your journal to keep you motivated towards financial success! Learn how to create the perfect financial goals with our completely free course!

Also, be sure to follow Clever Girl Finance on Instagram, Facebook, and Youtube, for top financial tips and motivation to get your money right!

The post 60 Journal Prompts For Self Discovery appeared first on Clever Girl Finance.

]]>
Setting Yourself Free To Live Your Best Life! https://www.clevergirlfinance.com/setting-yourself-free-to-live-your-best-life/ Wed, 14 Jul 2021 14:16:37 +0000 https://www.clevergirlfinance.com/?p=12571 […]

The post Setting Yourself Free To Live Your Best Life! appeared first on Clever Girl Finance.

]]>

Setting yourself free

With all of the choices and freedoms we are so lucky to have in this day and age, do you feel free? Genuinely free? Or is something standing in your way? Maybe you feel trapped. Or like your life is not what you truly, deep down, want it to be. If you can relate to feelings like these, it’s time to set yourself free to live your best life.

Along the way, by setting yourself free, you’ll not only find freedom, but you’ll likely achieve your financial goals, too.

Let’s dive into how you can set yourself free to live your best life and reach your financial goals.

Because life is too short to spend trying to live up to someone else’s expectations or dreams when you have so many of your own!

Start by getting out of your own way

Many of us are our number one worst enemy. If you want to truly set yourself free, it’s time to step aside and get your of your own way. Easier said than done, right? Here are some ways to accomplish this:

1. Move through your fears

Nobody is truly fearless. Some people, though, have the skills to be scared but move through that fear and accomplish their goals anyway. If fear is holding you back, one way to set yourself free is through exposure.

Let’s say you are afraid of public speaking but know that improving that skill would help you at work and bring you more job satisfaction.

The best way to move through that fear and accomplish your career goals would be to practice, practice, practice. It will be tough at first, but working through that fear will set you free once you reach the other side. Lots of people have negative emotions, including fear, around money.

Maybe you are afraid to know your debt amount because you don’t have a plan to pay it off, so you don’t open your bills. Only once you tackle that fear and begin to open those bills can you come up with a plan to fix your finances.

Debt is a huge burden, but once you have a plan in place to pay it off, you’ll be on your way to freedom.

2. Set aside limiting beliefs

Limiting beliefs are negative thoughts you have about yourself that prevent you from living your best life and accomplishing your goals.

Have you ever thought or said something like “I’m too old to go back to school,” “I’m not good at managing money,” or “I’m not focused enough to accomplish that”?

These are classic limiting beliefs and, while they feel true to you, they are not rooted in truth. Sure, maybe you don’t think you are good at managing money.

But that’s probably because you were never taught how to do it. You aren’t “bad” at money; you simply need to educate yourself on how to manage it and reframe your mindset.

Instead of telling yourself how terrible you are at managing money, start to talk to yourself positively, saying things like “I am learning to manage my finances” and “I am on my way to becoming debt-free.”

Setting yourself free by living authentically and in line with your values

Do you know your personal core values? A key to setting yourself free is understanding these core beliefs. Start by making a list of your top five core values. These are the principles that you make all of your decisions based upon and they strongly tie into your "why".

For example, if one of your core values is growth, a life of freedom would look like one where you were constantly learning new things.

If you were stuck in a job with little room for upward mobility, that would go against this core value, and you would have a difficult time feeling free. This concept of money core values would also tie into your financial integrity.

Living a life of freedom is all about understanding your core values and making choices based on those and not what other people think or want for you.

Setting yourself free from busyness

Do you find yourself answering “so busy!” to the question “how are you?” If so, it might be time to slow down a bit and free yourself from busyness.

If you want to live a slower life and have more time and room just to be, you should have that. This type of freedom – the freedom from busyness and the gift of time – is priceless.

For starters, you can stop talking about how busy you are. Instead, let people know what you’re up to. Are you working on a new project at school that is keeping you busy?

Share that information instead, and you’ll begin to free yourself from the “busy” label. At the same time, you’ll also get to share important parts of your life with those who care about you.

One practical way to set yourself free from busyness is by using your money to buy time. For example, if household chores are keeping you busy and you have no time for yourself, consider outsourcing some of these tasks to buy yourself time.

Freeing yourself from other people’s expectations

When you no longer care about other people’s opinions, seek their approval, or try to meet their expectations, you will be set free in so many ways.

Are you stuck in a cycle of doing things that meet other people’s expectations instead of your own? Luckily, there are ways to break free from this and let go of other people’s expectations, such as:

  • Living according to your personal core values and not someone else’s.
  • Expressing your opinions and what you truly want.
  • Realizing that other people’s expectations are just their opinion. It is their problem if you don’t live up to them, not yours.

Learning not to worry what others think of you is how to truly set yourself free!

Setting yourself free by setting goals

What’s your vision of freedom? For some, it’s sitting at a beach with a cocktail on a Tuesday afternoon. But for others, freedom comes from structure. Having structure in life, like setting and achieving goals, can actually set you free.

Think about what you want from your life. Take some time to write it down and include all of your wildest dreams. From there, break it down into actionable goals.

Do you have financial goals? Professional development goals? Whatever they are, by knowing your goals and living your life accordingly, you will be on your way to setting yourself free.

You don’t want to have dreams and goals that you never accomplished because you never made a plan! There is more freedom in structure and purposeful goal-setting than in letting life take you where it happens to take you based on the desires of others.

Decluttering your way to freedom

Your stuff might be weighing you down and preventing you from living a life of freedom. Clutter can actually cause you tons of stress and negatively affect your finances. If you feel overwhelmed by all of the stuff in your life, it might be time to embark on a decluttering project.

Then, once you have control over the things you have, you can consider taking it a step further and embracing a minimalist lifestyle.

