Jamela Adam, Author at Clever Girl Finance Empowering women to achieve financial success. Wed, 17 Apr 2024 16:22:55 +0000 en-US hourly 1 https://www.clevergirlfinance.com/wp-content/uploads/2018/09/cropped-Favicon-06-12-400x400.png Jamela Adam, Author at Clever Girl Finance 32 32 40th Birthday Party Ideas On A Budget https://www.clevergirlfinance.com/40th-birthday-party-ideas-on-a-budget/ https://www.clevergirlfinance.com/40th-birthday-party-ideas-on-a-budget/#respond Wed, 13 Dec 2023 18:30:09 +0000 https://www.clevergirlfinance.com/?p=62530 […]

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Turning 40 is a time to celebrate all that you’ve accomplished in life so far, live your best life, and look forward to all the adventures still ahead of you. And one of the best ways to celebrate a milestone birthday is to throw an amazing, unforgettable fiesta! If money is tight, don’t worry, there are plenty of 40th birthday party ideas on a budget you can use to throw a fabulous bash without spending a fortune!

40th birthday party ideas on a budget

Let’s get into these awesome ideas for a 40th birthday!

1. Picnic in your backyard

What’s one of the simplest 40th birthday ideas on a budget? Host a picnic in your backyard! You can keep costs down by providing simple food and drinks and asking guests to bring their own chairs or blankets.

And don’t forget the games! A few classic picnic games like frisbee or tag will keep you and the kids entertained.

If you’re looking for 40th birthday party ideas on a budget that don’t cost the earth, this one is a no-brainer.

2. Barbecue party to grill your favorite foods

Everyone loves food on the grill! Burgers, hot dogs, steak tips… you name it. Throwing a barbecue party is a great birthday party idea since it’s relatively easy to organize, and everyone is sure to have a good time.

All you need is some food, drinks, and 40th birthday decorations, and you’re ready to go! Plus, you can save money by making it a frugal meals potluck and asking your guests to bring some food, snacks, or dessert.

3. Movie night

If you’re thinking, “I need money desperately,” but still want to treat your guest to a personalized 40th birthday party, you can host a movie night at home and watch some of your guests’ favorite classic films.

Top Gun? Back to the Future? Dirty Dancing? You betcha!

All you need is a projector and some movie snacks! It is definitely one of the most awesome ideas for 40th birthday celebrations if you prefer more intimate and chill parties.

4. Gaming or board game night with friends and family

Monopoly, Scrabble, Settlers of Catan, Uno… the list goes on! Gather up all your gaming supplies and have a good time trying out game night ideas with the closest people in your life. These 40th birthday party ideas on a budget are easy to arrange.

If you’re looking to spice things up, make it a drinking game and take a drink every time somebody loses in cards.

5. Sip and paint night

A sip and paint night is a unique and fun birthday idea that you should definitely consider. You can invite all your friends over, have them bring their favorite bottle of wine or two with them, then give everyone a canvas and let the painting commence!

Sip and paint is not only an excellent idea for what to do for 40th birthday celebrations for yourself, but it’s also a great way for everyone at the party to have fun, too.

6. Karaoke your heart out

Hosting a karaoke night is one of the most fun 40th birthday ideas on a budget and is the perfect way to celebrate! You can invite all of your friends and family to join in on the fun. Karaoke is a great way to get everyone up and singing, and it’s sure to be a night you’ll never forget.

Put together a list of 40 of your fave karaoke songs for your 40th so you’ll love the playlist for the whole evening. Whether you love pop, rock, or alternative music, this will be a real blast.

7. Bowling night

When you’re looking for an affordable birthday party idea, consider bowling. It’s inexpensive but also a great way to get people involved in conversation while they wait their turn at the lane.

Plus, there are plenty of places that offer both discounts and group packages, which can make your life easier if you’re on a budget.

8. Escape room exploration

If you want an unforgettable experience, consider exploring an escape room. These interactive puzzles provide a unique challenge that is perfect for groups of friends or family.

You and your guests will have a blast working together to solve the clues and escape before time runs out!

9. Amusement park trip

For many people, turning 40 is a time to reflect on the past and plan for the future. It can also be a time for celebration, and what could be more fun than spending a day at an amusement park with friends and family?

Whether you’re young at heart or just young enough to enjoy the rides, an amusement park is one of the most thrilling 40th birthday ideas on a budget. Be sure to use sites such as CityPass to save on tickets!

10. Adventure day

Still looking for 40th birthday party ideas on a budget? One of our favorites is to go on an adventure day!

Visit a new city, go camping, or explore a new area of town with your family and friends! What’s better than taking off into the great unknown?

Whether you’re driving to another town or exploring a local park, the exploration of an unknown place is always exciting. Be sure to take lots of photos to reminisce on the beautiful memories for years to come. You can find all kinds of fun things to do for free in a new town by checking online!

11. Masquerade ball

Nothing says celebration like a good old-fashioned masquerade ball. Put on your best mask and enjoy a night of intrigue and mystery. You can decorate with gold balloons, candles, and table centerpieces for a festive flair.

Moreover, there are so many budget-friendly possibilities for costumes. You can go as anything from royalty to a Venetian gondolier. I’m sure your guests would have tons of fun!

12. Hollywood glamour Party

Think glamour, glitz, and old-school Hollywood. Get inspired by classic movies like “Casablanca” and “The Great Gatsby.” You can have everyone come dressed in vintage outfits from their favorite Hollywood costume or an outfit from any era.y

If you want to go all out, you can even rent some props and set the scene like a movie studio backlot. When it comes to 40th birthday party ideas on a budget, this has to be one of the most stylish. Go on — add a little pizazz. 

13. Throwback 90s hip hop party

Anyone celebrating their 40th birthday will remember the classic 90s hip-hop tunes we grew up listening to. So why not host a throwback 90s party for your birthday? It’s a great way to celebrate in style.

You can have all of your guests over and listen to music from the 90s, dance the night away, and enjoy snacks and drinks. And don’t forget to wear your best baggy jeans or tracksuit to show off how you can be fashionable on a budget.

14. The 70s disco fever

It’s time to get your groove on! A 70s disco dress-up theme party is the perfect way to celebrate everything that is funky, cool, and groovy about this decade.

From dancing in the streets to bell bottoms, polyester suits, and afros, there are so many options for this theme. You can go all out with a full costume or just rock some of your favorite ’70s attire.

Perhaps you could start upcycling fashion to make a sweet ’70s outfit. This party will be one for the books!

15. Carnival party

If you’re looking for a unique way to celebrate your birthday, why not throw a carnival-themed dress-up party?

Make it even more fun by decorating your home with circus-themed 40th birthday party decorations and serving classic carnival food like hot dogs and popcorn. You can also have fun games and activities for your guests to enjoy, such as ring toss or balloon popping.

16. Year of birth retro party

Celebrate 40 years of being alive by reminiscing about the year you were born. Granted, you won’t actually remember it! But it’s a fun theme to play around with.

Have your party guests dress in costumes from that year, get your party playlist on, and maybe even play around with a nostalgic menu. Vol au Vents and Chicken Française, anyone?

17. Concert viewing party

Do you love live music? Taking all of your friends to a concert may be out of reach.

However, that doesn’t mean you can’t have the same experience at home. Invite your besties over to enjoy a special screening of your favorite artist for your 40th birthday. 

Not sure where to start? You can purchase Beyonce’s World Tour on Amazon.

Simply search for the concert you have in mind, rent it, and host a night to remember. 

18. Create your own photo booth

When you’re coming up with new ideas for 40th birthday celebrations, don’t miss this one. You want to ensure you have loads of snaps of the big event. Why not create your own photo booth from scratch?

The good news is that you don’t need a ton of money to get this right.

Start out by getting some props online — you can buy a range of photo prop packs on Amazon. Next, get a Polaroid camera and some film.

If that is too expensive, take the pictures on your phone!

19. DIY casino night

Is luck on your side? If you can’t quite afford to take a trip to Vegas for your birthday, a better way is to bring the casinos to you instead. 

You can buy roulette games online for less than you might expect. Invite your friends around for a casino-themed party, and don’t forget your costumes.

20. Cocktail-making at home

If you’re a fan of fancy cocktails, here’s one of the best 40th birthday party ideas on a budget. Why not host a cocktail-making session at home? 

There are two main choices here… You can make one cocktail or ask your friends and family to bring their own recipes and ingredients. 

If you throw a themed party, you might even want to have themed cocktails. It’s a fun activity that your party guests will enjoy. 

Tip: Make some mocktails for anyone who is pregnant or doesn’t drink! You need to cater to everyone’s needs. 

21. 40th birthday dinner party on a budget

There’s no shame in getting to 40 and preferring more of a traditional meal than a buffet. A small dinner party is a great chance to get together with your nearest and dearest to enjoy sumptuous food and fabulous company.

It still doesn’t need to be expensive, even if it does look fancy pants! You could have each dinner party guest bring a different course or perhaps invite them all to bring a bottle while you handle the food. If you love a bit of fizz, then Prosecco is a brilliant alternative to champagne.

Expert tip: When in doubt make a list of themes and activities

With a bit of creativity, throwing a birthday party without spending a ton of cash is easy! Simply think about what type of event you want and your interests, and then get creative with the planning to save money.

One of the best ideas for 40th birthday celebrations is to make a list if you don’t know where to start. Write down themes and activities you like, and see if something stands out. Then start planning your party from there.

Ideas to make a 40th birthday more affordable

When it comes to throwing a 40th birthday party on a budget, creativity is key. We promise you’ll have a fantastic time even if you only have a few dollars to spend. Here are a few tips for how to save money fast while still having an amazing birthday experience on your big day:

Have your 40th birthday party at your home instead of renting a space

One easy way to save money is to hold your 40th birthday party at your home instead of renting a venue. That way, you can control the food and drinks that are served, and you won’t have to pay for a location.

You can also decorate your home to match the theme of your party, which can add to the festive atmosphere.

Ask guests to bring food or drink to your 40th birthday party

When you’re wondering what to do for 40th birthday celebrations, hosting a party can be expensive, but there are ways of cutting the budget. One way is to ask guests to bring food or drink to the party. It saves you from buying everything yourself and can help keep costs down.

There are many different types of food and drinks that guests can bring, so everyone is sure to find something they like. Plus, it’s a great way for guests to get together and socialize.

Serve simple snacks and drinks rather than a full meal

Instead of serving full meals that take quite a bit of time and budget to make, you can instead set up a buffet table where your guests can help themselves to simple snacks.

It will help you to save money on food costs and make it easier for your guests to find something they like to eat.

Use decorations you already have around the house

One of the other creative ways to save money for your party is by using decorations you already have around the house.

For example, you can use tablecloths and tableware, ribbons, streamers, balloons, and posters to create a festive atmosphere. And don’t forget the confetti!

You can also make your own party decorations by using materials like cardboard, construction paper, and paint.

Provide your own 40th birthday party entertainment on a budget

Another fun way to save money on your birthday bash is by providing your own entertainment rather than paying for a band or other professional service. You could get a Bluetooth speaker and create your own music playlist for the party. You can also decide what games will be played, if any.

That way, you can have more control over the type of music or games that are played and who is involved. Plus, it’s a fun way to get everyone in on the celebration!

What items are needed for your 40th birthday party ideas on a budget?

The items needed for your party could differ depending on what type of party you’re hosting.

However, to ensure that your party goes smoothly, here are the most essential items and factors to consider during your party planning process.

A venue

Almost every party needs a venue. The perfect place to celebrate this momentous milestone is somewhere with plenty of space for guests to spread out and have fun.

It should also be private enough so that the guest of honor can enjoy their special day without interruption.

However, you can keep it budget-friendly by having your party at your home, a friend’s house, or a park if possible.

Food

A big part of planning what to do for 40th birthday celebrations is the food. For food, it’s customary to serve a mix of savory and sweet dishes. Finger foods are perfect for parties, as they can be eaten without utensils and don’t take up too much time or space on the table.

