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Sadie's Story

Feel inspired, confident and empowered to design the life you want to live.

Sadie QS Creative Author Founder live your best life through intentionality

By Sadie

This content may contain affiliate links. If you purchase through these links I may receive a commission at no extra cost to you. However, I only recommend products or services that I genuinely like and trust.

I want to share a bit of back story on my upbringing. I’ve come a long way, and in reality, the first 19 years of my life were vastly different from the following ten (I’m 29 now). I grew up with my single mom and my sister and we were always broke.

Because of my upbringing, I was super shy, lacked confidence and didn’t have any self-worth. I was ultra-accommodating and didn’t have boundaries. My mom was probably focused on keeping the household running but I wasn’t involved in a lot of social or confidence boosting activities. I had two friends’ houses that I would go to regularly but other than their parents, my mom, I didn’t have many mentors in my life. My mom was really hard on us and we got in trouble a lot. My mom really got upset and would overreact at us being normal kids. She didn’t have the patience or take much time to teach us stuff, she just got mad at us for doing it wrong. We always felt like garbage and we couldn’t get anything right. Our behavior was absolutely reflective of trying to lay low, not draw attention to ourselves, and not do anything wrong. 

This really impacted our sense of self-worth and confidence. This made gaining independence, finding my identity and “keeping up with the Jones’s” pretty much my life goal as a child and teenager. I knew I wanted to make good money and have a job with benefits when I grew up because I never wanted to be broke. We weren’t taught about money, business, or regular responsibilities beyond chores, so I didn’t even know what I would need to pay for if I moved out. I didn’t know who we had to pay for a heating bill and I didn’t know you had to pay for garbage, water, or taxes.  What I did know is that if you had debt, you should keep cash and avoid putting money in your bank account or “they” will steal it.

My Intro to FI

I discovered the FIRE movement around June, 2018. I am particularly interested in FI, and less in retire early aspect. I’m a millennial, finished grad school 2 years ago and have started my career with $1,200 in the bank, an RRSP valued at $7,000, student loans and a car loan, for a vehicle my partner and I purchased in 2017 (to reward ourselves for finally being done school). I know, right? Ugh… But we thought we we’re doing pretty well.

My partner and I have fairly modest incomes. We’re are at the debt payoff stage, but we also have a combined $29,000 between our savings and investing accounts. We are currently only contributing minimally to these accounts until our debt is paid off. However, since I found FI during the summer 2018, we’ve increased our net worth by ~$56,000 and since January 2019 alone, we have increased our net worth by ~$32,695. 

If you were to include debt as part of our savings rate (as it would go toward wealth building once were finished paying off debt), our savings rate is approximately 45%.

2018 was a year of transformation and realization for me. 2019 I began to chronicle my insights and findings though living intentionally. Over about 10 months from September 2018 until July 2019 we made a bunch of conscious decisions to align our spending with our values.

 

  • We set up accounts and started investing for retirement;
  • We subsequently fired our financial advisor and transferred our investments to Wealthsimple, saving on fees;
  • Established a sinking fun in my checking account (now I pretend that $1,000 is the new $0);
  • Started saving for large expenses like traveling, car insurance and maintenance, holiday gifts and emergencies;
  • Signed up for a library card and have (mostly) gotten over my desire to buy new books. I read a TON more than I used to when I used to buy books to read later;
  • Traded in our phone contracts by buying out our phones and signing up for Public Mobile, saving $120 per month;
  • Opened up a credit card in my husband’s name to improve his credit score;
  • Increased my credit limits to lower my debt to credit ratio;
  • Went from two vehicles down to one and learned to carpool, saving about $140 per month plus maintenance;
  • Traded in my 45 minute each-way carpool commute for a job where I can either bike to work, or get dropped off on the way when my husband drives to work, saving about $175 on gas and reduced our mileage like crazy;
  • Cancelled Amazon Prime and saved a mere $8 monthly, but much more in the number of purchases we’ve skipped since then;
  • Started a side hustle as a Facebook Community Manager for an online blog/podcast, bringing in $200 USD bi-weekly;
  • Started a blog, which has been a super fun and has added value to my life in terms of learning new skills and trying new things. The goal of the blog is to consistently improve my own life, documenting it along the way, and encourage readers to discover their personal values so that they can focus on what’s important in their own lives. My mission is to leave people feeling confident, inspired, and empowered to design the life they want to live;
  • Personally, I use my left over fun money to try out DIY investing in index ETF’s with Questrade.
  • The need to identify what adds value to your life.

