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The Nerd Notes: Funny Money

2018 has been…interesting. Realistically 2018 didn’t start January 1 for me. My depression had me curled up in bed most of January whilst others were embarking on their personal goals. I didn’t really have any major goals lined up so I just felt lost. It is not February 24th, I watched Black Panther last week and whilst I am in no rush to suddenly conquer the world, I am committed to changing my life for the better; starting with my finances.

In the last 10 years I have accumulated a fair amount of debt, and to be honest my finances have run away from me. I am not an anomaly, a lot of people don’t really understand finances. There is a vast difference between recognizing money and knowing finances. You see, for most folks; the goal is to get a job that pays the bills, feeds themselves + their families, purchase some goods and maybe even go on vacation. Most folks want to keep money matters as simple and easy to understand as possible. For a lot of folks simple = avoidance.

However knowing finances is about understanding budgeting, investing, saving, value and solvency, the most powerful aspect being solvency- the ability to take care of all your money needs without debt. In June 2017, the Atlanta Journal-Constitution reported, “MoneyTips conducted an exclusive online survey in June of 410 people on the topic of credit. 71% of the respondents said that they knew their credit score, while 29% admitted that they didn’t know. Less than 53% of adults under 30 said they knew their score, as compared to more than 75% of older adults. And 52.9% of those making $30,000 or less annually didn’t know this key number.

Whilst these stats are applicable to the US population, Canadian debt and insolvency are on the rise, in fact Canada now leads the world in debt. According to 2017 reports in McLean’s, “A report from the Canadian Centre for Policy Alternatives found household and corporate debt-to-GDP increased 20 percent between 2011 and 2016, blowing past Australia’s 14 percent gain. And in September, the Bank of International Settlements warned the country’s debt levels are putting it at risk. Household debt is more than 100 percent of GDP in Canada, according to the report, surpassing other developed countries such as South Korea, the U.S. and U.K. While most countries have seen their levels of indebtedness fall since 2007, Canada is a rare exception, digging itself deeper into the red. “.

So for the month of February, I decided to focus on establishing the right foundation for financial solvency and freedom. Now that I have my the right foundation to get my financial act together; over the month of March, I will be sharing what I learned with you, in the hopes that it will help you avoid my mistakes or help you get your act together.

I will cover tools, resources, processes, and options. Finances can be intimidating and overwhelming but they are not impossible to learn, manage and master; even if it is just the basics. The more you know the more empowered you are and I want to see you win.

 

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  • Been quiet for a minute and I will probably be quiet for several more. I am busy building the table that I want to feast from till I retire. I promise when I come back, it will be worth the wait.
  • We often see other people's success and feel that our own lives are lacking. Most folks do not take into consideration the time, energy, sacrifice and hard work required to achieve the glamour and glory that the public end up seeing.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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In the age of social media filters, fake news and "reality" tv, instant success is the lie sold to many. The reality is that when one focuses their time and energy on what matters most to them, there will be growth, progression and success.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#inspiration #makeithappen #illgrammers #femalefounders #empoweredwomen #girlboss #brandingbabe #shehustles #entreprenuership #beyourownboss #womeninbiz #womensupportingwomen #digitalmarketing #bossbabes #risingtidesociety #prettyandprofesh #career #richchicksociety #calledtocreate #browngirlbloggers #savvybusinessowner #thebrandedlife #createcultivate #blkcreatives #femaleentreprenuer #girlpower #blackgirlmagic #brandstrategy #goaldigger #ladyboss
  • I have struggled with my weight and health for the last several years and I am now at a point where I just want to be consistently healthy and happy. So I signed up for a gym membership (which I commit to using), and now I just need to develop a better relationship with food.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Which is why I will be testing out the OMAD lifestyle for the next while to see if it is the right path for myself.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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How do you stay healthy? ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#girlswholift #girlswithmuscles #fitness #wellthy #legsfordays #weightloss #healthyliving #librafit #cleaneating #selflove #consistency #toronto #thunderthighnation #cardio #progress #squatsnoshots #lifechanges #fitness #sweatequity #fitspo #meditation #fitgram #plantbasedathlete #bikinibody #betternaked #transformation #fatloss #intermittenfasting #fitthick
  • Having to reprogram how I see challenges, hinderances and failure has been one of the greatest lessons I am learning this year.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It isn't easy to get knocked on you a#* and see that as an opportunity, but in order to move forward I have learned that is necessary to acknowledge even the more painful aspects of the journey as part of the journey.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#namaste #life #lavienoire #create #businesswoman #bossbabes #truth #illgrammers #saltlife #makeitcount #lifestyleblogger #beauty #style #brandstrategist #prettyandprofesh #risingtidesociety #therapy #selflove #investment #luxurytravel #finances #wanderlust #fitness #vegetarian #glowgetter #createcultivate #growth #instadaily #happiness #inspiration
  • Had to take a break to make sure that I was Oh K. Confidence has been pretty low and I had to dig deep to find the push.

