I himmed and hawed for months about “raising my rates” at my current freelance gig.Like lots.Oh, and I also never saved a dime.I took HOURS.I want to end this cycle of financial dysfunction.
For me, managing my personal finances is like a math problem that I know I should be smart enough to figure out but NEVER CAN!
I spent decades being a full-time salaried employee with a stable, timely paycheck.However, when I found myself with a face full of rock bottom, I knew I had to do something.[Offline Marketing Sales Useful Strategies Boost To Business]
Maybe that’s the problem.It’s the one thing that has truly enabled any financial success I’ve experienced in the last 2 years.Back then, my problem was not having a handle on what needed to be paid and/or when the bills were due.Tracking my payments needs to be done daily.
I have a side project.[Standard The Wong Gold Maili]
I’m hoping that by writing about it (with little to no filters) that I might just arrive at something that I can use to improve myself.
You see, my job is a creative one.I forget my own power.(Well, that and my own resolve to stop sucking at money management.) I was being a pussy be not asking for what I am due.[Ticket To Leo Comes Giveaway Pittsburgh]
The result of both of these divergent situations was that I hated paying bills.I’m not really a “step” kinda gal when it comes to new adventures, even financial ones.
I’m busy.[Why First Not The Make Move]
If you are thinking that all might have been too much, I’d be forced to agree.[Breaking Habits Bad]
About 3 months ago, I experienced a “hiccup” in my smoothly operating money machine.Believe in magic.
Both of those tasks are easy to prioritize although they may take a significant length of time to achieve success.Then, I quickly dove into automating my finances, designated savings accounts, tax filing modifications, ETF investing, individual stock investing, credit score improvement, net worth tracking, tracking dividends, responsible credit card use, estimated taxes, college saving, high-interest CDs, money mapping, personal finance blogging and a bunch of other stuff I can’t even remember right now.#4: I assumed my income was enough.
I get paid well.UGH.Finally, I found the organization I craved.However, for The Lady in the Black, managing her finances is a continuing saga of both.(I can’t even.)B.S.#5: I forget my own power.
This is a big one.However, over and over again, I witnessed myself having a power to alter the Universe with the power of my thoughts.[Aren8217t College Student Problem Only Today The Hitting Loans Students]
Keeping my money machine operating smoothly takes time that sometimes I just don’t want to give it.
My friend just tweeted.[Invest R500 Or You What Can In Is This Less Got]
It’s Girl Scout cookie season and The Kid and I are busy.
I’ll wait to see what they counter with next week.Am I sick and tired of sucking at the same damn things? For sure.[About Budget To Portland Yourself You Travel 3 Have Things Experience]
My friends and family are far away and I miss them.
The carpets need cleaning.[And Best Step Repeat Tips Choosing On The Banners]
I don’t know.I’m not sure where you fall out on the whole “theory of abundance” or “self-fulfilling destiny” or the “Universe giving you what you need” but I gotta say I was a huge skeptic.I asked for a 20% increase.
I’m a “let’s try to juggle all this new stuff because it’s fun” kinda Lady.[Remember 5 A Wedding Secrets Budget No Debt To Have]
If, by some miracle, my readers have some suggestions, great.That sucks.
I’ve also spent years as a freelancer.Is that more self-excusing bullshit?
Fuck.How about Don’t Be a Drag, Just Be A Queen?
(OK, not mine but I like it.)
The post Owning My Personal Bullshit: The Lady’s Steaming Hot Pile of Financial Confessions appeared first on The Lady in the Black.[5 Your Reasons You8217re The Avoiding Top Finances]
So, how can I remind myself? Hmmm.I’m just a busy, working professional single mom who values her downtime and quality of life.The problem there was compounded as my income was both variable in terms of amount and in timing.I was paying bills and saving money like crazy.It should also be noted that I never could save a dime either.Is that a lot? Did I ask for too much? Will they laugh me down? You know what? I frickin’ don’t know and don’t care.
Warning: This post contains lots of swearing.#3: I’m fricking lazy.
It’s a new year and the joy of the holidays are behind me.[Revere Win Engineer Pittsburgh In Rosie To Tickets]B.S.Oh, and all of that in under 2 years.
