Financial Mindset

- Financial Mindset -

Here are some basic concepts I have gathered together about a financial mindset:

- Your Net worth (wealth) is how much money you own. 

Net Worth: How much you have minus how much you spend/owe (or spend as an investment).

- How those subscriptions suck out your wealth - ↓↓↓

The snowball effect, ----> or expense over time, can be an insidious exponential expense over time that can build significantly

(Think, would you rather forget having Netflix $10/mo. for 10 months for $100 total or put that money in bulk towards paying off a necessity, i.e. new pair of glasses, car maintenance, clothes, etc..?)

+Imagine you and your family's money rolling up 💸 until it rolls down a hill into the trash! 🗑️ That is the snowball effect+

* The snowball effect falls into the same category as Interest fees on all types of loans *

- Pay more now, spend less later technique -

Equivalent to "Quality over Quantity" 

The idea that spending more now, such as wholesale bulk - buying method, and investing more now will result in having more value over time and therefore less expense and more wealth! 

Example: pay more now for an electrician to fix the A/C instead of continually overpaying because of a broken A/C system, which will end up costing a lot more over time.

-" wait a little get a lot vs. immediate gratification and receive less"-

So as the the saying goes "Easy come, easy go"... Many times our investments don't show immediate results, many times we have to wait, sort of the same way you would wait to see a plant grow, continuously caring for the plant until you see the "fruit of your efforts"

Another concept - exponential growth/decline, very similar to the snowball effect, every action you take even the smallest ones will and eventually build up to the point that they begin to affect a person's finances if not maintained properly.

So, there you have it - I know there are a lot more financial concepts out there, but these are just a few to ponder on. I hope you liked reading my article!

Have a wonderful day/night!

So many souls I love

So many souls I love. But how to be united in harmony & show my love in this life? And not to mention how life many times can turn out to seem unfair or unexpected... what more can I say? Do I have 100% control over how my life evolves, or anyone else for that matter? So much illusion, everyday is a pure gift and I know the Creator is watching over me. When it is my time to go, I will go. However, it's not yet time.

Plan to live forever, but live each day as your last.

skeletons in the closet

Skeletons in the closet

google search definition:

"a colloquial phrase and idiom used to describe an undisclosed fact about someone which, if revealed, would damage perceptions of the person;"

As I was reading the book Casamento Blindado (Bulletproof Marriage), 

in the very first pages, came the topic of revealing the past of each partner, essentially each person has their own personal baggage from their past that they carry along whether they like it or not - how they were raised, past experiences - it is a part of them because it is a part of their history.

To understand where we are now, and to where we are headed, we must first understand from where we come from in every sense and how that makes us who we are.

I am more than 100% sure that most every person has parts of their history that they are not so excited to share with the whole world at just any moment. They are things that are not so easily understood, especially in the wrong context could lead to many unwanted misunderstandings.

What do I mean specifically when saying skeletons in the closet? 

That definition depends on the personal perspective of each person,

for some the envisioned "skeleton" may seem so real but in reality be something entirely insignificant in that context. 

For example: 

A teenage girl afraid of revealing her talent of playing the violin for fear of unwanted attention.

The real "skeleton" perceived would be something that reasonably could cause some form of  misunderstandings that undermine or severely threat personal well-being/reputation. 

Usually and very often something very disturbing that is seen as "best left unsaid".

For example: 

(hard to write an example ... real "skeletons" are very disturbing, and many times go against social norms)

A mother is afraid of telling her young daughter that their grandmother has been involved in witchcraft.

Many times, couples get married with only but a superficial understanding of each other's histories. Much in part to impress one another during the dating part before marriage. This complicates their marriage because these skeletons in the closet are revealed naturally as time goes by, when these histories show to affect the life of the couple.

From a personal perspective... revealing the "skeletons in the closet" is definitely much easier said than done, when you are getting to know someone you never knew before there is a lot of space for misunderstandings. 

Trying to get out of your "shell", but then at the same time needing to understand who you are speaking to and how to measure the weight of your words.

Direction

Sometimes, many times, actually every day, 

we, each individual, receive signs and directions as to what to do & what not to do. 

Nothing is a coincidence. Everything has a lesson to teach us.

Absolutely nothing, not a text, not an annoyance, not a bad day, not a good day, not a technical glitch.... etc.... 

Many times our intuition tells us, from deep within to pay attention to a certain something in a certain way. 

At that exact moment we have a 

choice, either move that certain something to the forefront of our attention- without ignoring it - act  upon it in the way our intuition is guiding us. OR ---- Completely ignore and set it aside as if our mind is just making it up and/or it doesn't matter so much.

Many times I have been guided by my intuition and have chosen to push it aside because I just thought I was making stuff up in my mind that "doesn't exist" or "not so important" or "just a coincidence" or "I don't know how I'm going to do that."

For sure, nothing is "just a coincidence" and we must come to giving attention to our intuition. We must consider that there was a reason why we thought or caught our attention on a certain thing at a certain moment in a certain way.

Don't exactly justify everything as valid at first sight, our mind can and does wander, just be more keen on noticing the difference when our intuition is speaking louder than normal trying to get our attention - and give proper consideration with respect to all involved, in the past, present, and future.

