I am planning to read 12 books around financial independence in 2022, 1 per month, and am going to host a book club to discuss the book of the month on the 4th Friday of each month. I am in California, USA, and planning to do this from 7-8:30pm PST. If you can make it, DM me your email address and I’ll add you to the google cal invite! The books I’ve chosen are in the next image. Hope everyone is ready to claim abundance in 2022! 💸
The Late Bloomers FIRE Starter Guide
I was a late starter and have made a complete 180 in the past few years after I had an aha moment. I was struggling and feeling my age and health issues creeping in and started to not be able to keep up.
First I read Rich Dad Poor Dad to get some financial IQ and found it fascinating because while I expected a boring finance 101, it is more a narrative about money mindset and what we initially learn and build our actions around depending on the wealth we are or are not born into.
Richest Man In Babylon is another good read and also available as audiobook, free on YouTube.
Soon after I read these I discovered the FIRE Movement which largely focuses on Index funds and/or real estate, typically. Vanguard is actually member owned so their rates are lowest, and Jack Bogle (vanguard founder and philanthropist) was the one to create the Index fund solution, which holds a broad range of companies. This is best optimized through IRA, 401K, and HSA since they are tax advantaged accounts and lower your tax burden. The trick is to optimize the accounts through indexing after the money is initially added to them. I learned late that if you work for yourself you can contribute to 401K as both the employee and the company owner. When I was freelancing I always thought you needed a jobby-job for 401K, but nope.
Using mint.com to get real with my spending and expenses was unexpectedly eye opening. I thought I was frugal but I found lots of holes in my spending, so I developed a budget which in itself was liberating, and allowed me to increase my savings rate, even when I thought I had no room to budge. Next I started using Acorns to round up my pennies every time I swiped for purchases. This was extremely helpful when I didn’t have anything to spare for savings. Seeing this account grow was really motivating and eventually I was able to increase it to save $20 / month then $100 etc. Combining this with checking my mint account to keep an eye on mindless spending (even if it was cheap stuff) really helped me re-prioritize.
What I like about the FIRE movement is you don’t have to pay an advisor who typically skims the top and takes so much more than you realize, all for something you can do yourself with some self directed edu. Once you learn the basics it’s not as daunting as it seems and it’s pretty straight forward. If I can learn it, anyone can, as cliche as that phrase is, it’s genuinely valid. I had no clue, came from extreme poverty and was placed in the system at a young age. This journey has been very enlightening. It’s surprisingly accessible to all walks of life, but it is definitely not mainstream knowledge.
Some really helpful podcasts, websites, and IG accounts that have helped me immensely are below. All are BIPOC and/or Women Owned.
HerFirst100K + Financial Feminist
Millennial Revolution (insightful at any age)
A Purple Life
Our Rich Journey
Rich + Regular
The next step in my personal journey is to learn more about sustainable investing. Ellevest is created by women for women and has tons of free resources on their IG FEED, and the ETF “VOTE” is supposedly driving activism through their investment platform.
Even before getting into investments, HYSA, High Yield Savings Account – is a better way to save. Building a 3-6 month emergency fund is an important step to protect your future and keeping it in HYSA will grow your stash. Rates were much higher pre-pandemic and are taking their sweet time getting back up to those rates. but currently CIT, Amplify, and Chime are doing well. You can get an HYSA at many credit unions as well. Here’s Nerdwallet’s Report for 2021 HYSA.
Nerdwallet is a good way to stay informed, and Investopedia is a great learning tool as well.
A few notable Nerdwallet articles:
Learn how to invest in Black-owned businesses and green companies.
LGBTQ Financial Planning Guide.
I know this is a lot of info for a primer but it’s worth the rabbit hole to be able to course correct and give yourself a real safety net. I hated money my whole life until my body started to break down. At the end of the day I have come to believe that money is a tool, or an energy. It isn’t inherently evil or inherently good. I got tired of not having enough to share and felt like I was only hurting myself in the end.
While the system is undoubtedly fckd, there are strategies that allow people to ethically help themselves and help each other. I try to focus on using monetary energy for good, growth, charity, and community.
Everyone deserves prosperity.
Design Your Life
Light Is Light…Or Is It?
I’m excited to be speaking at LDI again and reuniting with industry friends! Check out the summary of my session below and say hi if you’re attending!
Light Is Light…Or Is It?
Various forms of entertainment lighting, whether that be in touring, concerts, theatre, film, broadcast, or niche architainment installations, have a lot of overlap in approach, syntax, and personnel. These disciplines have enough in common to conjure the simple perception that “light is light”, and we may think all lighting can be approached from the same standpoint. However, when crossing into a traditional architectural approach, we start to see there are a lot of differences in product, protocols, language, personnel, and even the buying process. Sometimes these worlds overlap, but often they can be completely siloed with very different methods and procedures. In this session we will look at where the differences are and what to consider when approaching architectural lighting and systems design, whether pivoting into the built environment permanently, or for a bespoke integration piece.