Last but not least, don’t forget your 40th birthday cake! Whether it’s shaped like the number 40, has 40 candles on top, or you serve 40 individual cupcakes instead of a multi-tiered centerpiece, it’s your call!

Drinks

Guests will also need drinks, so make sure there’s a variety of alcoholic and non-alcoholic options available. Also, don’t forget to prepare plenty of cups and wine glasses so you won’t have to worry about buying them last minute.

Music

Music is also important for a birthday party, as it sets the mood and helps guests get into the celebratory spirit.

The best way to make sure that you’re prepared is to make a Spotify playlist beforehand and also take into consideration the music taste of your guests or the theme of your party.

Decorations

Last but not least, decorations. To keep things cohesive, make sure that your party decor matches the theme of your party and makes the guests feel welcome and excited for a whole day of fun!

You can even search for decor inspirations on Pinterest to help you create amazing decoration ideas for your birthday. Remember to check places like the Dollar Store or Goodwill to save cash on decor!

How to save up money for a 40th birthday?

If you want to have a fun 40th birthday party but need to save up money, there are lots of ways to prepare, like a spending freeze. You can also try out a savings club or find other ways to save money on a tight budget. Even a side hustle or a couple of extra hours a week at work can help you throw the birthday party of your dreams!

What is a good menu for a 40th birthday party? 

A good menu for your 40th birthday party depends on your taste and the type of event you’re hosting.

For example, if you are going for a formal dinner, you might want to choose a classic, such as French or Italian food. Should you host a larger event, you may want to go for sharing dishes, such as charcuterie boards. 

Alternatively, you could make your event a potluck and have your friends and family each come with a special meal!

How do you throw a big birthday party on a small budget? 

To throw a big birthday party on a small budget, consider what you spend on. A large guest list can still be inexpensive when you’re mindful of the venue and food, which are two big costs.

Pick a free or inexpensive (but large) venue like a park or community center. Then, save by planning an inexpensive meal or asking guests to bring sides and desserts.

What makes a good 40th birthday party?

So long as you’re celebrating with the people who matter to you, you should have an amazing birthday bash. Remember, this is your event, so you make the rules.

You don’t have to go overboard if your budget is slim. There are plenty of ways to have fun, relax, and share in this milestone with your loved ones.

If you enjoyed reading about 40th birthday ideas on a budget, you’ll love these articles:

Try these 40th birthday party ideas on a budget and have a blast!

Hopefully, these 40th birthday party ideas on a budget have provided you with some inspiration for your upcoming birthday bash! Your birthday is a time to celebrate all that you have accomplished in life so far.

It’s also a time for looking ahead to the future, finding out how to plan for the year, and setting new yearly goals to have. And, of course, it’s a time for having fun with friends and family.

So make sure to have fun and enjoy this special day while also avoiding money leaks and overspending!

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How To Create A Mindset Of Financial Abundance https://www.clevergirlfinance.com/financial-abundance/ https://www.clevergirlfinance.com/financial-abundance/#respond Thu, 12 Oct 2023 15:59:18 +0000 https://www.clevergirlfinance.com/?p=59711 […]

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Many of us are guilty of having a scarcity mindset when it comes to money, which holds us back from achieving financial abundance. You might believe that there isn’t enough money to go around or that you have to work extra hard for every penny you earn. But changing your mindset about money can improve your life in huge ways.

Financial Abundance

You might be constantly stressed out and worried about your finances. But what if you could change your money mindset? What if you could adopt a financial abundance mindset instead?

In this article, we will discuss why developing a mindset of financial abundance is important, the true meaning of financial abundance, and tips for how to achieve it!

Financial abundance meaning

For some people, the word “abundance” might bring to mind images of money overflowing from safes or lavish shopping sprees on luxury items. But true abundance is so much more than that.

It’s about having everything you need and then some. It’s about making life easier and living with plenty, without concern about money or where your next meal is coming from.

When you have more abundance, you’re able to pursue authentic living and be true to yourself. You can afford to do what you love, and you have the resources to help others in need as well.

You’re also able to enjoy life’s simple pleasures and not be burdened by financial stress or worry. Money is attracted to you as a result!

In addition, financial abundance is a state of mind characterized by thinking positively about money and believing that there is enough money for you as well as everyone else.

Now that we’ve covered the financial abundance meaning let’s dive into why developing this mindset is so important!

Why is adopting a financial abundance mindset so important?

If you realize that you currently have a negative mindset and it’s limiting your financial success and money goals, then it might be time to learn how to change your life.

Of course, changing your mindset isn’t something that could be done in a matter of seconds. But with a little bit of work, you’ll be surprised at the benefits it could bring into your life.

Here are some of the things that can happen when you begin to think in a more positive way:

Leads to less financial stress

It’s probably not too surprising to learn that money is a huge cause of stress for the majority of Americans.

Not having enough money is definitely stressful, but what if you could change the way you think about the situation? When you adopt a financial abundance mindset, you start to see money in a different light and begin changing your perception of finance.

You stop worrying about having “enough” and instead focus on creating wealth and abundance for yourself. Which can lead to less financial stress and more peace of mind overall.

Improves your morale and confidence level

Financial abundance isn’t just about having lots of money. It’s also about feeling confident and capable when making decisions around money matters, both big and small.

When you adopt an abundance mindset, you’re more likely to make decisions that could lead to increased earnings potential and high-income skills because you know that even if things don’t go as planned, you’ll be able to weather the storm.

Also, having a positive relationship with money can improve your morale and overall outlook on your financial life.

Allows you to dream big and trust the process

When you have a positive mindset around your finances, you’ll begin to believe that achieving money abundance in your life is 100% possible. Having this kind of confidence and belief in yourself will allow you to dream big, set goals, and work hard to achieve them.

Also, when you know that achieving financial success in life is inevitable for you, you won’t worry during the process. Instead, you trust that everything will unfold perfectly in the end.

Scarcity mindset vs. abundance mindset

So do you have a scarcity mindset or an abundance mindset? These two mindsets could not be more different.

With a scarcity mindset, you see the world as a place where there isn’t enough for everyone.

On the other hand, with an abundance mindset, you see the world as a place of unlimited resources, and you can start planning to succeed along with everyone else. To achieve financial abundance, it’s so important to shift from a scarcity mindset to an abundant one.

Here’s how you can recognize a scarcity vs abundant mindset:

Won’t share knowledge vs. shares knowledge freely

People with a scarcity mindset are often afraid that others will take what they have. And because of this fear, they tend to hoard information and knowledge to themselves to feel like they’re in control.

But people with an abundance mindset know that there is enough for everyone! So instead of hoarding knowledge, they share it freely without hesitation or concern.

Fears change vs. embraces change

In a scarcity mindset, someone might fear change because it means that something is going to be taken away from them.

On the other hand, in an abundance mindset, people embrace change because it means there will be more opportunities and financial success for everyone.

Thinks small vs. thinks big

In a scarcity mindset, people tend to think small. They focus on the problems they face and see little opportunity to overcome them.

And if you don’t believe in your own ability to create the life you want, you can limit your own potential by choosing not to follow your dreams.

In an abundance mindset, you look for solutions that are out of the box. You take risks and think big because you believe that anything is possible!

Focuses on costs vs. focuses on results

The scarcity mindset is all about focusing on costs and results in a zero-sum game where there are only so many resources and only so much can be accomplished.

The abundance mindset, on the other hand, is all about seeing the world as full of possibilities with no limits on what amazing outcomes and results can be achieved. The power of mindset can change so much!

8 Key tips to help you create a mindset of finance abundance

Many of us think that we’ll never have enough money, and so we live our whole lives in fear of the future. And because we don’t believe it’s possible to succeed financially, we never even dare to try.

But if you begin to develop a financial abundance mindset and start to understand the financial abundance meaning, you’ll start to see that there is actually enough money in the world for everyone.

You’ll also realize that not only can you avoid living a wasted life, but you are worthy of living an abundant life just as much as anyone else. Essentially, it’s a mindset of possibility and opportunity! (Be sure to check out our list of best books about money mindset!).

Here are 8 ideas to help you change your mindset about finances:

1. Eliminate your negative beliefs about money

If you want to achieve success in your finances, you need to eliminate your money blocks and negative beliefs about money. Start viewing money as a tool and something that can help you create the life you want.

When you change your mindset about money, you open yourself up to new possibilities and allow yourself to see all the wonderful things that money can do for you.

So, how do you go about changing your mindset? Start by recognizing your limiting beliefs about money.

Then challenge your negative beliefs. For example, ask yourself why you believe that money is the root of all evil or that money is only for greedy people.

What evidence do you have to support this belief? Is there another way of looking at it? Once you have challenged your negative beliefs, focus on the positive aspects of money.

For instance, what can money do for you? And how can it help you achieve your goals?

Here are some common negative beliefs about money that could be stopping you from achieving financial abundance:

  • Rich people are greedy and corrupt.
  • I’ll never be rich enough.
  • It’s impossible to make money in today’s economy.
  • You have to be born into wealth to succeed financially.
  • Money can’t buy happiness.
  • You need a lot of money to start investing.
  • You can only make money through risky investments.
  • It’s impossible to get ahead without working hard.
  • Financial security is a myth.

Once you know what your negative money beliefs are, start to remove them from your mindset.

2. Stop comparing yourself to others

Comparing yourself to others can be mentally exhausting and often makes you feel miserable about yourself. And yet we do it all the time without even realizing that this bad habit is robbing us of our peace of mind.

Comparison can make us feel negative emotions such as envy, isolation, or a lack of confidence, which can force us into a mindset where only lack exists. The more we compare ourselves to others, the less room we have for original thought.

And without original thought, we can’t create freely. Financial abundance requires creativity, and so does anything else worth achieving in life. So never compare yourself to others and start taking inspired action instead.

3. Develop a growth mindset

Having a growth mindset means that you believe intelligence and abilities can be developed through dedication and hard work.

When you have this type of mindset, you will always be learning and expanding your horizons to search for opportunities to increase your wealth.

Also, a self growth plan and growth mindset are important to keep you motivated even in tough situations. Since you believe that you’re capable of achieving anything you set your mind to, you won’t give up as easily as those with a fixed mindset.

4. Recognize the power of your thoughts

The thoughts you entertain on a regular basis play a significant role in how successful you are financially. If you want to achieve abundance, you need to recognize the power of your thoughts and take steps to align them with your financial goals.

Your thoughts create your reality! Think about this.

If you tell yourself that you’re a failure every single day, would you be motivated or inspired to take action and change your life? Probably not. What you think influences the way you feel and the way you act.

So if you think about money problems all the time, that’s what you’ll experience. But if you focus on the positive aspects of wealth and abundance, you’ll find it easier to manifest those things in your life, especially if you use the best manifestation methods.

5. Use financial abundance affirmations

Financial abundance affirmations can help you achieve your financial goals by changing and eliminating your negative mindset about money. When you start to think positively about money and wealth, you will be more likely to take actions that lead to financial success.

So if you are having trouble maintaining a positive attitude about money, try repeating financial abundance affirmations every day.

For instance, instead of saying, “I am broke,” you would say, “I have an abundance of money!”

You might be surprised how your whole financial situation could transform just by shifting your mindset! Check out our post on 55 Financial Affirmations to get you started!

Here are some positive affirmations about money that you can use every day:

  • I have all the money I need, and I will continue to increase my income.
  • I’m great at managing money.
  • I will be a millionaire one day.

6. Express gratitude

Gratitude is one of the keys to unlocking your full potential for wealth and happiness. When you’re grateful, it’s easier to stay positive and enjoy what you have now as opposed to focusing on what you don’t have.

When you wake up in the morning, take a few minutes to think about all of the abundance in your life and be thankful for it. Or try out the 30 days of gratitude challenge.

