Something on your “to-do list” that never gets done.
My goals for 2024
So my time is limited because of my crazy working hours, but something that keeps getting pushed to the back burner are my taxes from last year. I freaked out last year because haha I have to pay back an obscene amount ( welcome to middle class status in America), so I basically ignored them, and now here I am in a new tax year but now filing in a different status cause of my divorce. The good thing is that my oldest just got his A.A in accounting so he’ll do them for me this month or next. I’m good with the turbo tax software, but my situation feels like beyond my comprehension, so I’ll let an expert do it. Something I also need to do is spend more time with my 2 youngest sons. It is hard because my youngest likes to spend more time with his friends, and my other son has particular interests, which include discussing the state of world affairs and watching depressing foreign films. But yeah, I need to work on my relationship with both of them. I even suggested playing fortnight with my youngest, but he told me it was cringe and I’m too old. Lol. I hope this time next month, I’m done with my taxes and find ways to bond my sons.
I always joke around that if I won the lottery that the first thing I would do is get pay for therapy for my parents and siblings. I’d send them self help books and a dbt workbooks. Haha. In actuality, one of the first things I’d do if I won the lottery is quit my second part time job at the grocery store but keep my day job for a while since I am a child of routine. I’d probably proceed to find ways to invest money so my kids could have generational wealth. Perhaps do one of those adult things like hire a financial advisor. I’d also start planning trips with my kids and my parents to Peru. I’d pay for a place for my ex to move into and pay for all of the moving costs. I’d get the braces I’ve always needed. I’d buy friends extravagant gifts and help them with any annoying household expenses they’ve had pending. I’d probably look into taking one of those gourmet cooking courses to learn to cook some fancy ass dishes. I would buy my oldest and middle sons cars. In the long term, I would plan to buy houses in the States and in Oxapampa, Peru. My long term plan would be to take my youngest with me for 2 months to Oxapampa and write in my little house in the mountains. Oh and of course, I’d buy a shitload of poetry and self help books along with pretty journals to write in.
Lost between fantasy and reality I stay Reality feels boring and monotonous and to constantly dream is free I dream of traveling, of success of stability within and it’s nice to stay lost in the fantasy of what I want my life to be But I can’t and must return to my reality of always working, of always hustling because my dreams won’t come true unless I work to make them happen
Life doesn’t always go the way we planned, and oftentimes our finances take a hit during these detours. Perhaps you lost your job because of downsizing, or you’ve struggled to find good-paying work. Or you could be recovering from financial debt from an extended illness or repair. No matter the cause, financial stress can feel inescapable. Fortunately, there are some steps you can take to change your situation. Life on the BPD explains how.
Consider Changing Careers
Unemployment is a serious problem, and many people have been out of work. The number of people reporting unemployment has varied a lot recently, but numbers are slowly decreasing. This is a great trend, but lost money during extended unemployment can impact you for a long time. And if your new job doesn’t pay enough, it will be difficult to financially recover from that deficit.
If you’re noticing changes to your work prospects with no end in sight, or if the type of job you were doing won’t pay enough to get you back out of debt, you may want to consider changing careers. Think about other areas of interest where your education and work history may be relevant. Consider going back to school. There are many options from traditional classes to night classes or even online degree programs.
Lastly, you may decide that you want to start a business of your very own. Beyond coming up with an idea for your company, there are a few things you need to do to get things started. First, you need to come up with a business idea. This can be something you’re passionate about or have experience in. Once you have your idea, you’ll need to start planning everything out. This includes coming up with a name, logo, and brand. You’ll also need to create a website and social media accounts. Once all of that is done, you’ll need to start marketing your business and getting customers. The best way to do this is by networking and using social media. Finally, you’ll need to continue growing your business by always being on the lookout for new opportunities. If you do all of these things, you’ll be well on your way to starting a new company.
Take Time for Yourself
Between work, family obligations, and worrying, you may find you have little time for yourself. This can lead to a vicious cycle of a lack of sleep and anxiety. When you’re stressed and not getting enough sleep, you’re more likely to eat poorly, which only worsens the problems. Instead, do something just for yourself. You could read a book, take a relaxing bath, or exercise. Engage in anything that takes your mind off your financial problems.
Reevaluate Goals
It may feel overwhelming, but now is a great time to reestablish your financial goals, since you are dedicated to getting yourself back on track financially. Take a look at your current goals and decide if they’re still feasible. It may be time to alter them to adjust to the economic climate and extend the overall timeline. Set positive goals with smaller sub-goals so that you can see your progress. But also push yourself towards a challenging final goal. You may be surprised by what a little positive anxiety can help you accomplish.
If you’re not sure how to set new goals, consider working with a financial planner or doing some online research. They gather helpful information about financial planning, including professionals who can come alongside you to create and support these goals and present them online. A little guidance can go a long way!
Create a New Budget
Budgeting helps you know exactly how much money is coming in and going out. You know how much you can save monthly and how much you have to enjoy.
However, when situations change your budget needs to change, too. You may currently have more costs related to your household, potentially less income, and possibly fewer entertainment options. At this point, it’s time to create a new budget with all this in mind.
Once you have an accurate, up-to-date budget, you should look for areas where you can spend less and save more. With an uncertain economic climate, it’s more important than ever to have a nest egg.
Consider Refinancing Your Home
The pandemic brought about historically low refinance rates. Look at your options, because you could save yourself money each month and in the long run. For example, you can look into cash-out refinancing, which replaces your current mortgage with a larger one. You then receive the difference between the old and new as cash, which gives you some money to use however you choose.
If you’re interested in refinancing, you’ll need to gather some information first. When you cash out or take a home equity loan, the lender needs to know your home’s current appraisal and the amount you still owe on your house. The appraisal will determine how much your home is worth now so that your lender can calculate how much equity you have in your home. The equity is the amount of money your home is appraised for minus the amount you still owe on your mortgage.
Don’t Let Hardships Take a Toll on Your Finances
Life has a way of surprising us – sometimes for good and other times not-so-good. Even if you’ve experienced some financial hardships lately, don’t let them completely derail your finances. Take a deep breath and reevaluate. Then, take steps today to start putting away money, even if that means you have to make a career change or reevaluate your budget.
I’ve made taking selfies at work part of my routine at work I bring style, beauty, and entertainment to my job-they’re lucky to have me
Do you enjoy your job?
It’s a moody Monday full of dread and adult angst but to work I go even though I don’t want to I’m rather stay home creating new worlds that bleed from my mind in my sweats and sans bra but bills need to be paid so I put on appropriate attire to face my Monday to Friday hostage situation put on my customer service voice I’ve perfected and turn on my fake positivity all because my passion doesn’t pay the bills yet but it’s okay, i say to myself because this hostage situation is temporary
Life on the BPD 