No Spend April Week 3: Out of Sight, Out of Mind

Photo by Elise Bouet

This week I simply didn’t visit any sites, other than Amazon, that I shop on. When I became bored, I found other things that needed to be done or could be done. I told myself things like, “I wouldn’t know I missed it if I didn’t see it” and “It will be there when you need it” so, CHILL OUT NIKKI. You’ve done this before.

What I am learning about my spending and financial habits is my need to get it all right now. The urgency of if I don’t get it all right now, it won’t be there. And by “all” I don’t mean hoarding or buying so much of the same thing because it’s on sale that I don’t think about others who may need the item or discount as well. That’s right. I think we should think of others. I mean if I have things, I want to get done like have someone paint the family room, get the house power washed, install light fixture, I tend to think I need it all done at once. I have to remind myself often, “You don’t have to and you can’t do it all at once.” Where do I get this unrealistic idea for myself from? I think it’s a fantasy that comes from TV or the lifestyle of the rich and famous. The majority of us SAVE for what we want and need. Also, the failure of not having enough to get it ALL done because shouldn’t I have enough money to be able to do just that? And if I don’t, I must be mismanaging my money and maybe I should have chosen a better career. Finished college beyond an Associate’s Degree. WHEW!

I also USED to do this with to-do lists until my therapist helped me to see my life had changed and I could no longer do it all. In fact, I wasn’t doing it all, all of the time, perfectly anyway. He helped me to see the unhealthy burden and pressure I was placing on myself. You know, the A and B making student. The do everything just right, perfect, on time, before time may have won me points, certificates, awards, and treats in school and on the job but, with increasing responsibilities like being a mom, working and going to school or being diagnosed with a physically limiting disease, it was unnecessary. It was no longer sustainable. There was no one to impress or please. There never was except myself and God (for me). And even God doesn’t need to be impressed by me.

The internal dialogue I carried was, “I could never please my mother. So, when teachers were pleased and employers were pleased, I finally made someone happy. Going over and beyond for boyfriends or people meant someone was happy. Even if it was at my expense.” The expense of my tired body, the expense of my time, money, the expense of my mind and feelings. Match this up with a giver and empath and you have a huge mess. So, feeling the pressure of I need to do it all and do it now or I have failed after all of these years, still seeps into many things. Even my finances. Even after much work in therapy.

It’s unhealthy. It’s unrealistic. So, here I am changing my thinking about money and learning about myself. AGAIN. Yep. HERE I GROW AGAIN.

~Nikki

No Spend April: Week 2: Why?

Photo not by me

Why did I need a NO SPEND APRIL? I needed it to reign myself in from the allowed and planned splurge of my birthday month. I needed it to curb my appetite to spend when I am unhappy or the dopamine of finding unbelievable deals. I needed it to not go overboard and it flow into the rest of the year. I needed this to remind me that I have REAL goals and DREAMS and I need to continue to manage my money.

What are the rules for me? No clothes, no shoes, no purses, no jewelry, no make-up, and no beauty products. Oh and no home decor! I can go out. I can enjoy events. I can make purchases for my business.

I have not been to any thrift stores, consignment shops or places I often frequent like TJ MAXX or online for clothes. I tell you that saving those items to my cart helps! LOL By the time I get back to them they will be gone or I will have changed my mind.

I am considering extending this into May to challenge myself. The only thing I did purchase was a Cowgirl hat for the rodeo coming up. The other hats didn’t match my boots. Could I have changed my outfit? I could have. But…I didn’t want to! I was HADES bent on wearing it. I did find a nice hat for $24 bucks and decided to not spend eating out last week or go to an event. Do better, Nikki!

~Nikki

No Spend April Logs: Week 1: How It Started

Fail!

The very first week of April I went to Macy’s with my mom and spent money on something I did not need.

Let’s roll back tape. So, I knew I was going to spend quite a bit during my birthday month in March. I have no regrets about that. Okay, one regret. I could have saved that splurge that put me $80 over budget but, since it’s something I can’t return, I may as well let the regret go. I decided in March that April would be a NO SPEND month to reign me back in. I have things I need to do and things I want to do and saving money is one of those things. I also want to be able to enjoy myself while I save. But to what extent? Is that possible? Plus, it’s going to take more than a month to save what I want to save. One should always save. I didn’t go on any vacations last year. Going out of town for a conference or chaperoning my daughter and her friends were not a vacation. I do want to get away this year and I DO care where I go. I care that it is budget friendly.

Since I failed the first week, I decided that April 9-May 9 would be my month mark. I also decided that I needed to understand WHY I wanted to FAST from spending and what were the rules to this? What could I buy and not buy? What did I hope to gain or accomplish? I have not had the best of luck when it comes to saving. What do I mean by that? In the past whenever I save, something happens. It seems I can’t get to where I want to be as fast as I would like to.

