DON’T LET SOCIAL MEDIA KEEP YOU BROKE

Mindless scrolling will keep you broke. Consuming too much social media will keep you broke. The endless amount of content that people put out there and sell will have you thinking what you have is never enough, outdated, out of season, or just wrong. Please keep in mind they make a commission, receive products for free, and often times return product back to the store after posting.

We live in a world where over consumption is keeping everyone broke trying to keep up with the latest of latest.

News flash, you don’t need a tiny home size closet. Having a wall of shoes that you probably only wear once is unrealistic. That is a waste of money. No one needs 30 pair of jeans. 20 white shirts. Please take the fashion inspiration and filter the rest. Also wear what you want. Who needs a new wardrobe every season? All it takes is investing in a few good pieces to create multiple outfits. Think about it, many of us grab the same pieces to wear to work, do errands, lounge around, and even during exercise.

Next, take it from me, a beauty junkie, there’s absolutely no reason anyone needs 10 foundations, 15 eyeshadow palettes, 40 lipsticks, and 20 bronzers. First of all, you’re never going to use any one product until it’s gone. Money wasted. The product does expire. And the rate these cosmetic companies are putting out new products it’s just useless, wasteful, and unnecessary. Many of your favorite gurus don’t even use the product after posting. Again having a closet just for makeup is unrealistic. Get you the basics you need and replenish as needed.

Talking about social media keeping you broke, who has the time and money to go on 4 lavish and exotic vacations every year. In the real world, a family barely takes one vacation a year. Don’t let social media think you’re not living life if you aren’t jet setting across the globe. Spoiler alert: some of them aren’t either. Much of what you see is FAKE!!!!! You can have a great life experiencing local festivities and activities.

Ok, this is the last one and it’s a doozy. Before you check out of your Amazon cart, ask yourself if it’s a need. I love watching “25 Things You Didn’t Know You Needed From Amazon”, but I don’t go buy them. I guarantee, if you look around your home, there are items purchased that aren’t being used. Just gadgets that seem cool, fun to look at, or great concept for a one time use. Everything should have a place and there’s a place for everything.

Social media can be a great tool for inspiration. But leave it there. Keep things in perspective. Be realistic. And while they are making a great living don’t you go broke buying everything they recommend because “it’s a must have.” ALL MY SOCIAL MEDIA APPS DELETED

Ironically this will not only help your wallet, but your mental and emotional wellness also. A few years ago I began getting irritated by all the clothes that still had tags on them in the closet. Shoes, especially tennis shoes, that I forgot about because I had too many options or my lifestyle just didn’t provide me the opportunities to get a good wear out of all I had. It pains me to talk about the amount of half used makeup I threw out because I had too much or it was sitting for too long.

I took my own advice after looking around my home and seeing money laying around and wasted.

That’s when the lightbulb went off. The first step in getting to a great place mentally and emotionally is going bare. I began selling clothes and shoes that I didn’t wear. If I had’t worn it in a year I was selling it. If I forgot I had it, I sold it. Let’s get to know me and heal me without all this “stuff”. It’s an amazing feeling. No distractions, you making some money on the side, and learning to be comfortable as you are.

Don’t let social media keep broke or make you go broke. Use it for inspiration, ideas, and entertainment. But just like they do, use a filter and get rid of the excess. Be well!!!

RosalynLynn

Be you so you can be free.

HOW RISKY ARE YOU: TO QUIT OR NOT QUIT YOUR JOB

Since the pandemic many have had an awakening of becoming their own boss versus working the current job they have. They had an epiphany about what they missed out on, financial freedom, flexibility, and being appreciated. However, depending on who you ask there may or may not be a right or wrong way to go about it.

The Risk Taker

First you have those that says I’m going to bet on myself. I’m tired of working a 9-5. I want to be my own boss. They want the flexibility to work or create when they are most effective. The risk taker also is someone who has many ideas, creative, and very social. They have much confidence in themselves and says I’m going to win no matter what. The risk taker says if you have a plan B, then you aren’t putting all your efforts into Plan A. So of course you’re going to have to rely on Plan B one day. FINANCIAL MINDSET: WHICH ONE ARE YOU?

As Steve Harvey once said, “If my plan A doesn’t work then I’ll create another plan A.”

There isn’t a certain time to be stable to branch out on your own. Anything can happen. The more you try to work and save until you have enough, the longer you’re prolonging your dream and happiness. The comfort will always have you pushing back the deadline to begin your own.

The risk taker may also feel the company can shut down at any moment. They can lay you off without warning. Cut positions, hours, and benefits. Then where will that lead you.

The Cautious One

Next, we have those that says I have a family and bills. What about insurance. What if something happens. They are used to that guaranteed amount and needs that security “just in case.” It’s best to save at least six months, some say, before quitting your job. You need to make sure you’re financially secure and the family is stable while pursuing your dream. It’s all about security and comfort.

So do you quit your job and bet on yourself? Or keep that stable job until you feel you’re ready to stand on your own. Either way there are pros and cons to each. Depending on your life, lifestyle, circumstances, financial status, and many other factors. They both have the same end goal. To be financially free and to have something to pass down to their children. Doing what they love. Having fun. At some point working minimum hours while receiving maximum profit.

I’m a believer in your job or career should fit into your life not your life fitting into your job.

Which mindset are you? Quit or not?

RosalynLynn

Be you so you can be free.

FINANCIAL MINDSET: WHICH ONE ARE YOU?