Since then I have really focused more on the philosophy of FI and how so much of it actually has not much to do with money at all. This blog is sort of a reflection of that. There is a responsibility and security component to having your finances in order, however the theory of FI has made me feel empowered to make decisions and design my own life in every other way.

Also regarding the fi lifestyle, I’ve been thinking and writing a lot about what my ideal retirement looks like, and what I can start incorporating now. I’ve been focusing on health and getting outside, taking up mountain biking this year. I’ve also been feeling dutiful about sharing the “lightbulb that went off” with others. I want to share the importance of setting goals, identifying your passions and hobbies and pursuing them and not letting life pass you by. Also to come up with accessible ways to trigger a sense of curiosity and get young people who know nothing about personal finance interested and informed on the subject.

You see I’m trained in community development and urban planning, but I have a passion for helping others realizing their true potential. I went through my own journey of figuring out that I can achieve whatever I determine to be priority.

I started a blog to document my journey and have some accountability but I didn’t think I would putting my efforts on display for the world to see. All on my own I taught myself how to budget, how to stick to the budget, figured out how to pay off a bunch of student debt, learn to invest, boost my credit score, how to build wealth and diversity my income by creating a location-independent business. I learned that happiness was more important than money, and figured out what does make me happiest. I figured out what my dream job looks like, and how I can contribute to the world – by helping women see and act on their potential; to believe in themselves and stop selling themselves short. I still work full-time in planning as a reliable career and source of income but I have the energy to create and do many things that will contribute to my life-long happiness. And those things that may not work out, I’ll learn from them and keep pursuing what feels great to me.  

My Career Story

I got my degree in Recreation and Tourism Management, leaving with a student loan debt and a job that paid about $10.50 CAD per hour. A year later my boyfriend graduated with his degree and was successfully able to bring in some cash over the summers but was laid off one September after the next. Not only that but the work he was doing required that he rent a suite out of town, so it was costly, h spent most of his time away, and wasn’t fulfilling for him. He wasn’t in a place where his contributions were valued. I had finally settled on a job at a car dealership paying $15 per hour because it was the highest paying job I could find. A year later I enjoyed the work but disliked the work environment. Everything was “an emergency” and most people were rude.

I applied to do my Master of Community Planning Degree at my local university. I applied to the program after the application deadline but it was the very first year the program was introduced and for all I know they didn’t have enough students…I knew I had to make an impression. I called the shuttle service driver and on my lunch break had him drop me off at the university. The school was built on a big hill so I marched my butt to the top as fast as I could to the office of the woman who supposedly started the program and reviewed applications. I basically told her I’d been applying for jobs in this field and not getting them (obviously) and I was going to keep applying for this program until I got in so I hoped she would consider that in reviewing my application. She was super friendly and we got going about why I wanted to be in the program and the volunteer work I had done in previous years that contributed toward this field. Then I called the shuttle guy to come pick me up and back to work I went.

A month goes by…we’re just in waiting mode and I received a letter that I had been one of 24 students who successfully received acceptance to the program…from something like 165 total applications. I was floored. I was so excited and I kept it a big secret for a few months, up until about a month before I had to leave my job to head to school. It just didn’t seem real and I sort of felt like it could be taken from me, so I didn’t want to get my hopes up until I started actually having to buy materials for the course.

So 1.5 years of school went by and I had obtained a student planner position at a small local government an hour away from home, and a permanent position five months later in a different municipality, a 30 minute drive from home. In June 2017 I received my Master of Community Planning Degree with distinction and was gainfully employed.

Time to "Adult"

I’d heard about people who go away to work, make a bunch of money and then come home and spend it all. I had family that did work like this and it got them into a lot of trouble making large purchases and taking on huge debts. Many of these people have been humbles as they lost so much and are doing their best to make ends meet. Now that I was gainfully employed I didn’t want to mess up my finances by over spending. That was my way of acknowledging lifestyle inflation…I just didn’t know exactly what it was called at the time. I didn’t want to buy a house just to be house poor or sign up for a bunch of large purchases that take years to pay off. I wanted to learn how to ‘adult’ and get my shit together.

My Partner "Struck Gold"

About half way through my Master’s program my partner accepted a temporary position with a local robotics company (outside his field of education) in the off-season when he was laid off. After six months they offered a permanent position. 

