I know I’m totally late on writing about the awesomeness of FinCon but I usually run late in life. So, this just keeps everything in line, right? ūüėČ

For those who may not know what FinCon is, it is the premier personal finance blogging conference. Since there is so much digital media, blogging has become a new way for writers to reach an even more vast audience. I love blogging because I find it can reach a wider audience than traditional media and many media outlets have taken notice of this. Companies such as Business Insider and USA Today have now established blogs on their sites they outsource to writers who started their writing careers by starting blogs such as this one.

While FinCon technically started on Wednesday ( even earlier if you participated in DigiCoLab or the XY Planning Network), I flew in late Thursday and met my BF and friend at the Sheraton San Diego Hotel & Marina located directly on Harbor Island. Along with beautiful views, it was amazing to wake up next to the water everyday and hang out while catching up with friends I only get to routinely see once a year. ( side note: I met BF at this conference years ago so we work along side each other at one of the premier events!)


BF and I at the closing party!


Thursday night was spent catching up at the Trade King Kick Off Party held at the Coasterra restaurant about a mile from our hotel. Friday was a bit busier as I had meetings in the morning but I left the hotel to enjoy a nice gluten free lunch with my blogging bestie Jana from Jana Says. BF tagged along but then we sent him on his way back so we could have a girls day of fun before a podcast dinner. Speaking of podcasts, we may have a secret one in the works and I’ll have to keep you informed as things are planned.

Jana and Athena's Day Of Fun!

Jana and Athena’s Day Of Fun!

Saturday was quite busy, as it was the last day of FinCon, but I crammed in as much as possible. I was on a guest on a podcast again this year, attended a session on traditional vs. self publishing, attended the Plutus Awards run though, hosted the Plutus Awards happy hour and live tweeted the Plutus Awards before the FinCon after party. The Plutus Awards is an exclusive awards ceremony where winners are chosen by their peers, all in personal finance. This is my fourth year helping with the Plutus Awards, which I actually do year round.

The Plutus Awards!

The Plutus Awards!

I have to say, this was probably my best FinCon yet and so far, I’ve been to all but one of them, with it being in it’s sixth year. While New Orleans was my favorite location, San Diego is definitely a close runner up. I’ll have more tips this week for attending a conference but I did want to say a few of my takeaways here:

Focus on relationship building. 

You never know who you are going to meet in your life, especially at conferences. I know plenty of people who have attended this conference along with others and now work full time for people they met while there. Along with working for others, some have met their partners ( I’m not the only FinCon couple!). So put down the phones and make some in real life connections while you can.


BF and I hunting for dolphins!

What can you provide for others? It’s not the other way around. ¬†

A lot of people like to say you are the average of the five people who spend the most time with and like to use this as a way to say you need more established friends. I don’t know if this is true but I do know the more friends I make in my life, the more inspired I am to be a better version of myself. But, asking what other people can provide you, such as a network or earning potential, is not a great way to make a new friend. I suggest working on yourself and being the example of a person who want to actually be around.

Be you. In a big sea, you are the only starfish! 

Sometimes blogging seems hard. We are all competing for the same clients writing about the same thing. *yawn* I totally get it but don’t let this deter you. You and I are both different people with different audiences speaking differently and using different examples with a common goal of educated others. There is only one you and you can shine no matter what if you just put your heart into it!

Don’t be afraid to try new things!

Honestly, I am probably the most scattered blogger on Earth. I come up with great ideas and then promptly forget them. I don’t spend time on what I need to and then feel bad afterwards. But, I realized a lot of it has to do with the fact I get bored and need to shake up my blogging routine, along with mediums I experiment with. Who says I just have to write? Along with starting a podcast, I’m also going to be looking into video and writing a course. Maybe writing isn’t your speed but talking is. Try new mediums and see what you enjoy! The world needs you!

Did you go to FinCon and have a blast like I did?


October Goals

My favorite time of year is here, Halloween!