One of the many benefits of minimalism is how much money you can save by no longer buying things you don’t need. You’ll feel lighter as soon as you begin to tackle the clutter and will feel even freer once you spend money only on things that you truly need.

Setting yourself free from comparison

The last thing that might be holding you back from living free is comparison. You don't have to do it because everyone else is. When you stop trying to keep up with the Joneses, life opens up.

Again, it all goes back to you, your core values, your goals, and your dreams for your life. Not anybody else’s. Ask yourself – what do you really want?

When you begin to think more carefully about your life and what you want and stop comparing yourself to others, you’ll get to a place of freedom that not many people ever reach.

Set yourself free, live your best life, and achieve your financial goals

Sometimes all it takes is a little reflection to realize that your life doesn’t look like you want it to. Luckily there are so many ways to change course!

Hopefully, if you’re feeling stuck or unhappy with where you are in life, these tips will help you move through those feelings and set yourself free.

By setting yourself free, you’ll be well on your way to living your best life and achieving your financial goals! Get started on your path to freedom by enrolling in our free financial courses!

The post Setting Yourself Free To Live Your Best Life! appeared first on Clever Girl Finance.

]]>
Balancing School And Work Plus Financial Tips For Every College Student https://www.clevergirlfinance.com/college-student-guide-to-balancing-work-and-school/ Mon, 17 May 2021 01:16:30 +0000 https://www.clevergirlfinance.com/?p=11544 […]

The post Balancing School And Work Plus Financial Tips For Every College Student appeared first on Clever Girl Finance.

]]>

balancing work and school

Now, as a college student, I’m no stranger to balancing school and work. Having held various jobs since I was 15, I look at this as preparing for the future. Working and going to school full-time is one of the most difficult things I’ve learned to conquer in my short 20 years of living.

Currently, as a proud worker of three jobs – it’s important that I know how to handle this jam-packed schedule while still keeping my education as the main priority. Nothing makes me more proud than handing over a check from my bank account every semester, paying and upkeeping for my own car, and balancing various expenses.

If you're feeling a bit overwhelmed with your schedule, check out how to balance work and school with your time and finances.

5 Ways you can balance school and work as a college student

Your time is valuable, which is why learning how to properly balance your time when working and going to school is essential. Here are 5 ways you can balance your schedule as a college student.

1. Plan your time between school and work

I’ve always struggled with finding a healthy balance between school, work, and social life. Also, I’ve gotten used to saying no to any plans and had a problem sitting still. I’ve scheduled my classes to take place in the mornings and go right from class to work.

At first, this routine was tremendously stressful, but I found my niche. Saying affirmations for students helped as well. I work best in the mornings, so often, I do my homework days in advance in the mornings and on the weekends. Preparation and motivation are hard to attain, but developing a routine, writing it down, and sticking to it will pay off.

Being a college student and working a 30-hour workweek seems like a lot, but I couldn’t be happier to be doing it. Yes, the money I’m earning and paying towards my education is important, but so are the experiences I’m getting and the relationships I’m making.

Working for jobs and internships in my field has opened my eyes to what I want for my future and what I can really see myself doing- you only learn this through job experiences.

In addition, working in the foodservice industry has opened me up to a lot of new people and connections that have helped me further my career. Small gifts of school supplies, articles pertaining to my studies, and book recommendations are simple things that remind me why I love working and meeting people. I've benefited in many ways by working and going to school.

If you don't have a ton of spare time to work part-time, you can consider some passive income ideas for students.

2. Batch your tasks

One of the most important things you need to do when working full-time and going to school is to optimize your time and productivity. The most effective way to do this is by batching your tasks. Batching tasks is when you group similar tasks together to work on.

For instance, if you were researching and writing a paper rather than jumping back and forth between the two, you would batch your research tasks then switch to writing your paper. This helps you become more productive by streamlining your tasks.

After you batch your tasks, you can then start time-blocking too. This is where you block off sections of time to complete whatever task you are working on. For example, if you were going to do research tasks, you would block off time on your calendar to complete them, such as 9 AM-11 AM. This is a very effective method for time management. These are key methods to balancing work and school.

3. Enroll in online classes when possible

Another excellent way to balance school and work is to enroll in online classes when possible. Taking classes online results in more time for work, studying, and leisure time because you cut out many hours from commuting to school.

For instance, let's say it takes you 20 minutes to get to school one way. That's an extra 40 minutes a day which adds up to over three hours a week you free up! That's quite a bit of extra time you could spend studying or even pull a couple of extra hours at work.

4. Get organized

A vital part of balancing work and school is getting organized. Being organized prevents you from wasting time searching for lost items such as your keys or phone. It can also keep you from paying bills late and can help you master your time too. Knowing where everything is will keep you from getting overwhelmed from working full time and going to school.

It would also help if you used a planner to keep track of your school and work schedule to ensure you stay on track. This will prevent you from missing classes or work shifts too.

5. Treat yourself

It's important that you treat yourself for your accomplishments. Rewarding yourself for achieving your goals as a college student will help prevent burnout and keep you motivated!

Taking time out for self-care and enjoying yourself is a part of balancing your life. There are plenty of ways to reward yourself even on a budget.

5 financial tips for college students balancing school and work

Working and going to school can be a challenge for any college student. However, it's important that you also stay on top of your finances. Checking in with your finances regularly can keep you from busting your budget and help you stay on track with your money goals.

It's way too easy to blow money as a college student, especially when it comes to going out. In fact, 5.5 billion dollars are spent by college students on alcohol every year. That can add up to quite a bit of cash!

The key to balancing working full time and going to school is to create a financial plan. The last thing you want to be is a broke college student, and you can avoid this by learning how to manage your money wisely.

Learning how to manage your money as a college student can set you up for financial success. Check out these 5 key financial tips to help you with your money while working and going to school!

1. Create a college student budget and track your cash flow

Budgeting your money is an important part of balancing school and work. It's crucial you create a budget every month, especially if you have inconsistent income. Pick a budgeting method that works best for you and get started.

