My Top 10 Tips for Saving Money & Getting Out of Debt

I wrote a previous post about the kind of life that I'd like to design for myself starting now in my early 30's. At the end of that post I made some declarations of things that I need to start doing and continue to do in order to achieve this, my uncommonly wealthy life. Today I'm here to talk about the financial side of this dream. Today I'm talking about the wealth in uncommon wealth. 

I know that usually when I talk about uncommon wealth on this blog it's not really in reference to money and finances, but I'm not naive to the notion that money is a requirement of modern life. However, I do not believe that one's wealth is solely based on the amount of money in one's bank account. I think that true uncommon wealth comes from a self-approved and designed life full of rich experiences, relationships and joy.

Now I do realize it takes money to achieve many of these things and in the past I've made the mistake of trying to live a full life beyond my means and this has left me with considerable debt. I don't think debt is something that is a necessary evil of everyday life, I think that with forethought, planning and discipline, anyone can live the life they want within their means. And that is what I plan on doing going forward.

Today I plan on sharing my strategies for how I'm going to get to a better financial place. What this better place looks like to me is my debt totally paid off, savings in the form of an emergency fund and a growing retirement savings plan and saving money for the things I want to do instead of going into debt to do it.

10 Tips for Saving Money & Getting Out of Debt:

1. Use Alternate forms of Transportation: If you can get way with it use transit. I'm fortunate to live in a city in which public transit is readily available and accessible. I pay a monthly fee for my transit pass, which is tax-deductible, and I don't have to worry about car payments, insurance, gas and maintenance. I've also signed up for a car-sharing service: Car2Go for those times when you just need a car. There's others: Zipcar, AutoShare and there's always a taxi or a company like Uber. There's many options for getting around that don't involve car ownership, and they're much more environmentally-friendly too.
2. Make use of the library: Get a library card, it's free! With your card you can take out books, movies, music and download eBooks for free; as well as use the computer, internet and printing services if needed (sometimes for a small fee). 
3. Make your own meals, coffee and snacks: I saved a lot of money when I switched from eating out and doing take out on the regular to buying groceries and making my own meals instead. It's budget friendly and healthy to make your own meals, snacks and drinks and bring them along to work, travel and even entertainment. The freezer is also your best friend because almost everything can be frozen and saved for later consumption, instead of wasted.
4. Make cleaning supplies using cheap household items: Baking soda, white vinegar and lemons is all you really need to clean your entire house for cheap and bonus you're also being environmentally friendly.
5. Have at-home spa days: I love a good pampering just as much as the next person but it doesn't have to cost an arm and a leg to get it. I've become a bit of a master lately at doing my own masks, facials and nails so I don't have to pay through the nose for someone else to do it. Best of all, it can all be done while binge-watching your latest TV obsession ('Orange is the New Black' season 3, anyone?)
6. Find the free and cheap events and entertainment options where you live: There's usually all sorts of wonderful free or cheap but totally fun events going on if you just do a little digging. Movies in park, drive-in movies, movie cheap nights, concerts in the park, outdoor theatre, fringe festivals, street and art festivals, cheap nights at the museum/art gallery, 'prix fixe' events at restaurants, wine/food tastings/sampling, etc. So much to be found and so much to do: time to be a tourist in your own city! Also checkout cost saving apps/websites: Scene Points for Cineplex, Groupon, Living Social, etc. 
7. Use of coupons, money-back apps and points programs: Using these are all great ways to save money on the everyday essentials if used correctly. You shouldn't just buy something just for the sake of buying it because you have a coupon or money-back offer, trust me I've gotten sucked into that trap before and it's a waste of money. Some points and loyalty programs are a waste of time, effort and money also if they reap little in the way of benefits or if you have to save up the points forever before you see any kind of benefit so choose wisely. Ones I like: PC Plus program, Checkout 51 and Flipp.
8. Purge, sell and then only buy what I need and when I need it: I know that every girl has been susceptible to this at one point in their lives when it comes to buying beauty products, clothing, jewelry, bags and shoes. I've done it too: bought something because I thought it was cute, or thought I needed multiple colours, or I'd use it one day. Nope, you all know that you end up using and wearing the same favourite things over and over again so why do we do it to ourselves: keep buying crap that we don't actually need? Well no longer: I'm going to purge my stuff and then sell what I can, donate or throw out the rest and start from there. I'm going to wear and use things up and only buy more when & if they need to be replaced.
9. Cancel subscriptions & memberships that I don't use: I cancelled my cable and I do not have a home phone. I put money into a good internet plan, cellphone plan and watch only Netflix. I don't use the Next Issue subscription I have so it needs to be cancelled and I need to cancel subscription boxes I'm currently paying into that send me stuff automatically every month; stuff I don't need. 
10. Tell other people about my goals and get help and advice: By being honest with people about your financial predicament leads to some unexpected gains. I think sometimes as a society we are embarrassed to talk about money woes but when you start opening up about it you realize that everyone can relate and there's a lot of great advice and support that can be gained. Bonus: many of your friends and family will be in your corner about coming up with inexpensive ways to spend time together.

