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My quick money story. Everybody has one, right? Some people are born into money, some are not. Some people make a fantastic income and still struggle to pay their bills. Others make an average income and live comfortably within their means. Not many people talk about money. It's a secret. It now comes and goes in several icons on our devilish palm-sized devices (see my love hate relationship with my phone here). Anyway, my money story goes something like this: - average childhood, that's my parents' story to tell, but I never really felt STRESSED about money as a child and I was taught some good sound financial principles (thanks Mom & Dad) -got into > 40k in debt in my 20's by living above my means, keeping up with the Joneses and making poor financial decisions -spent 4 years of my 30's GETTING OUT OF DEBT which looked like paying $1000 /month towards old credit card debt FOR FOUR YEARS STRAIGHT (ouch!) -now I am in my 40's and focused on saving for retirement, paying our house off, and avoiding unnecessary debts I say all of that to say: I am not certified in anything financial. I have read some books and followed some financial influencers over the years, and I am very entrenched in our family's finances. I am also learning from my retired parents about what it will actually look like to live on a retirement income. I am familiar with Medicare, pensions, social security benefits, Roth IRAs, and 401k/403b plans. I am not a day trader or financial wizard. I'm somewhere in the middle, and I think that is probably where most of my readers are too. I have had to have very frank discussions about money with patients over the years (financial stress can GREATLY affect one's health and cause caregiver strain with children of elderly patients). So I decided to write about it. Part of my passion for writing is speaking the truth and shedding light on everything that is making us all stressed and uncomfortable. Now that you know my purpose for this piece, are you ready??? Let's do this! My 10 smart money tips for anyone, anywhere:
Let's go through each Money Tip in more detail so that we have a better understanding of them.
PRO TIP: The pictures below are just an example of using my banking app to monitor my spending. You can see the pie chart is for ALL of my 2021 spending. Since I don't have a car payment, I divided my auto expenses by 12. That came to around $392. Since I know car insurance makes up around $200 of the $392, I calculated that I am spending around $172 / month on gas. This is just an easy example of using your banking app to see what you are ACTUALLY spending on categories in your budget. What you think you spend and what you actually spend are often 2 very different amounts. So do your research! It costs you nothing to look at your spending and it will give you so much insight to your financial health! I did not write this post to provoke guilt or shame about your spending or finances. I have had 40k+ in debt and I have felt that overwhelming burden. It's just part of my story, and I am no longer ashamed of it.
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I have been waking up before 5 AM consistently for 11 years. It started with necessity, nursing my child before work, but it continued for several reasons. When my firstborn was an infant, my stepson was eight. This meant I had to be stealthfully quiet as I woke the baby, fed him, spent some time with him, and then passed him to his daddy while I showered and dressed for work. It was a time before AirPods, and before I had discovered podcasts or Audible. Facebook was barely a thing. And phones in general were just not attached to everyone’s hands like they are today. It was in these near silent moments without technology, with only a cuddly warm baby in my lap, that I discovered the true meaning of quiet contentment. Just me, rocking my baby boy guided only by the white noise sound machine and gentle soft lighting. I wasn’t scrolling. I wasn’t comparing. I wasn’t wishing, nor was I regretting. There was no self-loathing. My job had not even adopted an electronic medical record yet, so working from home was not possible. I wasn’t paying bills from a little icon on my phone. I didn’t have 400 emails in my inbox, or at least I didn’t know that I had them. Just quiet. Just peaceful. Just two humans bound by DNA and love and touch and time. Fast forward to 2021 and that baby is in sixth grade. My stepson has left the nest and is thriving, and my youngest son is in fourth grade. My alarm still goes off at 4:30 AM, but I am alone. Yes, the house is still quiet like it was back then. The lights are still low. But things have changed. There is a technological miracle that fits in the palm of my hand now. It is