You can even write down a list of things you’re grateful for in the notes section of your phone or in your diary. Here’s what it could look like:

I’m thankful for:

  • The fact that I have a roof over my head.
  • All of my family and friends continue to love and support me each day.
  • The money in my bank account that’ll help me buy groceries this month.
  • My healthy body.
  • The beautiful view from my balcony.
  • The clothes on my body keep me warm each day.
  • My comfortable bed.
  • The fact that I’m still alive and breathing!

7. Realize your current financial situation is temporary

If you try to think about your current financial situation as temporary, you may be able to stay motivated and achieve financial abundance in the future. Why? Because once you see your present difficulties as transient instead of permanent, they won’t seem so daunting.

Then, maybe change isn’t so difficult or impossible after all. A shift in perspective could also help you find some peace with your current circumstances by reminding yourself that there is a light at the end of the tunnel and that you will get through this.

8. Give back to the community

When it comes to developing a financial abundance mindset, one of the most important things you can do is give back and find nice things to do for people. Giving back doesn’t just help others, it also helps you to develop a more positive attitude towards money and wealth.

It teaches you to be grateful for what you have and to think beyond yourself. When you’re focused on what’s important, it becomes easier to let go of negative thoughts and emotions that can block your ability to achieve financial or money abundance.

Expert tip: Surround yourself with people who think positively

If you really want to change your financial mindset for the better, then make it a point to spend time with people who will encourage you with your goals. Positive thinkers and people who are financially successful themselves can help you a lot!

Learn from them, ask questions, and talk about your ideas. You’ll feel more connected and it helps when others are cheering you on.

How do you get financial abundance?

In order to get financial abundance, it’s important to start with your mindset. You must believe that you will succeed and that you can become wealthy and achieve your goals.

But beyond mindset, it’s important to also make a plan and get to work. Whether that means working extra hours, looking for a new job, or learning about investing, making these changes and starting your financial planning process will help shift your perspective.

What does financial abundance feel like?

Financial abundance feels like having all you need and knowing that you’ll have the money and resources you need in the future. You also feel thankful for the many blessings you have. This drives contentment. (A daily gratitude list can help with this!)

It means that you feel a sense of peace about your finances, and you know that your goals are not only possible but will become your reality.

Is abundance the same as wealth?

No, abundance is not the same as wealth. Wealth means having a lot of resources and money. Abundance means you have what is needed and more, but it is more of a mental state that goes beyond just money.

While wealth can refer specifically to money, abundance is more focused on gratitude and understanding that whatever you need financially and in your life will be made available to you.

What is the mantra for financial abundance?

There isn’t only one mantra for financial abundance. Rather, there are many, and you can choose whichever ones resonate the most with you.

You might start off using some of our mentioned affirmations to help you get to the right money mindset. But you can also come up with your own that are specific to your goals.

For example, “I will make a six-figure salary in the next year” or “I have plenty of money for all of my financial needs.”

If you enjoyed reading about how to embrace abundance in your life, then you’re going to love these posts!

Create a mindset of financial abundance!

Mindset is everything, especially when it comes to financial abundance. If you want to achieve success in any aspect of your life, you have to start off by believing that you can!

Once you see that it’s possible for you to have what you want in life, you’ll become motivated to bring that vision into your reality. This is why knowing how to make a vision board and saying financial abundance affirmations work so well for many of us.

So if you’re not currently seeing success in your financial life, it might be helpful to work on the way you think about money. By developing a financial abundance mindset, you can open up your heart and mind to new possibilities that’ll allow you to finally achieve your financial goals.

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7 Practical Steps On How To Be Less Materialistic https://www.clevergirlfinance.com/how-to-be-less-materialistic/ Tue, 28 Mar 2023 15:00:00 +0000 https://www.clevergirlfinance.com/?p=17684 […]

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Is it possible to learn how to be less materialistic? It's no secret that our society is placing an increasingly heavy focus on material possessions. The constant pursuit of more and more stuff has become so ingrained in our culture that it's often hard to even imagine what life would be like without it.

But what if we all took a step back and reconsidered our priorities? What if we focused less on buying things we don't need and more on developing meaningful relationships and enjoying the simple pleasures in life?

How to be less materialistic

Here are some tips on how to stop being materialistic to help you discover the joy in simplicity.

Am I materialistic? What does being materialistic mean?

Many people equate being materialistic with having a lot of money, gadgets, new toys, and possessions.

While it is true that some people who live this way may have more than others, the definition of materialism can be much broader than that.

It can also mean focusing on the physical world and what it can offer rather than looking to the spiritual or intellectual side. It means valuing things like wealth, status, and appearances over qualities like kindness, compassion, and intelligence.

Do you think you might be materialistic? Check out the characteristics below and see if you identify with any of them.

Characteristics of a materialistic person

In today’s culture, it is easy to become materialistic. Especially since we're constantly bombarded with advertisements that promote the latest trends in fashion, electronics, and jewelry.

It may even seem that successful people own a lot of material items. So what are the characteristics of a materialistic person? Here are some of them.

They value possessions more than relationships

People who crave materialistic wealth can often become more interested in the things they own than in the people around them.

Some may even have a difficult time building and maintaining relationships because they're so focused on acquiring material possessions that they end up neglecting their family and friends.

They care about others’ opinions

Materialistic people often base their self-image on their possessions and the image they project to others. And they tend to care about what others think of them.

That is why they might resort to acquiring flashy possessions to show off to others. For example, flashy cars, diamond rings, designer bags, etc.

They often brag about what they have

Most people like to show off what they have. It could be a new car, a new phone, or just the fact that they were able to get something that others wanted. But this behavior especially rings true for materialistic people.

They tend to brag quite a bit about their possessions and show them off to anyone who will listen. And while there’s nothing wrong with having nice things, it can become a problem when it becomes more important than anything else in your life.

Their home is cluttered with stuff they don’t need

One of the characteristics of a materialistic person is they often find themselves making impulse purchases because of their insatiable thirst for more.

It is quite common because in our society today, we're encouraged to buy new things. This is how materialistic people often find themselves in cluttered homes with stuff they don't need.

7 Actionable tips on how to be less materialistic

Materialistic desires don't just come from within. They also stem from social pressures that tell us we need certain things to live happy lives. Here are some actionable tips on how to stop being materialistic and start valuing other things in life.

1. Limit your social media consumption

When we constantly see images of people's luxurious lives on social media, it can make us feel like we're not living up to our full potential.

We may start to feel the need to shop even more in order to keep up with everyone else or fit in. It can lead to rampant consumerism and a cycle of always wanting more.

But if we limit our social media consumption, we'll be less likely to be influenced by others' material possessions. We'll be more content with what we have and not feel the need to keep up with the Joneses.

2. Value experiences over material things

One way to become the opposite of materialistic is to start valuing experiences more than materials. When we focus on experiences, we tend to be less concerned with acquiring more and more stuff.

And when we do acquire something new, it doesn’t have as much of an impact on our happiness levels. Mainly because the excitement of buying new material things is fleeting, while the memories of our experiences can stay with us for a long time.

3. Practice gratitude

Another powerful tip on how to stop being materialistic is to practice gratitude. Gratitude is a powerful tool that can help you break free from the chains of materialism and live a more content life.

When you take the time to be thankful for what you have instead of always wanting more, you'll find that your focus shifts. You'll start appreciating the things you own more. And eventually, stop feeling the need to constantly buy new things.

You might try the practice of gratitude journaling in order to remind yourself of all the great things you already have. And you can be grateful beyond just things, also for family, friends, your home, etc.

How to be less materialistic

4. Declutter your living space

Decluttering your life can help you learn how to stop being materialistic! A decluttered space allows you to relax and focus on what's important. On the other hand, having too much clutter can create a negative impact.

If you choose to declutter, you're not constantly being pulled in different directions by the things around you. With an organized area, you can now calmly assess each item and decide whether it deserves a place in your life.

This process of reflection leads to a more mindful approach to living, which in turn can help reduce materialism.

5. Indulge in healthy hobbies

If you're wondering how to be less materialistic, consider learning healthy hobbies. They can help us connect with our inner selves and find meaning in life outside of possessions.

Gardening, for example, can help us appreciate the beauty of nature and understand our place in the world.

Crafting can allow us to express ourselves creatively and connect with other people. While sketching and drawing can help us to see the world from a new perspective.

6. Shift your focus onto the needs of others

When our focus is on helping other people, it becomes much easier to stop worrying about what kind of car we drive or what brand of clothes we wear.

Start small if you have to. Then begin shifting your focus from yourself to others, and having a lot of things will become less important over time.

When you start being concerned for other people's needs instead of just your own, materialism starts to lose its appeal. You will notice yourself becoming the opposite of materialistic!

7. Realize that you can’t take it with you

When we come to terms with the fact that everything we have in this life is temporary, it can help us become less attached to material things.

In other words, when we realize we can't take any of our possessions with us, it makes us less interested in accumulating things. It isn't easy for most people to do, but it's a valuable perspective to have.

Why we should be less materialistic

It can be hard to be the opposite of materialistic because we live in a society where materialism is rampant. We are bombarded with ads that tell us we need to buy things and have more stuff. But there are many benefits to being less materialistic and not having an addiction to material things.

More time for other pursuits

One of these benefits is the increased time you spend on other pursuits. For example, having quality experiences with loved ones instead of spending all your money on possessions.

Not always buying reduces waste and anxiety

Not buying every new material item that comes out helps reduce waste and save our planet.

Another benefit is reduced anxiety levels when you don't base your self-worth on the things you have.

You can save more money

Since you won't be inclined to buy up a bunch of stuff, you can save more money for things like vacations or perhaps doing something nice for someone else.

So, there are many benefits you will reap by living a simpler life with fewer things.

Am I materialistic? quiz

So, are you still not sure if you are a materialistic person? Well, we've come up with a fun quiz to help you figure out how materialistic you might be!

Q1: How attached are you to material possessions?

  1. I’d fall into a deep depression if I lost all of my possessions.
  2. I’d be quite upset if I lost my possessions, but I’ll probably recover within a few days.
  3. I don’t care too much about losing my possessions. I’m alive, and that’s all that matters.

Q2: When you go on a date with someone, what interests you the most about them?

  1. The amount of money they have.
  2. The way they dress and present themselves.
  3. Their personality.

Q3: How do you feel when you see someone driving a fancy car?

  1. I feel jealous and envious since I deeply crave having the same lifestyle and social status.
  2. Seeing their success makes me happy.
  3. I don’t feel much since I don’t desire to own fancy cars.

Q4: How often do you daydream about owning designer clothes?

  1. Every single day.
  2. Once or twice a week.
  3. Rarely.

Q5: You just received your monthly paycheck. What do you do with the money?

  1. Spend every single penny of it on material possessions and luxury goods.
  2. Spend half of it on material possessions and save the other half.
  3. Save and invest the majority of it.

How materialistic you are based on your quiz results

Here are the results from our "Am I Materialistic?" quiz!

1. You’re quite materialistic

If you found yourself answering mostly 1's, then you might be quite materialistic! You might love to shop and often daydream about owning expensive designer items such as Birkin handbags or Balenciaga shoes.

2. You like the idea of “frugal materialism”

Did you answer mostly 2's? Then you might be a frugal materialist! Though you enjoy owning nice material goods, you also try to shop intentionally rather than constantly.

Sure, you might splurge once in a while. But at least your savings account balance looks nice and healthy.

3. You don’t care much about material possessions

If you answered mostly 3's, then you're the opposite of materialistic. You're quite content with what you already have and genuinely don't feel the need or desire to purchase more. For you, living a life of simplicity matters more than a life of luxury!

No matter what your results were from our "Am I materialistic?" quiz, remember you can use our tips to learn how to be less materialistic! You can always aspire to be better and make positive changes.

Learn how to be less materialistic and value experiences more than material things!

