365 Days of Self Discovery: Wishes/Hopes/Dreams/Future

5.01.19

Day 21

What could you do to improve your finances in the future?

  • Make sound investments
  • be mindful of the income streaming in vs the income streaming out — don’t spend more than what you bring in
  • pay off loans/credit cards
  • necessities BEFORE wants
  • check band accounts often (daily)
  • take advantage of opportunities/career changes that could offer more income
  • make a passive income
  • have a savings and 401k for retirement and for emergencies
  • cut back on bad habits (dining out, expensive entertainment, subscriptions that aren’t in use)
  • buy thinks on sale or use coupons
  • keep track of spending/bills/receipts on paper or electronically 
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365 Days of Self Discovery: your Wishes/dreams/hopes/future

4.12.19

Day 2

What is one thing you have always wished for?

  • Hmm, possibly love ( a healthy relationship) and some form of financial success. 

365 Days of Self Discovery: Your Past

3.21.19

Day 14

What has been the most difficult time of your life?

  • Well, I have many difficult times, no worse than anyone else I am sure, but still difficult nonetheless. I’d say one of the most was when I was financially defeated, I was broke, literally living paycheck to paycheck, in college and outside of college, I was behind on credit card bills and hardly making payments, hardly making rent, I had no savings account (it got closed because it had no money in it for an extended period of time), I was getting bank overdraft fees constantly, I was maxed out on my credit cards (very high limits) and my debit card would sometimes get declined, so getting groceries was scary.. I mean I thought I was hitting rock bottom but after a while, it took a lot of sacrifices, etc but I made it through finally. 

Do you have a difficult time in your life that stands out? 

365 Days of Self Discovery: Your Past

3.17.19

Day 10

What mistakes have you learned from in the past?

  • How to make better financial decisions with credit card use
  • how important your credit score is when it comes to everyday life 
  • Not to allow family members to take advantage of you financially
  • Being happy with myself truly before involving myself in a long term relationship with someone else
  • Stand up for myself
  • Take risk instead of passing up opportunity due to fear 
  • Make more of an effort to keep in touch with loved ones and friends
  • Don’t do too much all at once — know your limits
  • Don’t change who you are in order for people to like you
  • Don’t be afraid to be honest about your feelings
  • Date someone who brings value to your life, instead of basing things off looks alone
  • There is nothing wrong with being single, no need to rush into a relationship
  • put yourself FIRST
  • Live below my means
  • listen to what someone has to say before deciding to react and then regretting it later
  • Walk away from relationships that hinder, scare, control or makes you feel less than your best
  • choose friends wisely and be cautious of whom you allow in your circle
  • Pray more often because you need help from a higher power more than you know
What are some lessons you have learned from mistakes you have made?

365 Days of Self Discovery: Your Past

3.11.19

Day 4

What is your biggest regret?

  • I have a few. I’ll be honest in saying the list is LONG and can’t decide which is worse at this point in my life. We all have made some mistakes in the past (even if you live with the saying, no regrets); you have made mistakes you aren’t proud of. I was young once — some would argue to say I am still young at 26 but I was naive and adventurous and wanted to live in my own world and listen to my own rules — maybe it was the wild side showing after so long of feeling as though I was sheltered from the “fun”. I don’t really want to go into all the regrets I have because some are kind of dark and more private than others, but I will mention that one of my regrets is applying for so many credit cards  — I mean I had like 6 and probably only needed one & I allowed the credit limits and my credit score get the best of me and made bad financial decisions that I am paying for now STILL! which is sad, because I didn’t see myself in credit card debit as my future, but it happened and now I have learned from this mistake. 
Do you have any regrets you want to share? 

365 Days of Self Discovery: Feelings & Emotions

3.06.19

Day 66

What is your biggest fear? Why do you think you are afraid?

  • My biggest fear(s) are being alone for the rest of my life (dying alone), dying in a traumatic way (car accident, murder, etc). never amounting to something and being at a constant standstill in my life (no investment in buying a house/condo, living paycheck to paycheck, having to work two jobs, not being able to afford traveling, no sense of self growth or accomplishment. 
I assume most people have a fear of something, no matter how big or small. What are your biggest fears — and why? 

365 Days of Self Discovery: Feelings & Emotions

2.05.19

Day 37

What causes you to be anxious?

  • Running late
  • Starting a new job
  • moving to a new location (new state, city, new roommates, etc)
  • traveling someplace new on my own
  • being in crowded spaces
  • having to make difficult decisions
  • not feeling financially secure or having to worry about finances/bills
  • driving in bad weather
  • weight gain, body fat increase (self image)
  • exams/test
  • failing at something
  • First dates
  • when I lose something important to me
  • when other people around me are having a bad day — & their attitudes toward me are negative
  • when people are talking badly about me in my presence.
  • being involved in confrontations
  • talking on the phone
  • adulting sometimes
These are are just a short list of things that cause me to be anxious. Feel free to add your own list in the comment section.