Along with October hosting my favorite holiday, I also enjoy October because that’s when it finally feels like fall in the Southwest. I can wear pants outside and not die, as well as drive my car without oven mitts. That’s what a cheap cost of living will get you, insane weather.

Along with fun plans such as H coming to visit for a week, an adult puppet play and a taco festival, I also need to travel out of town soon to be there for my second family. My best friend experienced a tragic loss over the weekend so I plan on making arrangements to be out of town later this week or next. Life is so short you guys. Make sure you hug everyone and kiss them and tell them you love them .

  1. Decorate for Halloween/ Fall.¬†While I usually have my house ready to go by August 31st, I’ve just been so exhausted this year with my arthritis and other chronic conditions. I’ve caught up on some rest so I plan on decorating this week/ weekend. I love Halloween!
  2. Eat Paleo 80% of the time.¬†After eating strictly Paleo for three weeks then falling off the wagon, I can now say that I can totally tell the difference IN MY BODY. I’m not as achy or sore, hungry or tired. I lost five lbs without even trying and was still able to have things in moderation or by altering them. Now, I will tell you it’s hard to eat Paleo. While my grocery expenses have happily stayed the same, I am cooking a lot more and have to really think out and prep my days. Can I grab something here? Did I pack snacks? Can I leave early to go to the only coffee shop that offers coconut or almond milk? It’s exhausting and frustrating when recipes don’t come out or I’m tempted to just stop by and buy fast food, my weakness. But, I feel better, so much better, that my cheat day will be Friday and that’s hopefully it.
  3. Map out all expenses for the next three months along with savings goals.¬†I have a lot coming up in the next three months. Not only am I traveling to NYC for work, I’m also going to Texas for Thanksgiving and have Christmas coming up. I need to figure out what my expenses will generally be and also how I can still save. And then, student loans are finally coming due. That’s another total budget buster! So, it’s important to budget and plan as much as possible. As Lauren Greutman said in her book, The Recovering Spender ( which I will have a full review of next week,) you need to stay in your fence. The budget is your fence.
  4. Read 6 books. Still desperately holding out hope for my Goodreads challenge this year.
  5. Get ahead at least one week in all client work. Self explanatory.
  6. Find an additional client. Self explanatory.
  7. Start my blog business plan outline.¬†Now that I’m back from FinCon and have found some motivation, it’s time to sit down and actually do it.

What are everyone else’s October goals?



Surprise! I Have Osteoarthritis

I swear, I am legitimately 31 but my body feels like it’s going on 81, hence why I have arthritis. Shall I go on?

I’ve never been the healthiest person in my whole entire life. I’m not sure the cause either. Maybe I could blame it on the fact I was born six weeks early in the mid eighties but that doesn’t sound right, especially since I was never a NICU baby. Anyways, health problems wrecked my childhood, specifically being a chronic asthmatic. I remember getting strep throat twice a year, pneumonia and bronchitis once a year, all like clock work. I remember having digestive issues which later turned out to be a gluten/wheat allergy. And I also remember having the crappiest immune system in the world. If something was going around, it was only a matter of time until I got it. My health problems lessened a bit as I got older and I finally stopped having yearly asthma related visits to the ER when I was 25.

The issues with my spine started when I was 27. After being in a severe car accident, I had an MRI done to evaluate issues I was having with my neck. The MRI picked up bulging discs which I needed cortisone shots for but it also picked up something I didn’t know. The fact that I had a minor case of scoliosis which was never picked up in grade school. I was reminded to keep an eye on it but after my cortisone shots, I didn’t think twice.

When I was 28, I threw my back out. I was lifting a case of water and something crunched, which terrified me. I made an appointment with a chiropractor who adjusted me and I started seeing him regularly for a year and a half. He was unprofessional so I decided to go some place where I felt more comfortable and that some place never really came. I didn’t think about it because my back seemed fine and I carried on my merry way until last fall. Last fall, I threw my back out again but this time felt different. Something felt off and no matter what, I was now in pain.

