How to Deal With Your Finances and Stay Sane

how to deal with your finances

Photo by Zach Klein on Flickr (http://www.flickr.com/photos/zachklein/54389823/)

Personal finance makes me want bury my money in mason jars and go back the good ol’ trade system. But I’m not a skilled digger and money makes the world go round. If you don’t learn about it, you’ll get screwed over by someone or some corporation that knows more about it than you do. Hashtag truth.

That’s why this year my personal goal has been to learn more about my money and to actually save it. Maybe that’s also why this year has been one of the most frustrating times of my life. 🙂 As I sat on hold with the bank yet again… I thought I’m going to lose it. I’m going to end up yelling at this poor person on the other end and I’m going to pull out all of my money. But I didn’t do that because over the last year I’ve learned some pretty good coping tools for money frustrations.

1. Prepare for phone calls
You may already know that a simple phone call to your service providers could help you to save money on all kinds of bills– cable, internet, maybe even rent! And don’t forget to call your bank to get overdraft fees and other outrageous bank fees leveraged too. Just make sure you always have a plan for the conversations, so they go your way. Above all, remain calm and prepare to walk away, if necessary. You don’t really need cable anyway. (Ramit Sethi from I will Teach You To be Rich has some great scripts for those difficult phone calls.)

2. Keep pictures of your end-goal in appropriate places
Do you get stressed about money when you are sitting at your desk and balancing your checkbook? Keep a picture of your end-goal on your desk. Do you get stressed just looking in your wallet for cash? (I do!) Keep a picture of your financial end-goal in your wallet. By having pictures of that dreamy financial end-goal in strategic places you’ll create a quick comfort, you’ll be reminded of the goal, and it might even curb your spending.

3. Remember that saving is a journey
Patience, in general, is so, so hard. It can be even harder with saving because we don’t see those immediate rewards. Buying your lunch can be so much easier and temporarily more rewarding than saving that $10. By changing your mindset about saving, and learning to recognize that even the littlest bits count, you’ll reach your financial goals much faster.

4. Break up your financial to-do list into manageable chunks
This is a life-tip, but getting super motivated and creating a giant to-do list of stuff to do can actually hinder your progress. Make your financial to-do list manageable by breaking it into smaller chunks. Complete one small thing on your list every day. Be happy that you completed something and avoid being paralyzed by the stress of too many to-dos.

5. Talk about it
For many, money is a taboo talking point, but ya need to get it out. Worrying about money but not talking about it is a sure-fire recipe for a heart attack. Find someone you feel comfortable talking to, whether it be a relative, friend or psychiatrist and let it out.

6. Practice affirmations
Affirmations can seem silly and maybe even a little narcissistic. But don’t discount them! Say an affirmation enough and you’ll start to believe it. (Here’s an example one: “Every day I am attracting and saving more money.” But my favorite affirmation of all time is this little girl’s affirmation. After I saw her video I started adding “I can do anything good!” to my affirmations.

7. Meditate or pray about it
Pray about your money issues, if you are into that. If not, meditate about it. Meditation has made me a calmer and overall nicer person. It’s given me clarity about my money issues that I would have never reached on my own. And the best thing about meditation? It’s free!

8. Recognize your triggers and avoid them
Just going into Target triggers my impulse to spend, so I avoid Target. If I must, must go I bring my husband along and tell him to monitor my spending. Recognize when your finance habits get out of control. Do your spending habits swirl out of control during the holidays? Try a handmade holiday instead. Do you spend a ton of money on beauty products? Find ways cut your beauty routine. Make it into a game if you must! Just avoid those triggers!

9. As my life coach, Suze Orman says, “People first, then money, then things.”
I love Suze Orman, not only does she give sound money advice, she’s also compassionate. I love her sign-off, “People first, then money, then things.” Once you have your priorities straight, your finances are much easier to handle.

So how do you deal with your finances and stay sane? I’d love to hear your tips in the comments!

love,
melanie

 

 

My Easy, Go-to Holiday Dish: Baked Brie

Baked Brie with raspberry jelly and walnuts I always have grand plans for the holiday. I’m going to bake a dozen gluten-free pies, and mail 100 holiday cards, and craft all my gifts! (Holy crap, I am a nut job!) In reality, where I actually live, all I’ve got time to do is throw some brie into the oven while I’m drying my hair and brushing my teeth at the same time.

This baked brie has been my holiday go-to dish this season. Who doesn’t like a large wheel of hot, melty cheese? No one. It’s a crowd pleaser and it looks like you spent hours and lots of money on it. The best part is that it takes about 15 minutes and $5 to throw together.