full of red dots that quicken my pulse. There is a slick, silver, almost paper-thin computer that is full of lab results and refill requests and exam notes to finish. Now I know that I have 400 emails in my inbox. There are all these little icons in my hand that tell me I’m not good enough when I open them. There are ads everywhere that seem to call my digital wallet’s name. What happened to those early morning quiet moments? My eyes fill with tears as I type this. Yes, most mornings I participate in healthy self care such as prayer, Journaling, or mindfulness... but let’s be honest. If I choose to pick up this Fair-weather friend that follows me everywhere, I disappear. Those quiet peaceful moments disappear. I am not touching anyone. I am not gazing at someone I love and enjoying that feeling of togetherness and connection. This quiet house? Well it’s telling me it needs to be dusted and decorated. Those sleeping children? They need agendas signed and class party treats sent in and uniforms washed and clarinet reeds ordered. My husband may or may not be at work, but if he is did I reach out to him? And if he’s home, did I reach out to him? Oh wait- there goes my timer. Time to hop in the shower, put the bacon in the oven, get those boys up and moving. There goes my heart rate rising with each deadline and inbox item that crosses my mind. Oh, yes, I’m productive. I’m organized. Just ask all my friends and family. But is that the legacy I want to leave? ‘ She is so efficient. She can get it all done. Tears in my eyes again, geez. I would rather be known as Amy that helped me. Amy that loved me. Amy that made me feel important. Amy that I could count on. But most of all, Amy that I knew inside and out- between the lines and in the trenches. You see, getting it all done can be quite lonely. Have I been so busy getting it all done that I forgot to connect? Constantly looking at this lit up master that fits in my hand honestly makes me feel like crap. Yes- there are laughs and good reads hopefully like this one. There’s my longtime friend’s child or grandchild. The books and music and podcasts usually add instead of subtract. But all those red dots? I hate them. They steal little tiny pieces of me and I can’t really explain it. My children won’t know a world without the red dots, and that makes me sad. So here I am, on a rainy Wednesday morning, now voice-texting into this devilish device to create this message. I think it is a message for myself more than anything. Gosh these stupid tears. What is going on? I need to rewind. I need to go back. Back to the quiet simple peaceful mornings. I need to let go. I need to reach out even more than I need to let go. Who is with me? A fantastic human I call my friend gifted me with this poem this week. She didn't write it, but she knew I needed it. And now, I gift it to you. ☀️ safire-rose.com/books-and-media/poetry/she-let-go Have you ever woken up feeling icky? Or perhaps you felt great, but a certain conversation, text message, social media post, or group of thoughts evaded your mind and body and the icky took over? How do you know you're feeling icky? For some people it is a very physical response in the body:
For others, it is a very mental or emotional response in the mind. These might be thoughts associated with your icky:
So, now that I have been in regular therapy for almost 2 years, I asked my therapist about feeling icky: Me: what do I do when I'm feeling icky? Therapist: describe icky- what does icky mean to you? Me: I describe the first scenario since my icky comes out more physically than mentally Therapist: okay, then we have to focus on your body and reclaiming your body in that moment. If the adrenaline and cortisol have already dumped into your bloodstream from a fight or flight response to a "threat" you have received, then we try to calm that trauma response. Me: but does it matter what triggered it? what if I don't know what triggered it? don't I have to fix what is wrong in my life or situation to fix my icky? Therapist: Nope. And that's the beautiful thing. What caused it doesn't matter. I don't even care what caused it. We just need to reclaim your body at that moment. So, that changed my life. I repeat. THAT CHANGED MY LIFE. And I believe it can change yours too! See below for some helpful links on how to reclaim your body from a state of panic or unrest. Turns out, we CAN'T fix it with our thoughts. We literally have to MOVE our bodies out of it. What a relief! No wonder my brain is so tried from all these years of over-analyzing and overthinking, ruminating, and self-loathing. I wasn't even on the right road getting this *%#@ trauma out of my body! But now I am, and you can be too. Find a trauma-informed or trauma-certified therapist. Your life will change forever. |