For six months, I tried everything I could think of instead of going to the chiropractor. I did stretches, tried yoga, took medicine and popped muscle relaxers. Nothing made me feel better and if it did, it never truly lasted. My pain went from a 4 to a 9 daily and I often laid in bed crying. I went to my primary doctor in tears and she recommended finding a new chiropractor.

I loved my new chiropractor and although I stopped being in consistent pain fog which helped me finish my studies with ease, my pain kept coming back which stopped me from moving on with my treatment. I would be okay for awhile and then have severe pain for what seemed like no reason. Really? I threw my back out handing the cat’s litter box? And then, my ribs popped out. Have you ever had a popped out rib? Google it. It hurts. My ribs were popping out and my chiropractor holds were not staying. I felt so much pain and I can say for the three weeks, I’ve been a mess. I was embarrassed at the state of my house when my BF came to visit as well as my cat sitter. I got behind in my freelance work and I’m still behind. Life hasn’t been great but I’ve been managing and trying to stay positive.

Last week, my chiropractor sent me in for tests and we finally figured out the culprit as to why nothing is working. I was diagnosed at age 31 with osteoarthritis in my spine. Part of my spine is so terribly inflamed which is the reason my adjustments aren’t holding and my rib keeps bouncing out. Because my arthritis is in the beginning to moderate stage, my chiropractor has placed me on a natural treatment plan for the time being. Along with starting an anti-inflammatory diet ( which is extremely hard), I also need to start working out at the gym. Studies have shown when you work out your muscles and build up the area around the inflamed joints, your pain lessens because your stress lessens. I also was very kindly told to lose weight to help pressure on my overwhelmed spine. I knew I needed to drop some of this junior and senior weight but damn.

Despite my nervous breakdown in Whole Foods, and trying to figure out what I can eat on a anti-inflammatory diet ( it’s pretty much Whole 30/ Paleo), I’m actually happy and grateful. I’m optimistic that I can fix my spinal condition and lessen my pain without surgery at the moment. I don’t know if I can wait out surgery or shots forever, but if I can for now, I’m grateful.

Chronic pain is not easy. Along with deciding to really track my finances along with my grow my business, my health is going to be up there. Do not take good health for granted people. I’m going to need all of my extra funds to help ensure I can pay for not only my treatments, but for the foods and supplements I need to make sure my body can last another 50 years in tip top shape!

Do you have any health conditions?



Money Smart Latina Reviews…It Is Only Money

All progress takes place outside the comfort zone

For years I’ve taught life skills in a low socioeconomic neighborhood. While I never imagined myself being a teacher growing up, I ended up loving it. I loved my administration, my peers who taught by my side and my students, who I was blessed to serve. When I got a promotion this summer, it was bittersweet to leave the classroom. While I had so much fun with my kiddos, I knew it was time to leave and go on in my career into administration myself.

Part of the life skills curriculum I taught were financial literacy and education. I can tell many a stories of my students realizations but one that hits home the most was the time all of my students thought everyone got food stamps. They were very confused that I had to use actual cash and then told me if I had a baby, I could get food stamps too. While shocking, I was just like these kids when I was in junior high. I knew you could buy food in cash but after my mom and dad separated, things were financially rough. My mom was disabled and we received government assistance including, but not limited to, food stamps.

Since realizing how important financial literacy is, I have a soft spot for making sure my students, despite their socioeconomic status and culture, know what a budget is. Culture and religion, along with your socioeconomic background, may influence the way you think about money and your mindset around it moving forward. That was a major reason behind starting Money Smart Latina, so I could make sure Latinas had options and knowledge.

I was happy to be given a copy of It Is Only Money- And It Grows On Trees! by Cara MacMillan to read and then review here with the rest of you. This book is a nice read about a teacher who goes into a classroom with multi-ethnicity students to learn about other’s mindsets towards money and wealth. Learning about the Jewish culture of money and wealth was especially fascinating to me. My BF happens to be Jewish and I spent last summer in Israel studying counter terrorism, so this culture and it’s people have a special place in my heart. It was fascinating to learn about their jar system and how they give so much away to help others.