. He absolutely loved the work, the people, recognition for his skills and efforts, and the flexible hours: 4 x 10-hour shifts (starting and finishing whenever he wants) with a 3-day weekend every single week. The pay wasn’t the main draw; it was that he finally felt like he wasn’t going to work every day. He enjoys it, is good at what he does, and he has 3-day weekends. I will be likely be working for a very long time before I can negotiate for more days off.

That Time I Didn't Have a Budget

Since I got my permanent position and my partner was permanently employed we had money coming in like we hadn’t before. We did buy a brand new vehicle that summer. We love the vehicle but if I were to do it again, I would buy a lightly used vehicle rather than a new one (based on my values around money). That took up about $285 CAD cash flow every two weeks not including the warranty. Yikes!

However there was still money left over (keep in mind I had graduated one month earlier, and you are not required to pay back your government student loans for six months after you graduate…so I had no idea what my student loan payment might have been, nor had I considered it.

I realized that we had purchased a brand new toy, which we loved…but I kind of hated how much we were paying into it each month. It felt like our life might be on hold for five years. I decided I wanted any extra money (above and beyond our regular expenses) to go toward retirement. I had done a bit of research on financial advisors and the types of bank and investment accounts you can have. I had a high-fee mutual fund with RBC at the time but I wanted to take it more seriously. Also, I really didn’t like the conflict that financial advisors are commissioned for selling you different investments. I’ve worked in sales so I know that you commission earned has nothing to do with product quality, so people are incentivized in a way that does not benefit the consumer…but your livelihood depends on it.

I interviewed one financial advisor I was recommended and left feeling dirty. It sort of felt like he was thrown off that I had done my research and he kept telling me not to worry about the fees and showed me what insurance was a MUST and how much I’d make in the long term (spoiler alert: much less than if I did DIY investing, or used a robo-advisor).

I set out to interview a fee-based advisor. I was much more satisfied with the quality of advice I received. But again, he wasn’t able to explain to me a number of things so that I could actually understand what he was talking about….and I had done a ton of research at that point so it wasn’t for a lack of trying. It’s like he couldn’t answer my questions, but he was still trying.

However, this fee-based advisor was willing to help be figure out a budget and come up with a plan of attack rather than just sell me things, and I appreciated this. He focused on student-loan debt and contributing to our RRSP’s (registered, tax-deferred, retirement accounts). I though this followed good general principles so I decided to invest with him. Before I decided to do this he made it clear that the money could be re-invested elsewhere if I ever chose to do so. This lasted a few months but I kind of hated that I had to email my advisor every time I wanted to contribute above my automated amount. I hadn’t actually budgeted or wrangled my spending yet so there was lots of money to be found as we ate out less and I bought less clothes. Despite this frustration I stuck to it, and emailed him every time I wanted to make an extra contribution.

My student loan payments kicked in (we had about $40,000 CAD combined) and I quickly became obsessed that we were paying $7 daily in interest on those loans. I HATED paying that interest. $7 per day are you crazy! I decided I would no longer buy take out coffee or fresh baked goods daily. I’d see maybe an extra $50-60 per month out of that. It made me think with these student loan payments and the car payment, I should really start figuring out where my money is going and see how much we have to spend with discretion each month. I thought it was really close to zero and I was worried we over-extended ourselves.

Learning to Budget

Eventually I started budgeting on my own spreadsheet. It was in excel and actually a good friend (who was also my boss at the time) sent me the spreadsheet she uses as a template.

I played around with it and just couldn’t get it right. I tried doing a bi-weekly budget, monthly budget, and then eventually I created a spreadsheet where I wrote down every day and just entered my daily purchases in there. But, sometimes the bank delayed which day purchases were made, I had wayyyy to many categories and honestly I was so confused and hated it. It wasn’t a reliable system and at this rate, definitely not sustainable. Math isn’t my strong point. I needed something intuitive and this just wasn’t working for me.

After listening to different podcasts, I discovered “You Need a Budget” (YNAB) software and my life changed. I did the 34 day trial, and then decided I’d pay for it since my change in behaviour from trying to budget had afforded me a little breathing room, and would pay for itself in the first month. I think we paid around $105 CAD ($85 USD) for the year or something like that. At first I put in all my same categories and it was STILL hard. I eventually came across something that suggested I lump categories together. For example “our needs” could consist of haircuts, new shoes (if replacing), or a new tube if our bike got a flat…things like that.

Figuring Out Where Out Money Had Been Going

Once I got set up with simpler categories I felt way better and I was off to the races. I was all of a sudden empowered; in control. I could set a plan for how much I would spend and know how close I was to reaching my monthly spend.

