Annual Day of Caring

Photo by Robert Baker on Unsplash

Monday was my company’s fourth annual Day of Caring. Every year on President’s Day all 125 of our employees have the opportunity to volunteer at a place of their choice instead of working. President’s Day is a bank holiday which means that the stock market is closed. I work in finance so bank holidays are a great day for my company to give back to our community without missing out on the chance to serve our clients.

My department chose to volunteer at a local food bank that helps provide meals to families in need and weekend packs for school children who only get food at school during the week.

This is my third year volunteering at this food bank and I can honestly say that I really enjoy it! My team loves to make everything a competition. We usually break into two teams and race to see which team can create the most weekend pouches or who can package the most cereal containers.

I love that my company encourages us to go out into the community and make an impact. We have various other events throughout the year that focus on individual non-profits in each of our markets.

Our Day of Caring really means a lot to me because there were many times in my life where I was unable to donate money and resources. As a college student especially, the only thing I was able to donate was my time. No matter how big or small, you can still make an impact.

This year my team packaged over 1300 weekend pouches! This beats the record of 987 that we set two years ago. We hustled and worked together to create an efficient packing system in order to pack as many weekend pouches as possible in our time at the food pantry. It was also great team building!

Do you enjoy volunteering in your community?

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Photo by Robert Baker on Unsplash

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8 Tips and Tricks to be more Financially Responsible

Learning How To Become Financially Responsible - How I graduated from college debt free plus more tips and tricks for saving money

 

Hey friends,

Today I thought I would share a little story with all of you. I get asked a lot of questions by friends and acquaintances about how I can be so young but so responsible. I always have a hard time explaining that I ended up this way based on the lessons my parents taught me growing up. I was extremely lucky to learn these lessons at a very early age. I didn’t always understand the “why” but I did understand what was expected of me.

I was lucky growing up. Both of my parents had jobs, we had a house to live in, drawers of clothes to wear, and there was always food on the table. However, I felt like the one girl in my class who did not have a Barbie Dream House. You know, the giant pink house with an elevator and fireplace with room enough for Barbie, Ken, and all of their friends?

I can remember going over to my friend’s house and playing with her Barbie Dream House. I wanted one so bad and made sure to tell my parents at every opportunity. I didn’t understand why they wouldn’t buy me one. They had jobs and I had lots of Barbie’s to put in the house. Didn’t I deserve a Barbie Dream House?

The answer is no. I was surrounded by Barbie’s, American Girl Dolls, and numerous other toys. My parents did not have a lot of disposable income but we still received many gifts and toys at Holidays and for our Birthdays. I can now appreciate all of the sacrifices my parents made for us.

What I didn’t know at the time, was that my parents were putting money into a CD and a savings account for me and my sister. The money that they could have spent on more toys for us was put into these accounts to save for our college educations. When I babysat or got money for holidays, my parents made me put half into the bank. I could spend or save the other half on things that I wanted.

Now I realize that this is the most important life lesson my parents taught me; how to be financially responsible.

I started working my junior year of high school and worked all the way through college. Here’s the cool thing, I wanted to work. My parents never forced me to get a job. I saved my money for tuition, books, a new car, etc. I took a lot of pride in being the only person in my college orientation group not relying on their parents for everything.

I graduated from college debt free. Partially because my mom works at the university but also because I knew how to save my money and applied for scholarships to help make up the difference.

Here are a few of my tips and tricks for managing money:

  1. Like my parents taught me at a very early age, put at least 50% of whatever you earn into the bank ASAP. That way you are not tempted to spend the money before it has been fully accounted for. For me, this includes my bi-weekly paychecks which are automatically deposited into my bank account as well as any birthday or holiday money that I may receive. My personal preference is to deposit 100% of my money into the bank first and then decide how the money needs to be spent or saved.
  2. Set financial goals for yourself that you would like to work towards. My main goal right now is to pay off my car and build another bathroom in our house. Since I know my goals it is so much easier for me to save money.
  3. Put $1,000 into an Emergency Fund for any crazy things that happen along the way. Life is crazy and there are always expenses that happen that we didn’t plan for. It’s great knowing that you have an emergency fund to fall back on if needed.
  4. Have different accounts for different reasons. My bank allows us to have several savings/checking accounts with the ability to name them whatever you want. I have a “house fund” and an “emergency fund” in addition to a couple of others.
  5. Communicate goals with your partner or spouse. Brett and I are constantly talking about our goals for the future. It’s so important to be on the same page about financial decisions!
  6. Have a budget. I cannot stress this enough. I have a budget for pretty much everything including groceries, gas, clothing, and “fun”. Your budget can be flexible but try to give yourself a range to stay within.
  7. Be willing to say no. My co-workers ask everyday if I want to grab coffee and the answer is always no. I say no for two reasons. 1. I don’t like coffee. 2. I’d rather save the $2+ every morning for something else. It’s okay to say yes every once in a while but be willing to bring your own coffee or lunch to save a bit of money.
  8. Be flexible. These changes will not happen overnight and that’s okay! Keep working towards your goals and eventually you will get there!

