Financial wellness is the overall health of your financial life and finances, and how they affect your physical, mental, and social wellbeing. In this category, I will be having conversations surrounding my financial wellness and lessons I’ve learned throughout life regarding money, my relationship with it, and how it affected what I’m teaching my kids about financial literacy.
I would be lying to say I don’t have some lingering mental trauma from being repeatedly told about the horrors of credit cards growing up and that’s a large portion as to why I hadn’t decided to use credit for everything previously.
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There are a handful of apps that I LOVE and have used over the years to make money that I usually reserve for travel but we’re not really going anywhere these days, so it leads to purchases like the Fenty lipsticks because I’m wanting to learn how to do my own makeup.
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Sometimes the things we think we need are really things we just want and/or have become comfortable with and we don’t like the idea of change. Sometimes it’s keeping up with everyone else and what they might say or think if you don’t have what the “norm” is.
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Thinking we would be getting around via subway and bus, per usual, and staying as long as we were, I purchased a 7-day metro pass only to find out afterward you don’t have to pay for the buses at the moment because they’re loading from the back to avoid Covid-19 as much as possible … whoomp, whoomp.
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I know many people feel like the employer should pay a wage in such a way their employees aren’t relying on their tips. I get it. I used to be a waitress making a measly $2.13 an hour at a red and white striped awning restaurant whose name rhymes with CGI Cry Days.
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It was fun to escape into stories of people and their ever growing disposable income purchases here and there but those were more the norm than the rule in the diaries I’d come across and it went from being fun to mildly depressing real quick. I couldn’t make 99% of the purchases I’d read about even when I wasn’t unemployed because, bills aside, all my monies seem to go to something for my kids, so the only thing disposable around here (for now) are the paper plates in my cabinet.
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Most people spend more time planning a one week vacation than they spend planning their budget. Think about that for a moment. Most people spend more time thinking about the money they’re going to spend rather than spending time ensuring they have that money to spend in the first place.
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I will never forget my first credit card. It was a white Capital One card with Asian writing, I don’t even know what it said, I just thought the card was beautiful. I was honestly…
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“Communication is a big factor in creating and sustaining any healthy relationship, including one with money.”
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