Baked brie, easy holiday dishIngredients

  • A wheel of brie
  • Jelly (the flavor is up to you, but I used raspberry)
  • Nuts (again, you’re choice, but walnuts are my fav)

Preheat the oven to 400 degrees. When oven is heated, put your wheel of brie on an oven-safe dish and bake for about 15 minutes. The brie will be done when it’s lightly toasted. Usually the brie will look a bit deflated and the gooey cheese will be slightly oozing out.

Take out of the oven, liberally spread on jelly or jam and sprinkle with nuts! You look like a gourmet chef, you. Pat yourself on the back!

What’s your easy go-to holiday dish? Let me know in the comments!

love,
melanie

 

 

 

How we live in 188 square feet

How we live in 188 sq feetI can’t remember where we were or what we were doing, but I remember the complete look of shock on a sales lady’s face when I told her that we lived in 500 square feet while I was in grad school. I’d love to find that sales lady today and tell her that we now live in less than 200 square feet (an estimated 188 ft!). She might have a conniption.

Deciding to live in a Airstream is one of the best decisions we’ve made. (You can read more about our reasoning here.) And just like my husband, George, said the other night, “I don’t even think of it as an Airstream anymore. I just think of it as home.” So how do we do it without killing each other?

  1. The most obvious key is patience. Patience is not my strong suit. I want everything now, now, now! But luckily, George was blessed with enough patience for the both of us. He’s teaching me to become a more patient human being through his example. He’s also teaching me to get over things more quickly. If left alone, I’d stew in my own frustration for days, but he won’t let me.
  2. We sold and donated the majority of our belongings. And we don’t even miss them. We decided what we truly needed and cleared out the clutter (see more tips on how to do that here). It wasn’t an easy process and took a good deal of personal honesty. But it feels good.
  3. Keeping with the honesty, I want to divulge that we do have a small storage unit. Both George and I have a few family heirlooms that are pieces of furniture and we wouldn’t dare think of ditching those.
  4. We clean more. I would love us to clean even more than we do now. I love a tidy home! But, we do clean much more than we did while we were living in a larger apartment. It’s much quicker to clean a small space and much more necessary to keep tidy. You can’t just throw a bunch of junk into a room and shut the door!
  5. We stay out of each other’s way. The Airstream is narrow and two people can barely stand side-by-side in it. So when one is in one area, the other one stays out of that area. That way we aren’t constantly bumping into each other.
  6. We think more about our purchases. George and I love to shop for vintage stuff. But now, if we are out browsing, we think long and hard about our would-be purchases. Do we actually need the item? Do we have space for it?
  7. We know that everything needs to have a purpose. We don’t keep stuff around just because it looks nice or we might use it someday. If it doesn’t have a purpose, it doesn’t live in the Airstream.
  8. We have hiding spots for junk. Let’s be real, craft supplies, piles of clothes and random beauty products aren’t always pretty. When we were planning the layout of the AIrstream, we planned for lots of nooks and crannies to hide the stuff that we need to be functional human beings.
  9. We constantly reorganize. Almost every weekend I’m reorganizing, refolding and rearranging things to make the Airstream a neater and cleaner place to live. It’s just a fact of life now.
  10. We love each other. I wouldn’t recommend living in this small of a space with your best friend (remember dorm rooms?!) because at some point you will want to strangle the other person. But because we love each other and have promised not to leave each other, we aren’t going to get out of this situation. We also remember our shared end goal of financial independence.

On another note, if you’re looking for a place in Winnipeg, Towers realty group is a company that can help you find apartments for rent in Winnipeg.*

Do you live in a small space? What kind of tips would you include on this list? Let me know in the comments!

love,
melanie

*Sponsored post, but opinions are my own.

Cranberry Sauce French Toast

french toast with cranberry sauceMy dad said he was sick of turkey the day after Thanksgiving. That man does not like leftovers. But me, I’m down with the cold turkey. I could happily eat a turkey sandwich every day. Plus, leftovers are like finding pre-made meals in your own fridge!

And although I like leftovers, I also like to mix things up a bit. This morning I plopped a little bit of warm cranberry sauce on my french toast. It was delightful.

Can we talk about how easy it is to make cranberry sauce? I’ve never understood why people buy the canned stuff. It takes two seconds to make and it doesn’t have that creepy can shape.

cranberry french toastHere’s my ultra-easy, tangy cranberry sauce recipe:
Ingredients:

  • 1 cup of cranberries
  • 1/4 heaping cup of brown sugar
  • 1/4 cup of water
  • Zest from 1/2 a small lemon
  • Juice from a small lemon

Directions
Put all the ingredients in a sauce pan and heat until boiling. Then, turn down the heat to low and simmer until sauce reaches a more gelatinous consistency (usually about 10 minutes).