Also, if you pay for tuition as I do, you should absolutely set up a payment plan, if possible, that is paid each month. As for loans, take only what is necessary and start to make monthly payments on the loans. You’ve already heard it a million times but do not make the minimum payments! The more you pay, the less interest accrues.

After you calculate your monthly expenses for tuition, books, transportation/gas, and a small allowance for various expenditures, find out how much you need to be making.

2. Get the right job

The go-to jobs for college students include restaurants and bars; I definitely recommend this if you thrive in fast-paced environments. For those who need calmer environments – babysitting is definitely an easy opportunity for students to make money.

The hours are flexible, and you can always pick up more hours, morning or night. Don't forget to check out remote jobs too!

If you’re looking for more work experiences, do not overlook paid internships – that’s right, they exist! Internships always take priority over any waitressing job, be persistent in working out a fixed hourly wage.

Once you have a steady stream of income, you can begin your money schedule. In a spreadsheet, list everything you pay monthly in one column and the amount you bring in monthly. From there, you can figure out if this job is right for you and will be earning you enough money.

Don’t’ forget you do not have to feel like you’re stuck at your job! It's vital to find the right job to help you balance school and work.

3. Avoid credit card debt

It is way too easy to start charging on your credit cards. However, it's crucial that you avoid racking up debt in college because you don't need to have more debt in addition to any student loans you have.

Only use your credit card if you can pay the balance off every month, so you avoid debt and high-interest costs. If you can't afford it with what you are earning with your job, then just avoid it.

4. Try to avoid student loans

One of the biggest money-savers you can do as a college student is to avoid student loans. You can do this by applying for grants, scholarships, or even crowdfunding to supplement costs. Do your best to save as much as possible towards your college education as well.

Another way to reduce costs is to find housing off-campus. Finding an affordable apartment instead of living on campus is a great way to reduce college expenses.

If you still have to consider student loans, compare student loan options to save as much money as possible. This way you have money for more important things such as investing!

5. Find budget-friendly things to do to save money

Eating out, going to the movies, and shopping can seriously bust your budget. However, it's super easy to find fun things to do that are budget-friendly or even free! You can visit museums, parks, or other low-cost places to enjoy yourself on a budget.

Try a new hobby, or maybe you can learn an instrument. There are plenty of productive and fun things you can do rather than spending money.

Be a successful college student balancing school and work

Working full-time and going to school can be a challenge, but applying these tips will help you balance your time efficiently. You just need to fully understand your money needs and find a healthy balance between work and school.

Most importantly, do not let your job(s) overshadow your ultimate goal of a degree. Being proactive by creating a budget and making financial goals can help you become a successful working college student!

The post Balancing School And Work Plus Financial Tips For Every College Student appeared first on Clever Girl Finance.

]]>
How To Avoid Living A Wasted Life: You Deserve Better! https://www.clevergirlfinance.com/avoid-living-a-wasted-life/ Sat, 08 May 2021 13:03:08 +0000 https://www.clevergirlfinance.com/?p=11516 […]

The post How To Avoid Living A Wasted Life: You Deserve Better! appeared first on Clever Girl Finance.

]]>

Avoid a wasted life

Decades from now, when you look back on your life, will you feel fulfilled and like you accomplished your wildest dreams? Or will you feel like you wasted this one, precious life? Only you can know what a fulfilling life looks like. But whatever fulfillment means to you, there’s a way to reach it and avoid living a wasted life.

Let’s dive into just how!

Focus on yourself and your future

The first step to avoiding living a wasted life is to live for yourself and go after your dreams, not the dreams others have for you.

You can do this by dropping the expectations others have placed on you, not shaming yourself for your past, and being kind to yourself going forward. Here’s how:

1. Forget about the “shoulds” and the “have tos” and live life for yourself

Think about all of the things in life you want to do. Now think about all of the ones you think you should do or have to do. Which list is longer?

If you’re like many of us, the list of other people’s expectations is longer than the one with your own dreams and desires. If you want to avoid living a wasted life, it’s time to change that.

Whether it is your parents, your husband, society in general, or someone else, many people look to others for what we “should” do, and for a timeline for doing it. Lots of these shoulds are said by well-intentioned people.

Things like: get a college degree, get married by age 30, have 2.5 kids, etc. While these are all great, they are also not for everybody, and certainly don’t need to happen on society’s arbitrary timeline!

How can you start living life on your own terms? There are many tactics to combat the “shoulds,” and it might take some work to truly stop living according to someone else’s opinions.

But a good place to start is by reminding yourself that this is your life, and your opinion is the only one that truly matters.

2. Don’t shame yourself for where you’ve been or what you’ve done

According to Dr. Brené Brown, an expert in vulnerability and shame research, shame is the painful feeling or experience of believing that one is flawed and therefore unworthy of love or belonging. If you feel shameful, you believe that you are inherently bad.

We all feel shame from time to time, whether it’s about financial choices we’ve made, something we said at a party five years ago, how our relationships have panned out, or infinite other situations.

But believing that you are a bad person for the mistakes or choices you’ve made is detrimental to living a fulfilling life. Some ways to combat feelings of shame when they creep in include sharing those feelings with someone you trust and knowing your own value.

3. Be kind to yourself

If you want to avoid living a wasted life, it’s time to stop the negative self-talk. We talk to ourselves all day long. How often do you stop to think about what you are telling yourself? When you do, you might be appalled at how you’re treating yourself.

Your voice is the loudest and most constant voice in your life. Instead of beating yourself up, speak to yourself as you would a best friend, a sister, or a child.

The words you use are powerful. Telling yourself that you can’t do something or that you’re not good enough will make it that much harder to accomplish your goals.

On the other hand, if you encourage yourself and speak to yourself lovingly, you’ll be amazed at what you can achieve.