After hearing two coworkers different point of view about finances, budgeting, and saving it had me think about my point of view on finances. Which mindset of the financial spectrum did I fall on? One coworker said she only lives once. Therefore, she buys what she wants, when she wants, and doesn’t particularly save. She pays her bills in full every month. After that, she and her husband live their life. They didn’t believe in the rainy day. “I can’t take the money with me when I die.” Hmmmmm…….

The other coworker was on the complete opposite end of the financial mindset. Her and her family budget everything every month down to the entertainment, eating out, and extras. She said if she goes to the store and get to the counter and the total is over what she planned she will stand there and determine which item she needs less and put it back. Whenever the budget runs out for that category, that is it until next payday or it’s time to budget again. They also have a set savings amount each month. “We just don’t know what’s going to happen.” Hmmmmmm……

So that leads me to the question of which mindset are you?

A. Tomorrow isn’t promised so I’m going to live each day like it’s my last. I’ll worry about tomorrow and what is needed then.

B. I like to be prepared and make sure I have everything I need. I never know when an emergency or unexpected situation or expense may occur.

C. Some where in the middle.

D. Haven’t thought about it.

What’s your financial mindset? Which aisle of the spectrum do fall on? QUICK FINANCIAL WELLNESS TIP

RosalynLynn

Be you so you can be free.

QUICK FINANCIAL WELLNESS TIP

I don’t know who need to hear this but you can’t solve money problems with money. A quick wellness tip for you on this Wednesday, is to stop trying to figure out how to get more or make more. The more money you make, the more bills you have, the more debt you’ll have.

Yes, the world seems to have taken us all by storm, again. But to stay ahead and get ahead you must change some daily habits. First is changing or shifting how you feel about money. What is your relationship with money? Secondly, look at your daily spending. Is it necessities or wants? What can you do to cut back? Have you been budgeting? When was the last time you tracked your spending. https://amzn.to/3mQ1uh7

To be honest, you’ve probably been working overtime to make ends meet, has it worked for you? Or have you found yourself in the same spot that you were in last pay period? Meal planning, grocery planning, car pooling, and daily household planning are good beginning steps to begin your financial wellness journey. Also, playing catch up is never a good idea. If it’s food items, cleaning products, hygiene products, or even gas, not letting it run too low or get empty is key to keeping your nose above water. Money Jar Saving Method for easy saving

I know this is extremely difficult. Milk is even out of budget. Think about meals that can last for two days or have leftovers that you can cook. Make a plan to only go to the store once a week or every two weeks depending on your budget and family needs. That will save on gas. In return, the less trips to the store, the less you spend. Google events and activities in your area to go to for free. You and your family can still have fun and enjoy life.

I know this is a difficult time. But just as with anything else, this is only temporary. Making the choice to tackle it and be proactive instead of reactive will help ease stress and pressure. Start with tracking your daily activities, what’s coming in and going out, and then create a plan. “If you fail to plan then you plan to fail.” #healthiswealth #financialwellness

Have a great day everyone!!!!!

RosalynLynn

Be you so you can be free.

YOU HAVE EVERYTHING YOU NEED TO START A SIDE HUSTLE

Within the last year and half the idea of a ”side hustle” has really been pushed. There is so much advice, tips, and tricks on how to begin a side hustle that could make one overwhelmed. The one thing that you need to know if you want to create a side hustle is that you have everything you need to begin.

Most of the time people side hustles are what they are passionate about or some hobby that they enjoy. Well you can do that with what’s in your home. Whatever you are good at you can begin to create and sell. You have everything you need to start a side hustle and let the money work for you.

To begin with the obvious, many want to start their own Youtube channel. Well you can. You have a phone and it records. So you have what you need to begin. You have a story to tell that inspires someone. There is also a gift in you that is ready to come out. I know there are many who started their Youtube channel just using their phone. You don’t need to spend money on equipment to begin. That will come when it’s time.

The next is to start a blog. Once again you have a phone or IPAD, then you can begin to create your own story on the web. We have to get out of our head that we need all the bells and whistles to begin. When in actuality, if we had the bells and whistles we wouldn’t know how to use them correctly. Yes, there are some who started their blog on their phone or whatever device they had handy. By the way, your story is what’s going to capture your audience. You already have everything you need.

Next, side hustle you can do because you have everything is retail reselling or selling what you no longer use or need. There are many platforms and apps you can download on your phone that you already have, to begin selling items in your home and closet that you no longer use. Go through your home and pull everything that you haven’t worn or used in a year. I guarantee you, you will generate additional income. Your phone allows you to download the app, take photos, edit the photos, upload photos, create the listing, and sell the listing.

If you are good at baking or cooking, you can use your phone to market yourself on several apps you already use to cater events. Begin locally and let it grow. You have everything you need to create a free website to sell whatever goods or services you are good at. Self Care: Hobbies and Activities After all, we all have something we are good at.

There are so many other ”side hustles” that you can do to generate additional income with what you have. I know you’ve seen many articles and other content on side hustle ideas. You have everthing you need to begin. We all have something that we are passionate about. Furthermore, we all have a hobby that we love doing.

Using your talents and gifts that reside in you already, allows you to begin any side hustle you desire. If you’re good at organization, creating travel plans, planning, transcribing, writing, or many other ideas you can begin now. Use what you have to begin. Please don’t make the mistake of thinking you have time. On the other hand, thinking you need money and resources to begin. Build yourself up and you’ll enjoy the process.

P.S. This is not a post to tell you you should start a side hustle, its for those you’ve been thinking about it. They are waiting for the right time, or when they get the money to begin.

RosalynLynn

Be you so you can be free.