Grateful for a recent mini crisis that helped me remember what I am capable of.

Are you Oh K? :
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#namaste #life #lavienoire #create #businesswoman #bossbabes #nyc #illgrammers #wellness #makeitcount #lifestyleblogger #toronto #style #brandstrategist #prettyandprofesh #blackgirlmagic #mentalhealth #selflove #investment #luxurytravel #finances #wanderlust #fitness #vegetarian #glowgetter #createcultivate #networking #instadaily #miami #inspiration
  • One thing that has always been a struggle for me is patience and perfectionism. The desire to do great things yesterday.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Life is teaching me to enjoy the journey.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#inspiration #makeithappen #illgrammers #femalefounders #empoweredwomen #girlboss #brandingbabe #shehustles #entreprenuership #beyourownboss #womeninbiz #womensupportingwomen #digitalmarketing #bossbabes #risingtidesociety #prettyandprofesh #career #richchicksociety #calledtocreate #browngirlbloggers #savvybusinessowner #thebrandedlife⠀⠀⠀⠀⠀⠀⠀⠀⠀
#createcultivate #blkcreatives #femaleentreprenuer #girlpower #blackgirlmagic #brandstrategy #goaldigger #ladyboss
  • I have had my eye on a cruiser since last year. I made it a point to invest in one this year, because I have plans to enjoy Toronto's waterfront and parks this year. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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My therapist and doctor recommend me getting outdoors more, so I figure why not take up biking. Was originally going to purchase instore until I came across some great finds on @kijijicanada. Now I have a new baby, all that is left is a serious lock and plenty of adventures.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Could anyone in the GTA recommend some great bike trails in the city to explore?⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#namaste #life #lavienoire #create #businesswoman #bossbabes #truth #illgrammers #saltlife #makeitcount #lifestyleblogger #beauty #style #brandstrategist #prettyandprofesh #risingtidesociety #therapy #selflove #investment #luxurytravel #finances #wanderlust #fitness #vegetarian #glowgetter #createcultivate #growth #instadaily #happiness #inspiration
  • Patiently waiting on Spring to properly arrive so that I can get back to hiking outdoors every morning, but in the meantime, I am focused on consistently being in the gym and getting stronger.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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I made a choice to eliminate measurements like weight, progress pics, dress sizes and inches because I risk becoming obsessive and falling back into unhealthy binge-starve eating cycles. The desperation to lose a certain number of inches/pounds by a certain date in order to fit a certain aesthetic has had me hospitalized twice. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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These days, the only thing I acknowledge is the number of days I am active and the increased weights in the gym.  Everyday that I invest in my health is a victory and a gift of self love as well as self care to myself.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Those are stats worth keeping track of.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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#girlswholift #girlswithmuscles #fitness #wellthy #legsfordays #weightloss #healthyliving #librafit #cleaneating #selflove #consistency #toronto #thunderthighnation #cardio #progress #squatsnoshots #lifechanges #fitness #sweatequity #fitspo #meditation #fitgram #plantbasedathlete #bikinibody #betternaked #transformation #fatloss #intermittenfasting #fitthick