Along with learning about different cultures, it was full of ideas to share with others to help with their mindset of money. For instance, do we need to spend more than what we make or even the same? Can we live below our means instead and save for a rainy day? Do we have to have the nicest of everything all of the time or can we make do? It also gave great tips and takeaways, such as looking to expand your skills and building a small business on the side. As a young single woman who lives on her own, I think having multiple streams of income is key to building your wealth and financial stability for yourself.

This book also comes with worksheets to help discuss and think further into your own mindset about money and finances. I know that lately, realizing that money wasn’t just something I should be good at but instead, realizing it was part of my security, made a big difference in my mindset. I need to feel like I am saving for something and my peace of mind knowing I am taken care of helps a lot. This also makes me realize I need to save more!

Check out It Is Only Money for a look around the world at mindset and money through the fun eyes of students and their teacher!

Goals For My 31st Year

goals for my

Two weeks ago I got to celebrate my 31st birthday. Anyone who knows me knows I make a big deal out of birthdays, including my own. Luckily, I have friends who appreciate my birthday antics and some of us decided to go see Guns N’ Roses. My boyfriend made fun of me but Axel and Slash still got it!¬†Of course, with birthday celebrations also come birthday reflection. I like to spend time going over what I accomplished and what I should be focusing on in the next chapter of my life.

Last year, a lot of my focus went into finishing my degree. With working and going to school both full-time, I was constantly stressed. I didn’t have time or energy for a lot of things but still did the best I could with everything. I not only graduated on time on the Dean’s List at ASU, I ended up winning two national awards at work and secured a promotion into management. Now that work is wrapping up a project that required me being in two places at once, I can fully do my new role and go on to find resources for youth engaged in the system.

After wondering what I would like to focus on for the next year, I thought about what has been holding me back in other areas of my life and I decided that this year, I’d like to get back to focusing on my finances.

My finances haven’t been terrible but I’ve really lacked energy and focus since going back to school and moving into my own place. Since I was busy with 80 hour work weeks, I didn’t flinch if I needed to eat out for convenience in between work and class or an extra Starbucks to study late. I also didn’t realize how much went into getting your own place and how I had tons of stuff, it was mainly decorative items and things like keepsakes. Since I only owned a bedroom set, I spent close to $2,000 over the course of a year on furniture, kitchen items and random things, like a vacuum. .

All this spending, along with a case of YOLO, has put me behind in some financial goals and random adult things I need to get taken care of but haven’t yet. I hate to admit I had the money but chose to spend it on other things that I wish I hadn’t. So, I plan on tracking all of my spending for the next year and reporting it on the blog. With hopes of tracking my spending, I hope to not spend as much on stupid stuff, eating out or whatever else keeps me from goals. The longest streak I’ve had with actual tracking of my spending is 3 months so keeping it going for the year is going to be real eye-opening to say the least.

Along with tracking my spending in hopes of spending less, I’ll also be focusing on earning more. While I am currently happy with my clients, I’d like to earn more to help with my financial goals. I’d also like to provide links to resources, free tools and information to help you live your best life. This means sharing stories so you know I come from a place of knowledge as well as sharing financial tips.

I’m happy to have my energy go into healthy avenues of financial health instead of mindless social media surfing ( looking at you Facebook) or things like shopping, my old standby of self soothing. I can’t wait to take active steps towards things I’ve been meaning to do and move on.

Do you make birthday goals or areas of focus in your life? What are you focusing on right now?


Does My Spending Align With My Values?

preparation is my financial empowerment

Last month when I sat down to read my copy of Jason Vitug’s “You Only Live Once,” I was left with some questions and pondering to do. This is great because I love books that make me think, yet I wondered if some of my pondering was due to recent changes in my own life. Parting with an old friend, my beloved fur child showing me¬†that life is delicate and my accomplishments in my career that leaves me so rewarded at the end of the day emotionally, yet financially I’m just starting to get where I want to be.