While caring less about materialistic things may seem daunting, there are ways to make this transition easier.

And remember that wanting material things isn't always bad. You can own luxury items without being greedy or envious. It's more about your attitude.

By evaluating our motivations for buying things and being more thoughtful about the purchases we make, we can gradually become less reliant on material possessions for happiness and fulfillment. You may be surprised that living on less can lead to a much more meaningful life!

The post 7 Practical Steps On How To Be Less Materialistic appeared first on Clever Girl Finance.

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7 Intentional Actions For Making Everyday Count https://www.clevergirlfinance.com/making-everyday-count/ Fri, 29 Apr 2022 09:50:10 +0000 https://www.clevergirlfinance.com/?p=22116 […]

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Making everyday count

Feeling like there's something missing in your life? You're not alone. We all go through phases where it feels like we're just trudging through the days without really living. But what if I told you that there are ways to snap yourself out of it and start making everyday count?

It doesn't require major life changes or a huge effort – all it takes is some intentional actions that'll get you moving in the right direction. Read on for inspiration on how to jumpstart your way to a more fulfilling life!

Why is it important to focus on making everyday count?

You only live once, right? So you might as well make every day count! If you haven't been living every day fully, here are some reasons why you might want to start making everyday count:

Life is unpredictable

Life is unpredictable. Just when you think you have everything all figured out, something can come along to knock you off balance. This can be a good thing or a bad thing, depending on your perspective.

But the fact remains that life is full of surprises. You never know what’s going to happen next. So instead of worrying about the future or ruminating on the past, it's important to savor the present moment.

Time is your most scarce resource

One of the biggest reasons you should start making everyday count is because time is scarce. You can always make more money, but you can never make more time.

And if you truly take a minute to think about the scarcity of time, you'll understand how precious and invaluable it is.

I know this might sound quite depressing, but every second you're alive, you're literally a second closer to death. So make the most out of your time instead of letting it slip away!

So you won’t have regrets

According to the book, The Top Five Regrets of The Dying by Bonnie Ware, there are five main things that people regret near the end of their lives.

These include not living a life true to themselves, not spending enough time with loved ones, working too hard, not having the courage to express their feelings, and not letting themselves be truly happy.

Ultimately, making everyday count doesn't mean you have to do something extraordinary. It can be as simple as spending time with loved ones or doing things that bring you joy. This way, you can look back on your life without regrets.

7 Simple actions to take to start making everyday count

Ready to start making each day count and be more intentional with your time? Here are some simple actions to help you achieve a life you're proud of.

1. Live every day like it’s your last

When you realize that we're all essentially floating on a rock through space not knowing when we'll cease to exist. You'll find that there isn't really much to worry about except for the present moment.

Too often, we take life for granted. We wake up each morning and go through the same motions day after day. Without ever stopping to appreciate the fact that we're alive!

What's even crazier is that most of us live each day as if there's a 100% chance that we'll still be here the next morning.

So ask yourself these questions when you wake up each morning. If this were your last day, how would you like to spend your day? How would you like to feel? What message would you want to send out to the world?

Asking yourself these questions will motivate you to start making everyday count!

2. Do things that make you happy

To make everyday count, make sure to take some time for yourself every day. This can be anything from reading your favorite book, watching a comedy show, to taking a relaxing bath. Whatever it is that makes you feel happy and relaxed, schedule time to do it!

When we're feeling down about life, it's often because we're not allocating enough time to do things that bring us joy.

So if you're going through an emotional funk and letting your days slip away, give yourself the permission to have fun and do things you love — even if it's just for five minutes.

3. Challenge yourself to be better than yesterday

Another way to live life fully is by challenging yourself to be better than yesterday. Whether that means trying something new or improving a certain aspect of your life.

For example, if you want to focus on cutting down your spending, start by taking a look at your budget and see where you can save more money.

Maybe that means packing your own lunch instead of buying it or doing the 30-day track-your-spending challenge. By taking small steps to improve yourself each day, you can make big progress over time.

Before you know it, you’ll find yourself becoming the best version of yourself. And that’s a pretty great way to live! So start making everyday count by getting 1% better every single day!

4. Spend time with loved ones

Start making each day count by spending time with the ones you love. Relationships, memories, and experiences are what truly matter in life. No amount of money can replace or buy you the beautiful memories your share with your loved ones.

When we're caught up in the hustle and bustle of life, it's easy to neglect the relationship we have with those we love the most.

So if it's been a while since you met up with your best friend or called your mom, today's the day to reach out and spend some quality time with them!

5. Set your intentions each morning

Setting your intention each morning is a powerful way to start your day on the right foot and make each moment count. For example, if one of your goals this year is to achieve financial success, take some time each morning to think about what your ideal life looks like financially.

What would you like to have, do, or achieve? Write it down and read it out loud every day. Doing this will help keep your financial goals top of mind, so you can make decisions throughout the day that will get you closer to them.

It’s also important to be specific when setting your intentions. Vague goals like 'saving money' or 'achieving financial freedom' are difficult to measure and hold accountable.

But if you set a specific goal, such as "saving $10,000 in the next year" or "building an e-commerce business that makes $15,000 profit each month" you can create a plan to achieve it. It's much easier to start making each day count when you set intentions for your finances and life!

6. Find joy in little things

The simplest way to start making everyday count is to find joy in the little things. So if you’re bogged down by stress and anxiety, try to take a step back and look for the joy in the little things around you. You may be surprised at how much happiness you can find.

It could be something as simple as a sunny day after days of rain, a good laugh with friends, seeing a butterfly on your way to work, or finding a four-leaf clover in your backyard.

Taking the time to appreciate the good moments – no matter how small they may be – can help you get through the tough times and make every day count.

7. Work towards your goals

One of the best ways for making each day count is to set a goal and take small steps each day to achieve it. For example, if your goal is to save $10,000 over the course of a year, you can challenge yourself to save around $27 each day.

Or if you want to pay off your $6,000 credit card debt within two years, commit to paying $250 extra per month. By taking consistent small steps, you'll be surprised at how quickly you can reach your goals.

Start making everyday count!

It’s easy to get bogged down in the mundane details of life and forget what truly matters. But if you can remember that you only have one chance at this thing called life, it might change how you spend your days.

Time waits for no one, so start living life intentionally today and strive to make every day count. What do you truly want in life? How do you want to be remembered?

Let these questions guide you as you move forward in life. And don’t forget to enjoy the journey – after all, that’s what it’s all about!

The post 7 Intentional Actions For Making Everyday Count appeared first on Clever Girl Finance.

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How To Create An Easy Wardrobe That Suits Your Lifestyle https://www.clevergirlfinance.com/easy-wardrobe/ Wed, 20 Apr 2022 00:27:50 +0000 https://www.clevergirlfinance.com/?p=21319 […]

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Easy wardrobe

Do you feel like you're stuck in a style rut? Is your closet overflowing with clothes that you haven't worn in years? And do you have a hard time putting together outfits that represent your personal style? If so, you're not alone. A lot of people find it difficult to create an easy wardrobe that suits their lifestyle.

But don't worry, we're here to help! In this post, we'll outline some tips and tricks for transforming your closet and creating a wardrobe that works for you.

Why an easy wardrobe can transform the way you live

I know you're probably wondering, why would I want a simple and easy wardrobe when I can have a closet full of clothes like Paris Hilton? Sure, having hundreds and thousands of beautiful clothing items in your wardrobe can sound quite fabulous.

But it can also be a nightmare when it comes time to find an outfit or move homes. If you've never considered owning an easy wardrobe before, read on to learn about the many benefits that come with it.

An easy wardrobe helps remove the stress from your life

Having a disorganized wardrobe full of clothes you don't wear or need can often affect our mental health. Just imagine the amount of time you need to spend folding and washing clothes.

As well as the amount of mental energy it takes to decide between hundreds of possible outfit combinations each day. When you're already stressed out from school or work, the last thing you want is more anxiety caused by your wardrobe.

So if you want to create a zen lifestyle free from unnecessary stress, thinning out your closet might be the solution.

Saves you time deciding what to wear

Running late because you don't know what to wear is probably a universal experience that every one of us has gone through. It's so frustrating! But what if I told you this problem could be solved by having an easy wardrobe with pieces you love and can wear every day?

Instead of spending 30 minutes trying to find outfits each morning, you can now cut that time down to 5 minutes or even less. Time is money, and just this little change to your wardrobe can help you save a ton of it. So what's not to love?

You’ll need less space for clothing storage

Another major benefit of having an easy wardrobe is that you’ll need less space for clothing storage. If you have a small closet or limited storage space, having a lot of unnecessary clutter in your closet can make your home seem even smaller.

Instead, by just keeping a few essential pieces, you can free up a lot of space in your closet. Plus, when it's time to move, you won't have to carry a bunch of heavy boxes and worry about your clothes not fitting into the U-Haul.

Saves you money

This sounds like a no-brainer, but having a simple wardrobe really does save you money. Did you know that the average American spends $161 on clothing each month? (almost $2000 each year).

Instead of splurging hundreds of dollars on fast-fashion clothing items each month, investing in just a few high-quality pieces can save you lots of money in the long run.

So if you've been trying to build up a comfortable cushion in your bank account but to no avail, maybe it's time to give up your frequent shopping sprees and try creating an easy wardrobe instead.

Increases the feeling of contentment and gratitude

When you have fewer pieces in your closet, it's much easier to appreciate every one of them and express gratitude for the value they provide in your life. And when you truly love the clothes you own, you'll also treat them with care.

Also, by having less stuff in general, you can have more mental energy to spend on things that truly matter. For example, creating memories with your family and friends.

6 Simples steps to create an easy wardrobe

If you currently have an overwhelming amount of clothes in your closet, cutting them down can seem almost impossible. But don't worry, here are some actionable steps you can take to create an easy wardrobe you love.

1. Do routine wardrobe audits

To do a wardrobe audit, start by gathering all of the clothing you own in one place. Once you have everything laid out, go through each item one by one. For each piece of clothing, ask yourself the following four questions:

  • Do I wear this?
  • Do I need this?
  • Is this my style?
  • Do I want this?

If the answer to any of these questions is “no,” then it’s probably time to get rid of the item.

You could also add an additional question: Does it spark joy? — which was made famous by a Japanese organizing consultant called Marie Kondo.

If you haven't heard of her, you should definitely check out her KonMari method. It promotes only keeping clothing items that speak to your heart, and ditching those that no longer spark joy.

2. Borrow instead of purchasing

I'm sure we all have bought an expensive clothing item for a special occasion such as a wedding or baby shower, just to end up never wearing that piece ever again.

Sure, you can still sell it if it's in good condition. But you'll have to go through the extra hassle of listing it online or finding a buyer who's interested.

So instead of accumulating a bunch of clothes in your closet that you're only going to wear once, borrow these pieces from your family and friends instead.

Renting from clothing rental services can also be a potential route to take. Though it can be more expensive than borrowing from people you know.

3. Understand that quality is more important than quantity

The key to a simple wardrobe is not quantity, but quality. By investing in a few key pieces that are well-made and high-quality, you can create a wardrobe that will last for years to come. Here are a few tips to help you get started:

Choose natural fibers whenever possible

Natural fibers like cotton, linen, and wool are not only more durable than synthetic fibers, but they also breathe better, making them more comfortable to wear.

Look for timeless pieces

When creating an easy wardrobe it's essential to invest in timeless pieces. These are pieces that never go out of style. For example, a well-fitting pair of jeans will always be in style, no matter what the current trends are.

Pay attention to the details

Look for clothes that are well-constructed with neat seams and finishes. Avoid anything that looks like it might fall apart after a few wears. Shop sustainable brands to get better quality clothing.

Don’t be afraid to spend a little extra on quality items

Remember, you’ll get what you pay for when it comes to clothes. It’s better to have a few well-made pieces that will last for years than a closet full of poorly made items. This gives you more cost per wear.