I had car trouble this week. ASTRONOMICAL the cost to get my car fixed. Once again what I had saved has dwindled right before my eyes. At least, it’s almost and not completely wiped out. Maybe that’s not a bright side but a partly cloudy side?

~Nikki

Sunday Morning Coffee Musings: My Limiting Beliefs Surrounding Money

Photo by Nicole Jackson

So, I’m taking this 5-day FREE class on Millionaire Frequency and it’s about an hour and a half long each day. The question was asked, “What are your limiting beliefs surrounding money, wealth, and success?” I immediately said, “I have none” and then I said “None that I know of”. Well, let me tell you, that was a lie. I clearly heard the Spirit say, “Yes, you do.” And as I tuned back into what the man was saying, he mentioned to look at where you are, how you go there, and where you want to go. He talked about looking at your accounts and your spending and saving habits.

Well, when you explain it that way, I can see how I may have some limiting beliefs. He said to take some time and to really think about it. I did. There were instructions to write them out, examine them, and to tear them up as a physical sign to get rid of them. I wrote them down but I have not torn them apart because I want to examine them. I’ll get rid of them in a few days. I’ve been afraid of success and shared that. I thought I’d gotten rid of it but, it’s still showing up. I also found out or was reminding in this class that the old paradigm, way of thinking, programming, is very difficult to get rid of and it can only be rid by repetition and the planting of new thoughts. Did I mention this course has many spiritual elements?

Here are SOME of my limiting beliefs about money, success, or wealth. I am not ashamed to let you know. Maybe I should be but, I am going to share anyway!

  • Deep down inside, I fear it’s too late to talk about retirement savings because I am in my late 40’s. I didn’t prepare.
  • If only I had gone after my true dream and not let my parent stop me. I would be happy, successful, and living my dream.
  • I’m single. I don’t have a husband to financially support me as I go after my dreams and goals.
  • I am afraid that if I become wealthy, I will lose it. Something will happen and all of my money will be gone. Somehow, I will lose it all. (This is the root cause of fear of success for me and others. This thought of the inability to maintain wealth or status)
  • I’ve missed my time

Now, these are some of the thoughts, old paradigms, programming that pop up in my mind and cause friction between me getting to where I want to be financially. However, I am committed to my goals and dreams. Here are some of my new thoughts, programming, paradigm. You are in control of your thoughts. You can change what you think. Change your thinking, change your life.

  • Age is nothing but a number. It’s never too late to become a millionaire or to save, invest, or all three
  • No one is stopping me now. I can dream new dreams and set new goals. I have. I will.
  • I have no husband? God is my provider. I’ve been providing for myself and my daughter. What am I talking about here? Such a flaky excuse.
  • If I can become wealthy, I can hire the right accountant to help me manage my money. I will not lose my money. I have grown so much and become much more financially conscious. My habits are changing.

What about you? Do you have limiting beliefs? Maybe you, too, are unaware of them. I hope you can take them and replace them with new thoughts and beliefs. This way you can begin to form new habits and patterns to help you financially…and spiritually.

~Nikki

Sunday Morning Coffee Musings: How Many Delays but Not Denials?

I mean seriously. How many delays in life can one girl have? I know delays are not denials but, it sure seems like it lately. Maybe I am exaggerating a bit but, I am feeling some frustration about not being able to do EVERYTHING I want to do right now! Yes…whining a bit. However, I know that I must prioritize and sometimes, like this time, sacrifices must be made. Sacrifice never feels good.

So, what can I do to ease the frustration?

  • I can do what I can and not fret about what I cannot do
  • I can find free things to do around the city
  • I can create things to do with family and friends that are cost efficient
  • I can spend time organizing my home
  • I have plenty of crochet work to catch up on
  • I can try new recipes
  • I can spend in nature or on my porch with a cup of coffee or a cocktail
  • I have a book to read for a book club
  • I can start writing my third novel

So, there is much to do. Although, it may not be the other things I want to do, I can still occupy my time and enjoy it. Also, there will come a time, because of the financial sacrifices I am making, I will be able to enjoy the things I want to do, when I want to do them.

~Nikki

Woman Powered Up CO-ED 2022

Photo by Dziana Hasanbekava on Pexels.com

This year, which is the fourth year, WOMAN emPOWERED UP will be online and I could not be more excited. It is CO-ED! It is created by Woman emPowered Up but, it is created for EVERYONE!

You get 3 nights of 3 speakers with incredible life improving information. I have made it affordable due to the economy. I am sure it will increase next year. There is a limit on tickets as we will do it by Zoom on the free platform. 45 minutes each night to improve your life on the topics of Money, Meditation and what exactly is “The Power”. The link is below. Please, check it out and read the details.

This is a non-religious and non-denominational event. It is indeed spiritual and human 😀 It’s all inclusive of all people. You are very welcomed in this space.

https://fb.me/e/2kOrwVqv3

~Nikki