I ask this question because: I was talking to my joe-job manager recently, jokingly, about how we were going to muntiy. I would become the store manager, and she would take on the regional manager’s job, who we would promote up to the next step and so on.
But here’s the thing – if you’re a manager with most corporate retail jobs: their standards are two pay-grades above you.
What does that mean?
I have not encountered a corporate (retail) joe-job where anyone expects your life and mental health to be prioritized above the company.
‘Work doesn’t revolve around your life; you work, so that you can have a life.’
To which I say: UM. NO.
Funny story – two summer’s ago my Dad tried to ‘fix’ the weeds in the grass by spraying it with weedkiller… using the reference picture above, you’ve got one guess to figure out exactly how that went. Turns out, ‘weedkiller’ was actually ‘killex’, which is much less discriminatory with what it kills. It only took two weeks for our grass to shrivel into yellow straw, but thankfully it didn’t kill the tree in the front yard.
The lesson in this? There are things you can do yourself, and things that you… can’t. Here’s a couple things that didn’t explode or die after we used the tried and true google and youtube methods!
While I definitely don’t suggest tackling things yourself that you’re not comfortable doing (I, say, would never attempt to do my own makeup, because that would be a disaster if I could actually manage to get makeup tool to face – I’m a blinker and an unconscious ‘moving away from you slowly because I’m terrified’ type of person), there’s nothing wrong with taking a whack at something you might think will be within your abilities.
I’ve got three DIY projects that were accomplished to varying success (the pizza was delicious the last time, I swear).
Summer has ended with the subtly of a 50 car pile-up on the highway, and I’ve gone from sweating to cold toes in the span of three days.
I’m not happy.
As much as I like cozying up to the fire with some tea (or coffee) and an engrossing book, cold itself is inconvenient and makes my extremities feel weird – or numb, if we’re being dramatic.
There’s a few things you can do to fight off the chill, and fight off the impulse to start happy-spending. It’s not Christmas yet folks, despite what Costco and store inventory is telling you!
10 Ways To Fight Off Fall (Especially in Canada)
Can the principles of Emergency First Aid be relevant to personal finance? Hell yes! And how is that you ask?
(Immediate side note: I challenge everyone to find something I can’t relate to personal finance!)
The principles apply because in Emergency First Aid, the goal is to keep things simple, and literally not make the situation worse.
Disclosure: I’m not a medical professional. I’m not a Emergency First Aid professional. Using this post as your sole foundation for Emergency First Aid is like me using the real Emergency First Aid class to practise like Dr. House. Furthermore, the specifics of Emergency First Aid will vary depending on where you are and what your skills and training are. This is not a real first aid course, it’s an application of emergency first aid principles to personal finance.
Now that that’s out of the way (seriously, call 911 or your equivalent if there’s a real medical emergency!!), here’s a rundown of the A B C’s of Emergency First Aid (in my province):
- Circulation (meaning blood)
And the corresponding A B C’s of Emergency Financial First Aid:
What’s plot got to do with personal finance? Everyone’s financial journey resembles a story arc, complete with plot twists, plot holes, drama, and conflict. We’ve gone through how to start earning money, and some tips for that. And there was a post on building net-worth, and the steps in accomplishing that. Now we’re going to talk about retirement, and how to figure out where that climax of your financial story arc is.
How does this relate to personal finance?
Because it’s not just about finance. It’s about PERSONAL finance, and that means you. I’ve always had a knack for saving my money, and the money I have right now is a combination of that trait, the privilege of where I live, and the circumstances of my birth (parents, family, socio-political situation, etc.).
But your personal finances are just a pile of money and theory without you. You are the single most important factor in your finances. If you’re not in a headspace where you’re productive and happy, your personal finances are going to reflect that.
There’s something universal about getting stabbed in the heart. The way your chest sinks and you feel like you’re drowning in air; the weightless daze that makes the ends of your nerves tingle with an unsettling sensation that doesn’t feel normal.
It’s comfortingly human – the how and why might change, but every single person out there has experienced that emotion of heartbreak. Best friend betraying you? Significant other betraying you? Realizing things aren’t the way you thought they were? The weight of your debt finally settling on your shoulders?
Work smarter, not harder.
I was chatting with a friend the other day, and he said those words when we were talking about our work lives. I can’t remember exactly what we were talking about, but I know it had something to do with my constant surprise with how low the bar was set for productivity in the workplaces I’ve been in. To which he responded: “That’s because we know how to work smarter, not harder.”
And he’s right – ish. I’m by no means an expert at it, but I do make an effort to work smarter, and be more efficient in what I’m doing. And I think that’s a really important perspective to have for anyone in a workplace. We all have finite time in our days, and in our lives, so putting that time to the best use possible is paramount.
There are benefits to working smarter and not harder too:
- Getting more done in less time
- Expending less energy to get those things done
- The self-satisfaction that comes with those accomplishments
- Being seen as efficient and effective in the workplace
There’s a lot of different resources out there dedicated to telling you what kind of credit card would be the best kind of credit card for you. And there’s also a lot of people who have different opinions on them – but I think most personal finance bloggers I know agree on this principle:
Take advantage of credit card points and savings, but only if you’re going to use your credit cards like a debit card.
That means, at the end of every billing cycling, you pay off the entire balance of your credit card, no exceptions.
I’m over on The Frugal Farmer this week, with a guest post about how you can save money by managing expenses proactively, instead of reactively.
Mosey on over and check it out!
Ways To Save Money By Managing Expenses Proactively Instead of Reactively
my full day of snacks and food for 10+ hours in a car alone
I put a lot of time and effort into proactive actions and solutions. For some people, it’s not second nature, but there are steps you can take to help take the stress of the unexpected off your shoulders!
Thinking ahead is good for your finances, for your wallet, and for your peace of mind.
Do you fall on the reactive, or the proactive side of things?
There’s a vortex that’s trying to suck all of us in, and it’s called comparison. And it’s got a really good friend called perspective that’ll sometimes let you wander to the edge of that vortex. When perspective decides to take a hike, comparison swishes on in and decides to take you out for a ride – and not the good kind.
Comparison is the death of individuality, and the beginnings of the slippery slope of dissatisfaction.
You can’t use other peoples lives as a reflection of the milestones in your own – we each have our own yardstick, and to measure one with a yardstick that is not unique to them is lunacy.