My next steps will include doing the necessary research to go from financially ignorant to financially savvy, setting up automatic withdrawals from my bank account into a high-interest savings account on pay days, consolidating my high-interest consumer debt and creating a realistic budget and sticking to it. Stay tuned for updates on my journey to financial freedom. 

What are some other ways that have helped you save money? Anything I'm missing, let me know because I'm always looking for ways to improve and add to this list. As always here's to your uncommonly wealthy life! :)

Some other resources to check out that have helped me:
Squawk Fox - Sexy Consumer Advice
Daily Worth - Financial Advice for Women
'Money Rules' by Gail Vaz-Oxlade

Green Smoothie Challenge - Week 1 Complete

I've completed the first week (7 days) of my June Green Smoothie Challenge. Now I'd like to impart some pieces of wisdom that I've learned from this first week of green smoothieness. 

I'm actually able to stick to something:

I've tried to do health, fitness or general life development goals in the past that I haven't completed or barely cared about, but this time it was different. I'm not sure what has made this time so different but it definitely feels different and that's awesome because it means I'm finally following through on a personal health challenge. 

It has been much easier than expected:

I had this notion going into this challenge that it would be so hard and that it would take so much work and disrupt my life in countless ways. The reality of the matter is actually so different than that; it has folded into my life naturally and lead to little disruption. Once again my expectations about a situation were incorrect and this time in a beneficial way. 

It's all about planning and sharing:

I realized early on in the challenge that I needed to plan ahead, not only when it comes to my grocery store trips but also my work and life schedule. For an example I went out of town this weekend to visit my sister and attend a wine and cheese festival and I made sure to give my sister the head ups about my challenge. In doing so it lead to a pleasant surprise: she was fully supportive and well stocked with kale, frozen fruit and almond milk. Awesome!

I haven't been perfect and that's ok:

I definitely had a day where I tried a new smoothie recipe and it didn't turn quite right. I tried really hard to choke it down but I probably only ate a quarter of the smoothie. I could've taken a negative look at this or made it an excuse to give up, but instead I composted the smoothie and scratched that recipe off my list and set out to find better recipes. 

Forgiveness of self is so important:

When making any significant life changes, no matter how big or small, forgiveness is a very important part of the process. Self-forgiveness is one of the most important parts of self-love and acceptance. I haven't set out on this health journey in order to berate myself, no I'm doing so as an act of self-love. 

This is a journey of self-discovery just as much as self-improvement and I'm having so much fun getting to know myself and my preferences better. Even though I've made some great and some not so great smoothies, I'm learning and doing and that's what life's all about, after all. 

I did discover one really great recipe that will now be added to my green smoothie repertoire and that I wish to share with you:

Berry Spinach Deliciousness:

Serves: 1

Time: 10-15 mins

1 cup baby spinach

1 cup almond milk 

1 tbsp flaxseed 

1 tsp chia seed (ground)

1 tbsp brown rice protein powder 

1 & 1/2 cup frozen mixed berries 

1/2 banana

Process the spinach, milk & additives. Once smooth add berries and banana and blend until palatable. Enjoy!

Have you ever done or are you doing a health challenge? If so let me know how it went and what you learned about yourself along the way.

Thanks for reading and as always here's to your uncommonly wealthy life! :)

What I'm Thinking About Today - Health

I started a healthy eating challenge that I talked about earlier this week on the blog. In doing so my primary goal is to lose weight and feel healthy. The problem is that I sometimes make myself feel bad about the fact that I'm not seeing faster weight loss.

This is not cool and I have to remind myself that I've embarked on a lifelong journey of eating healthy and taking care of myself and it's not just about the vanity of losing weight. I try not to get seduced by the media and social messages of skinny is better. I just want to be my best self everyday and if that includes some fat on my body, so be it.

So here are some reminders that help me, and will hopefully help you as well, when I'm feeling discouraged in my health journey:

Fat doesn't automatically equal bad:

I'm on a journey to be healthier and it's an unfair assumption to think that anyone who has fat on their body is somehow out of shape or lazy. I know a lot of fit, athletic and in great shape people who have fat on their bodies. There is nothing wrong with fat; it's a natural part of all bodies.

It's about more than the image in the mirror:

I'm building a strong and healthy body and that's a good thing no matter what it looks like. I'm eating food that will lead to better digestion, skin and a boosted immune system and these are all great things.  My body is beautiful and wonderful just the way it is, even with fat, just like all bodies. Who I am is not my body.

Take stock of how far I've come so far:

There are measurable changes like the fact that I've lost 10 lbs and a full dress size as well as the non-quantifiable changes like how great I feel now compared to when I started. I've gotten stronger, I'm in better shape and my digestion has normalized; all things that help in many different areas of my life. Another huge benefit is that I'm happier than ever before and it feels good to have a goal to work towards.

Self-love and acceptance is much more powerful than criticism:

I've never had success in making life changes by being highly critical of myself and berating myself with negative self-talk. On the contrary, when I finally accepted my life and body just as it was and decided to love myself for the imperfect person that I am, is when I finally changed. I started making healthy life changes as an act of self-love because I now know that I deserve it, no matter what my current circumstances.

Reminder to be thankful:

As human beings we have a natural tendency to focus on the negative and this can lead to some negative views on ourselves and our lives. I must remind myself that I already have so much to be thankful for. I'm thankful that I have the ability and access to a gym and food on the regular basis. These may seem like basics but they are huge privileges that a large proportion of the world does not have. I'm thankful everyday that I'm alive, healthy and free. What else could one ask for?

I'm enjoying the journey of eating well, working out, loving my life, doing what I love and spreading my message. I can't wait to see what life has in store for me in the future but life is real only happening right now and that is the part that I'm enjoying right now in this very moment. Life is grand. What is one small thing you can be thankful for right now?

Remember you are uncommonly beautiful no matter what the scale or media or society says. Spread the love and share your unique and truly wonderful self with the world.

As always here's to your uncommonly wealthy life! <3 :)

Green Smoothie Health Challenge

Monday June 1, 2015 marks the first day of my 30 day Green Smoothie Challenge. 

Inspired by the Simple Green Smoothies gals: http://simplegreensmoothies.com and their 30 day green smoothie challenge that they hold a couple times a year I've decided to do my own. They have a challenge coming up in July but I didn't want to wait that long so I'm going to start my own for June. 

Here's the challenge: 1 green smoothie a day for 30 days. This smoothie will be a meal replacement for any meal of the day, I personally love to have them for breakfast, or as a snack. I'll be scouring the web for recipes of green smoothies that don't taste like grass and I'll share them with you as you follow along on this journey. 

Starting with my day 1 smoothie which is based on the Beginner's Luck smoothie from the simple green smoothies website. I halved their recipe for an individual serving and I added some extra nutrition and protein. 

I used my magic bullet and this how I made it: 1 cup greens; I used mixed kale plus 1 cup almond milk, which was pulsed until smooth. Then I added 1/2 cup frozen mango, 1/2 cup frozen pineapple and half a banana with 1 tsp each of flax seeds, ground chia seeds and brown rice based protein powder. I pulsed it all together and then we have deliciousness. 

