Corinna B January 3, 2017

8 Money Questions To Ask Yourself Regularly

The beginning of a new year is the ideal time to re-assess everything you have going on financially. We all spend to much in December, blow our diets, get completely side tracked. Now that we are in January it’s time to get back on track, set new goals and get the money equation working again.

Here is a post from CareerGirlDaily that is well worth checking in on throughout the year ahead.

8 Money Questions To Ask Yourself Regularly

By McKenzie Allyshia for CareerGirlDaily.com

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Money affects almost every single aspect of our lives. With money being so essential, you would think that we would spend more time trying to save it. However, we often find ourselves dedicating more time finding ways to spend it.

Knowing and understanding your budget is crucial to being and feeling financially stable. Which is an amazing feeling! Finding ways to increase your income and decrease your debt will allow you to feel that financial freedom. Answering the following questions can also help you prepare for large expenses such as buying a house or a new car.

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1. What is my monthly budget?

If you don’t currently live by a monthly budget, you should. A good way to figure out what you should be spending each day is to use an app like Daily Budget, you can input regular income and expenses, saving goals and daily spends like coffee and it’ll tell you how much you have to live on. It’s great to stick to a budget.

2. How much debt do I have and how can I decrease the amount?

From student loans to credit card bills, put a number on your debt and try to factor in a way to repay it bit by bit. Forgetting about debts or putting them off until later can be dangerous, as some debts only grow the longer you leave them.

3. What is my credit score and how can I improve it?

There are lots of ways to check your credit score online, make sure you’re using a reputable website and don’t be afraid to get a couple of opinions. Your credit score is important, a good credit score gets you good insurance, interest rates, mortgage and renting deals and is important when applying for a credit card. So there’s always time to look into it.

4. Do I have at least three month’s worth of expenses in my savings account?

For most of us, the answer is no. Now is the time to collect that buffer, if something happens, an unexpected expense pops up or you need cash quickly, this will save you getting a loan. Don’t worry, though, you can easily save with the 50-20-30 rule.

5. What are some poor money habits I can get rid of?

We all have them, spending as soon as we get our paycheck, buying things we’ve only just seen as opposed to something we’ve wanted for a long time. Treating yourself is only natural, we all like a treat from time to time, but there are always areas of improvement. If you’ve found your account running on empty more often than not, perhaps you need to keep a closer eye on your account every week.

6. What do I want to save for in the coming year?

Plan a savings goal, a pair of Chloe boots, a trip, but plan to save a little more than is needed. Whether it’s something sensible like your own place or something spontaneous like a summer holiday, be careful and be frugal.

7. How can I increase my income?

Ok, so this might be a tough one. Is it time to ask for a raise? Do you have to work extra hard on your own business to make more money? Or is it time for a career change? If you want to increase your income, this could be the time to have the conversation with your manager.

8. Where do I want to be in one year’s time?

By December 2017 you’ll be in a position to evaluate your finances all over again, so what questions do you want to be asking yourself then? What do you want to have in your account, do you want to be the queen of savings? Do you want to have finally paid off your debts? New Year’s Resolutions are important, but don’t forget to set a money goal, too!

Answering these questions should ignite your critical thinking and get you on the right track to financial stability. Are these the only questions you should ask yourself? Absolutely not! However, it is a great start.

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Corinna B December 26, 2016

A Book You Absolutely Need To Read, Right Now.

So how was your Christmas/Hannukah/Kwanzaa/whatever you celebrate? My clan are Christmas celebrators, and we had a good one.
It has been so nice to finally get a break and just stop. One of the things I love about the Christmas break is curling up on the couch with a good book.

I do believe the book I just finished (minutes ago!) is essential reading right now for all females living in the west.

the girl who escaped isis this is my story

The Girl Who Escaped ISIS: This Is My Story by Farida Khalaf is an incredibly important book.

On some level I think that we in the west, with our comfortable lives, our busy lives filled with work stress, our exhausting lives, our complicated lives, our simple lives, we don’t really connect to the absolute horror of what is happening to women in other parts of the world.
We see the reports of women being taken by ISIS and sold into slavery and sexual abuse and we find it awful and offensive, but the actual reality of the lives and communities that are destroyed, the devastating reality of what actually happens, doesn’t necessarily hit our stream of consciousness.