I am grateful for everything in my life, above and beyond. I always feel reflective right before my birthday because this is when I tend to reevaluate where I am in my life, personally, professionally and in between. One thing I would like to back to is putting my financial house back in order. While my first year of going back to school was financially okay, I took a huge hit this past year. I’m not proud of it, but I can admit a few months I was living paycheck to paycheck because my emergency fund seemed it just wouldn’t rebuild itself. Once it was rebuilt, it came shattering down in less than three days and I am still paying off a vet bill. Although life financially has been everywhere, it could always be worse and I am thankful I have been kept in favor. It could always be worse and it pays to remember that.

Part of getting my financial house in order has to do with my spending. When kept in check, I’m able to save all the money and pay off my debts with wiggle room in the bank. When left to my old ways, I treat myself way more than necessary and let my laziness kick in. I’m extremely lazy and will happily eat out. I also have no problem drowning my night owl sorrows in the mornings with Starbucks. But, am I really spending on my values, as Jason’s book suggest? What are my values and does my spending reflect that?

My values change from time to time, but I can narrow it down to a primary few: education, health, people and security. My BF laughed and said everyone values these things but do they really? If you value feeling secure, do you have tons of savings for a rainy day? What about health? If you say you value health, do you really if you are eating cheeseburgers through the drive through?

Education is something I grew up with and is instilled in me to be important but even when I took time off on my own to discover what really mattered, education was always on the front burner. My mother and father both valued education although they only had some community college classes under their belt and not any formal degrees. My mom took a lot of law classes in her hopes to become a paralegal before she became chronically ill but had an insane passion for reading as did my father. His classes were more of a sales and business background but he always stayed busy reading the newspaper and watching CBS Nightly News with Dan Rather. Seriously, I was the only teenager who probably thought Dateline was cool. I think my father consistently consuming the news helped develop my love of true crime which I later turned into a criminology and criminal justice degree.

Health is something that has only become important to me as of the last few years so I have to backtrack to fix mistakes, although with time it’s getting better. I’ve always had chronic asthma and fought anxiety but my late twenties came with a slew of health concerns. I discovered I had severe scoliosis which answered my lifetime questioning about why my posture was so bad and ¬†why my back actually hurt when I tried to stand up properly. I also have battled ongoing mental health issues which I know were always there but I can no longer hide like I used to. Paying for chiropractic care and a therapist is something that is always on going in my budget and neither is cheap.

I love people and animals, even though that wasn’t always the case when I was younger. The people part, not the animal part. I’ve always been a cat lady. ¬†One of the reasons my career in the non-profit sector has been so successful is because I sincerely love helping people better themselves and their lives. I love finding resources people need and connecting the dots, especially youth. I love my friends because I don’t have a huge family and while I have reconnected with my dad, it’s hard sometimes because he is still trying to break bad habits and thought patterns. He’s only human after all. I love people so it’s hard for me to really give up on someone. I also love meeting new people and learning about their culture which is why I love traveling so much. I like seeing how other people live and what they have experienced because I know my way is not always the right one. And my cat brings me so much joy, on a daily basis, I can only continue to provide for him the best I can.

And, although this is the value I probably spend the least time thinking about, it’s the one I should spend the most on, security. Security is probably all the not so fun stuff goes under, such as car insurance and rent but it’s what puts a roof over my head and provides with the opportunity to provide an income to pursue my other values. I honestly sleep better at night knowing there is money in my checking account and I am able to provide for myself through multiple income streams that I have set up. But, security is the one that stresses me out the most. I need to save more for retirement, save a bigger emergency fund and just save more in general for other things that I put off but need to do.

Looking this over, I can say my spending is align to my values, just not all of the time. I wonder what it would take to get to where my spending was in line with my values 100% of the time or if that is even possible. While I’m not sure it’s possible, I would love to try to find out in the upcoming year.

What do you value and how does your spending align with it?