I’m back to square one trying to spot the error in my equation.[In Do 7 With New To Orleans Kids Things]
I get that my income as a freelancer is variable but how can something work for 11 months and then suddenly crap out? Am I working less? Am I not tracking properly? Am I spending more than I realize? Am I trying to save too much? Did I make changes that work break my system? Am I investing too aggressively? Did using a credit card for the first time in a decade throw off my spending habits? Did increases in rent and health insurance break me?
The answer is “yes”….to all of those questionsâwhich leads me to my next steaming pile of personal crap.
And sadly, and SO BORING, is addressing my biggest weakness, taxes.And instantly, I was in love.Well, it might come down to some additional gratitude exercise and surrounding myself with positive people.I had finally cracked the code!
Except I didn’t.[Legit Ways To Tax 2019 Easyand In Save 4]
But at age 47, The Lady in the Black has a long history of financial mistakes that exceed a little “whoopsies.” Worse yet, there are some I simply can’t stop from happening.#2: I don’t have my priorities in order.
For most people on the front end of their personal finance journey, the elimination of debt is priority one.
But, guess what guys.I’m writing (and publishing) this post for one reason.Am I giving up too soon? Maybe.That’s cool.I updated my budget to reflect changes at the new year.I didn’t have to figure out when to pay bills every month.I wonder if it helps you.[To To 3 Advance Your Do Things Career]
So, why aren’t sitting pretty, sitting in a long fitted black gown and tiara and declaring myself the Queen of my domain? Because I forget.The same precious time and energy that everything in my life is clammoring for.The Lady’s FinancialÂ Bullshit List
B.S.I had to dig into my savings to cover my rent.Am I thinking that maybe any progress I make will be destroyed by my own financial incompetence? Maybe.I’m conditioned to think outside the box and use my imagination.In the meantime, I don’t think I’ll ever get to a point where I make “the right amount” of money because there is always change.I thought “sure, whatever.Send them my way.#1: I can never figure out my cash flow.
For some people, money just floats in and out of their lives.[On Caregiving Retirement While Keep Track How Savings To]
One thing I did was to fully automate my finances.It might mean to stop procrastinating and stop beating myself.
Essentially, I need to figure my shit out.I hated managing money.I’ll just pay it back.” But I didn’t because the same thing happened for the next 2 months (including this month.)
Today, I’m staring down a “pay or vacate” letter from the rental company and two $40 overdraft charges.
There are lots of competent and capable personal finance bloggers who admit to the occasional “whoopsies” financial mistake.In fact, I really hated money in general.It might mean pulling out my old vision board, or better yet, building a new one.While I fully appreciate logic and sequence, I profit far more heavily from my right brain than my left.[Points AF My Score 038 Credit Happy Im Dropped 47] More money equals more freedom to me and while I tolerate being a corporate loser I refuse to be a slave.[B Special Enrollment Approaching Deadline Its Not Too Part Late Medicare] I thought I was making enough money.I didn’t have to write checks and dig for stamps.If, by some coincidence, my readers struggle with some of the same issues, well….shit.It can also be one of the most empowering exercises you can do for yourself.Again, I tried to create elaborate systems but could never figure it out.Maybe.I wrote that request just today.DAMN IT. If you think this post is for you, it’s not.I need to re-evaluate what’s important to me at this time and take things one step at a time.[Bullshit My The Steaming Pile Financial Personal Of Owning Hot Lady8217s Confessions] I JUST wrote a note to my financial advisor that I’m “giving up” on my ROTH IRA contributions because my recurring payments have been returned (costing me fees) 3 times.I make more money now than I ever had before.As a result, my debt increased.The holidays threw things off.I’m not. Nah.I didn’t have to do much more than check to see if everything was clicking along.Should I maybe take the time to figure out if I can afford it first.I even began investing! And for a whole year, I had the financial bliss I always hoped for.They are easy to focus on and then you can proceed onto the next step.[What Going Ahhhh Ubers I IPO Do Will Be Do I Rich] Managing personal finances can be a struggle.Definitely.[Brings Atlanta Regions Bank To Banks High Tech]
B.S.But distraction, by its very definition, is a loss of focus.
