9 Unconventional Tips For Financial Prosperity [and Mental Sanity] | A “How To” for Survival When Money Is Tight
Money is one of those things that is always heavy on my heart… I know, it seems dramatic, but I can’t be the only one. One thing I have decided in my adult life is that I’m going to refuse to let it stress me out. So instead of going into full panic mode when I’ve spent a little more on life than I had hoped to, I have come up with a plan to get myself back in check. In sharing a few of my tips and tricks with y’all, I hope to help you some way on your road to financial success!
Pay your bills up front
This is the first tip that comes to my mind. Make sure your obligations and priorities are taken care of the day you receive your paycheck! This way, you’ll know what you are working with to make it through (dare I say, thrive?) the rest of the month.
Make a list of the month’s financial priorities
Do you have a lot of atypical expenses lately? For me, it’s the wedding season that’s doing me in… Regardless of what seems to be draining your finances, it’s important to stay organized and have a payment plan. I’m old school and use the sticky note system…meaning I list all of my large expenses on sticky notes, and attach them in my planner to the week that I plan to pay. Therefore, I’ve got a plan, and am spreading out my payments evenly…and not dropping a ton of money at once.
Put 10% of your paycheck away
I’ve said this before and I’ll say it again…if you are physically able to put this money away, DO IT. A mentor/financial adviser gave me this advice, and although I can’t always stick to it, I will never forget it.
Remind yourself of your long term goals
I’ll be honest, I don’t like to save money. And being really honest, I LOVE to shop. So sometimes it’s hard for me to say no…whether to the earrings, the coffee, the justified sale purchase, you name it. But what helps me combat this weakness of mine is reminding myself of my goals. Lately it’s been the condo reno, or that trip to Iceland that I want so bad, or even saving for our future wedding (not engaged, just a dreamer ;)). Whatever it is for you, latch onto it…and the process will become SO much easier.
Find things to do that are fun AND free
This really is key. Instead of tripping with your girls to the mall, opt for a low key day at the beach. Been really needing a date with bae? Make sammies at home and find a new picnic spot. Take your dog to the dog park, ride your bike through town, have a Netflix wine/tea night (like, are you even compromising?). There are so many fun things to do that don’t require your wallet!
Turn your attention to something else
For me, lately, it’s been exercise. I have been really working on my health regime. I find that when I am setting fitness goals for myself, my attention goes there instead of on the latest trend. On the same note, I also use Bible study. If I find that I am pulling out that card too much, I turn my focus more towards Jesus, and can always find fulfillment in the Word.
Find an inexpensive way to treat yourself
You work hard. You deserve to be treated. But some months the treatment must be more affordable than others. When I’m cutting back, I still allow myself a few things…like that $55 mani/pedi. Because y’all, we all need to wind down. Just find a way to do it without breaking the bank.
Remember that happiness does not come from your wallet
Just a few Bible verses that keep me grounded:
Then he said to them, “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.” | Luke 12:15
Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs. | 1 Timothy 6:9-10
Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. | 1 Timothy 6:17-18
Charm is deceptive, and beauty is fleeting; but a woman who fears the LORD is to be praised. | Proverbs 31:30
Know that you are not alone
In our social media heavy world, it is so hard not to compare yourself to others. In the same light, it is SO easy to create a false image of yourself. Remember that most of what you see is the highlight reel, and that everyone has their own struggles. I will never pretend to be rich or perfect…because I am FAR from either. And what you should know is that you are not alone! I am not the only person living paycheck to paycheck…I am not the only person who can’t afford the designer heels…I am not the only person who is still getting their ish together. And y’all, we are ALL OK! And on that note, remember you are in your 20’s…you are YOUNG and not supposed to have it figured out.
How do you stay on track when your expenses are off the charts? I am always looking for new advice.
This post is not sponsored.