This challenge is not just about the smoothies, it's a general challenge to myself to start eating clean. My diet will still be mainly fruit and veggie based with lean protein, seeds, nuts, lentils and pulses rich. I'm swearing off sugar except for a piece of quality dark chocolate once a day. I'm also going to minimize my dairy, caffeine and alcohol consumption. 

During this challenge I'll also continue my workout regime of weight lifting 3 days a week and cardio 3 days a week. I'm also going to concentrate on increasing my activity level in general by doing lots of active things with my free time. 

Follow along in my challenge here on the blog and on social media: Instagram, Twitter, Pinterest and Facebook.

Let me know about your own health & fitness goals, struggles and any challenges who've undertaken. As always here's to your uncommonly wealthy life! :)

Emotional Seasons

Lately I've been thinking a lot about my emotions and feelings and specifically emotional seasons. I believe that just as the Earth goes through natural cycles that are marked by periods of hibernation, renewal, growth and change; we too as humans experience similar seasonal changes related to our emotions. 

I know that I, for one, have experienced periods of joy, sorrow, frustration, positivity, anger, happiness and more. These changes may or may not be linked to external factors such as the weather but more than likely it relates to internal struggles or epiphanies. 

Let me give you an example from my own life in terms of the emotional season that I'm currently wading through. 

Recently I've been experiencing what can only be described as an angry season. I've felt like I've had a very short fuse in regards to issues that really amount to very trivial things in the grand scheme of things. I recognize that I'm being irrational and needlessly irritated but even with this realization I still find myself quick to anger. What exactly is going on with me and what can I do about it?

These are the questions that have been rattling around in my brain throughout this current emotional season. I'm already starting in a good place in the fact that I'm self-aware enough to recognize what's going on. Ok, great, I know what's happening but why and what can I do about it?

As a side note I want to make it clear that I believe it's important to feel your feelings when they happen without trying to suppress them and without being too self-indulgent. It's a fine line I know and one that I'm still working to define but I think it changes all the time. 

Now I'm at point where the same issues that are making me angry are coming up time and time again and I've reached the point of self-indulgence. It's time to either accept or act. As that old saying goes: something along the lines of give me strength to accept the things I cannot change and change the things I cannot accept...? Or maybe that's my version.

Action time: I start with some personal explorations of the deep recesses of my brain, then I think back to what has been happening in my life lately and then I dig deeper to reveal the real reasons for my anger and frustration and then I tackle them.

So after much contemplation about my life circumstances and my feelings surrounding them I've realized that it all boils down to expectations. More precisely unmeet expectations. I've always enjoyed dreaming and planning for the future and as much fun as this can sometimes be, it also has a dark side; the anger, frustration and resentment that can arise from reality being incongruent with my imaginings.

I moved away from my hometown about a year and a half ago and in doing so I left behind many friends and most of my family. As much as moving away and being forced to take care of myself has been a good thing for me and finally forced me to be an adult, It has also been very hard. When I moved to the 'big city' I had a lot of expectations about what my life would look like and I realize now how childish those expectations were. 

I've always enjoyed imagining that my adult life would look like a friends or sex in the city episode but that's all it is; fun and fanciful imaginings. However, I think that deep down a part of me did expect my life to look all fun and shiny like the TV shows of my youth, and it does not. It may seem silly but I think it's important to hold onto the childish and youthful side of ourselves as adults and sometimes children are mini philosophers and sometimes they're quite silly. 

I guess this is one of those times where I have to remind my inner child that TV and movies aren't real and that reality is not the same but that doesn't mean it's worse. The thing about TV shows and especially movies is that they gloss over the everyday and sometimes boring things that make up life and in doing so make it seem like life should constantly dramatic. Honestly though, life can be so much better than these portrayals if we take the time to stop, look and appreciate. 

So how do I plan on getting over my angry season? I'm already starting to feel better having explored it and now written and shared about it. I'm going to lose the expectations and enjoy my current life. I'm going to make the best of my current situation and be pleasantly surprised by whatever life brings me. Honestly at this point in my life I'm enjoying the downtime, quiet and dramalessness that a boring adult life brings. 

As I feel the storm of my angry season lifting I'm looking towards the beautiful blue sky for the inevitable rainbow while enjoying and creating my uncommonly wealthy life. Cheers! 😊🌈