The thing was that I started noticing all of the extra little purchases that had been made. How was I supposed to categorize all of these things I was buying that I never noticed before? Cute work shoes (I admit it wasn’t a need), muffin from the grocery store (groceries or fun money?), this seasons nail polish colour (might wear it three times), or new weekly planner from Chapters because I need to hustle (usually gets used for about a month)…I began to realize the chaos. Shopping had been my hobby and what I turned to when I felt at a loss.  It was comforting and I was used to having what I wanted. Who was there for me when I needed it most? Shopping (or ice cream). Not anymore. I found the culprit…it was me. And for weeks I’d been giving my boyfriend heck for walking to the gas station and spending our hard earned money on chips and iced tea. I was offended that the problem was pretty much…me. We needed a solution.

Freedom in Fun Money

Fun money – We now have a set amount per month dedicated to fun money. You can’t go over, and if you don’t use it, it builds up as “fun money savings”. Hubby is saving for computer parts, buys some beer each week, and I have no idea what I’m saving for yet.

But it makes my budget predictable. I can plan how much we will spend in a month and mostly come in under budget. Occasionally we allocate something to our “unplanned wants” category, like a new tent just for hiking. Big ticket items that add to our quality of life that we didn’t budget for. Mostly we try to keep those purchases in our fun money category. Now, I hardly spend. I am picky about how I spend my own personal money and it gets me excited to see how much is left over at the end of each month, which I end up investing. Pretty much all discretional spending comes from these fun money categories, except said “unplanned wants” category and sometimes we splurge on groceries.

Knowledge is Power

Now that I saw where my money was going and made desired changes, we ended up with around an extra thousand dollars per month to play with. This is after thinking we were over extending ourselves from purchasing our Subaru Crosstrek, among other things. Its key here to point out that the $105 CAD YNAB software was not saving us ~$1,000 per month. This comes from stuff like buying chips, nail polish, eating out, and buying unnecessary household items and upgrades. As a result we have less junk (including in our diets).

We bumped up our student loan contributions a bit, started investing in retirement accounts (with my advisor), saving monthly for large purchases such as holiday gifts, auto maintenance/insurance and building our emergency fund.

The FIRE Movement

I started researching how to be good at personal finance and stumbled across these folks who got excited about being in control of their finances, and…savings rate. What? Okay…

I had downloaded some personal finance podcasts and listened to Jessica Moorehouse’s Mo-Money podcast episode with Gwen Merz about fire-ing in your 20’s.

I remember this very distinctly, it must have been summer 2018 and I was on a walk on my lunch break and I was totally zoned into this episode….hearing about house hacking and doing this because you wanted to, not because it was a burden. I know it seems soon, but the fire had spread. I knew I was hooked. 

I heard that Gwen had her own podcast with a girl named J, called the Fire Drill podcast (Gwen has since left the podcast to pursue other adventures). I downloaded a bunch of Fire Drill podcast episodes and I was obsessed at this concept. At the time we had a net worth of about negative $70,000 and I felt like I had discovered the holy grail of getting your shit together.  How does no one else know about this?

After discovering YNAB and lumping a bunch of my categories together to create simplified categories, I started having extra money in my bank account and the momentum was building.

The Learning Curve and getting 1% Better Every Day

I was feeling really conflicted about having to get my advisor update my auto withdrawals every single time I changed the amount I wanted to contribute or where my focus would be this month. It was frustrating…I wish I could have just moved stuff around on my own.

After diving deeper into Financial Independence and investing, I ultimately decided to go with a robo-advisor called Wealthsimple.

I had used a referral code, and set up a few things (like auto-deposits and two-step verification for increased password protection) to receive $11,200 managed free for one year. So when I signed up I figured, at the rate I was learning, I could at least transfer my account for free and then have a year of funds managed free until I figured out my ideal scenario with investing.

Did I want to stay with Wealthimple, another robo-advisor, or begin DIY investing? Long story short, I still LOVE Wealthsimple and the app layout. It is so easy to use and accessible. Can you believe I actually had FUN reviewing my investments?! Also, since my first year of management was free, the upward move in the market was amplified. I mean, I didn’t have too much money in there yet, but I could see it grow…with only a few thousand dollars…and it was so exciting!

I recently started experimenting with using Questrade investing in VGRO with my extra “fun money”. I’m looking into a REIT index to invest in next.

Side Hustles & Increasing My Income

From there it was this continued rabbit hole of research, inspiration, planning and motivation. I discovered the idea of passive income and wanted to try to create it somehow. I also discovered how easy it is to do side hustles to supplement your income. I was also attracted to the idea of creating with an income that was location-independent.