I’ve mentioned before that I work in the financial industry and I can honestly say that my interest in finance started from the lessons that my parents taught me about money. While people around me love to spend their money I would much rather save mine for something I really want or invest it towards my future.

I am lucky to have started saving at an early age but it’s never too late to change your spending habits! I hope these tips and tricks help you reach your financial goals!

Thanks so much for reading!

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Image via Unsplash

Five On Friday

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Happy Friday!!

I am SO ready for the weekend even though it’s going to be crazy busy. I thought it would be fun to share five things that I’m loving or looking forward to this weekend!

  1. Tonight we are celebrating my dad’s retirement! He technically retired in May but my sister was in New York so we wanted to wait until she got home for the party.
  2. I went grocery shopping on Wednesday so now I have lots of healthy foods ready to go for the weekend. I’m trying really hard to eat healthy and lose weight.
  3. On Saturday we are going to a balloon fest and Sunday we are going to an airshow. I also have a Bridal Shower on Saturday. It’s another busy weekend!
  4. I made a huge order from The Limited that should be coming any day now. I am trying to completely refresh my professional wardrobe and I’m hoping a lot of the items I ordered online will work out! The Limited is having a great sale right now if you are on the hunt for affordable pieces to add to your wardrobe.
  5. I will be reading Tell Me Three Things by Julie Buxbaum this weekend. I have heard some pretty good reviews about this book so I have high hopes! It’s another YA novel so it should be a quick and fun weekend read.

What are you up to this weekend? I’m trying to soak in every last minute of summer!

Wishing you all a great Friday and weekend! 🙂

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An Honest Life Update

Anxiety, goodnight
Hello, hello

I can’t sleep so I thought I’d hop on the blog and talk about what’s keeping me awake.

For starters, Brett is off on a boy’s trip to Oregon with his friends and it’s storming in Michigan. He’s tracking the weather from his trip but I’m still missing his constant stream of commentary every time it thunders. I’m having a really hard time sleeping without him even though I am enjoying having all the blankets to myself.

I’m also having some extreme anxiety about work. We are very understaffed at work which has lead me to working many long hours. I am fine putting in a lot of work because I know I am making an impact on our client’s lives but lately I cannot seem to catch up. The work keeps on piling up and even though I am working at a crazy fast pace I still can’t get everything done.

I am a perfectionist which is why I am good at my job. I like to take my time and make sure that everything is correct which is hard to do when I am cramming so many tasks into each day. I keep getting angry at myself that I can’t get more work done. I am physically and mentally exhausted by the time I walk to my car at the end of the day.

Today I also found out that I made a huge mistake back in July of 2017. Everyone keeps telling me that it’ll be okay but the problem is that I can’t even remember making the mistake. I’ve been so busy, angry, and frustrated that I haven’t had the time to dwell on anything.

So now I’m sitting in bed thinking about work and wishing that I had brought home my work laptop so I could get a jumpstart on my to-do list for tomorrow.

Does anyone know the definition of work-life balance? Because clearly I do not.

Tomorrow is another day and hopefully it will be better. I want to point out that I do love my job. It’s just busy season and I am still covering a maternity leave. It will get better. I will survive. My team is amazing and I am grateful for this job.

Wish me luck as I try to get some sleep tonight.

Goodnight, my friends! Let me know if you have any tips for falling asleep or anxiety.

 

Lifestyle Blog, Life of Hayley

 

Photo by Alex Jones on Unsplash