More money equals more freedom to me and while I tolerate being a corporate loser I refuse to be a slave.[B Special Enrollment Approaching Deadline Its Not Too Part Late Medicare]
I thought I was making enough money.I didn’t have to write checks and dig for stamps.If, by some coincidence, my readers struggle with some of the same issues, well….shit.It can also be one of the most empowering exercises you can do for yourself.Again, I tried to create elaborate systems but could never figure it out.Maybe.I wrote that request just today.DAMN IT.
If you think this post is for you, it’s not.I need to re-evaluate what’s important to me at this time and take things one step at a time.[Bullshit My The Steaming Pile Financial Personal Of Owning Hot Lady8217s Confessions]
I JUST wrote a note to my financial advisor that I’m “giving up” on my ROTH IRA contributions because my recurring payments have been returned (costing me fees) 3 times.I make more money now than I ever had before.As a result, my debt increased.The holidays threw things off.I’m not.
Nah.I didn’t have to do much more than check to see if everything was clicking along.Should I maybe take the time to figure out if I can afford it first.I even began investing! And for a whole year, I had the financial bliss I always hoped for.They are easy to focus on and then you can proceed onto the next step.[What Going Ahhhh Ubers I IPO Do Will Be Do I Rich]B.S.No worries.Am I feeling a little defeatist and down? Perhaps.Things get more expensive and “savings” can be a greedy little bastard to feed.
Managing personal finances can be a struggle.Definitely.[Brings Atlanta Regions Bank To Banks High Tech]
B.S.But distraction, by its very definition, is a loss of focus.
Taxes are coming up and I have lots of organizing to do.[That8217s You But Have Do One They8217re Big Emergency Actually Yes Boring Enough Funds]
In short, I need to own my own shit and figure out how to move forward.It’s a sweet gig and I CAN’T mess it up.Variable income, poor organization.
Any sound familiar? These are all just excuses for slacking off on my personal financesâand I frickin’ know it.I get paid to figure things out in new, compelling ways.I forget that small changes can radiate out to big changes.The following is a list of my top 5 financial confessions.[Lady The With Investing Gets Serious Experiment Finally]
Sure, I started with a focus on debt reduction.I’m sorry.
For others, every dime is accounted for and given a job.[And Relationship Money Happiness Between The]
For others, it might be to save enough for an emergency fund.
Own your shit.Gosh, I’m glad I have that money set aside.But I also live in own of the most expensive areas of the country.[Made Youve Them To Actually Heres How Keep Resolutions Financial Your]
Blah, blah, blah.
A simple thought or idea would simply manifest itself in a most unusual yet undeniable way, and usually in fairly quick order, too.[On Wasting Now Money Right Stop You Can Things 4 Your]
The simple fact is that as you grow and change so does your money.Â While a certain amount of “set it and forget it” tactics are possible, your money will eventually want require your undivided time and attention.I FRICKIN’ KNOW IT.
The market is down.[What I People Other How Caring Stopped Think]
They shifted my accounts at work to so I need to spend more time there.
It’s very easy to become distracted by the shiny new possibilities that proper money management (and the education thereof) can bring.I tried so many different tracking systems but never found the one that made my cash flow in and out smooth.I respect that.[And Your Affecting Finances People Culturalism Color It8217s How Amongst Of About Truth The]
And it started happening more when I switched my world view from pessimism to optimism.
I’m focusing on my health and fitness.[GRIT Have Part Your How To Daughter 1 Raise To]
I have learned that staying on top of your finances is an ongoing process that takes time and energy.She compiles a list of her top 5 financial confessions.
In fact, now that I write all this, it’s not that I’m lazy.Stable income, poor organization.[Most Memoir Things Animated 3 The Profitable The Lady8217s]
I found a great guy and am investing time in building a relationship with him.
It might mean reminding myself that I am a plain old human woman with supernatural superpowers.[Talking Friends Should You Money Why About Be Your To]
Maybe I’ll develop a mantra.