Serve warm over french toast (gluten-free, for me) and a drizzle of maple syrup! Ya’ll don’t need directions for french toast, do you? I love the tang of cranberry sauce and the sweetness of the toast.

How are you using your holiday leftovers? Let me know in the comments!

love,
melanie

Handmade Holiday Challenge: Customized Ukulele

customized ukuleleSome of my favorite childhood memories involve some sort of musical accompaniment. My sister, my best friend and I used to make up all kinds of songs. I distinctly remember a song about dirty clothes sang to the tune of Baby Love by The Supremes.

Back of the customized ukuleleFor Christmas I want to give the joy of music to my niece. But in my true fashion, I couldn’t just give her a plain ol’ ukulele. I had to customize it.

First I bought this relatively inexpensive ukulele from Amazon. Originally I had planned to cut out vinyl decals to add to the body of the ukulele. But George, my super talented husband, really liked the idea of customizing the ukulele and volunteered to hand letter it. He used a white paint markers for the base, then created texture with a black paint marker.

customized ukulele detailIt’s kind of adorable. Maybe my niece will be the next Dolly Parton. I’m at least going to win best aunt award this year.

How are your handmade gifts coming along?

love,
melanie

Tips for Charitable Holiday Giving

Photo courtesy of Tracy Olson on Flickr.

Photo courtesy of Tracy Olson on Flickr.

Although I’d like to scream at most stores (and some people) that have had their Christmas decorations out since before Halloween, I can no longer deny that Thanksgiving and Hanukkah are just a day away! The holiday season is upon us, ya’ll.

I’m not diving through a swimming pool full of gold coins like Scrooge McDuck (yet!), but I do find a way to give some of my mere wages to charity during the holiday season and throughout the year. I’d like to encourage you to do so too.

So how do you know if an organization is legitimate? How do you know where your donation goes? How can you make a difference? Here’s some of my tips to making sure your giving counts.

  1. Think about the things that mean the most to you.
    Do you have a big heart for animals? Has a teacher made a difference in your world? It’s time to get mushy and find an organization or organizations that aligns with your beliefs.
  2. Check to make sure the organization is a 501(c) tax-exempt nonprofit.
    The IRS database of nonprofits is difficult to navigate, so I’d recommend just downloading the zip file and searching for the organization by using Ctrl F. You can download the file here.
  3. No money? No problem.
    Charitable giving just isn’t a reality for some people. I get that. But many organizations not only need cash, they need the time of dedicated individuals. Consider dedicating your time, as well.
  4. Ask and give donations instead of gifts this holiday season
    Instead of gifts at our wedding, we asked our guests to donate to our favorite charity. It was one of the best decisions we made. It definitely made our wedding feel a lot less self-absorbed. Instead of yet another something that someone doesn’t need, consider making a charitable donation in their name. It’s pretty much like giving holiday cheer.
  5. Remember that you may be able to deduct charitable giving from your taxes
    Just keep a good, solid record of your donations and in April, you might be able to write them off!

Still stumped? Here are a few of my favorite charities.

  1. Your local Community College Foundation
    Community Colleges change the lives of people by giving them a higher education or a technical skill for a relatively low cost (or for free!). But unlike large universities, community colleges don’t have the alumni support base that large universities do to help offset costs. I donate to the community college I work at each month and I know that my small donation is helping to change the life of student.
  2. NPR
    NPR is another organization that I give to each month. I don’t have a television, so I rely on NPR to supply me with unbiased news on a daily basis. I’m also a sustainer, so I am entered into their trip drawings during their pledge drive. 🙂
  3. Heifer International
    Heifer International empowers families to turn hunger and poverty into hope and prosperity. You can donate livestock to international families or communities to help “bring sustainable agriculture and commerce to areas with a long history of poverty.” This year I’m giving a goat!
  4. Stronghold Society
    The Stronghold Society is the organization that George and I chose to donate to during our wedding. Their mission “is to inspire confidence, creativity, hope, and ambition for the youth of native and non-native communities… [And] encourage youth to take action to live a healthy life in mind, body, and spirit through the diverse means of skateboarding, arts, and creative movements.” It’s a beautiful mission and it blends George’s love of skateboarding and the arts with my heritage.

In this time of thanksgiving, please think about those who are less fortunate.

love and thanksgiving,
melanie

 

Handmade Holiday Challenge: Infused Liquors!

infused liquorsI’ve never been too keen on flavored liquors with the exception of my college Smirnoff Lemon Vodka phase. I feel a little barfy just thinking about it. But that’s because most of those liquors are artificially flavored. I mean Cinnabon-flavored vodka? That can’t be real.

