Mindsets

Don’t fall into the myth of consumerism. Enjoy life, Experience things, Let yourself be happy rather than seeking the next thing to make you happy.

“Happiness is a myth. It was invented to make people buy things.”

Karla in Shantaram

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What Matters (Shared from Corbett Barr at Fizzle.co and ThinkTraffic.net)

If You’re Running Out of Motivation or Feeling Lost…

You have to remember that there are more important things than work. Find joy in people and experiences and that will help keep you motivated to do your work, whatever that may be. Remember what is important to you, because that is what makes you who you are, not what you do.

Read Corbett’s List… Remember what Matters.

Corbett’s Full “What Matters” List

  • Be happy
  • Be active daily
  • Cultivate friendships
  • Don’t work too much
  • Say what you think
  • Don’t ignore your dreams
  • Balance: past / present / future
  • Make new experiences (travel)
  • Take on challenges
  • Earn, save (don’t spend), invest
  • Appreciate and show gratitude
  • Enjoy: food, art, music, meditation, sport

Have an Awesome Day!

Four Things to Do As You Start Paying Off Your Student Loans

You know where you want to go but you don’t know how to get there.

You’ve graduated from College. Congratulations! If you’re like the majority of American twenty-somethings you have some debt. First off, don’t get discouraged it’s not the end of the world. Many people have debt and many people have gone before you and paid off their debt and have done it faster than you could imagine. This article will go through Four big things you should do as you prepare to pay off your debt. Get ready, Get set, Let’s Go!!

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Managing Student Loans when You Have a Low Paying Degree

Great, well thought out advice. Common sense to some people but ground breaking to those who need to hear it. If you have student loan debt or you’re entering college… Read this Post from ApprisenMoneyMinute.com

Apprisen Money Minute

I recently wrote an article that asked if a college degree was worth the cost. The answer turned out to be that for the vast majority of majors, the answer is clear. A college degree is a very good investment. However, I also noted that, for some who choose a degree in a low paying major, the answer was not so positive. Some unlucky few of them will struggle to make as much as a high school grad without a degree. What kind of majors are we talking about? Primarily we are looking at students with degrees in the arts and social sciences. The following list from payscale.com shows the degrees with the lowest starting salaries:

Field of Study2013 Annual Salary
Theology$34,800
Special Education$33,800
Animal Science$33,600
Social Work$33,000
Broadcast Journalism$32,700
Exercise Science$32,600
Elementary Education$32,200
Child and Family Studies$30,300

I tend to…

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Why Should I Start an Emergency Fund and How Should I Start?

Saving money…

Why should we save money? Why would anyone put aside money that they could use today and just hold on to it for some future day? It is a fair question. We may sit back and think about the possibilities of getting hit by a bus tomorrow and never being able to use that hard earned cash we worked so hard for.

Is saving your money worth it? YES, of course it is! The likelihood of me getting hit by a bus or any other random unfortunate circumstance in which I do not need money in the future is very unlikely. However there is a chance that I may need that money. Many of you reading this will change jobs many times throughout the course of your life. You will have car repairs and house repairs and children and all sorts of things happen that cost money. If you have budgeted to find out what you should spend monthly, these expenses will most likely throw that budget off. This can be infuriating and incredibly stressful!

If you would like to live without that stress or at least a lot less stress. You should definitely start an emergency fund. Listen, it is dangerous to sit there with your head barely above water and just hope you don’t take on any extra baggage. When you set up an Emergency Fund you will be prepared to handle these bumps in the road and then they will be nothing more than that, bumps in the road.

In order to give yourself the right amount of cushion you should think about how long you believe it would take you to find a new job if you were suddenly fired tomorrow. If you believe that is a month, save up equal to a months salary. Do this for whatever you think is your timetable and get started. This way you are able to survive possibly the biggest bump in the road possible. Losing your job! Its still stressful but it won’t be the end of the world.

How to start filling that emergency fund? Start today! Put any amount of money in a separate part of your bank account separate from your checking. Set a goal to make it to a month’s wages in the next six months, divide that out amongst your paychecks and put in a certain amount of the next six months pay.

“Start building your emergency fund today.”

In just six months you will be a much better prepared, much less stressed person and then you can think about funding that money you’ve been filling that emergency fund with into long term savings!


 Beer Review:

Burton Baton from Dogfish Head Brewery in DELAWARE!

burton baton Double IPA
burton baton Double IPA

The Burton Baton is AMAZING… I may be biased because I love IPA’s but this is a wonderful IPA. It’s strong at 10%. The Burton Baton is Oak Aged but that flavor does not wash out the rest. Great crisp Northwestern Hops combine with hints of citrus and vanilla just to make your mouth happy. If you have a chance grab this beer. You won’t regret it if you’re an IPA guy or gal!

Thanks so much for reading!

Blessings to you All!

Spend Less and Be Happier With What You Have

Today I just want to drop in a quick note. I have always been very interested in the minimalist ideas and simple lifestyle. I myself have never committed fully to it but I believe that there is a lot to learn from cleaning your life from clutter.

As this New Year is still in its youth I want to make a commitment to clean my life, apartment and finances from unnecessary clutter. I would love to document some of this on the blog as well. Life has been busy lately and I have not been posting with much consistency but I will try my best to show changes I have done and how it all works out!

What I’ve done so far this year to change financially. I have started contributing more money to my Student Loans of which I have approximately $30,000 to pay off and plan to pay it off in four years. I also have cancelled the Data on my phone plan, saving $15 a month and change my Gym Membership which saved $80 a month.

Hoping that your having a great start to your year as well!  Happy tax filing, hopefully you have already filed!

Three Ways For You to Be More Productive This Year

Three Ways You Can Be More Productive

Have you ever woken up in the morning with no drive, no motivation? Ever wished you could get more work done? Many of us struggle each day to get things done each day and feel as if there is never enough time in the day to get everything done. If you feel like you are constantly behind and seeking to catch up on life, try some of these tips out for a spin.

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