Tag: accountability

Saving vs. “Living Life”

“Don’t save what is left after spending; spend what is left after saving.”

Warren Buffet

With social media at our fingertips 24/7, it’s easy to get caught up in the lives others are living (or pretending to live). With that, there’s been a shift in the mindset of young adults from saving their money to spending it as soon as they can, or “living life”.


“Well what’s the point of working if I can’t spend the money I make?”


If you’re asking this question, you have the wrong idea of the purpose of saving. For me, there are two main reasons to save:

  1. To have a rainy day fund – you’re on your way to work and your tire pops; the washer in your house starts leaking; you’re playing your favorite sport and break a tooth or leg – things happen when we least expect it. The best way to combat these situations is to be prepared as best you can by saving your money ahead of time. Otherwise you’ll be left scrambling, stressed, and broke.
  2. To spend on things I truly want – you’ve been so busy “living life” – buying new clothes every week and eating out at fancy restaurants (that are out of your budget) everyday, that when it comes time for that big purchase of something you truly do want, you don’t have the money to get it. Think twice about the smaller purchases you’re frequently making because that money could be saved towards a larger and more desirable purchase in the future like a trip to a new place, an opportunity to see your favorite singer, etc.

The truth is, you don’t have to choose between saving your money and “living life”.


Instead, choose between being responsible and irresponsible with your finances. It is possible to be responsible with your finances, save your hard earned money, and also live life by spending it occasionally on the things you really want. It’s time to quick holding yourself back by thinking for the now instead of the future. It’s true, tomorrow isn’t promised; but just in case it comes, it’s better to plan for living it as well.

I’m always working to be a better version of myself and hope my tips can help you on your journey. I’d love to hear back from you – comment below!


Reading is Power, or Did You Forget?

“Reading is a way to expand your mind, open your eyes, and fill up your heart.”

Oprah Winfrey

As kids, we’re taught to read for fun. As teens, we’re taught to read for answers. In college, we pay extra for notes – and barely read those. Along the way, we forget how important reading is for our minds and our progress in life.

Reading allows you to strengthen your mind’s ability to focus and interpret words. It allows you to see life and new experiences from a different perspective. Reading gives you information that can be used to spark conversation at home, with friends, and even in the workplace. It’s a power tool, and while young millennials spend an hour scrolling through posts that don’t teach them anything, the wealthy are reading for hours a day to grow their minds and their pockets.

Don’t believe me? Google how often Oprah Winfrey, Warren Buffett, or Barack Obama read! These are wealthy, successful individuals who constantly urge young adults to expand their mind in order to make a difference in our own lives and the lives of others.

Try this: challenge yourself to pick up any book, or listen to an audiobook, of your interest and give yourself a deadline to have read it by. Hold yourself accountable by telling a friend, writing it in your journal, making it your screensaver – you get it. I guarantee you’ll have not only learned something new, you’ll feel accomplished in achieving your goal.

Quit holding yourself back – It doesn’t work unless you try!

I’m always working to be a better version of myself and hope my tips can help you on your journey. I’d love to hear back from you – comment below!