Step into your true self

Whether we are in touch with her or not, there’s an authentic, true version of ourselves living inside of us. To avoid living a wasted life, slow down and tap into your true self. Here’s how:

1. Choose yourself and your dreams, no matter how wild they seem

Sometimes, our dreams are scary. They seem so wild and crazy that we never say them aloud, and sometimes we don’t even admit them to ourselves. But what if you let yourself dream a little? Let yourself imagine what a better life could be?

If you want to avoid living a wasted life, don’t settle for the safe path. Pursue those dreams, as wild as they may sound, and you won’t regret it.

You can even pursue your dreams and achieve financial success at the same time, so there’s no reason not to go all in and give it a shot.

2. Look to your younger self for guidance

Do you know what your dreams are? Maybe it’s been so long since you let yourself dream big that you’re struggling to know what your dreams even are. The best place to look when this happens? Your younger self.

What did she want out of life? Did your younger self dream of traveling, becoming an elected official, having kids, living on the beach? Maybe she wanted to become a scientist, an astronaut, or a baker.

Whatever it was, don’t ignore it. Sure, you might not actually decide to open a bakery, but remembering that baking sparked your joy back in the day can give you clues to what would be fulfilling now.

Think of what the little girl version of you would think of you today, and start pursuing those passions again. You are the only one you need to satisfy to ensure you don’t live a wasted life.

3. Keep your curiosity alive

A wasted life is often a boring one. It’s one where a person has so much potential, and so much to offer, but they stay stuck and don’t grow into the person they could become. Don’t let this happen to you! One way to do this is to stay curious.

Luckily, curiosity isn’t only for children. Adults can cultivate their curiosity, too, even those who may have lost it along the way.

Set your dreams in motion

Life is what you make of it. So if you want to make your dreams come true, there are certain things you have to do: put goals in place, work to reach those goals, and surround yourself with the right people to help you along the way. Here’s how:

1. Make plans and set goals

Have you ever felt directionless and like life is taking you along for a ride you have no say in? If so, you probably didn’t have any goals you were working toward at the time.

If you don’t set goals, you will go through life aimlessly. Maybe it will be a fulfilling life, but maybe it will be a wasted one.

Achieving your dreams takes work. Setting goals will give you the direction you need to change and make all of your dreams come true.

Think of all of the areas of your life you want to achieve things in and set goals accordingly. Some examples include professional development goals, relationship goals, and, of course, financial goals.

2. Avoid bad habits

We all have them, and most of us know that our bad habits aren’t helping us live fulfilling lives. The good news is that you probably also know what good habits and practices make you feel alive and like you can conquer the world. Those are the habits to tap into in order to avoid living a wasted life.

The next time you find yourself falling back into a bad habit like bingeing Netflix instead of working on your side hustle, remind yourself of your dreams and goals.

This is the best way to help get you back on track to living that amazing, incredible life that you deserve.

3. Surround yourself with the right people

We don’t go through life alone, and the people we surround ourselves with often make the difference between a wasted life and a fulfilling one. It’s time to distance yourself from anyone in your life who doesn’t build you up and support you.

If you have to constantly explain your choices or justify your decisions to someone, that’s not someone you should have around.

Just like you need to be kind to yourself and drop the negative self-talk, it’s important to drop those negative other voices, too.

Don’t forget about your finances

Money will help you along the way to living your authentic life. Keep these tips in mind as you go about your life. Remember that while money isn’t everything, it is an important tool if you want to avoid living a wasted life.

1. Spend on the things that matter

Don’t waste your money if you don’t want to live a wasted life. Figure out what your needs vs. your wants are, and spend accordingly. By not spending money on things you don’t need, you’ll see your savings skyrocket in just a short amount of time.

Even better, you might find yourself getting back in touch with things that matter more than material things, like your relationships and experiences.

2. Don’t stay at a job you hate

One of the biggest regrets of the dying? Working at a job they hate because of the money. You likely spend more time working than doing anything else.

You deserve to enjoy doing what you spend the most of your time on! Staying stuck in a job that makes you miserable just because it gives you a paycheck is no way to live.

3. Get paid what you’re worth

No matter how much you love your job, it’s never going to be perfect all of the time. But what it should always be is something that values you and pays you what you’re worth.

Not only will you be closer to achieving your financial goals if you are paid what you’re worth, but you will also feel more fulfilled and more valued, and that’s the opposite of a wasted life.

Don’t live a wasted life – you deserve more!

No matter how old you are, where you’ve been, or what you’ve done, it’s never too late to live an authentic, fulfilling life.

Nobody should look back on their time on earth and see a wasted life. Get out there and live your life for yourself, set your goals, and create the life you want to live and that you deserve!

The post How To Avoid Living A Wasted Life: You Deserve Better! appeared first on Clever Girl Finance.

]]>
How Speaking The Truth Will Help Your Finances https://www.clevergirlfinance.com/speaking-the-truth/ Sun, 25 Apr 2021 02:17:27 +0000 https://www.clevergirlfinance.com/?p=11432 […]

The post How Speaking The Truth Will Help Your Finances appeared first on Clever Girl Finance.

]]>

Speaking the truth

I am a firm believer that you can speak good into your life and existence. I've downloaded free apps that send me affirmations every hour. I tell myself I love you more often when looking into a mirror, and I also say the same thing to my money. For the longest time, I wasn't honest with my finances or myself. I let negativity run rampant. But when I started speaking the truth, my truth, my whole being changed. And that can happen for you too.

Why speaking the truth will help you achieve financial wellness

Being honest with yourself regarding your finances is the first step you can take in achieving financial wellness. When you stop being in denial about your overall financial picture, you know what steps to take to get you where you need to be.

How to be truthful with yourself for financial wellness

  1. Sit down with yourself, a pen, and a piece of paper.
  2. Close your eyes and imagine what it would be like to be financially well.
  3. After you've meditated on that, put pen to paper and start writing.