So although you may pay more for a quality item you get many more uses out of it.

4. Choose versatile items

Versatile wardrobes are made up of a few pieces that can be mixed and matched to create a variety of looks. A good place to start is with basic pieces. This can be a few pairs of pants, skirts, and tops that you can wear in multiple ways.

Once you have the basics down, you can add in some accessories to change things up. For example, scarves, jewelry, hats, and bags can all help you create new looks with the same clothes.

With an easy wardrobe full of versatile pieces, getting ready in the morning can become a breeze. You'll always have something to wear, no matter where you're going or what you're doing.

5. Discover your personal style

Many people think they need expensive clothes or designer labels to look good. The truth is, you don't need either of those things. You can create a great wardrobe with clothes that suit your style and budget.

Start by taking a look at what you already have in your closet. The items that you wear most often and make you feel good should be the type of clothes to build your wardrobe around.

Next, take a look at the colors and styles you're drawn to. Do you prefer more minimalist or trendy looks? Do you like neutrals or bright colors?

Lastly, think about your lifestyle. Are you always on the go? Do you go out partying a lot?

Or do you have a more relaxed lifestyle and need casual clothes? Choosing a style that fits you and also your lifestyle will make getting dressed each day much easier.

6. Limit your shopping sprees

If you’re looking to create a simple and easy wardrobe, limiting your shopping sprees is a great place to start. Instead of buying a bunch of new clothes every time you go shopping, only invest in a few pieces you know that you’ll wear.

Also, take the time to try on different items and only purchase those that fit well. By being more selective with the clothes you buy, you’ll end up with a wardrobe that you love.

Build an easy wardrobe for a simpler life

Creating a simple and easy wardrobe doesn't have to be difficult. By taking the time to discover your personal style and be more intentional when it comes to buying clothes, you can create a wardrobe that you're proud of.

And when you love your clothes, getting dressed each day becomes a joy, not a chore. So, are you ready to ditch the clothes that are taking up space in your closet and start building a wardrobe for a simpler life?

The post How To Create An Easy Wardrobe That Suits Your Lifestyle appeared first on Clever Girl Finance.

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9 Ways To Start Loving Your Home https://www.clevergirlfinance.com/loving-your-home/ Mon, 11 Apr 2022 19:26:18 +0000 https://www.clevergirlfinance.com/?p=19758 […]

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Loving your home

Loving your home is important to your well-being because it can help bring you joy every day. When you first moved into your home, you were probably filled with excitement for the new space. But over time, that wears off as we get used to our surroundings.

We stop seeing the good things about our homes and start nitpicking the things that we don’t like. Although you might not be able to change your home’s location, size, or layout, there are a few things you can do to start loving your home more right now!

Start loving your home today with these 9 easy tips

Your home should be a safe space where you can retreat and find peace. So if you've been asking yourself, "How do I love my house more?" you've come to the right place.

Here are some actionable tips to help transform your home into a place where you're excited to return to each day.

1. Add character to your home with DIY decor

The number one thing I do to love my house more is add my own DIY decor. So one of the easiest ways to make your house feel more like home is to add character with DIY decor projects. By adding personal touches, you can turn your simple house into a cozy and inviting space.

One great way to do this is by bringing the outside in with flowers. Not only will this add life to your home, but it's also completely free! You can even decorate the flower pots with waterproof stickers, acrylic paint, and even gold foil.

Another great way to add character to your home is with art pieces. There are so many tutorial videos on Youtube that could help you get your creative juices flowing.

Also, spending the time to create a beautiful art piece is super fun and therapeutic. With an extra pop of color on your wall, you'll brighten up your home and make it vibrant and lively.

2. Make upgrades without breaking your budget

One simple and budget-friendly way to upgrade your home is to rearrange the furniture. You'll be surprised at how much bigger your home may appear by just moving the sofa or chairs around.

Another way to change things up is by painting a room or two with colors you love. This can completely transform the look of your home and elevate your mood. You could also try adding some new window treatments or updating the hardware on doors and cabinets.

No matter what changes you decide to make, keep in mind that it's your home and it should reflect your unique style and personality. With a little bit of effort, you can make upgrades to your home without breaking your budget and make you love your house more.

3. Use candles or diffuser sets

Candles and diffuser sets are a great way to make your home feel more like your own. They can help you relax and de-stress, which is essential if you want to feel at peace in your space.

Not only that, but relaxing scents can also help you get into a better mood, making it the perfect addition to any room in your house.

Here is a list of aromatherapy scents that are great for street relief and relaxation:

  • Rosemary
  • Lavender
  • Peppermint
  • Ylang-ylang
  • Lemon
  • Frankincense
  • Bergamot
  • Lemongrass

Candles are an easy and relaxing way to help you love your house more!

4. Decorate your home with thrift store finds

Thrift stores are a great place to find affordable home decor items and pieces that can be repurposed. For example, an old picture frame can be turned into a mirror. An old tablecloth can be used to make curtains or a table runner.

And don't forget about thrift store finds that are already home decor items! You can often find vases, lamps, or pieces of wall art for a fraction of the price you would pay at a regular store.

So next time you're in a thrift store, keep your mind open to the possibilities. You may just find the perfect furniture or art piece to help you love your house even more! Remember you can be frugal and still find ways to spruce up your home.

5. Let the light in

One way to start loving your home more is to let in as much natural light as possible. Sunlight has numerous benefits for our physical and mental health, so letting it into your home can help you to feel happier and more energetic throughout the day. (Plus, it can help save on electric bills!)

If your home is dark, try opening up the curtains or blinds during the day, or even rearranging the furniture to let in more light. You might also want to add some mirrors to reflect light around the room.

Just a few simple changes can make a big difference in how you feel about your home.

6. Add some greenery

Plants make any space feel more alive and welcoming, and they have plenty of other benefits as well. They better air quality, boost your mood and even improve your health.

If you’re not sure how to add plants to your home, start small with a few potted plants on your windowsills or in your bathroom. You could also create a vertical garden on a wall if there's limited space in your home. Or, if you have outdoor space, consider planting a garden!

7. Try Marie Kondo’s decluttering method

What is one of the best ways to ensure you love your house even more? Declutter it! Marie Kondo is a famous Japanese organizing consultant who recommends a simple but radical approach to decluttering: Tidy your entire house in one go and then keep only those things that 'spark joy.'

The KonMari Method, as it’s known, has helped many people transform and simplify their homes — and even their lives — for the better. So if you’re struggling to love your home, it may be worth giving the KonMari Method a try.

8. Show gratitude for the home you have

How did I learn to love my house more? I learned to be thankful for what I have. There are many reasons why you might not enjoy your home right now. Maybe the home is too small, it’s in a bad neighborhood, or it just doesn’t feel like a place where you can relax and be yourself.

But one of the best ways to start loving your home more is to show gratitude for it. No matter what your home looks like or where it’s located, there are probably aspects about it that you can be thankful for.

Maybe you have a comfortable bed to sleep in, a cozy spot to relax in, or a place to cook your favorite meals. Showing gratitude for the small things you do have will help you start seeing your home in a new light.

9. Invest in the room you spend the most time in

When it comes to your home, the room you spend the most time in is probably your bedroom, living room, or your home office. And while all rooms are important, if you want to start loving your home more than anything else, then make sure that this particular space is perfect for you.

It’s worth investing in a few pieces of furniture or decor that will help to make this room a place where you can truly enjoy yourself. This might mean getting some nice bedding, adding artwork that you love, or investing in beautiful fairy lights.

Whatever it is, make sure this room is a space you can enjoy spending the majority of your time in.

3 Reasons to start loving your home a little bit more

Even with the tips shared above, it can be challenging to love your home if you've been struggling to do so. But here are some reasons to start enjoying it more regardless of how you've felt about it before!

1. It reflects who you are as a person

Your home is a reflection of you as a person. It reflects your values, your interests, and your lifestyle. Also, it’s the place where you create memories and share experiences with the people you love.

Your home is a reflection of who you are, and you should love it because it’s uniquely yours. Don’t compare your home to someone else’s — instead, focus on what you love about it. Embrace your home’s quirks and imperfections, and make it a place that you enjoy spending time in.

2. A comfortable home keeps you inspired and motivated

Your home is more than just a place to sleep and eat. It’s a place where you can find inspiration and motivation. When your home is messy, it’s hard to find the inspiration you need to be creative and productive.

But when you love your home, it'll show in the way you take care of it. This means that it's probably going to be a much tidier and more comfortable space to be in. And when your home is comfortable, it’s easier to find that inspiration to get your life together.

3. It’s a safe place for personal development

Your home should be the one place in the world you feel completely safe. It should be a haven where you can relax and focus on your personal development without fear of being judged or ridiculed.

It’s also a place where you can experiment with new ideas and grow into the person you want to be without worrying about what others will think. So to create a space that feels safe and comfortable for you, start by loving it more and filling it up with things that make you happy.

Use these key tips to start loving your home today!

Living in a space that makes you feel good can have such a profound impact on your life. Ultimately, it doesn’t matter how small or large the space is, what color it is painted, or what furniture is in it.

So what truly matters is if you can find joy in your living space. These tips helped me find ways to love my house more, and I hope they help inspire you to transform your home into a sanctuary you love!

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The Best Advice To A Student: Tips For College Life, Money, And More! https://www.clevergirlfinance.com/advice-to-a-student/ Thu, 31 Mar 2022 15:54:30 +0000 https://www.clevergirlfinance.com/?p=18591 […]

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Advice to a student

College is a time of change, growth, and exploration. It can be difficult to find your footing in the first few semesters, but it’s important you don’t give up. Though no one’s college experience is the same, everyone can benefit from a little guidance along the way. But how do you find the very best advice for students to be successful?

In this article, we share some actionable tips and our best advice to a student who wants to have a successful college experience and needs help navigating their academic life, money, and the future.

The best advice to a student to be successful in college

Success in school takes more than intelligence. It also requires a lot of discipline, hard work, and intention. So here are a few tips and advice to a student who wants to achieve a successful academic life this semester!

Take part in extracurricular activities

Extracurricular activities are a big part of what defines many students' experiences on campus. It's not only the friends and memories you make, but these activities also provide opportunities to explore your interests, expand your skillset, and build valuable connections that can last a lifetime.

Not sure how best to get involved? Start by finding an activity that aligns with your interests and passions. If you love art, join the painting club or sign up for pottery classes.

If you're passionate about social justice, get involved with student government or join a club that focuses on advocacy work.

Not only will you enjoy your extracurricular activity more if it's something you're interested in, but you'll also be more likely to stick with it long-term.

Go to office hours

This sounds like a piece of obvious advice to a student, but you'll be surprised at the number of students who don’t take advantage of this opportunity.

Office hours are one-on-one time with your professor outside of class where you can ask about anything related to their class that you’re struggling with. This is the time to go over homework problems, discuss readings, or even just talk about how the class is going in general.

If your professor knows you by name and face, they'll be more likely to help you out when it comes time for things like a letter of recommendation. So if you’re struggling in a class, take the initiative and go to office hours! It could make all the difference.

Get organized

Some of the best advice for students to be successful in college is to get organized. Here are some tips to help you get started:

1. Develop a system for tracking your work

This might mean using a planner to keep track of assignments, setting up reminders on your phone, or keeping a list of tasks in a notebook. Find what works for you and stick to it.

2. Set up a dedicated workspace

This can be a spot at the kitchen table, a desk in your bedroom, or anywhere else that is comfortable and free from distractions. Make sure you have everything you need within reach, including school supplies, books, and your computer.

You also want to minimize distractions from your workspace. So try to keep your phone somewhere else and stay off social media while you study!

3. Get into a routine

Having a set schedule for studying and doing homework can help you stay on track. Whether it’s working for an hour after school every day, or setting aside time on weekends. You can create a great routine that will benefit your finances too!

Creating a routine is the best advice for students to be successful in all areas of life!