If you follow on Instagram (@coffeewithkylie) you know that Joyce Meyer was in Tampa this weekend! For those of you who don’t know, Joyce is a non-denominational, Christian pastor and founder of Joyce Meyer Ministries. I grew up listening to Joyce on TV, and have heard her speak live on multiple occasions in my adult life. And let me tell you, she NEVER disappoints! I attended both Friday night and Saturday’s sessions, and as a result entered the weekend feeling so refreshed and renewed, and just filled with the Holy Spirit. And there’s no feeling quite like that!
In our time with Joyce, she talked about hope…and how biblically it is the firm belief that something good is going to happen. Our hope in God is not considered desire, but instead it is knowing that we will be blessed. And refusing to give up until we are…giving all the glory to Him in the end. It’s like the age old saying, “where the mind goes, the man follows.” If we are living in fear or meditating on failure, we are sure to fail time and time again. It’s not until we give it up to God, and fully trust in his promises, that we may find peace and receive His blessings.
With that being said…live a life you love. We were not created to simply “get by,” but to love our life, and live it to the fullest! On Friday Joyce said to get rid of the word “hate” in your vocabulary, and I clung to that piece of advice. Instead speak of what you love, and watch your life be transformed. On the same note, stop speaking words of death over yourself, your life, your family, etc. I know I’m guilty of this… You might hear me say “I have too much stomach fat,” “I’m always broken out,” “I make no money,” “I have the worst anxiety.” I guess you’ll learn a little bit about my insecurities here… But that was before! Not anymore. I am choosing to declare positivity over my life! I am on my way to a flat stomach! The Lord is blessing my finances! And so on and so on. Won’t you join me?!
Another thing Joyce said that really, really stuck with me…if you’re led by the Holy Spirit, you don’t wish, you maximize your potential. Take a second and read that over again, because it’s good. Man, oh man, is it good. People, this is permission to stop trying to be something/someone you’re not! Stop wishing you had certain talents you don’t. Because if you divert your attention from others and onto yourself, you’ll soon realize all of the talents and great qualities you already possess. And you’re far more likely to create a life you love if you’re focused on maximizing your strengths, not dwelling on your weaknesses.
After just that little taste, are you surprised my weekend was great? Al and I left with smiling faces and hopeful hearts, ready to really enjoy the rest of the weekend, and the down time we have together! Which means we ate at some of our favorite restaurants, obviously binged watched a little Scandal, and finally…we napped (I know, we sound really exciting…). There’s nothing wrong with taking it slow every once and a while!
For my Tampa people…here’s the scoop on the restaurants.
First off, Bartaco… It’s seriously our new obsession. It’s basically a bunch of mini plates that you order multiple of to either share with the table, or down yourself. Alex and I obviously get our own stuff and down it all. I’m a pretty plain eater (and a creature of habit) so I always opt for two cheese quesadillas (which have like taco seasoning or something in them…I don’t know but it’s great) and a bowl of the grilled corn, off the cob (which is mixed with another kind of taco seasoning AND feta…I just rocked your world). I like to peel open my quesadillas and split the corn between the two, but that’s just me. Alex is far more adventurous and prefers the portobello and duck tacos. Sounds terrifying to me but he loves it. This weekend we did something special and concluded our meal with the key lime pie in a jar… Key lime pie is my weakness. It was amazing.
And then there’s Cask…Their everyday menu is referred to as “comfort cuisine” so imagine unique, semi-southern dishes and ample use of the frier. This puts me outside of my comfort zone a bit, but their brunch is where it’s at! My favorite dish is the three fluffy pancakes with maple syrup and fruit on top (a classic), but they’ve got biscuits and gravy, chicken and waffles, and many other meal options. Not to mention bottomless mimosas, which you get for $20 until 4pm even if you want to drink, leave, then head back and drink again… It’s a one time fee! Talk about Sunday Funday…
Hope y’all enjoyed your weekend as well!
Outfit 1: Top – H&M old; Jeans – American Eagle old; Sandals – Wet Seal
Outfit 2: Dress – Wet Seal