The first step to achieving any goal in life is to set the intention to recognize opportunities as they arise.

Speaking the truth will help you get out of debt

If you're someone who hides credit card bills from yourself, you're not alone. According to CNBC, the average American is $90,460 in debt. Gen-X seems to be the most debt, making sense as many more people in their forties have a mortgage and kids versus someone just graduating college.

Debt can help you do beautiful things, like go to college or put a roof over your head. Debt can also have you feeling shame and leave you wondering how you're ever going to get out of it. It's essential, to be honest with yourself about the amount of debt you're in because it's you who will tackle it.

When you are real, shame can no longer bind you. It's okay to say no to those happy hours with friends and yes to financial progress.

How to speak the truth to become debt-free

Make a spreadsheet of all the accounts you currently have open that are debt. I'm talking about everything, including but not limited to:

  • Credit cards
  • Student loans
  • Mortgage
  • Medical debt
  • Personal loans
  • Lines of credit like furniture

Once you have all of your debt in one place, you can see what you owe, which is the most challenging part and causes the most pain. But now that you know better, you can do better. Come up with a payment plan to start making extra payments and get it knocked out.

I like the snowball method when paying down debt since I have ADHD and the quick wins keep me on track.

Speaking the truth to save more money

I am a firm believer in not being able to save what you don't earn. I also know that it's hard to save money when you have a lot going on.

As I type this, I have several savings goals written down on a chalkboard wall next to my desk. I look over and smile at the progress I've made on some, then quickly frown at the ones I haven't.

I've shared before, but when I was younger, I had a shopping addiction. I work hard to keep it at bay, but it's still hard to balance my goals with not buying excess crap or stuff.

And that's why it's about to speak your truth when it comes to saving money. When you buy crap you don't need, it limits what you can do later in life, explicitly saving.

How to speak the truth to save more

Set aside one weekend to declutter your house. Make three piles for each of the following actions: donate, throw away, or sell. You can also put items you aren't quite sure what to do with aside and then stick them in a box to look at later. Now, look at all the things in your life that used to be money in your checking account.

We keep items that no longer serve us because they had monetary value at some point, but they no longer do. By looking at what you spend your money on, you'll now be in a better place to put up boundaries when it comes to your spending.

Speaking the truth will help you invest

Raise your hand if you have no idea what you're doing when it comes to investing? Many of us, both women AND men, are unsure of what investing is outside our 401K. Some of us don't even have a retirement account!

If this is you, it's okay. Speaking the truth will help you admit that you need help accessing resources to help you get ahead financially.

How to speak your truth to invest more

Make an appointment with your company's HR department to determine what benefits are available to you for your retirement. Many employers offer either a 401K or Roth IRA as a retirement plan, but there are more out there.

Make sure you are an active participant in where your money is being invested (such as deciding between mutual funds or savings bonds) and save as much as you can.

If you aren't saving anything, start with just 1% of your income, and then in six months, up the amount by one percent to save 2%. You'll be impressed with how compound interest works and will want to keep it going.

Speaking the truth will help you curb emotional spending

I wrote earlier about being a shopaholic, but I didn't share how I ended up being one in the first place. Long story short, I experienced a lot of trauma when I was younger, and I had many emotions I didn't know how to deal with.

After working with a therapist and finding the proper medication, I realized that a lot of my shopping was emotional. Emotional spending is real, and it sucks, but speaking your truth can help you curb it.

How to speak your truth to curb emotional spending

Start journaling. Buy a notebook or use up a random one you have laying around (not that I'm talking about myself) and set aside 10 minutes a day to start journaling.

You can find a set of writing prompts online or even do it Dear Diary style. It's up to you, but this is a way to start getting your thoughts and emotions flowing onto paper and not your wallet.

Speaking the truth will help you stop competing with the Jones

How many times have you bought crap you didn't want or go on a trip just because everyone else wanted to? The same goes for eating at trendy restaurants or going on excursions.

Sure, you give and take in relationships, but a good relationship always respects your boundaries, especially financial ones. And guess what? Friends don't care what you buy OR wear.

How to stop competing with the Jones by speaking your truth

Don't be afraid to start telling people no when you don't want to do something, and give another suggestion of something else to do instead. Maybe instead of going to a club, you can suggest a movie night at your apartment.

Perhaps you do stop by that birthday party but only grab a drink and get out of there. Once you start speaking your truth and being realistic about things you want to do, keeping up with the Joneses will not be worth your financial peace.

Speaking the truth will help you keep out of financial trouble

I don't believe in speaking negatively about someone's financial situation. I also don't believe in burying your head in the sand about it. When you speak the truth about your finances, you're able to allocate for debt and savings, work on your goals and have the life you want for yourself.

I know hiding from any of those things may make you feel better about yourself in the short term, but none of that does any good in the long run.

How to speak your truth to stay out of financial trouble

Instead of telling yourself no, try to remind yourself of your why. So instead of saying "No, I can't afford it," say "I'm saving for x, so I want to focus on that instead." When you aren't focusing on the nos', you can focus on the whys, and that's way more important.

Doing this is essential to staying out of financial trouble.

Speaking the truth will help you feel empowered!

Speaking your truth in any area of your life is going to leave you feeling empowered. I feel empowered when I speak my truth. It's hard at first because being honest with yourself is more complicated than being honest with others sometimes.

But by keeping at it, you will feel so confident with yourself and your finances. You won't want to live any other way. We promise you.

The post How Speaking The Truth Will Help Your Finances appeared first on Clever Girl Finance.

]]>
How To Stop Self-Sabotaging Your Finances https://www.clevergirlfinance.com/stop-self-sabotaging-your-finances/ Tue, 23 Mar 2021 11:18:42 +0000 https://www.clevergirlfinance.com/?p=11111 […]

The post How To Stop Self-Sabotaging Your Finances appeared first on Clever Girl Finance.