Gift from the heart

Whenever I gave what I knew would be good to give, a smile, a tip, paying the rest of someone's bill, an unexpected honest compliment, a pat on the shoulder, 

a release of someone else's burden.... 

Doing good for the pure sake of doing good, expecting absolutely nothing in return. 

- Gd has always recompensed me in the most simplest to the most sweetly unexpected of ways. Always. 

Practicing self - control, 

waiting my turn, 

being patient, being self-less, thinking of other's needs and not just my own,  

opening my hand when necessary, accepting correction even when I thought I was 100% correct.

Accepting the reality, especially when things seem to not be going exactly as I expected it to be. 

Forgiving myself and others when my first instinct would have been to hold a grudge or self - criticize.

Gd always gives equal for equal, and for love & good - even more than we could initially expect.

Gd loves us and wants us to grow in the way that Gd knows we need to.

We are here, every heart beat, every breath in and out, because we have a purpose.

Never underestimate your affect on the world, the universe, on everything.

Simplicity

Simplicity

 Today simplicity has been on my mind. 

After so much time I have anxiously ran and stressed to complete my internal to-do-list, anticipating life, 

I stop to breathe, pray, meditate and think - 

"If I am pushing so much, 

stress, and time in this direction with little to no results, 

actually ending up most of the time exactly where I was before 

- despite all of my efforts, 

even trying new ways to achieve the same goal with the same boomerang effect..."

In a spiritual and reality driven mindset, the boomerang effect is a situation defined as clearly failed attempts that should be understood as pushing in the wrong direction.

Therefore the definition of insanity is further defined being characterized as irrationality;

So the boomerang effect in our own lives should serve as a sign, a  reflection of attempts in the wrong direction

So without further ado to continue my meditative thought, i did self talk to myself the following:

" I am enough. 

I know I have tried enough. 

I am constantly doing more effort that I possibly can, and more than I initially believed I could, 

to get where I need to be, 

as a person, as a family member, as a coworker, as a partner, as a soul... 

so now is the time to 

stop - 🚫

to stop 

anticipating, expecting, pushing, demanding, running, yearning, wanting....

now is the time to 

accept. ☑️

accept my current situation

accept and understand my efforts to improve the situation

accept I am not in full control of my situation

accept my own limitations

accept I may or may not have everything in my life the way I would like it to be

accept the pain, discomfort, impatience, 

pray to Gd and give it to Him, the Creator 

- let Gd take full control.

and

- surrender

surrender to life

surrender to truth

surrender to gratefulness

surrender to & accept the uncertainty

surrender to & accept the fear and anxiety

surrender to & accept the "failures"

✳️Be fully present

❇️Be fully alive

✳️Be fully love

❇️Be fully acceptance

✳️Be fully truth

Be simplicity - 

and just let life, go on."

Innocent whole heartedness

I remember 

when I was just a little girl who could barely reach the sink, and would write in colored crayons all over the house walls (then have to clean it up!), 

chalk on the sidewalk, 

flowers in my hair, 

ride my bicycle while not holding onto the handlebars, 

chew on icecubes from the freezer, 

walk endlessly with my sister & friends through the forest trail, 

28 goldfish in the house all at once, 

count how long I could hold my breath while hanging upside down on the monkey bars at school, 

under the community swimming pool or blowing a balloon as much as possible without popping them, 

sneaking out of the house at daybreak 5am breathing all the fresh air, fresh dew on the grass, sweet morning sun kissing my face, 

running after ladybugs & snails, contemplating my future husband and lifetime companion constantly in my mind, heart, and soul.... so free, so alive

But then adulthood kicks in, like a bullet in the back, like an uninvited guest, when you are not ready yet. 

Now suddenly patience doesn't exist, everything seems to now be necessary to fill a prerequisite, an expectation, an obligation to fulfill the status quo. To have what the colleagues have, what the neighbors have, what everyone seems to should have. 

To be married, to have children, to work, to have a car, the latest phone and technological gadgets, etcetera.... to survive

No stopping, no breathing, no blinking, no sleeping, no dreaming, no feeling, just going going going going....

sort of like visiting a new & beautiful  place but just passing through and leaving without taking any pictures, without gazing at the stars, without stopping to say hello to strangers, without smiling along the way, without savouring the food, without seeking the deeper meaning in the simple truth, the experience of reality in the current moment.

We stay so trapped thinking of the future and lamenting the past, we forget to cherish the moment and realize what we have here, and make the most of with the most innocent heartedness, with no regrets and only leaving true heartfelt love behind.

From some NDE's (Near Death Experiences) I studied, many recounted how our titles and worldly accomplishments do not matter, but that what valued most in Heaven and eternal life was how much we loved our fellow man... how much we loved with the Creator's love in this worldly existence. 

Not how much we succeeded, our what we succeeded in looking like a certain something, but how much effort we made to do our best in loving, in caring for our fellow, for our fellow creation, the world nature, animals, plants, oceans. 

Did we care to do right to the best of our knowledge? 

Did we make a point to love? 

To preserve life other than only looking after our own life?

How much effort did we make?

... It is these questions that are asked of us in heaven, the rest are unimportant details.

The simple faith we carried as children, 

we need to carry on this faith as adults, 

to love with all our heart, soul, and might.

with innocent observation and sincere heart, 

constantly learning and 

not judging ourselves so harshly in the process.