Over the winter months being a student I was in the habit of keeping busy working at the mall over the holidays. November was rolling in and I felt the itch. I love the holidays so working at a shop, which I had done in the past, allowed me to be surrounded by festivity through the season. Over the past month we decided to go down to one vehicle though, so I had to find something with that consideration.

Serving at the Bistro

I went to drop off my resume at a Bistro about a 5 minute drive from home and was hired on the spot. It was something I’d never done before. However, it still ended up to be a lot of work to make it happen in our already busy lives. Kev had to take a short lunch so that I could pick him up earlier to make my shift at the bistro without a chance to eat dinner. Plus my mental bandwidth (mostly for happily serving the public) was already depleted by that time of day. I’m fairly introverted so quiet time recharges my batteries, and my day job is already in a public service role. 

The job was fun but they had a lot of staff turnover and wanted me to work way more hours in a week than I wanted. After discussing this with my manager, how I was wanting to work maybe 2-3 nights a week to help fill in for holiday coverage or busy periods, they still kept scheduling me for a minimum 4 nights per week because they didn’t have anyone else. Needless to say this month and a half of work added unnecessary stress to my life and it just wasn’t worth it. It brought tension home and it wasn’t adding value to my life. I was really cognizant by this point that if I was going to put my effort into a side hustle it was going to make my life better, not drain my energy so I can’t live the life I want.

Social Media Community Manager for a Major Podcast

I ended up managing social media accounts for a major Personal finance Podcast on the side, which I still do and enjoy! This came to be in an interesting way. I am a huge fan of the podcast and they posted an ad looking for a “Senior Editor”. I responded to the ad. I emailed with a bit about my story, how I know I am in no way qualified for this position since I had never done any freelance work or writing for a blog before.

To be honest though…after listening to all of the above podcasts, I REALLY wanted to start a blog to document how far I had come. We had made a lot of BIG decisions toward bettering our financial situation and I wanted to keep the momentum going by tracking our progress.

Plus, while it was hard to make these decisions, it wasn’t very hard to take action and change our habits. So, what if we could inspire someone to better their own life and finances? This resonated with me.  I knew I wanted to start a blog, but I had no idea where to start. At the time this podcast was “celebrity level” to me. I had been listening to this podcast every single week for months and what if I could help them and learn at the same time?

I offered to volunteer in exchange for their willingness to teach me some skills and mentor me. They told me to apply anyway and they would keep an eye out for my application. It took a few weeks and I was so excited but was trying not to obsessively check my email every couple hours. Eventually they offered to pay me if I managed their social media page and community. I was stoked! I even had experience doing this! I had my first side hustle that aligned with the work I wanted to be doing, and was location independent. I’m probably underpaid for the work that I do but I don’t really have a way to tell, so I’m happy for now. However, the job technically still wasn’t very blog-related.

Working for Myself: Blogging

I started writing on a WordPress-hosted blog (the .wordpress.com kind) because I still wanted to try out blogging and I had a lot of thoughts and ideas I wanted to jot down. It was hard for me to take this blog and creating content seriously when I knew nobody was seeing it.

My purpose couldn’t be achieved if I wasn’t helping anyone, or didn’t have the ability to educate people about their options and that they can do to take control! I want people to feel empowered to take charge of their lives. My blog wasn’t going to be able to do that if it wasn’t hosted. I had been doing a bunch of research over a few months, on blogging specifically, and then took a bit of a break because, like I said, there wasn’t the same fulfillment knowing I was the only one looking at the content I was producing. Some time passed, I got busy with switching to a new full-time job in the planning industry, but closer to home on July 3rd, along with planning our Wedding which took place July 15, 2019. While all of this was going on our net worth was plateauing as we breached wedding time, but I was still consuming content like crazy (podcasts and reading email newsletters from blogs I loved). 

During this busy time a bunch of bloggers I loved and trusted started firing out emails and writing blog posts in support of this new “Blogging for Profit” course developed by Julie from Millennial Boss/Fire Drill Podcast and Cody from Fly to Fi. There are well-known and high-reputation bloggers, podcasters and overall side-hustlers in the world of media that I consumed regularly. Maybe it was a sign, maybe it was marketing, maybe it was FOMO but I felt like this opportunity was opened up just for me. The fact that I was getting married in two weeks aside, this was pretty much the perfect timing.