]]>

Self sabotaging

Ever planned to do something but never actually got around to doing it because you got in your own way? You changed your mind, something else came up, or you just didn't feel like it? You may be self-sabotaging your plans and not even realize it. We've all been guilty of it in one way or the other—well, at least I have. Ah, the things I could tell my younger self!

Self-sabotaging behavior comes in many forms. For example, it can form in relationships, communication, and last but not least, your finances. Paying bills late, racking up debt, and avoiding budgeting your money are all examples of ways you are self-sabotaging your finances. However, you can change your money mindset with the right steps and stop setting yourself up for failure.

Self-Sabotage definition

Sometimes the hardest thing to do is admit our mistakes, but identifying problematic behaviors is the first step to fixing them. The definition of self-sabotage is when you have behavior that creates problems and prevents you from accomplishing your tasks or goals. For example, procrastination is a major form of self-sabotage.

A variety of factors can cause this behavior. Some may stem from childhood; another reason may be from a place of fear and control. For instance, some may feel that they control the situation even if it prevents them from attaining their goals.

Self-sabotage and excuses

Excuses are the fuel for self-sabotaging behavior. I used to tell myself I would work out at least 3 times a week because I wanted to get fit/healthier and because I liked how I felt afterward. Occasionally I would work out (which was every few weeks), but I somehow always found a reason not to stay consistent:

"I'm too tired."
"It's too late."
"Definitely too early."
"It's too hard."

I always had an excuse which pretty much aided my self-sabotage. It wasn't until I consciously decided to get out of my own way that I was able to become successful with working out multiple times a week.

So how did I do it? I became intentional about it. I would set my alarm on my phone and then put my phone far away from my bed so I couldn't hit snooze. Another thing I did was lay my workout clothes on the floor by the side of my bed, so I had no choice but to step on them when I got out of bed.

Also, I reminded myself of my "why" constantly. I wanted a flatter belly and stronger legs, so I kept a photo of a body I admired handy for days when I was ready to eat the entire tub of ice cream. And while looking like my dream body is still a figment of my imagination, over time, my intention worked.

The same could apply to your finances. For instance, you know you should save, but you overspent at the grocery store before setting up your budget. You know you should be paying down debt, but you put half of your extra debt payment towards an epic sale, etc. Basically, self-sabotaging at its finest.

How do you avoid self-sabotage when it comes to your finances?

You want to make it as easy as possible for you to succeed when it comes to your financial goals— that's how. It doesn't sound so hard huh? Well, it isn't! Below are 5 tips you can implement starting now to help you beat self-sabotage.

1. Automate your finances

Automating your finances is one of the simplest ways to avoid self-sabotage because your savings deposits or debt repayments can be done without any manual intervention from you once you have things set up.

If your employer offers direct deposit, you can have a percentage of your paycheck directly deposited into your savings accounts. Alternatively, you can set up automatic transfers to your savings accounts through your bank based on the days you get paid.

When it comes to paying your debt or other bills, you can schedule payments in advance with your creditors and around your pay dates. Once your automation is in place you want to make sure you check in on the transfers and payments frequently to be sure there are no glitches etc.

2. Use a financial app to check-in

There are many apps out there that can help you keep an eye on multiple accounts and the transactions and payments you have going through them. For instance, Credit Karma's money management tool is a super popular app.

These apps can be set up to send you alerts and reminders when something changes in your account. They will alert you when a bill is about to come due or just to review the automation you have set up. You can have them handy on your phone, so you can pretty much check-in anytime, which makes it super convenient.

Don't want to use an app where you have to enter your personal information for your various accounts? Your bank and your other types of accounts probably have their own individual apps. It's more work to check in to each app individually, but still very convenient regardless.

3. Set reminders on your calendar

Checking in on your finances frequently is key to staying on top of your goals and actually accomplishing them. So, in addition to automating things and using apps to check in, you want to set reminders on your calendar.

With these frequent reminders, you can do things like check in on your credit, review your accounts and investments, check in on your bill payments, see if there are better deals out there e.g. insurance, cable, phone service, etc. You can also gauge how you are doing against the money goals you have set for yourself.

4. Create a financial vision board

One of the best ways to stop self-sabotaging behavior is to create a financial vision board. A vision board is a collage of all the goals you want to accomplish.

People that create vision boards are more confident about their goals and more likely to take action. Having a daily visual reminder will motivate you to overcome your bad habits and conquer your money goals.

Things you can include on your board can be pictures of your dream home, motivational quotes, income goals, and more. Get your supplies, find your inspirational items, and make your board!

5. Improve your mindset

The biggest way to make behavior changes is to improve your mindset. The truth is it really is mind over matter. Developing a positive money mindset can help you achieve your financial goals. Like most things, it takes determination and consistency to make changes.

However, by committing to yourself with positive affirmations, creating a daily routine, and making a financial plan, you can shift from a bad mental state into a positive one.

Stop self-sabotaging your finances

It's important to your financial well-being that you identify self-sabotaging behavior and take these steps to change it! Learning how to handle negative emotions can help you combat bad habits and start you on the path to financial success.

If you feel overwhelmed and unsure where to start, get help with our completely FREE financial courses and worksheets!

The post How To Stop Self-Sabotaging Your Finances appeared first on Clever Girl Finance.

]]>
7 Steps To Create A Plan For Personal Development https://www.clevergirlfinance.com/plan-for-personal-development/ Sat, 13 Feb 2021 18:32:13 +0000 https://www.clevergirlfinance.com/?p=10739 […]

The post 7 Steps To Create A Plan For Personal Development appeared first on Clever Girl Finance.

]]>

to ask for helpPlan for personal development

While we often go about life on autopilot, sometimes it’s worth taking time to stop and evaluate. Where do you want to be in five years? Do you want to change careers or develop your small business plan? All of these questions and more are reasons why it’s important to create a plan for personal development.