Strive for a good school-life balance

So how do you find a healthy balance between school and your personal life? First, it’s important to make time for yourself outside of studying. This can be used for things like hobbies, spending time with friends and family, or just relaxing.

It’s also important to create a study schedule that leaves some wiggle room for spontaneity. This way, you won’t feel like you’re constantly chained to your desk and you’ll be less likely to burn out.

Finally, don’t forget to take breaks! Breaks are essential for both your physical and mental health, so make sure to schedule them into your day.

Take up leadership roles

It doesn't matter if you're the president of your class or the captain of your team, it's important to take up leadership roles in school and step outside of your comfort zone.

Doing so will not only make you more well-rounded, but also give you the opportunity to learn essential skills like teamwork, communication, and responsibility.

And who knows? Maybe one day, you'll be able to use those skills in a career you're passionate about.

Start studying for exams early

When it comes to studying for exams, the sooner you start, the better. Waiting until the last minute is a recipe for disaster, as it leaves little time for review and leads to stress and anxiety.

Starting early gives you the opportunity to gradually digest the material and increase your understanding. It also allows you to identify any areas that need further attention so that you can focus your energies on those topics.

Start by making a study schedule that breaks down the material into manageable chunks. Then stick to it! Don’t let yourself get behind, as that will make it harder to catch up.

Learn to manage stress and anxiety

What is the best advice for students that will help their health? Learn how to manage your stress and anxiety! When it comes to studying, one of the biggest challenges students face is managing stress and anxiety.

It can be difficult to stay focused and motivated when you’re feeling overwhelmed by negative emotions.

However, with a few simple tips, it is possible to overcome these obstacles and achieve success in school. Here are four steps that can help:

1. Identify tour triggers

The first step is to identify what causes your stress and anxiety. This can be different for everyone, but common triggers include exams, deadlines, and public speaking. Once you know what your triggers are, you can start to develop a plan for how to deal with them.

2. Develop a support system

It’s important to have a support system to help you through tough times. This can be friends, family, or even a therapist. Talk to your loved ones about your anxiety and let them know how they can help.

3. Create a schedule

One of the best ways to manage stress is to create a schedule. This will help you stay organized and on track. Make sure to include time for relaxing and fun activities, so you don’t get too overwhelmed.

4. Seek professional help

If you find that your anxiety is impacting your life in a negative way, it may be time to seek professional help. On-campus therapists can provide you with tools and strategies to deal with your anxiety.

The best financial advice to a student

It's never too early to start learning about money management, which is why we've put together this list of money advice to a student in college. Here is the most beneficial advice for students to be successful financially!

Take advantage of student discounts

One of the easiest ways to save money while you're in school is to take advantage of student discounts. You can find discounts for everything from clothes and food to car rentals and travel.

All you have to do is show your student ID. So before you make any purchase, be sure to check and see if there’s a student discount available. You might be surprised at how much money you can save.

Learn to budget

Budgeting as a student doesn’t need to be difficult. Here are some actionable budgeting tips and advice for students in college:

1. Get rid of any unnecessary expenses

This may mean getting rid of your cable TV package or eating out less often. There are plenty of free or inexpensive entertainment options available, so you won’t need to spend a lot of money on these things.

2. Start tracking your spending

You can do this by using a budgeting app or simply writing down your expenses in a notebook. This will help you see where your money is going and where you can cut back. Check out our post "Keeping A Spending Journal To Improve Your Finances" for tips!

3. Try to live below your means

It's okay to treat yourself once in a while, but splurging every weekend might not be the best financial decision to make. Our money advice to a student is to only spend what you can afford and avoid going into debt.

Also, try to save at least 10% of your income so that you can start building your savings.

Be smart about taking on student debt

Taking on student debt is a big decision to make because it will literally impact your financial future. Here is some advice to a student in terms of taking on debt.

1. Research loan options

There are many different types of student loans, but all can be categorized as federal or private. Federal student loans usually have lower interest rates and more flexible repayment options than private student loans.

Make sure to take the time and shop around for the best interest rates and repayment options that fit your needs.

2. Understand interest rates and terms

It's important that you understand all of the terms and conditions of your loan before signing anything. This includes the interest rate, the repayment schedule, and any potential penalties for late or missed payments. So be sure to go over all of your loan details.

3. Create a repayment plan

Once you graduate, you'll need to start repaying your student loan debt. Make sure you understand all of the different repayment options available to you and choose the one that will work best for your situation.

You can also use a Loan Simulator to get an early look at which plans you may be eligible for and estimate how much you'd pay monthly.

4. Don't take on more loans than you need to

It can be tempting to take out a larger loan than you actually need in order to have some extra spending money while you're in school, but remember that you'll have to pay back every penny plus interest.

Only borrow what you absolutely need in order to limit your future debt. Check out our post for advice on "How To Avoid Student Loans."

5. Keep track of your student loans on your credit report

Stay on top of your loans by monitoring your credit report for any changes. That way, you can be sure that your credit score isn't affected by any late payments and avoid any stressful surprises down the road.

One way to find out which student loans you currently have is to request your free annual credit report from Equifax, TransUnion, or Experian.

6. Make your payments on time.

This seems like a no-brainer, but it's important to remember that late or missed loan payments can have serious consequences. Not only will you be charged additional fees, but it could also negatively impact your credit score.

To make sure you don't miss a payment, make sure to sign up for autopay with your lender. Some of our best money advice to a student is to automate your finances!

Build an emergency fund

It's never too early to start building an emergency fund. In fact, the earlier you start, the easier it will be. It's okay to start small. Even if you can only contribute $10 per week. Remember, every little bit counts, and it will add up over time.

Also, try to keep your emergency fund in a separate account. This way, you won't be tempted to spend the money on something else. Only use your emergency fund for, well, emergencies.

This may seem obvious, but it's important to remember that your emergency fund is there to help you in case of a financial setback and not a trip to Europe.

Take on a side-hustle

Did you know that there are plenty of side-hustles you can take on to help make ends meet as a student? Here are just a few examples:

  1. Start a blog and sell advertising space or promote products as an affiliate.
  2. Offer your services as a tutor or a virtual assistant.
  3. Make food or groceries deliveries.
  4. Sell handmade crafts or goods online.
  5. Babysit or dogsit.

No matter what your interests or skills are, there's likely a side-hustle out there for you. So if you're looking for ways to make some extra money while in school, don't be afraid to get creative and think outside the box.

The best advice to a student planning for their future

Even though you're still young, it's still a good idea to start thinking about your future and planning for it! So here's the best advice for students that will help to plan for the future:

Actively participate in career events on campus

Taking advantage of all the resources your campus offers, including career events, can be a great way to start planning for your future. These events can provide you with information about different careers.

They can also help you develop your resume, networking skills, and connect you with potential employers. Attending these events is a great way to get started in your career planning and make sure you are on the right track.

Create a vision board

When it comes to planning for the future as a student, it's important to be proactive and set yourself up for success. A vision board can help you do just that!

By creating a board with images and quotes that inspire you, you can keep your goals in mind and stay motivated to achieve them.

If you're not sure where to start, check out this article on how to create a vision board. Once you have your board made, be sure to hang it in a place where you'll see it often. This will help remind you of your goals and keep you on track.

Make a savings and investment plan

Making a savings plan is one of the best ways to ensure that you have enough money saved up for future expenses. By setting aside a little bit of money each month, you can gradually build up a nest egg that can help you cover costs down the road.

There are a variety of ways to save money, so make sure to find one that best suits your needs. You could also try one of these fun money-saving challenges to get started!

You also need to be sure you begin investing for your future as soon as possible. The earlier you start, the more you will have saved for your future and retirement!

Leverage this best advice to a student to be successful financially and in life!

Hope you enjoyed most of these best advice for students tips! College is an opportunity to explore your interests, expand your knowledge, make life-long friends, and become independent.

But at the same time, it's essential to take care of yourself during these years and set yourself up for success.

Try to find a healthy balance between social activities and academics, and don't forget to take care of your mental, financial, and physical health. By following this list of advice to a student, you can set yourself up for a successful college experience.

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How To Close A Joint Bank Account https://www.clevergirlfinance.com/how-to-close-a-joint-bank-account/ Sun, 20 Mar 2022 08:01:16 +0000 https://www.clevergirlfinance.com/?p=18321 […]

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How to close a joint bank account

Joint bank accounts can be pretty convenient because they make it easy to share expenses and keep track of your finances as a unit. But in some cases, you may find it no longer beneficial to share your finances together.

If so, it might be time to close the account. When you close a joint bank account, you're basically breaking the financial ties between yourself and the other person on the account.

This can be a helpful step to take if you want a clean breakup with your partner or you want to dissolve any other type of business or personal relationship. It could also be because your banking preference has changed. Read on to learn the step-by-step process of how to close a joint bank account.

Common reasons for closing a joint bank account

There are a number of reasons why someone may choose to close a joint bank account. Here are a few of the most common reasons:

Divorce or breakup

People might consider closing a joint bank account due to divorce or breakup because they want to have more control over their finances. Often, in these situations, it can be difficult to co-manage finances if the two people are no longer together.

Closing the joint account can help simplify things and make it easier to manage money separately.

An uncooperative co-owner on the account

Another reason why one would close a joint account might be due to an uncooperative co-owner. This can be very frustrating, especially if he or she is extremely irresponsible about their finances and is causing the other person to suffer financially.

If there is no clear way to resolve the situation, it might be best to learn how to close a bank account and move on. At the end of the day, if both parties are not on the same page about finances and often fight and bicker about how to manage funds, it's not a good idea to share a bank account.

Changes in banking preference

People might also consider closing a joint bank account due to changes in banking preference. For example, one person in the relationship may prefer to use a certain bank or credit union, while the other person prefers a different institution.

If both parties cannot agree on a banking institution, it can lead to tension and disagreements. In some cases, it may be best to close the joint account and open separate accounts at the bank or credit union of each person's preference.

Step-by-step instructions on how to close a joint bank account

Want to close your joint account but not sure what the exact process looks like? Here are step-by-step instructions to help you close a joint account correctly.

1. Clear all funds in the account

Before you close a joint account, it's important to clear out all the funds in the account. This will ensure that both of you are completely financially independent from each other once you close the account.

You simply do this by withdrawing all of the money from the account or transferring it to another bank account. You'd however both need to decide who gets what money.

2. Cancel automated transactions

A lot of people who close their joint accounts forget to cancel their automatic payments. This can quickly cause a headache for both parties involved. If you have bills that are automatically paid through your bank account, you'll need to contact those companies and update your payment information.

Otherwise, you may end up getting expensive overdraft fees and even delay the process of closing your account. So be sure to review your account’s monthly activity, and consider canceling any cards linked to the account. Canceling automated transactions is how to close a joint bank account without hassle.

3. Open up a new account

Once you've decided that you're going to close a joint account, it's important to open up a new account as soon as possible. This will ensure that your finances are still organized and that you don't experience any disruptions in your daily life.

Keep in mind that it could take some time for payments to redirect and switch over successfully to the new account, so don't rush to close your old joint account until then.

4. Ask your bank to close the old account

The process of closing a joint bank account can differ depending on your bank's policies and procedures. Some banks may ask you to visit a branch and some may be able to process it over the phone.

Just make to find out what the requirements are beforehand. For example, who can request the closure and what documents are required. So contact your financial institution to ask them the requirements and details on how to close a joint bank account.

Can one person close a joint bank account without the other person?

You may be wondering "Can one person close a joint bank account without the other person?" Yes, according to the Consumer Financial Protection Bureau, many banks will allow you to close a joint account without the other person as long as you're one of the co-owners of the account.

Before closing a joint bank account, always make sure to notify the other co-owner of the account. This is because he or she may have pending transactions or deposits that are still processing. By notifying the other co-owner, you can ensure all transactions have gone through smoothly before the account is shut down.

