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

Sunday Morning Coffee Musings: Mind on My Money and My Money on My Mind

Someone’s Yacht in Orange Beach Pensacola, Alabama

I don’t have to tell you that gas and groceries are high. Most of you are here in America and you have to eat and go back and forth to work so you have been to the pump and the grocery store. Before any of this took place I’d been concerned about finances. I took a long hard look this year at how I spend my money. I had some major things happen and it feels as if my savings account will never recover. It seems as if I get some savings and then before I can build on it, it crumbles.

It is clear to me this morning the key is I must save more. I must make some huge sacrifices and that sacrifice may be no vacations this year. One vacation is already out the door and another has one foot out and one foot in. I am on the fence about it. I should say I am simply prolonging saying “I’m sorry family. But I will not be able to join you this fall for vacation. I need to save.”

I really want to get away from it all. I need to. So, what’s a girl to do? Perhaps I will get away in my own city. A stay-cation sampling the good life of the Uppercrust in my city or maybe, do a vlog of living high off the hog on a budget. Perhaps, I will prepare for an amazing vacation next year or maybe push my vacation back to December. I don’t know.

Inflation and changing my spending habits has been a challenge. I have discovered that if I am restricted for a long period of time of not getting things I want, I tend to binge spend. Yes. I regret it later. But this time, if I play my cards right, I will be able to pad my savings and purchase things I want for myself and for my home. It’s a new month. It’s a new day. I am really grateful that grace and mercy is available every morning but, I need to stop the tangent splurges and not need grace and mercy in that area so often.

~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

Afraid to Succeed

Me in Paris, France

Monday, I woke up and made a choice to have a productive and successful day. However, there was this nagging feeling I needed to address. It was the feeling of fear of success. I can feel that with the actions I am taking in my life now, there will be huge successes. And for some reason, that makes me afraid. Why?

It’s not because I am afraid of the responsibility of success which is what I saw in my research of “fear of success”. It is because if I do become successful, I am afraid I will not have the ability to maintain it. What if it does good and then it starts not to do well? I am afraid that the money I make will somehow disappear because of “life”. You know expenses. I don’t know what I am doing. I am not confident in my steps. This makes me freeze up and not want to do anything at all.

I searched some affirmations for fear of success. I also added my own. I decided to meditate using affirmations.

  • I step into the into the success of accomplishing my dreams.
  • I am not afraid to succeed.
  • Succeeding is my birthright.
  • To succeed is to be the best version of myself.
  • Fear is an indicator that I am headed in the right direction
  • I am filled with endless solutions for my business, goal, and dreams
  • I am filled with endless ideas
  • There are no limits on my ideas
  • I am capable of solving any issues that may arise
  • There are no limits to my creativity. I am always expanding.
  • I am always evolving my business when necessary to keep up with the current times.
  • I am excited to see the success from my actions
  • I am very capable of securing my future from my success
  • Time is precious and a gift. I am using my time wisely to create the life I want to live
  • I inhale courage…I exhale fear

I pray this helps someone today.

Love, Nikki