Why do you need a plan for personal development?

If you’ve ever tried to write a paper in college without a plan, you might remember how hectic it was. Nothing is more chaotic than trying to explain your point without having a clear idea first. In fact, I sat down and created a plan before I wrote this article! The same goes for your life. Having a personal development plan helps you figure out what you want in life and how to get there. It gives you measured, specific steps to reach your goals.

What are the benefits of having a plan for personal development?

A personal development plan gives you a better sense of control over your own life. You essential create a plan to invest in yourself. However, don't confuse them with your professional development goals. Think of your personal development goals as a map to your life. If you ever feel lost, you can consult them to figure out where to go next. Best of all though, you can always change your map to fit your needs as your life changes. A plan for personal development lets you be in control of your life.

Steps to develop a plan for personal development

So how exactly do you create a personal development plan? Let’s dig in and look at the steps to create yours!

1. Set SMART Goals

First, you need to decide what your goals are in order to create your plan for personal development. If you imagined your life in five years, what would it look like? What’s the most important thing to you? Are you career-driven or do you want to focus on something other than your career? There’s no wrong or right answer here. Define what are the most important things to you. These are your goals, or what you want to accomplish in your life.

Then, take it a step further and set goals that are SMART, which is short for Specific, Measurable, Achievable, Relevant, and Time-bound. The more realistic your goals are, the more attainable they become.

2. Prioritize

Once you have your goals figured out, you need to prioritize. Which ones do you want to work on first? Figuring out which big goals you want to reach first will help you set smaller goals around your big goals. For example, if your goal is to go to grad school in a foreign country in the next year or two, you can break down your goals from there.

You would need to research which schools to go to, which programs you are interested in, as well as how to get a visa and how much it will cost. Or if you really want to change careers and become a teacher. You would need to take a teaching course, which would mean looking up courses in your area, applying, figuring out funding, and applying for scholarships.

3. Set deadlines

When do you want to accomplish your first goal? Having a timeline in place helps you figure out how much time you need or have to accomplish your goals. It also helps make your goals realistic and makes you more likely to work towards them. You’ll hit pitfalls along the way, so having realistic deadlines can help encourage you when things get tough or life takes a turn you weren’t expecting.

4. Identify your strengths and weaknesses

What strengths will help you reach your goal? Which weaknesses do you need to be aware of that could hold you back? Take some time to sit down and make a list. Think about what you have now that will help you reach your goal. It can be anything from your network to a skill you learned at your job.

Do the same thing with your weaknesses. What do you still need to learn to reach your goal? Is there an area you can improve in? Write down what you need to do to strengthen those weaknesses, whether it’s improving your resume or getting a certificate in the field you want to work in. Doing this is an integral part of your plan for personal development.

5. Develop the skills needed to reach your goals

Do you have the skills needed to reach your goals? This is the part of the plan where you develop yourself. Focus on what you need, whether it's finally getting out of credit card debt, curbing your overspending, or staying motivated.

Are there things that you need to stop doing? Maybe you’re holding yourself to too high of a standard. Take time to recognize how far you’ve come. It might seem like you have a long way to go, but trust me, if you reflect back on everything you’ve accomplished, you’ll be amazed!

6. Ask for support

Need some help figuring out how to apply for a test or unsure how to make a budget? Take advantage of your network. Those can include friends and family, colleagues, or even financial advisors. Basically, you don’t have to do everything on your own.

Need some time to work on your Ph.D. application? Ask your partner to watch the kids or take care of dinner. Don’t be afraid to ask for help. Chances are those around you will be more than happy to help, especially if they know your ultimate goal.

7. Measure your progress

The best way to stay motivated is to see how much you’ve accomplished with your plan for personal development. Find a way to keep track of your progress. That can mean having a checklist or a digital planner. Or reward yourself every time you accomplish one thing toward your goal.

Measuring your progress also gives you time to reevaluate your plan for personal development. Is there something you should be doing differently? Have your priorities changed? Review what needs to be done over the next quarter and keep holding yourself accountable.

A personal development plan example

Below is a personal development plan example template to help you as your craft your own plan.

Goal Action steps Resources/Supported needed Target Date
Determine what you want to accomplish specifically. Listed out in order of priority. Lay out step by step, what needs to be done to help you achieve your goal. Consider your strengths and weakness and lay out what resources and support you to help you with accomplishing your goal. Set a specific date by when you plan to accomplish your goal.

Create your plan for personal development today

Developing a plan for personal development is a sure way to stay focused on your goals and intentional with your life. Figure out what you want to accomplish, measure how manageable and realistic steps to get there and figure out what you can do to improve yourself. And don’t forget to ask those around you for help. By breaking down your goal into smaller steps, you’ll reach your goals in no time.

The post 7 Steps To Create A Plan For Personal Development appeared first on Clever Girl Finance.

]]>
How To Establish Your Personal Core Values https://www.clevergirlfinance.com/personal-core-values/ Sun, 24 Jan 2021 22:46:13 +0000 https://www.clevergirlfinance.com/?p=10530 […]

The post How To Establish Your Personal Core Values appeared first on Clever Girl Finance.

]]>

personal core values

How many of us live our lives always doing what is expected of us? We choose the typical path and do what we “should” do instead of what we truly, deep down, desire. Wouldn’t you rather live a fulfilling and rich life of your dreams on your own terms? Well, that is where knowing and living by your personal core values come in.

Here, we discuss what personal core values are and why they are so vital to your success. Then we give some examples and explain how you can uncover your own core values list and live in alignment with those values.

What are personal core values?

Personal core values are your core beliefs. They are the guiding principles that you live your life by. All of us have core values that are innate to us.

While everyone has personal core values, the thing is, we don’t always know what they are. It takes real intentionality to uncover these values as we develop and grow.

