New Adult Skills

Holy snap I learned how to budget, and it was about time too! I sat down with a friend and Google Sheets (which is Microsoft Excel but by Google and free) and some Starbucks. We put together what I make versus what I spend and laid it all out. Being able to see what I’m doing and that I really shouldn’t be buying as much random crap as I do opened my eyes.

Everything is laid out in colourful ways and bold letters and it’s just amazing. I can clearly tell that I should pick up and extra shift or two this month in order to buy this one extra present for my boyfriend without being tight on money. But the best thing, is I can see how bad my Starbucks problem actually is, and for this month, so far I’m just over $5. That isn’t bad at all!

The way it’s all set up, I can see how long it will take to pay of debts, build a real savings account and even get my car back on the road. Things that were overwhelming and bringing me down are now being turned into bite sized problems I can destroy in real time! I feel so accomplished with this. Plus, it’s a skill that not enough people have, so I feel special in a sense too.

If you’re a visual person like myself, I honestly recommend taking an hour out of your day and really making a real budget for yourself. Finding where the money is going can help you manage it better, but also make the conscience decision to eat better by not spending as much out, or not buying that lipstick because you don’t really need it. Although with me it’s Magic the Gathering cards and not make-up, but that’s not the point. Watch out for the little things, like Netflix and Disney+, it can bite you in the rear down the road.

I wish I discovered this sooner, I honestly do. My eyes are open to the idea of actually being able to buy a house one day, or even a Doubling Season. – This Thing – And it’s taken a huge amount of stress off my shoulders: being able to see everything as reasonable goals is actually amazing.

But That’s Not All!
Managing stress! That’s another huge thing I’ve been learning to do! The past couple weeks have been a lot for me, I’ve been struggling to eat, sleep, and even been struggling at work. Sitting down and tackling it with friends and loved ones has really helped show me that every stressful situation can be broken down into bite sized pieces, making it manageable again.

Overall, I feel lighter, and happyish again. I’m able to talk about how I’m feeling and I can say that I wasn’t okay. My new skills are going to be a huge help come 2020 and I feel ready for anything life throws at me. Thanks for stopping by today!
And thanks for reading!
— Deryn

Financially Preparing for Christmas

Christmas is the definition of consumerism and it really bothers me. But, I was raised celebrating it and I enjoy having the family together to laugh and bond. I am however, broke as all frick, so I have set up a plan of sorts to save up and buy my friends and family gifts they’ll actually want.

1) I accidentally fell in love with Starbucks. I know, I’m dumb, but I’m going to fix this and quit getting those delicious, lovely, miracles that are eggnog lattes. I don’t even like eggnog! Ugh, stupid five dollar lattes.

2) My boyfriend and I have this ritual of sorts where every Wednesday we go for wings. I currently don’t have a car so he can’t get a drink, and I hate how expensive alcohol is, so normally we both just get pop and wings. It’s his favourite thing to do during the week and I don’t want to take that from him, so I may just stop getting wings and just sit and be social. We blow a good $30-$40 every time. Half of that a week in savings can really add up.

3) Cutting back with bills. I like being comfortable and my boyfriend likes the heat, so our furnace is always a little higher than it needs to be, so I think I’m going to invest in other ways to warm my place and start wearing sweaters so I can save on that. You’d be surprised how much that can get out of hand really quick too.

4) I have loads of wool in my house, so I want to start making things and selling them. I really enjoy making bows, scarves and blankets. There’s even a couple craft fares near me I can attend and try selling some stuff. I may even have some soap making product somewhere too. I guess it’s time to get crafty!

5) Crying. I’m kidding, if crying fixed my finance problems, I’d probably do it a lot more though. It really doesn’t help I went on vacation. I’d like to pick up some freelance writing eventually. Being able to do what I love and make a few bucks off it seems like a good idea.

And there ya have it, my attempt at saving and earning a bit more money before the holidays. Boyfriends present is being delivered right away here too, so that huge present is out of the way. I want to try and do a gathering for friends closer to Yule and then family shenanigans for Christmas. I also work Christmas, so I’ll have a good paycheque for the new year. But for now, saving as much as I can. Anyways…
Thanks for reading!
— Deryn