Hey you’re 18, not even a quarter of the way through your life but yeah go ahead and pick what you want to do for the next say 20-30 years.
Oh yeah and you’ll have to spend around $60,000-$100,000+ so don’t pick wrong.
And your parents will probably go into debt trying to help you pay so really don’t pick wrong. You wouldn’t want to ruin their lives….
Uhhhhh wait huh?!?!
I think it’s crazy to expect 18 year olds to decide what they want to do for the rest of their lives. If you are lucky you might pick something you enjoy. But often students end up spending a lot of money on a profession they aren’t passionate about. How can you be expected to choose something that you know nothing about?
Do you know the day to day work life of an accountant, or a teacher, or engineer etc? No you most likely don’t unless one of your parents happens to do one of those professions.
Students are left to choose blindly and then spend thousands and go into huge amounts of debt for their chosen major. It’s a crazy system.
You know that voice in your head that chats on and on without stopping? This is your inner voice.
It acts like a computer crunching data. It is also the source of your inner critic. Notice how you are the one listening to the voice. You are not the one that’s talking. This voice is the cause of most of your pain, anxiety, stress, muscle tension and most negative feelings. The voice plays a never ending battle of trying to control reality (hint: it will always lose), earn the approval of others and stick to acceptable social norms.
Your voice can take over your entire life it is left unmanaged.
You will likely end up in a situation in life because you were afraid of something or you were trying to gain someone’s or society’s approval. We rarely end up in a job, relationship or home that is true to ourselves when we are not managing out voice.
So how do we start to manage our voice and find out if our life is one that is true to ourselves or just true to our voice?
In this post I will share some of the challenges that I have faced in the past with saving money.
Here are ten reasons why you can’t save money:
1. You don’t know where your money is going
It’s impossible to know how much money you can save if you aren’t tracking your spending. There are a lot of tracking apps out there and they will link to your bank account electronically and categorize your expenses for you. Whether you decide to use an app or to track your spending manually, look over your expenses for the past 2-3 months and know how much money is going where.
2. You don’t have a budget in place
If you don’t put a limit on your spending I guarantee you will spend all of the money in your account. Give yourself a spending limit each month so you know how much you’ll have leftover for your savings account. Read more
If you are planning to finance your education through student loans there are some things you should know first. When I took out my student loans I didn’t know most of this stuff. You would think that someone in the financial aid department would provide you with this basic information but they usually don’t. Sometimes the colleges provide you a booklet full of detailed information that would take hours to read. I created this summary as an easy way to learn what is most important to know when taking out a student loan. It is crucial for you to think about the time after graduation because that is when your loans will come back to bite you big time!
Things to know before taking out a student loan:
Why do you let your mind control your life?
It is because you were never taught anything different. You were never taught how your mind works and how to manage it.
A few years ago I was asked to help plan a wedding. I was asked on the spot and I really liked the friend who asked me so I said “Yes, of course!” I left that lunch filled with anxiety. I knew I didn’t have the extra money to spend on planning a wedding or even traveling to where the wedding was. I didn’t even really want to go to the wedding. I didn’t have time to spend making decorations. So I asked myself “Why did I say yes?!???”
Does this scenario sound familiar to you? It is familiar to me because its only happened like a hundred times.
Being asked to do something, saying yes without thinking and then regretting my answer.
You are taught in school to work hard to get better grades. To take things seriously. Not just the things you want but anything any adult tells you that you need to take seriously. This is a difficult lesson to teach children. It teaches you that someone else’s true self is more important than following your own. Yes it is necessary to treat school as important to graduate high school and become a functioning member of society.
But kids are never taught how to place importance on what their heart says.
They are always taught to place importance on what their teachers, counselors and parents say. No one teaches children how to listen to their heart, how to get to know themselves or how to follow their dreams. Children are on some pre planned political journey that is required in order to get a job anywhere. I think all the things they are teaching in school are important but they are missing a HUGE one.
We should also be teaching children how to know themselves.
You played all day when you were a child. You played from dusk until dawn and when you weren’t playing you were sleeping. This is our natural state as humans: playing and sleeping. There is no working in our natural state. That is something our minds tell us that we are supposed to do. We buy into this theory. We believe that with more hard work we will earn more money and be happier. For most of us it doesn’t work out that way. More money means a more stressful job with more time at the office, more credit card debt, more bills etc. How do we break this cycle?
How do we stop working and start playing?
First, we have to let go of the social stigma of what it means to be an adult.
Are you having trouble trying to cut back on your spending each month?
Seems like I always am…
Have you ever tried a spending plan with a purpose?
Having a spending plan with a purpose is different because you really have to think about what you want before you buy it. And consider your life purpose and values, No more willy-nilly purchasing.
The Goal: To only make purchases that align with your life purpose, values and goals
What is a life coach?
I get asked a lot what a life coach is and how we help our clients. The simplest way to think about it is similar to a personal trainer. Everyone knows it takes diet and exercise to lose weight but you hire a personal trainer for guidance, support and accountability. A life coach provides guidance, support and accountability for your life.
I primarily work with millennial women who want to improve their happiness in their career, business or relationships. These are the three areas where women tend to have the most unsatisfaction.
How a life coach empowers clients to have a rewarding life:
Mindfulness is being fully present in the moment.
It is about being calm centered and connected to your true self.
Mindfulness is a way of life, and in my opinion, the happiest way to live your life.
Creating a budget is hard work.
Staying on the budget is even harder…
I like things in my life to be simple, automated and efficient.
Especially the things that I don’t enjoy dealing with such as money. I hate budgets where each month you have to track 10 different categories of expenses. How much have I spent on gas? How much have I spent on groceries? How much have I spent on clothes? This is too complicated for my simple mind.
I created a simple budget system that I use every month but does not require me to think every month.
Yay no thinking!!
Here are the steps to follow to create your no thinking budget: