Hi!

I feel that everyone needs some sort of creative outlet, or passion project. This is mine. I share original and curated content of everything from photographs of my home, to my love for plants, to my carefully curated playlists. My hope is that this blog will serve as a source of inspiration for you as well. 

Cultivating Habits: Finances

Cultivating Habits: Finances

We are what we repeatedly do. Excellence, then, is not an act, but a habit.
— Aristotle

After careful consideration, I finally made the decision to consolidate my credit card debt into one monthly payment. This is something I've been wanting to do for quite some time, so this is a super huge deal for me. Before making this decision, I constantly lived with this feeling of never being able to see the light at the end of the tunnel in regards to this debt. I won't disclose just how much debt I have, but let's just say, it's enough - enough for me to decide, "Enough is enough. Time for plan B, because this shit ain't workin."

You know, even though I still owe this money, I instantly felt relieved when I saw my 7 card accounts (THAT number I WILL share) read $0 balance - there is no payment due at this timeI almost wanted to cry. It felt damn good. In fact, it still feels kind of surreal, to the point that I look at my accounts just to make sure the balance still shows that big zero. It's all psychological I suppose because yes, I still have to pay this consolidation loan every month, but now, I only need to worry about one interest rate. One creditor. One headache. Not 7. Feels like a weight has been lifted off my tiny little shoulders.

I'm also elated because my credit score recently increased by 37 points. I've had decent credit for a while, but the goal is and will always be maintaining a credit score of 800-850. I've been fortunate (and responsible) enough to always pay my bills on time (the ones that matter). I've worked really hard to maintain the credit score I have, and my goal is to keep my name in good standing.

Moving forward, I want cultivate this habit of financial responsibility, and focus on not only becoming debt free, but staying that way. I've been down this road before; I've had credit cards, paid them off, and ended up back in the same situation. Hey, I'm not ashamed of this; it was a learning lesson (just kidding, I'm ashamed as fuck). But this time, I'm making a conscious effort to stick to a life of debit or die. Using credit cards is no longer an option (at least not for the next 6 years, and even then, the two I will keep active will only be used responsibly and for emergencies only). I have to start resisting the urge. I don't care how badly I want that new camera or that new dining room set - unless I save up for it or sell some shit I already own, I can't buy it. It's all about deciding that you want to make a change, and actually making that change.

Cultivating Habits: Morning Rituals

Cultivating Habits: Morning Rituals

Spring Cleaning: Letting Go

Spring Cleaning: Letting Go