Things to keep in mind when closing a joint bank account

Closing your account is pretty straightforward. But, there are still a few things you need to be aware of when you close a joint bank account to prevent any confusion during the process.

Remember to get confirmation from the bank

When you decide to close a joint bank account, remember to get written confirmation from the bank stating that your account is actually closed. This will help to ensure that there are no misunderstandings about the closure of your account.

Without this confirmation, you may later find out that your joint account didn't close properly. And end up being liable for debts such as overdraft fees associated with the account.

Both co-owners are liable for overdraft fees

You and your account co-owner are both equally liable for penalties that may occur. It's also important to be aware of this during the process of closing a joint bank account as well. For example, if one person uses the account irresponsibly and incurs overdraft fees.

Then, the bank will most likely refuse to close the account until one of you pays down the balance. Keep in mind that if the fees aren't paid, your bank could send debt collection agencies to collect the payment and this can reflect on your credit report for 7 years.

Be careful about deposits

Once you've closed a joint account, make sure to remind both you and the co-owner to not make any deposits to that account again. Because if a bank receives a deposit for a closed account, they may reopen the account and start charging the monthly service fees again.

If you aren't aware of this, you can quickly rack up overdraft fees and get into debt.

Follow this guide to close a joint bank account successfully!

Now you know how to close a joint bank account successfully! When handled correctly, closing a joint bank account is a relatively straightforward process that can protect your finances and your relationship. However, if there's a mistake in the process, you could end up accruing debt and even damaging your credit score.

It's important to make sure that you go through all of the steps correctly so that you're not left holding the bag when things go wrong. Finally, don't be afraid to ask your bank if you have any questions, they're usually happy to help out.

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Planning To Succeed! 9 Tips To Implement Today https://www.clevergirlfinance.com/planning-to-succeed/ Fri, 11 Mar 2022 15:42:38 +0000 https://www.clevergirlfinance.com/?p=18011 […]

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Planning to succeed

It's not enough to have big dreams. You also need a plan to achieve them. People who achieve their goals are usually very intentional about planning to succeed. They take the time to map out a step-by-step plan with checkpoints and timelines, so they can track their progress and ensure they're on the right track.

No matter which aspect of your life you want to achieve success in, it's important to create a plan that will help you get there. This will help you become more intentional about your actions, and make sure you're always moving closer to your goals.

Why is planning so important to success?

There's a reason why the saying goes "Fail to plan, plan to fail." Planning is essential for achieving success in any field. Without a plan, you're likely to waste a lot of time and energy on fruitless endeavors. A good plan will help you focus on your goals and make sure you're taking the necessary steps to achieve them.

Also, there will likely be setbacks along the way to success. And if you're not prepared for them, they can derail even the best of intentions. But with a solid plan in place, you can minimize the impact of these bumps in the road, and know how to get back on track when you hit a snag.

So take the time to put together a good plan for success, and then stick to it!

Planning to succeed: 9 Essential Tips

Ready to start planning for your success? Here are some tips to help you come up with a strategic and actionable plan. Plus, we include some super motivating "plan to succeed quotes" after!

1. Chunk down goals into manageable pieces

When it comes to goal setting, breaking things down into manageable chunks is key for success. This is because it allows you to focus on one task at a time and avoid feeling overwhelmed.

Also, by chunking down your goals, you are able to better track your progress and make necessary adjustments along the way.

For example, if your goal is to start a blog and write 200 posts within two years, it can be quite intimidating at first. But, if you break the goal down into smaller steps, such as uploading 2 posts a week consistently, then the goal won't seem as unattainable.

The same goes for your money goals. For instance, let's say you want to save $10,000 in a year. Rather than focusing on that hefty number, you break it down into weekly savings goals. So that means you focus on saving $192.30 a week!

Taking big hairy goals and breaking them down into smaller goals is an important step when you are planning to succeed!

2. Eliminate distractions

To achieve success, you need to concentrate on those goals and generate concrete plans for achieving them. If you're always distracted by unrelated tasks, then you won't have any time or energy left to focus on your goals.

So if you often find yourself mindlessly scrolling through your phone and spending hours a day on Social Media, maybe it's time to cut down on your screen time.

You can try locking your phone away in the other room or turning it off completely. This way, you can devote 100% of your energy to making your dreams a reality.

3. Develop a growth mindset

When it comes to your plan for success, having a growth mindset is essential for overall life planning. A growth mindset means you believe that your intelligence and abilities can be developed over time with effort.

This belief allows you to take on new challenges without being discouraged, and to learn from your mistakes. Most importantly, it allows you to dream big and believe in your ability to accomplish virtually anything. Check out our post and learn "How To Create A Self Growth Plan" today!

4. See failure as a stepping stone

Seeing failure as a stepping stone can separate you from those who see failure as an end in itself. When you think this way, you stop being afraid of making mistakes and start learning from them.

I'm sure you've heard Thomas Edison's story a million times - He tried more than 10,000 times before he finally invented the light bulb - He didn't see his failures as a reason to give up.

Instead, he saw them as a way to learn and an inevitable step to reaching success. He said: "I have not failed 10,000 times. I've successfully found 10,000 ways that will not work."

So when planning to succeed, you have to be prepared to fail and see it as a stepping stone instead of a stumbling block.

5. Network strategically

Networking with the right people can open up opportunities that you never would have had otherwise. It can help you find a job, get your business off the ground, or just get advice on a tough decision.

And the more strategic your networking is, the more likely you are to reach your goals. So take the time to think about who you want to network with and what you want to achieve. Then find events and groups that will help you meet those people and achieve your goals.

It's important to keep in mind that networking is not just about taking. It's also about giving! So be sure to actively cultivate those relationships by staying in touch, providing value, and being helpful when you can.

6. Ask for help when needed

Reaching success is not easy, and it takes a lot of hard work, dedication, and determination. Having a good support system can also make all the difference.

When you have people who believe in you and are there to help you out when you need it, it makes the journey that much easier. So don't be afraid to ask for help when you need it. It could be the difference between success and failure.

7. Make adjustments

In the process of achieving your goal, it is natural to come up with ideas that will make the goal easier or more attainable. So don't be afraid to change your original plan and make necessary adjustments.

For example, if your travel blog has performed poorly recently due to international travel restrictions, don't be hesitant to shift your content towards local travel or road-tripping in your home country! Who knows!

Maybe this content strategy shift could make your blog go viral and help you achieve your blogging goals much earlier than expected.

8. Be consistent

Consistency is key when you are planning to succeed! It's hard to get where you want to go if you're not consistent. For example, let's say that the goal is to lose weight and be more active. If you work out a couple of times in one week but skip your workout for the next few weeks, then seeing no results shouldn't come as a surprise.

You're more likely to reach your goals if you're consistent with your efforts, whether that means going to the gym every day or working out for a certain amount of time each week.

So if you've been having trouble staying consistent, make a promise to yourself to start taking your goal seriously and not give up until it's achieved!

9. Check in on your progress and celebrate your wins

We all know the feeling. You've been working hard for weeks on a goal but you haven't seen any progress or rewards yet and it's getting discouraging.

You might have even become discouraged enough to stop trying altogether and just go back to your old habits. Well, don't give up!

Just because you can't see the results of your hard work doesn't mean they're not there. In fact, if you stop trying now you'll never know what could have happened.

That's why it's so important to check in on your progress and celebrate your wins. This will help you to stay motivated and keep working towards your goal. And who knows? You might even surprise yourself and reach your goal sooner than you thought possible.

Planning to succeed vs. Hoping for success

Planning to succeed and hoping for success might sound similar, but there's actually a big difference between the two.

When you plan to succeed, you're taking action and making a commitment to achieve your goal. You're putting in the work required and doing what it takes to get there.

On the other hand, when you hope for success, you're essentially waiting for something outside of yourself to change so that you can achieve your goal.

To put it simply, unless you win the lottery or receive an inheritance, laying in bed wishing to become a millionaire will not help you achieve the goal. It is consistent action and intentional planning that will!

At the end of the day, planning gives you a road map to follow and increases your chances of achieving your goals. Whereas hoping leaves everything up to chance. Which route would you rather take?

20 Plan to succeed quotes to keep you motivated

The road to success and be bumpy and rough, but we found some "plan to succeed quotes" to keep you motivated on this journey. Quotes can be very inspirational and can help you to transform your mindset!

Quotes about the importance of planning

These are our favorite quotes that emphasize the importance of planning!

1. "Good fortune is what happens when opportunity meets with planning." - Thomas Edison

2. "Chance favors the prepared mind." - Louis Pasteur

3. "A man who does not plan long ahead will find trouble at his door." - Confucius

4. "Plan your work for today and every day, then work your plan." - Margaret Thatcher

5. "By failing to prepare, you are preparing to fail." - Benjamin Franklin

6. "A goal without a plan is just a wish." - Antoine de Saint-Exupéry

7. "It takes as much energy to wish as it does to plan." - Eleanor Roosevelt

8. "There are dreamers and there are planners; the planners make their dreams come true." - Edwin Louis Cole

9. "Someone's sitting in the shade today because someone planted a tree a long time ago." - Warren Buffet

10. "Create a definite plan for carrying out your desire and begin at once, whether you ready or not, to put this plan into action." - Napoleon Hill

Quotes on planning and execution

These "plan to succeed quotes" focus on executing your plan successfully!

11. "If Plan A doesn't work, the alphabet has 25 more letters." - Claire Cook

12. "Have a bias towards action - let's see something happen now. You can break that big plan into small steps and take the first step right away." - Indira Gandhi

13. "Planning for success will make you even more creative." - Danielle LaPorte

14. "Plan for what is difficult while it is easy, do what is great while it is still small." - Sun Tzu

15. "The backbone of success is hard work, determination, good planning, and perseverance." - Mia Hamm

16. "The man who is prepared has his battle half fought." - Miguel De Cervantes

17. "Never look back unless you are planning to go that way." - Henry David Thoreau

18. "Give me six hours to chop down a tree and I will spend the first four sharpening the axe." - Abraham Lincoln

19. "If you don't know where you are going, you'll end up someplace else." - Yogi Berra

20. "Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success." - Pablo Picasso

Pick a few or even use all of these "plan to succeed quotes" to keep you motivated and focused! Be sure to check out our favorite quotes about becoming debt free. We also share our favorite funny money quotes!

Use these tips to start planning to succeed!

Planning is just the first step. To make your plans become reality, you also need to start taking action! Without taking any action, your dreams and goals will remain just that-dreams and goals. And while it's important to have a strategic plan, it's even more important to turn them into a reality.

So, if you want to achieve your goals, don't just sit there after you're done planning. Get up and take action. You can do it!

The post Planning To Succeed! 9 Tips To Implement Today appeared first on Clever Girl Finance.

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How To Position Yourself For Salary Increments https://www.clevergirlfinance.com/salary-increments/ Thu, 17 Feb 2022 01:19:26 +0000 https://www.clevergirlfinance.com/?p=17535 […]

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Salary increments

So many people feel shy or awkward about asking for a raise. They may feel that they are not entitled to one, or that they do not deserve it. They may also be afraid of rejection or appearing ungrateful. However, there are several reasons why it is important to ask for those raises aka salary increments.

First, you deserve to receive compensation that is in line with your skills and experience. Second, if you do not ask for a salary increment, you may never receive one. And third, by asking for a raise, you show your employer that you are ambitious and want to contribute more to the company.

If you've been low-balling yourself when it comes to compensation, stick around for tips on how to position yourself for an increment of salary.

What are salary increments?

A salary increment is a salary increase that is typically given to employees on an annual basis. The purpose of salary increments is to ensure that employees maintain a certain level of quality of life, and receive adequate compensation for their work.

Though there is no set rule in terms of how often an employee can request an increment of salary. Most recommend that new employees wait at least six months, while more senior employees can ask around once a year.

When is a good time to ask for a raise?