August Goals


It’s August, the most special time of the year! When I was younger, I was always Jonesing to go back to school shopping and to celebrate my birthday. My mom made a really big deal out of both since I was an only child so August was usually full of magic. Now that I’m older, I have friends who partake in birthday month shenanigans with me and this is the first year in awhile I don’t have to buy school supplies. Huzzah!

Along with H coming out for a visit, I have tons of birthday month plans. A girls night, Suicide Squad viewing with friends and a Guns & Roses concert, my birthday month is gonna be off the hook! I still have goals though gotta stay motivated and take care of business during the work week. ūüėČ

  • Lay out a business plan for Money Smart Latina for the rest of the year.¬†After finishing my bachelors degree, getting a promotion at work and taking some time off, I’ve decided it’s time to focus on Money Smart Latina. I have tons of great ideas that I would like to see come into fruition and I am the only one holding myself back. My goal is to really get a handle on everything by the time I attend FinCon. Anyone else attending?
  • Take care of myself.¬†I really under estimate how much rest I need and crash out on the weekends. Along with chronic asthma and BPD which is quite exhausting, I also suffer from a chronic pain condition in my back. Along with getting rest, I need to see my primary doctor to get refills, eat plenty of fresh veggies and fruits, take my supplements and take time to actually decompress.
  • Finish funding my emergency fund.¬†I’m half way to my emergency fund getting topped off before I work on some other financial goals and I really hope I can do it this month. I was a little spendy this past weekend but I need to reign it in.

That’s it. I’m being super social this month so I don’t want to put too much on my plate. Bonus goal would be to declutter half my apartment since I feel like I have too much stuff again. I haven’t done a deep cleaning since last summer so that would be nice but I will be spending a lot of time with one of my clients so we will see what I have time for.

What do you have planner for this month?


July Goals Recap

Pshew! Although July started off rocky, and has had it’s ups and downs, I’m pretty happy with my progress and how the month turned out. I was able to save a decent amount of money besides having some expenses and spent 75% of the month traveling when I had originally expected 50%. Not only did I get to enjoy Disney World paid for a work conference, I also got to enjoy two new to me Arizona cities, Jerome and Tucson. I’ll be spending a lot more time in Tucson as part of my role as a manager. Besides transitioning into my new work role, I also won two national awards this year for my work in my community and data. So humbled. On to the goals!

  • Enjoy time with H. (With our crazy schedules, we gotta sneak time in when we can.) PASS¬†H and I have insane schedules so while half of the time was spent doing previous commitments, we still squeezed in a road trip complete with truck stop meals. Along with new adventures, we had a few dates included fancy dinners, massages and an outdoor movie at Grounds For Sculpture, one of my favorite places on the east coast.
  • Enjoy and meet five new people at my work conference. ( New management position + newly created program means new opportunities for me, my team and my organization.)¬†PASS¬†
  • Help the transition with my old position to the new person. ( Want to set them up for success!)¬†PASS¬†I will say pass even though this didn’t happen, due to no fault of my own. I am currently filling in until we hire the right person which may take all month.
  • Get one more freelance client. ( With my new position, I am nolonger able to do one of my side hustles so I am working on additional income streams and growing my business.)¬†FAIL. I exchanged emails with a person who was interested in services but nothing came of it. I didn’t seek any other opportunities but have had a possible change of heart with my time and where it’s allotted.
  • Clean out and reorganize my kitchen. ( Want to do a full declutter on my tiny apartment and I am starting here.)¬†FAIL.¬†I was gone the whole month so I didn’t get a chance to do this. Oops.

That’s it for July. I’ll be sharing on Wednesday my new goals for August. I’ll actually be turning 31 this year- eep!

How was your month?


Money Smart Latina Reviews… You Only Live Once

All progress takes place outside the comfort zone (1)

I met Jason Vitug a few years ago during FinCon13. Actually, another blogger had mentioned that he would be there and I was friends with her so she mentioned to both of us we should connect. We happened to bump into each other on the dance floor of a party I was throwing.