Infusing your own liquor is so much tastier than the manufactured stuff and makes mixed drinks extra special. And infused liquors make a great hostess holiday gift. Good thing my friends like to party because everyone is getting infused liquor this year!

infused liquors closeupHere’s the stupid-easy how-to:
Grab a canning jar. Cut up some fruit, add spices (if you desire) and fill the jar with liquor. I recommend using organic fruit so there’s no yucky stuff infusing the liquor. Then, shake once a day, everyday. The liquor will be infused in about a week!

I’ve tried strawberries and vodka before with great results. The vodka tasted just like real strawberries! This time I’m also trying an apple-infused bourbon and a green apple-infused moonshine. (The moonshine is legal, guys. It’s Junior Johnson’s Midnight Moon, if you are curious.) For the apple-infused liquors, in addition to the fruit, I also added a cinnamon stick and three cloves. I’m thinking with a little bit of simple syrup it will taste like apple pie!

I’m so excited about these holiday gifts, I might have to keep one for myself!

love,
melanie

 

 

 

Easy DIY: Washi Tape Mirror

Before and After Washi Tape Mirror

You know those projects that somehow never just finish themselves? Those projects are super inconsiderate. I can’t even believe them sometimes. My dishes are the worst. They just pile up and pile up until finally I get angry enough and do them myself.

The mirror in my bathroom was one of those projects. I had planned to paint or cover the edges in small strips of wood, but sometimes all I’ve got time for is a five minute project. I found this washi tape that has been lying around since our wedding and simply put it up around the mirror to hide the ugly, old edges. The best thing about washi tape is that if you mess up, it doesn’t leave residue or loose it’s stickiness. There’s really no trick to this project.

I love projects like that. No tricks, just treats. It’s super simple and it makes a big difference.

What’s your favorite 5 minute DIY? I’d love to see links to your projects in the comments!

love,
melanie

Texas Pete Bloody Mary

texas pete bloody maryWhen I worked at the Boys and Girls Club, the older kids liked to scare the little ones with the story of Bloody Mary. Have you heard it? As legend goes, Bloody Mary appears if they spun around three times in front of a mirror while chanting her name. (You can read more of the legend here.) It was kind of terrifying and I’m an adult. I will never forget the morning my favorite little kid ran out of the bathroom with tears in his eyes, so afraid that “Bloody Muddy” was going to get him. There were so many time-outs that day.

This drink goes out to that little guy, wherever he is. I hope he’s out terrifying the big kids with some gut wrenching tales.

bloody mary in a jar

Ingredients:

  • 8 oz. Bloody Mary Mix (I cheated a bit on this one and went with a Trader Joe’s mix. You could also use tomato juice and Worcestershire sauce).
  • 1 shot of vodka
  • 15! shakes of Texas Pete (less if you like a less spicy drink)
  • 1 dash of onion powder
  • 1 dash of garlic powder
  • Splash of canned olive juice
  • Garnish with fresh, cracked black pepper and olives

Also, can we talk about how serving in a jar saves on clean up. AND. AND. AND. You can make these before a party and have them ready to go! Have you ever had a Texas Pete Bloody Mary? Let me know in the comments!

love,
melanie

 

 

Handmade Holiday Challenge: Vanilla Extract

how to vanilla extractFirst up on my handmade holiday challenge we have (drumroll please!) vanilla extract! I know, it’s not super exciting, but it is actually a thoughtful gift for my mom. My mom is an excellent baker and cook. She has intuition in the kitchen like no one I’ve ever met. She could take some peanut butter and beef jerky and turn it into a four course meal.

The last time I was at home we popped into “William and Sonomas” (as she calls it) and I caught her buying a 12 dollar bottle of vanilla extract. I was worried that some baking kingpin was making her run all of his errands. A 12 dollar bottle of vanilla? That’s extortion.

vanilla extractAnyway, for Christmas I thought I’d make real vanilla extract for her gift. It’s amazingly easy and way cheaper than the William and Sonomas version.

Wash and thoroughly dry bottles with a tight fitting cap. I got these from Michael’s for $1.16 a piece! Split your vanilla beans with a knife and put them in the bottle. Pour bourbon, rum or vodka into the bottle. Swig a little of each. I chose vodka (left) and bourbon (right) for my extract. The vodka version shouldn’t have much extra flavor, but the bourbon will add a bit of smokiness to your baking. Rest in a cool, dark place for 1 month. Enjoy or gift!

Are you getting to work on your holiday gifts? Join my challenge and let me know about in the comments!

love,
melanie