Why are personal core values so important to have?

What’s the purpose of knowing your core values? Think of them as guidelines for how you show up in the world. Whenever you are faced with a decision or a choice, your core values should help guide you to the right decision. Only by living in alignment with your personal core values can you be true to yourself.

Identifying your personal core values and living up to those values can change your life. These are just a few of the reasons why having personal core values is so important:

1. They help you set and reach meaningful goals

When you use your core values to create goals, you are much more likely to actually achieve those goals. Have you ever set a goal that failed before you even really started making progress toward it (haven’t we all)? Chances are, that goal was out of alignment with your core values.

When your goals align with what you truly value, you are more likely to work toward them and make the changes necessary to achieve them.

2. They provide you with a sense of fulfillment and contentment

If you live your life based on what other people value, it will be hard to ever be content. We all know that stressful feeling when we agree to something we don’t actually want to do, or the frustration we feel when we don’t speak up for what we believe in.

If you live according to your personal core values, you will make decisions for yourself. More often than not, you’ll avoid those stressful circumstances, leaving you fulfilled and content.

3. They give you greater confidence in your decision-making

Life can get overwhelming at times. We make what seems like a zillion decisions every day. Your core values can cut out some of the stress and indecision that often accompany decision-making.

If you know your values, it is much easier to make decisions because often only one choice is in alignment with your values. And that is the one you should choose.

4. They make you realize what is important in life

We only have so many hours in a day. Without core values, you might have trouble deciding where to spend that time. But with a personal values list, it is easier to understand what is truly important to you, and therefore, where to spend your time.

For example, if you value family relationships but not ambition, choosing to spend time with your family is always going to be more fulfilling than spending your time climbing the corporate ladder.

5. They help you realize where to spend your money

Lastly, just like we only have so much time, we only have so much money to spend. Knowing your personal core values means you know what will bring you the most fulfillment when it comes to spending money and your financial integrity.

For example, if one of your values is prestige, buying a designer handbag might be quite fulfilling. But if that is not one of your values, spending your money on something else (or saving it!) will bring you more satisfaction.

Example of a personal core values list

There is no set rule on how many personal core values you should have. Ideally, you’ll have enough to cover all the facets of your complex self, but not too many. You don’t want to feel torn in too many directions. Most people settle on about five.

Before you go ahead and work on defining your own, let’s take a look at an example of a personal core values list. Here are five common personal core values (along with a brief explanation about what each one means):

1. Balance

There are times in life when you need to go a mile a minute, and there are times that call for rest. Someone who values balance believes in maintaining a healthy balance in all aspects of their life, whether that’s work/life balance or how to balance togetherness and alone time.

2. Discipline

A value of discipline means you respect yourself and your time. You set goals and you stick to them. Ultimately, someone who values discipline also values the freedom that such discipline brings.

If you are someone who struggles with discipline, check out this article for tips on how to improve your self-discipline.

You can also check out our list of best books on self-discipline.

3. Family

Family is one of the most common core values. It is the belief that family is of utmost importance and that quality time spent together creates a meaningful life.

4. Freedom

Freedom means different things to different people. To value freedom might mean that you want to choose your daily schedule, to love who you want to love, or to live where you want to live. It also might mean you value financial freedom.

5. Wonder

Someone whose personal values list includes wonder is always dreaming about what is next, what is possible, and how they can get there. Those who value wonder are dreamers who are guided by the idea that there are endless possibilities in life.

How to create your own core values list

By now, you’re probably ready to tackle your own personal core values list. The good news is that your core values already live inside of you.

The bad news is that you need to put in some work (but the work is fun!) to discover them. Remember that you’re coming up with a core values list of what you truly value, not what you think you should value.

Here are three easy steps to take to uncover your own personal values list:

1. Brainstorm

Before you take ideas from anyone else, begin with a brainstorming session. Grab a notebook and write down the answers to the following questions:

  • What do you value most in life?
  • What is most important to you?
  • How do you make (or wish you made) what’s important to you a priority?

2. Pick out values that resonate most with you

After you’ve brainstormed, you’ll probably have uncovered some values already, or at least what looks like the beginnings of a core values list.

The next step is to put those concepts into succinct words. Scan this list of core values and write down those that resonate the most with you (for now, this can be five or it can be fifty, so don’t hold yourself back).

3. Narrow down your list

Lastly, take your list and narrow it down to about five. You’ll likely have circled some values that are similar to others, so choose which one you relate to the most and cross the other ones off the list.

Work your way through your list until you get to a number that feels right (remember, there is no right number, but don’t pick too many or you’ll get overwhelmed). This is your personal core values list.

Living in alignment with your core values

So, you’ve identified your core values and have a personal values list of your own. Now what? While knowing your core values is a great start, the real work begins when you start to change your life and live in alignment with those values.

To do this, take a step back and look at where you are already living in alignment with your core values, where you want to make a change, and how you can set some new goals for success.

For example, if you value financial security, do you have a solid financial plan in place for yourself? Do you have an emergency fund? Do you have life insurance in place in case something were to happen to you?

Once you evaluate your current situation through the lens of your personal core value (in our example, of financial security), you will be able to see where you should set some new goals.

If you don’t have a robust emergency fund, it would bring you a lot of peace if you did set a goal to get yourself there. By actively aligning your life and goals with your core values, you’ll be on your way to living a more content, stress-free, and joyous life.

Personal core values unlock a power already within you

We all have core values. Most of us just can’t name them because we haven’t deliberately spent the time to uncover them. But once you do, and align your actions and goals with those values, it’s like unlocking a secret that’s been within you all along.

If you want to fulfill your dreams and succeed in all aspects of your life, then figuring out your personal core values and living life according to those values is a guaranteed way to get there.

The post How To Establish Your Personal Core Values appeared first on Clever Girl Finance.

]]>