
Wednesday, February 2, 2011
Dealing with Uncertainty

Monday, April 12, 2010
Budgets: Part I
There are likely a million and one ways to spend less on the things we need, to discover the joys of cost-free entertainment and experiences, to increase the return on our investments, and to develop a sense of empowerment and a healthy attitude towards money. Those are all topics I’m anxious to write about and explore further, but they will all be ineffective for those without the solid foundation that is a well-formed budget.
A budget is your guide to reaching financial goals; mapping out your weekly, monthly, and annual benchmarks that will keep you on track with your long-term plans. The prospect of sitting down to create a budget may be daunting to some, but the great thing is that once you have crafted your budget you can relax knowing that you have a well defined path to financial success. If you start feeling discouraged about your finances and think, “I can’t do this – I’m in over my head”, you can look to your budget as a reminder that you CAN do it. You have written proof that your goals ARE attainable.
I’ll be diving into the specifics of creating and honing a budget in future posts. Now is the time to brainstorm a list of all the expenses you have in your life, right now. Be objective and honest. You’ll want your budget to be detailed enough that everything you’re currently spending money on is taken into account – even those things that you are looking to cut out of your spending habits like costly trips to the manicurist or daily stops at the 7-Eleven. Understanding where your money is going now is key to developing a budget that will work for you and your priorities. One easy way to do this is to look over a month or two of history on your credit and debit card statements. If you pay for most things with plastic, this will give you a really clear picture of how much you spend on what. If you’re still not sure where your paychecks are going, make a log of everything you purchase over the next couple of weeks.
Below is a list of common budget items that can help you get started or fill in gaps with expenses you may have missed – print it off and jot down next to each item what you currently spend on each. Don't forget to stop by tomorrow when we'll explore how to translate what you learn from this exercise into a budget that is tailored to you. I'll also be sharing some wonderful web-resources that make developing a digital budget a breeze!
Rent or Mortgage Payment
Renters/Home Insurance
Utilities – Electric, Gas, Trash, Water
Cable/Internet Service
Phone Service
Car Payment
Gas
Car Insurance
Car Maintenance
Public Transportation Pass
Debt Payments
Groceries
Prescriptions and Medical Expenses
Personal Care - Salon Visits, Massages, etc.
Eating Out and Drinking
Entertainment – Movies, Dancing, Concerts, Shows, etc.
Classes/Tuition
Gym and Club Memberships
Clothing
Organizational Dues
Donations
Pet-Related Expenses
Travel
Gifts
Thursday, January 7, 2010
Health Tip: Slow Down

When we slow down, physically, our breath becomes slow and deep - filling our lungs more fully, bringing more oxygen to our brain and muscles. Our muscles relax and our body's positioning becomes less rigid and tense. In a very primitive way, we are telling our biological selves it is alright to be at ease. Our stress levels drop.
When we slow down, we no longer make choices hastily, or out of impulse. We weigh our options, and we are more likely to make smart, not risky, decisions.
When we slow down, we drive slower. We use less gas. Our air becomes cleaner, and the whole world can breathe (slower) easier.
When we slow down, we eat slower too. We chew more, which aids in digestion and helps us to make use of all the nutritional benefits of our food. As we give our bodies time to sense when our nutritional needs have been met, we are less likely to overeat.
When we slow down, our movements are controlled and deliberate. We do not strain our muscles, tendons, bones or otherwise. Our pace helps keep our body's natural alignment.
When we slow down, we allow our physical and mental capacities to take a break. Our bodies can begin to restore from the stresses of our day. We return to our natural rhythms, and are more in tune with our body's needs. Sleep comes easier, deeper, and longer.
When we slow down, we find the time to develop stronger relationships. We can dedicate more attention to those we are with, and we are more likely to share our authentic self with them.
When we slow down, we are given the chance to rediscover who our authentic self is. When we slow down, we give ourselves the time to live authentically too. We feel more fulfilled, and our happiness grows.
Go ahead. Slow down. It's good for your health.
Monday, January 4, 2010
Healthy Nose, Healthy Head

Wednesday, November 18, 2009
More or Less
But there's a counterpart to more that we often forget about when we proclaim that more will solve our conundrums, and that counterpart is less.
It may seem counter intuitive that less can fill the same needs as more. After all, any kindergartner well versed in opposites can tell you that more is to up as less is to down. But sometimes less provides us with the real solution when more is still but a dream.
We won't gain more hours in a day any time soon, but less commitments can provide us with the hours we yearn for. Less time spent planning for picture perfect memories (for example an ideal vacation), or working to save up for said memory producing events, can give us the time to recognize and appreciate the simple moments we have with those we love. Less money in our pockets may not be ideal, but it enables us to internalize that money and the various things we buy does not define who we are. Less sweetness, just like less saltiness or spiciness or tartness, will refine our palates and develop a finer and wider sense of culinary delights. Less clothing in our closets can remove the stress of deciding what to wear each day and help us to see that is it not just how we adorn ourselves that makes us beautiful. Less sleep... well okay less sleep is really no fun no matter which way you dice it.