I would have a bunch of time after no-longer having to coordinate everything from the wedding, and I had funds received from my social-media side hustle sitting there waiting to support further “wealth building”. I was stoked. I started the course in July and was exciting to be pushing out content shortly after. I’m still not finished the course (it’s meant for you to go at your own pace), and I still have a lot to learn, but I am feeling more fulfilled and passionate about QS Creative than ever before.

Simple Changes Can Drastically Improve your Life

Overall, I’ve been trying a bunch of new things to see what ‘sticks’ and adds value to my life. I realized there’s opportunity everywhere, a lot of the things I was doing are super transferable for others, and I wanted to chronicle my journey. I want to educate and inspire others how thinking just a little differently can have a huge impact on your overall life satisfaction.

Living your best life is so much more than finances but I believe that by having an emergency fund and feeling secure, you are open to take advantage of new opportunities as they arise. I’m in a place now where I see opportunity all around me. In fact, I need to ensure the opportunities I take advantage of are in line with what I find absolutely essential, and say no to the rest.

I want to help others get to where I am now, if not to take action to improving their lives in many other ways. When I was a kid I didn’t have a lot of good mentors, yet, when I did as I got older, it had a huge impact on my motivation and likelihood to take action.

I became a lifestyle blogger because I want to challenge, support and encourage you to reflect on your life, visualize big dreams, use available resources and recognize opportunity so that you can execute your ideal life. We can all do this if we identify what our priorities are, have an open mind, and begin taking action.

Anything is Possible if you decide it is a Priority

While I truly struggled with knowing what and who I wanted to be when I grew up, I somehow learned to have a growth mindset. This has allowed me to feel like I have total control over my choices and life. I’ve always been a planner, creative, and very goal oriented. Sometimes I struggle with execution, but hey, who doesn’t from time to time. My mind is always going 100 miles per hour and I am a person who frequents their “list” app on her iPhone, plans big projects, goes all in on commitments and is constantly striving for self-improvement. It was only the last couple years that I started to set boundaries and truly recognize my self-worth and acknowledge my limiting beliefs and how far I have come.

It was only mid 2018 when I really decided to look hard at my own finances, start tracking where my money is going, and when I started to feel like I could live whatever life I designed for myself. I have crazy big goals! These goals could not come to fruition if I didn’t feel some strong sense of confidence and freedom through financial security.

My husband and I were $65,000 in debt when I first decided to check our net worth in January 2018. Further, by that point we had already been paying off student loans for more than 4 years, and had purchased a brand new car in June of 2017. We are STILL not above zero net worth, but we are making huge progress having increased our net worth by more $32,500 (January to mid-November 2019), despite getting married on July 15, 2019. Keeping in mind, my husband and I make about $95,000 pre-tax and take home about $70,000 annually.

My husband and I are average people with average paying jobs, renting in a decently high cost of living area that isn’t walkable. The average price of a single family home where I live (Nanaimo, BC, Canada) as of May 2019 was about $689,380. We went from no cash savings and having to “take breaks from spending” to pay off our credit card bills, to having a small emergency fund, a number of other savings accounts for medium to long-term goals, investing for retirement and feeling like we can take unpaid days off work if we don’t want to miss out on an opportunity that’s important to us, such as visiting with family.

MANY are well ahead of me, but I’m on the path of living my ideal life.

While I do have some serious goals around savings and spending intentionally, I am striving to get to a place where I can think about money only a little; to check up on it more than anything. I see money as a tool to help us pay for things we need and that we feel would add great value to our life. In my life this means spending more on experiences and less on things. I often ask myself this: “When I leave this earth am I going to be satisfied with the life I’ve lived? I no longer wait for things to be the right time or place to do what I want. I build it into my everyday life.

My WHY

I not going to lie, I struggle on and off with feeling of being “good enough” to write a blog? My biggest fear is that nobody will read it. It’s discouraging, but I know I’m not the only blogger who struggles with imposter syndrome.

What helps, is that I am okay with my life…with ME, enough to fail, and if I can even help a few people realize their dream life and take action on it I feel like I’ve succeeded. If even ONE person:

  • publishes the book they’ve always dreamed of writing;
  • makes a budget and stops living paycheck to paycheck so they can start a business or travel the world; or
  • starts being true to themselves and attracting quality friends, after years of trying to chase acceptance from others;

I will feel immensely successful.

Let’s help each other feel confident and comfortable in our own skin, and provide a place where we feel at home. Let’s live with a positive attitude and know that when we die, we at least got the best value and experience out of life we possibly could have. THAT is my story.

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