I am so ashamed to admit that when I would hear about it on the news I would think “oh God how awful!!”, but then I would think about something else, and not necessarily connect to the full force of what was happening to these girls.
I’m not ashamed to admit that this book had me in tears, and now that I’ve finished reading it I am sitting here just shell shocked.

Farida Khalaf is a Yazidi girl from northern Iraq. She excelled at school, particularly in mathematics, and had been thrilled at the prospect of becoming a math teacher when she finished school.
She was close to her parents and siblings. She had friends and relatives and a strong community living all around her.
Farida and her family were living a lovely, normal life.

And then in the late summer of 2014 ISIS attacked her village.
All the men and many of the boys were taken and killed in the school yard, and the girls were taken and sold into slavery.
The 9 and 10 year olds fetching the highest prices. (Let that sit with you for a minute.)

Farida was transported and held in a slave market in Syria, from where she was sold and resold to ISIS soldiers, over and over, brutalized to near death, then eventually sold to an ISIS camp in the middle of the desert.

Farida tells her story in devastating yet crucial detail. Somehow despite soul crushing abuse and torture she is able to maintain her resilience, find hope, and ultimately plan and execute an against all odds escape for both herself and 5 of the other girls held captive with her.
Her bravery should inspire you. And devastate you.

Freedom has it’s burdens for Farida too. The girls who do make it to the relative safety of refugee camps are shamed for having lost their virtue. They have to deal with sexually transmitted diseases and pregnancies and the trauma of what has happened to them.

There are multiple reasons to read this book.
This memoir lets Farida make sure that what happened to her was not for nothing. It is a way for her to make you see what ISIS really is, and to let them know they didn’t break her spirit.
It is a way for you to see what is happening over there and to find a way to help.

You need to read this book.

“As gripping as it is appalling…a compelling testament to the suffering of ordinary people caught up in violence far beyond their control—and to the particularly terrible price it exacts from women.” —The Guardian

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Corinna B November 16, 2016

5 Ways To Manage Stress

image by Kelly Cappelli

It’s been a week since the election – how stressed out are you?

Everywhere I go it seems that people are majorly stressed out. Trump fans are mad that the haters be hating, Trump haters are stressed out that he even got elected let alone that he is going to take office.

The world is stressed out that God only knows what will happen, and today I even heard Trump voters stressing out that he is putting Steve Bannon, the white supremacist in the White House.

I have been super stressed out that this has happened to my adopted country, meanwhile a massive earthquake hit my home country, which has me beyond stressed out.

Add to the mix working the past 44 days straight, AND having a major flood in my home and frankly it has been a stressful few weeks.

The thing about stress though is that it doesn’t achieve anything. Well, nothing positive anyway. The trick is to find ways to manage your stress so that it doesn’t manage you.

5 Ways To Manage Stress

1. Do Yoga

Even if you just do a few sun salutations each day, yoga is a fantastic way to manage stress. The focus on your breath, the stretching, the flow from position to position make yoga the ultimate stress buster.

If you can’t get to class just roll out your yoga mat and do some sun salutations with a you tube yoga guru.

Don’t have a yoga mat? Check out Manduka.com for all kinds of yoga wear and yoga supplies. I’m ordering a new 5mm Eko mat and a new bolster to replace those that got lost in the flood.

2. Take a walk outdoors.

Fresh air and nature are wonderful stress relievers. A long walk with no distractions, just you and Mother Nature, is food for the soul.

3. Sit and reflect by water.

Looking out over the ocean or watching the waves are instant stress busters.

Watch, breathe, repeat.

4. Meditate.

If you can still your mind meditation is an amazing stress-buster. It calms you, helps you focus, helps you sleep better. Most of the super successful people that I work with in my real life (makeup artist) meditate for 10 to 20 minutes per day. I figure I can find 10 minutes somewhere each day so I just downloaded an app called Headspace that offers 10 minute meditations, but there are plenty of meditations available on You Tube.

5. Get off social media

Social media can be fun, but it can also be a huge source of anxiety. Whether that anxiety comes from comparing your life to others and feeling inadequate (remember no-one’s life is as good as it seems on Facebook!) or whether its people being contentious and going all attack-dog over issues (hello Trump) the dark side of social media can be very dark.

Give yourself a two or three day total break from all social media, and then when you go back don’t look at any social media in the first 30 minutes after you wake up or the last hour before you go to sleep