There are times for more and times for less in all of our lives. Sometimes we turn to more because we need to feel filled from the moment we awake to the moment we drift to sleep. Lately I've been feeling the need for less, and it's filling me up in a way more rarely does.
Sunday, October 11, 2009
Lazy Sunday: Typing Away
Sunday, October 4, 2009
Priorities, Part 3
Photo via Chris Bell OnlineNow that you've taken a clear look at where your time, energy, and funds are going and made note of what your priorities seem to be, it's time to sort out what you want your priorities to be and take action.
Carve out a good half hour to sit down and make a list of your priorities, what you want your priorities to be. What is important enough to warrant your precious time, your limited energy, and your hard-earned dollars? Don't censor yourself - jot down everything that comes to mind.
If you're having trouble getting started, imagine yourself the way you've always wanted to be. What do you see? Who do you spend your time with? How are your days spent? Where do you go? What does your living space, wardrobe, and community look like? I find this exercise really helpful for getting my creative juices flowing.
Once you've got a solid list of priorities, read through it a few times and see what really jumps out. Go ahead and start circling, starring, and crossing out as you wish. When you whittle it down a bit, it's time to take a second look at the personal resource log you made. How can you reallocate your resources to make the priorities you chose to focus on a reality? What activities are sucking up your time and energy now and preventing you from living the life you have imagined? Be bold, and if possible, cut them out of your life entirely. Now you can put your newly found resources to much better use - Towards the priorities you've deemed truly worthy of your time, energy, and funds. Towards the priorities that comprise your ideal life.
You might not have the time, energy, or funds to do everything you want, all the time. But by being honest about where your personal resources are going and prioritizing your desires for the future, you can be sure to make the most of your personal resources, and take a big step towards the life you've imagined.
Wednesday, September 30, 2009
Priorities, Part 1
Photo via BarryDeanWe're fortunate to live in an age of endless possibilities. With the world at our fingertips, the internet age has brought with it so much information that many of us feel completely overwhelmed by the sheer volume of advice, knowledge, propaganda, ideas, instruction, advertisement... (in short, info) that a single Google search can bring. And yet, the more we are exposed to, the more we tend to want as well.
Here's an example I think most of us can relate to: You're running errands with a friend who needs to pick something up at Target. You don't want anything from the store, but you go in to be a pal anyways. By the time you hit Aisle 3, you've got a cart full of must have merchandise you didn't have the least bit of desire for before you entered the automatic doors to consumer heaven.
Photo via KrazyCouponLadyI'm not suggesting that the internet has done anything wrong - but there's no denying that it has exposed us to so many more opportunities than our ancestors would have ever realized. The catch is, we don't have any more time in a day than they did to take advantage of these opportunities. We don't have considerably more money to fund them either. So where does this leave us?
It leaves us in a position to practice some serious prioritizing - prioritizing where our time, money, and effort will go. Prioritizing may seem to some like a limiting exercise. After all, if you're setting priorities it ultimately means some things you want to do just won't make the cut. In reality, prioritizing is a powerful tool for making the most of your resources and overcoming opportunity overload.
Tune in next time when I'll be exploring some tips for setting empowering priorities that fit your desires.
Wednesday, September 16, 2009
Soul Food
Photo via Vegetarian WomenOk, you do not have to book a 76 day spiritual retreat to an Indian ashram in order to connect with your inner essence and experience a sense of contentment (although Tina of Think Simple Now did and it sounds amazing - check out her reflections here). But even making little contributions to your spirit's piggy bank can yield major returns when it comes to your world view and the way you interact with those around you.
So what kind of soul food are we talking about here? I think of soul food as anything that brings new energy and life to all that is best within us. Maybe it's an activity that gives you renewed sense of purpose and joy. Maybe it's a mantra you use to help you tackle tough challenges. Maybe it's a person that encourages you to follow your own path in life. Whatever your soul food - it's important to make time to enjoy it... and there's no time like the present!
Photo via Self Hypnosis - Close your eyes and listen to music that carries you to a whole nother level
- Write in a gratitude journal, or simply list out things you're grateful for
- Take a yoga, or tai chi class
- Cook a nutritious meal for someone you love
- Try meditation, either by taking a class or using one of these methods
- Call an old friend you've been meaning to catch up with
- Invest in a long, restful night of sleep - your body will thank you
- Read a book that stirs something inside you
- Open up to your significant other about your dreams
- Volunteer doing something you love
- Eat a piece of the finest chocolate you can find
- Connect with your pets - or borrow a friend's if you need to!
- Paint, draw, write, or sing out how you feel
- Get a massage
Monday, August 24, 2009
Starting Small
No, planning, pondering, ruminating, thinking, contemplating, speculating and musing do not qualify as "doing" in this context. What are you actually, physically, doing about your dream?
Often times it can be difficult to make the transition from thinking about the life we want for ourselves and actually making it a reality. Certainly, it is easier to daydream about what a better job would be like than it is to take action (get the training necessary for a new position, put together a revised resume, set up lunch meetings with people who might be able to help) - but only the latter option will set you on the course for attaining your goals. The former will likely lead to frustration and growing dissatisfaction.
Sometimes we put off taking action for so long that it seems almost impossible to start. We begin making excuses for why we cannot take action now (I can't exercise this week because I have too much work to do! I won't start my diet until next month because I have too many parties to attend and it will ruin my efforts! I couldn't possibly start saving my money now because the new fall designs are in at Nordstrom!) and slowly we start to believe them. If we make excuses long enough, they create a mental block that can prevent us from taking action and leave us feeling like we have no control over our own destiny. Fortunately, this is not the case - we do have control.
So how can we begin to take action when simply getting out of bed in the morning can sometimes seem too daunting a task? Start small. Make a little action today, do something small that will set you in the right direction and recognize yourself for what you accomplished.
Why start small instead of embarking on a new undertaking with a big bang? Starting small gives us the benefit of being able to take action, to start doing, today. No matter the circumstances we are living in there is always a small action that can be taken to make progress towards a goal. Also, starting small is an easy way to break the cycle of excuses and self-doubt we create for ourselves. For example, if you spend 15 minutes working out this morning you realize that despite a busy work schedule you can make an investment in your health. Slowly, the excuses you once made will begin to melt away.
What are you doing today to achieve the life you dream of?
Go ahead and take a single, small action that will bring you closer to your dream. Congratulate yourself for taking that first step, and get excited to take another tomorrow. Over time your confidence will build and your small actions may grow. 15 minute jog this morning? By next week 20 minutes will be a challenge you are ready for. Edited your resume this weekend? Sending off 10 job applications by Friday is much more attainable now. Tried a new, healthy breakfast this morning you loved? Swapping your usual danish (or worse yet, coffee and a stick of gum) for more nutritious fare will come much easier now that you have a yummy alternative.
Sometimes we do not take small actions because they seem insignificant; do not be fooled. Small actions are the catalysts for big change. Need more convincing? Maybe the words of Lao Tzu, Chinese Philosopher and Taoist big-cheese, will speak to you:
a terraced garden, from a pile of earth,
and a journey of a thousand miles
begins by taking the initial step.
Thursday, July 30, 2009
Monotasking

See, after a few days of monitoring my own multitasking habits it became evident that I was not really saving time at all - I was just displacing it. Sure, I may have saved a minute or two when I sent an email in class, but the time I spent getting caught up on the course material I missed and composing the subsequent email I had to send when I realized my first message did not really make sense... well... it ended up taking longer than had I done both tasks "mindfully" to begin with.
In addition to saving time, I also thought that my multitasking was helping me get the most out of each minute in the day - a neat trait that ensured I experienced life to the fullest and would not miss out on anything. Well. it turns out that is not the case either. You see, inherent in multi-tasking is that nothing is experienced fully. Certainly I was not experiencing the book I read fully while I simultaneously listened to music and intermittently sent text messages, nor was I getting the most out of my workout as I slowed my jogging pace on the treadmill to read a magazine. In either scenario I would have gotten a much fuller and satisfactory experience if I has "let the excess activities go".
Well I am embarrassed to admit I have recently become that person. I have been called out on my annoying behavior by my boyfriend while talking to him on speakerphone and washing my face, brushing my teeth, checking my email... the list goes on. It has finally hit home that if I am not giving someone else my whole attention I am wasting their time and missing out on developing a deeper relationship. Plus, I am majorly annoying - not a description I strive for. You see, if we are not "focusing our whole being" on the person or people we are with, we risk missing out on truly connecting with others - one of life's greatest gifts. We also risk being an annoying person no one wants to hang out with.
Photo via Ron MartinLooking to add a little monotasking to your life? Start with these mono-tips and you'll be on your way to more focused, mindful living in no time:
- When it's time to eat, just eat. Don't watch television or work at your computer while you munch. Not only is eating mindlessly bad for your waistline, but you are depriving yourself of fully experiencing the joy of your food when distracted by the TV. Remember, multitasking doesn't save you time in the long run - you can take 30 minutes to enjoy your meal and be a more productive worker when you return to your desk.
- When you're talking to someone, listen. This may seem like a no-brainer, but how often are we truly listening to someone when they speak to us? Even if we are not actively doing something else physically, we are often predicting what the speaker will say next, pondering our own personal issues, or trying to find a place to interject our own thoughts. Spend a day trying to fully engage in conversations with others, with an emphasis on listening - you might be surprised by what you hear!
- Talk yourself through it, one task at a time. Lately, when I start doing one task and then find my mind or my body trying to do something else too, I will say (either in my head or aloud), "It's not time for X right now, I'm doing Y". This may seem silly, but it is a very effective way to stay on task and strengthen your resolve to complete one task before starting the next. A quick reminder is often all it takes to finish what you started with full attention.