At FinCon, people don’t really discuss their dance skills but rather their projects, passions and purpose. Jason was filled with all of the above and since meeting him all those years ago, I’ve had the pleasure of getting to know him along with working on projects with him. I’ve spent time staff writing for him as well as meeting up with him on his famous grassroots mission, The Road To Financial Wellness. One of Jason’s passions is to make talk of finances less taboo and really get dialogue started to help you think about the life you want to live.¬†

Jason recently released a book after coming off his award winning collaboration on the road and before going out for his second tour, You Only Live Once. He’s taken the YOLO acronym millennials are so fond of using and instead of using to make it rain at Starbucks, he’s implied it in a purposeful way to help you think about creating the life you want. And maybe I’m the one who makes it rain at Starbucks but I digress.¬†

You Only Live Once is different from the usual finance book in the way that it actually can be broken up into a self help book as well. I know some people groan at the word self help but I find that since becoming a self help groupie a few years ago, my mindset on life and what I can accomplish has changed. Sure, I was taking care of my finances but I’d always find myself back at square one with just about everything and that’s because my mindset never changed.¬†

Mindset is a big part of keeping your finances on the right course and aiding in your road trip to a purposeful life, which is discussed in this book. It doesn’t necessarily tell you about The Secret or staying positive, but it discusses personal core values. Quite easily, people are able to say certain things matter but don’t spend time or invest in it financially. If you don’t invest time or money into something, like a goal of traveling, it’s easy to get caught up in just talk and not action.¬†

Along with speaking of our core values, it also discusses the notion of time. What do we really spend our time on? Is it something mindless like TV watching or FB scrolling or is it something making our lives more productive, such as reading a book or spending time with a loved one? Both things that people say they value but don’t necessarily make time for, then get upset they aren’t living a life of purpose.¬†

When making the choice to go back to school as an adult working full-time, I convinced my roommate to actively cut our cable. I had found myself wasting hours on consumption on the TV in the living room set and knew I needed to limit as many distractions as possible in preparation of getting an education. To this day, I pride myself on not watching TV. I watch four shows and refuse to get sucked into any new ones. I own a TV but I usually forget I have it since it was a gift from my dad when I got my own apartment. As a matter of fact, it collected dust in my living room for three months before I hooked it up and then it was another month before I watched an episode of AHS on it.

Jason’s book is filled with real life examples and stories like the one I provided above as well as financial advice for beginners. Along with the great credit avalanche/ snowball debate, he also talks about budgeting, investing and spending on your core values. After making a list of my values, which I’ll be sharing next week,¬†I realized some of my spending aligns but not all. With a recent promotion and my birthday within a month, it was a great time to sit back and think about the upcoming year.¬†

I highly reconnect You Only Live Once and I can’t wait to see what else Jason has in store!

July Goals

Only being a month into summer this year and it’s already been a doozy on two different fronts. Between my cat getting dangerously ill to learning the hard way and having to adult, it’s been insanely expensive. This summer I was really hoping to save money but it’s been, eh, a little rough so far. However, it’s not all stormy clouds! I’m traveling for half of the month, ¬†I picked up a new social media gig I am insanely excited about and the biggest news of the year besides graduating, I GOT A PROMOTION! Yup, just call me Mr. Manager cause that’s what I am.

Since I’m away from home for exactly half the month, I want to keep my goals short and sweet.

  • Enjoy time with H. (With our crazy schedules, we gotta sneak time in when we can.)
  • Enjoy and meet five new people at my work conference. ¬†( New management position + newly created program means new opportunities for me, my team and my organization.)
  • Help the transition with my old position to the new person. ( Want to set them up for success!)
  • Get one more freelance client. ( With my new position, I am nolonger able to do one of my side hustles so I am working on additional income streams and growing my business.)
  • Clean out and reorganize my kitchen. ( Want to do a full declutter on my tiny apartment and I am starting here.)

Short and sweet, just like I like it. Positive vibes and thoughts.