Finding the right time to ask for a pay raise can be tricky. On the one hand, you don't want to be seen as entitled or presumptuous.

On the other hand, you don't want to wait too long and risk missing out on a promotion. Or worse, having your current salary be the new baseline for future raises. So when is it the right time to ask?

When your employer posted strong quarterly earnings

When your employer posts strong quarterly earnings, it's almost always a good time to ask for a pay raise. If a company is doing well, it should reward its employees for their hard work.

With a well-crafted request, you can show your employer how you've contributed to your company's recent success. As well as your commitment to the company's future performance.

You find out you’re being underpaid

One of the best times to ask for a raise is when you know you’re being underpaid. If you realize that someone more junior than you is making the same amount as you do.

Or, you've taken on more responsibilities and worked overtime in the recent months yet your pay has remained the same. Then it's probably time that you ask for an increment of salary.

You’ve made significant achievements

Another great time to ask for a pay raise is when you've become an invaluable asset to your company. When you can demonstrate that you've contributed to the success of the firm, it becomes harder for management to say no.

So if you're looking to get extra financial compensation for all your hard work, make sure to document your achievements. Prepare to talk with them in detail about your accomplishments.

7 Actionable tips for negotiating a salary increment

If you're feeling nervous and unsure about negotiating a salary increment, here are some tips that can help you better prepare for the big moment.

1. Research salary data for your current position

Make sure to do some research first before you speak with your boss or HR department. Because the more you know, the better equipped you are going into the discussion.

You can find out what others in similar positions are earning by doing an online search of salaries on Glassdoor. This will give you an idea of what range might work for your company.

Also, it's important to note that if you decide to negotiate your starting salary at a company, this might directly affect the percentage of salary increments you can negotiate in the future.

2. Consider bonuses and other options

A bonus is a sum of money that you earn in addition to wages or salary. It can be based on performance (e.g., productivity) or other factors (e.g., seniority). On the other hand, stock options are the right to buy shares in a company at a predetermined price within a certain time period.

Bonuses and stock options aren't a part of salary increments. However, it might still be worthwhile to consider negotiating these benefits since they have a monetary value.

3. Don’t be afraid to counter

Although it is important to be professional when asking for a raise, don't be afraid to counter if the offer is not what you were expecting. Remember that you have a right to negotiate. If the initial offer is too low, be prepared to make a case for why you believe you are worth more.

Stay calm and confident throughout the negotiation process. And remember that it is ultimately better for both parties to reach an agreement than to walk away empty-handed.

4. Aim for the top of the range

When it comes to asking for salary increments, most people aim too low. They often hesitate to ask for what they really want, settling instead for a smaller increase that may not meet their needs.

If you can prove that you deserve it based on your past performance, then don’t be afraid to aim high when requesting a raise. It’s always better to ask and be turned down than not to ask at all.

5. Use a salary increment calculator

It's always a good idea to arm yourself with as much information as possible before you go into any negotiation, and that includes finding out what you're worth in the current market. A salary increment calculator can help you do just that.

By plugging in your current salary and target percentage of increment, a salary increment calculator can give you an idea of how much more money you could be asking for at your current company.

On average, employers give their employees a 3% salary increment each year. Here are a few popular salary increment calculators you can try:

6. Show your performance record

Many companies use tools such as appraisal systems and scorecards that help them evaluate employee performance. It might be worth looking at these before asking for an increase in pay.

Especially if you feel like you're doing well but not being recognized by your employer. By proving to them that you've gone above and beyond to meet the expectations of the company, you'll have an upper hand in the negotiation process.

7. Practice negotiation with family and friends

Negotiation is like any other skill. You need to do some trial and error before you start getting better at it. The more experience you have, the easier it will become for you to stand your ground.

If you're looking for a way to practice your salary negotiation skills without the risk of losing a job offer or position, try negotiating with your family and friends. Have them come up with different scenarios so you can work on your strategy and build up your confidence.

3 Reasons why you should ask for salary increments

By asking for an increment of salary you are not only doing what's best for yourself, but you're also sending a message to your employer that you are dedicated to your career and expect to be compensated fairly for your hard work.

If you're still on the fence on whether or not to ask for a raise, here are three reasons why you should do it.

1. Salary increments improve your job satisfaction level

Asking for a salary increment can ensure that you are compensated fairly for all of the hard work and effort that you put into your job.

Most importantly, an increment of salary can provide you with more financial stability. Which can lead to a more comfortable and satisfying life overall.

2. You’ll become more confident by proving your worth

When asking for a salary increment, you are essentially communicating to your employer that you are a valuable asset and that you are worth more than your current salary.

This can make you feel appreciated and valued by your employer. Additionally, it can help you to feel more confident in your abilities and may encourage you to work harder.

3. It speeds up your career advancement

A salary increment can help you advance faster at your company by proving that you are invested in your career. It can also help you negotiate for better opportunities and benefits down the road.

Boost your salary by asking for salary increments!

Learning how to position yourself for salary increments is so important because it shows you are serious about your work and want to be rewarded for your efforts. Moreover, it puts you in a better bargaining position when it comes time to negotiate a raise.

Every employee should take the time to assess their worth and position themselves accordingly. By following the tips mentioned above, you too can increase your earning potential and pave the way for future salary growth.

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What Are Investable Assets And How Can You Build Yours? https://www.clevergirlfinance.com/investable-assets/ Thu, 10 Feb 2022 16:59:07 +0000 https://www.clevergirlfinance.com/?p=17366 […]

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Investable assets

Most people think of their home as their biggest and most important investment and a substantial part of their net worth. However, it is important to note that your home is actually not an investable asset. Investable assets include liquid and non-liquid assets. Essentially, they are what you have before selling your possessions or properties.

In this article, we are going to discuss why investable investments are important to have, examples of what they are, and how to start building your own!

Why are investable investments important to have?

If you want to achieve financial success and freedom, having investable assets is a must. It's all about having assets that appreciate. They include cash, stocks, bonds, as well as other types of financial products such as mutual funds.

With these in your portfolio, you can be sure that you have enough money available to invest when the right opportunity comes along.

Moreover, investing your money wisely is the key to building wealth over time. The sooner you start investing for retirement or other long-term goals, the better off you'll be later on!

Examples of investable assets

Investable assets must be easily liquidated. Here are some examples to give you a better idea of what they are:

Cash, checking, and savings account

As we all know, cash is the most liquid form of money and can be used to purchase goods and services immediately. Checking accounts allow you to easily access your cash, as well as write checks and use debit cards. While savings accounts provide a way for you to save money over time.

Stock, bonds, and mutual funds

Stocks are a type of investment that represents a share in the ownership of a company. When you buy stock in a company, you own a share of that company and have a claim on its profits and assets.

Bonds are loans that companies or governments make to each other. Therefore, when you buy a bond, you're lending your money to a company or government in exchange for interest payments over a set period of time.

Lastly, mutual funds are baskets of different stocks, bonds, and other securities that investors can buy into as part of one investment fund. This gives investors a way to put their money into a wide variety of securities at once.

Retirement accounts and trusts

When it comes to retirement planning, there are a few different types of accounts and trusts you can use to save for your golden years.

One popular option is the Roth IRA, which allows you to save money tax-free and withdraw it tax-free in retirement. Another option is the 401k, which lets you defer taxes on your income until you retire.

There are also several different types of trusts that can be helpful for retirement planning, such as the irrevocable trust or the charitable remainder trust.

CDs and money market accounts

Both money market accounts and CDs (Certificate of Deposit) are savings vehicles offered by banks and credit unions to grow your money more quickly than traditional savings accounts.

However, CDs tend to provide a higher interest rate since you are required to keep your money in the account for a specific length of time.

How do you calculate total investable assets?

To calculate net investable assets, you simply add up all of your liquid and near-liquid assets. Such as stocks, checking accounts, and cash. This would also be considered your liquid net worth.

Then, subtract your consumer debt such as student loans and credit card debt. This leaves you with the amount of money available without having to sell your properties such as your home.

Net worth vs. Investable asset

Many use net worth to calculate their overall financial health, whereas some prefer to use investable assets. What's the difference between the two? To put it simply: Investable assets do not take into account your physical assets such as property, land, or fine art.

On the other hand, net worth does. And one disadvantage of determining your financial status with net worth is that it can fluctuate quite a bit due to the market values of your physical assets.

How to build your own investable assets to ensure financial wellness

With careful planning and execution, it's possible for anyone to build a portfolio of assets that will provide you with a secure financial future. Here are some tips to help you get started with buying your assets!:

 1. Fund your 401(k) with matching funds

A 401(k) is a retirement savings account that allows you to save money for retirement on a pre-tax basis. Employers often offer matching funds, which means they will match a certain percentage of your contributions. This is an excellent way to ensure financial wellness in the future.

As it can help you build up your assets over time. The employer match can literally double your savings, and not taking advantage of it is essentially leaving "free money" on the table.

2. Build your emergency reserves

You may have heard the saying, "An ounce of prevention is worth a pound of cure". This is especially true when it comes to your finances. Sometimes, emergency situations can put a dent in your assets. Hence, building up your emergency funds can really help you avoid costly financial emergencies.

Most recommend having at least three months' worth of expenses saved up in case of an unexpected event like a health crisis. But it'll never hurt to save more just in case.

3. Reduce risk through diversification

Diversification is the key to financial well-being. By not investing in many different types of assets, you're more likely to experience investment volatility and risk.

And if you don't have a diverse portfolio, then your money may be at risk when one or two investments go sour.

For this reason, it's important to diversify them: dividing up your investable assets into various categories such as stocks, bonds, retirement accounts, and money market accounts.

4. Take advantage of compound interest

The power of compound interest means that even small amounts invested now can lead to huge differences down the road.

For example, imagine saving $500 monthly for retirement at age 25 and earning an average annual return of 7%. That investment would be worth around one million dollars by age 65!

By comparison, if you wait until age 35 to start investing that same amount, it would only be worth around five hundred thousand by then—a difference of 2x. So don’t procrastinate—take advantage of compound interest today.

5. Rebalance your investment portfolio as needed

You can never accurately predict what's going to happen in the economy and the market. Therefore, it's important that you carefully balance your investments to make sure they can support you now and in the future.

This can either mean selling off some of your investments in the stock market to lock in a profit or adjusting the amount invested in cryptocurrency due to the change in your risk tolerance level.

Tips for managing your investable assets

Managing your investments is one of the most important things you can do to ensure your financial wellness. By taking a proactive approach and making informed decisions, you can maximize your returns and minimize your risk. Here are some simple tips you might find useful:

Talk to a financial advisor

When it comes to managing your assets, you should consider consulting with a financial advisor. They have the expertise and experience to help you make the most informed decisions about where to put your money.

Financial advisors can also provide invaluable advice on asset allocation, diversification, and more. All of which are key factors in preserving and increasing your wealth.

Read blogs to further your knowledge about personal finance

If you're looking to manage your assets, it's important to read blogs and other resources to learn from experts. By doing so, you can avoid making costly mistakes that could otherwise cost you a lot of money.

For example, our blog offers plenty of valuable articles and resources that teach you how to invest smart, save money, and create multiple sources of income to help you achieve your financial goals.

Consider your risk tolerance level

Everyone has a different risk tolerance level. And that needs to be taken into account when you’re managing your assets. For example, if you have a low-risk tolerance level, then investing in a mutual fund could be appropriate for your portfolio.

On the other hand, if you have a high-risk tolerance level, then cryptocurrency could be a potential option for you. In either case, it pays to know what type of investment will make the most sense for you before making any decisions.

Start building investable assets and increase your wealth!

Investable assets will not only help you achieve financial freedom but also prepare you for any unforeseen circumstances. However, to ensure financial security in the long run, it is crucial that you learn how to manage your assets wisely.

Whether it's through consulting with a financial advisor or self-educating through reputable blogs, and if you don't have any investable assets yet, it's never too late to start building yours today.

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