It’s that time of year again! As we jump into the new year and everyone makes their finance-related resolutions, I like to share some of my own favorite tools and apps for saving and investing. I’ve added (and subtracted) several over the past year, but here are my current recommendations:
By now, most of us know how we should probably answer the question, “Should I text him?” Almost invariably, even if we don’t actually know anything about the situationship at hand, the proper response is going to be an emphatic, “Hell no, girl!” Or in other words, “Quit giving your heart, energy, and attention to someone who isn’t reciprocating your interest. Period.”
But as anyone who has squared with dating in the digital age can tell you, that feat is much easier said than done when you: 1.) really like someone; 2.) thought (s)he was equally interested; and 3.) there has been no real discussion to (truthfully) explain the change in enthusiasm.
My newest favorite (as of April 2017) is Wealthsimple, which is where I hold my Roth IRA. They let you invest in socially responsible companies and they manage your first $5,000 free. In addition, if you sign up through someone else’s referral, you each get an additional $10,000 managed free for another year. My link is here: Wealthsimple-Smart Investing.
Update: since Digit is going to start charging $2.99/month for their services starting in July, I’ve decided to stop using them by that time. That may be okay for some people…but I’m cheap enough that that was a deal-breaker for me. =) Just leaving this here for the sake of information.
It can be really empowering for other people to believe in you, but it’s even more important to believe in yourself. As wonderful as it is to have people reassure me of my capabilities when I doubt myself–which I did a lot of in 2015–I also am aware that all the reassurance in the world will not restore my tenacity and fire unless I truly believe what is being said.
This past week, I have really struggled with feeling as though I am not “enough.” Not in terms of my relationship to anyone else, but rather not enough for myself, like I am sub-par according to my own expectations. I feel as though I am not accomplishing as much as I should be, that I am not as dedicated or tough or focused or disciplines as I used to be, and that perhaps I’m wasting my time, my potential. This meme was really helpful for me, and I am going to print it off and look at it every morning as I visualize the “best version of me.” I am determined to accomplish great things in 2016; I want to be proud of myself and who I am, and I never want another year filled with so much doubt and confusion.
As I’ve previously written, my fear of failure has caused me to avoid trying new or intimidating things at various points in my life; thus, this quote really struck a chord with me. Though I often was “the best” at many of the pursuits I did undertake, this quote gave me a new view on those triumphs. I often rose to the top through a mix of natural ability and dogged practice, but it frequently seemed as though winning did not take as much effort for me in comparison, and perhaps not nearly as much effort as it should have. In those instances when I played it safe and took the route most likely to lead to “success,” did I really succeed if I did not learn along my way to gathering trophies? What was really gained by avoiding the scary possibility of failure in favor of the safer guaranteed success? Indeed, I now wish that I had stepped outside my comfort zone more often.
Although I am flexible naturally (particularly in my legs), positions such as this take some consistent work to get into comfortably–or as comfortably as as possible, anyway. 😉 I took this photo after coaching a couple Saturday tumbling classes last year, several months before my knee surgeries. I would like to get to this point again, as my oversplits are not this good currently. To do so, I commit to stretching every day (aside from what I get in during coaching) this week to start building that into my daily routine again.
Although I am posting this on a Tuesday rather than Sunday, I am allowing myself to do so (without feeling “guilty” for missing my own deadline) due to the very nature of the quote I am posting. I feel that all too often, we expect perfection from ourselves–and sometimes, without logical reason. This was a wonderful reminder for me that my having areas for improvement does not negate my ability to simultaneously be a masterpiece. Indeed, I plan to enhance my competencies (and…well, those that aren’t competencies yet!) for the duration of my life; is that decision not, in and of itself, the very making of a masterpiece? This week, I plan to use this quote as a reminder to be kind to myself, perfect or not.
As I ponder how to approach the current crossroads in my life, which includes milestones such as completing graduate school, moving back to my home state for the first time since high school (yes, I’m “one of those obnoxious Texans”), and breaking into a new industry, I have begun to focus on what fulfillment means for me personally: What gives meaning to my life? When am I happiest? What do I value most? Which hobbies and lines of work lead to late nights and early mornings, all for the sake of passion about the pursuit? Who do I want to be in five and fifteen years, and how will I want to have made a difference? What do I wish I’d done differently in life thus far, and how will I avoid making similar choices in the future?