Dlux Staple Groceries…& Mindset
I planned to do a zero waste and no spend year for 2020. I was moving into my own place near Lake Merritt in Oakland and ready start the year fresh with goals I had been taking baby steps on and was now ready to fully submerge myself into.
Like all well laid plans and new years resolutions that year there was a bit of a disruption to most people’s plans when the pandemic hit and we went into quarantine. I tried to stick to my goals but the first few months was such mental gymnastics that I decided to focus on less lofty goals and just focus on my mental and physical health until I could concentrate on how much waste I was producing with a clear head.
Despite the fact that the media was reporting a few weeks of quarantine, I knew immediately in my gut that it would go much longer than that. While I still knew very little about the nature of the issue at hand, it was just that gut instinct that told me I needed to focus on my mental health and emotional wellness and prepare to be in quarantine until the end of the year.
Of course we ended up with more than my instinct could’ve bargained on by the end of 2020, and here we are about to enter the last quarter of the year of 2021 and I’m just attempting to consider some of these former goals. I’ve been steadily chipping away but I’m ready to go all in again.
In order to organize myself, I wanted to put some focus on the area where I notoriously break my budget. I am still nuancing the numbers between groceries and take out to create a budget that is realistic but still frugal enough that I can put that “extra” money towards savings and investments.
Before you judge me for being too harsh on myself I’d like to point out that this is exactly how I finally became consumer debt free in August 2020. I find frugality challenges to be fun and healthy and I don’t deprive myself. I always make sure to budget for fun and flexibility. A budget isn’t a punishment and.in fact, it gives you way more financial freedom than life without a budget which only results in endless debt. Debt is the real prison. Let that ish go. Becoming debt free is liberating AF and 100% worth the sacrifice, speaking from experience.
In addition to controlling finances, I also want to have zero food waste in my kitchen. Currently I compost and am pretty good at doing “pantry challenges” when things are getting close to expiration, but I still have let some food rot by not being mindful and intentional of all of my purchases.
The other perk to using this staple grocery list as my guide is that I have found that I was getting burnt out on trying new recipes all of the time, and instead have been leaning into creating mouth watering versions of my favorite recipes. For example, I started making overnight oats last year and fell in love with this easy, quick, and healthy recipe. I tweaked and perfected it for a year and a half and now it is so incredibly easy and delicious, and works great for breakfast and for snacks. I want all of my main recipes to be that yummy that I would desire it for any meal any time.
SO for the categories – the ones that are a general category, like “fruit”, can be rotated as long as I have 1 in inventory at any given time, like “strawberries”. If it is shown as a specific food, like avocado, then it means I must have avocado at all times and can not be subbed for any other food in it’s category. Yea, I have a few obsessions, avo being one of them! A slash means “or” at time of purchase, but if I already have one and I am still within my budget for the month, then I can purchase the other on my weekly shopping. For example, Stubbs BBQ lasts me a while since I only make BBQ Tofu occasionally, so that doesn’t prevent me from gettings Salsa on my next shopping trip.
Surprise! Turns out I can not pick only 5 vegetables and have double that on my rotation. What are rules for other than to be broken! The good news is these never go to waste. I am obsessed with all 10 of these foods. Plus I am just not going to skimp on the most important food group. Fiber, micronutrients, macronutrients, antioxidants, vitamins, minerals – all inclusive, what’s not to love? I’ll take this category in abundance thank you very much!
While most of these are year round staples for me, there are a few wild cards on there that are seasonal so I’ve focused on preparing for the upcoming fall and winter season for those types of warming seasonal foods. Perhaps I’ll update this going into next spring and summer where something like watermelon tends to be a staple for me in the summer season as opposed to root veggies and pumpkin everything.
What do you think? Are there any items on this list that you think are gross, excessive, or downright must haves for your list? What are your die hard staples that you can’t live without?
Forget not that the earth delights to feel your bare feet and the winds long to play with your hair.
Out of suffering have emerged the strongest souls; the most massive characters are seared with scars.
You give but little when you give of your possessions. It is when you give of yourself that you truly give.
Let there be spaces in your togetherness.
Yesterday is but today’s memory, and tomorrow is today’s dream.
I have learnt silence from the talkative, toleration from the intolerant, and kindness from the unkind; yet strange, I am ungrateful to these teachers.
Your children are not your children. They are the sons and daughters of Life’s longing for itself.
Ever has it been that love knows not its own depth until the hour of separation.
Work is love made visible.
If you cannot work with love but only with distaste, it is better that you should leave your work.
Golden Gate Marathon Malala Fundraiser
Malala is one of my all time greatest heros. Against incredible odds she continues to stand up for girls’ rights for education, even after being shot in the face in close range by the Taliban.
The Malala Fund is working for a world where every girl can learn and lead and I am here for it! With more than 130 million girls out of school today, we’re breaking down barriers that hold girls back.
I am dedicating my Golden Gate Half Marathon & Training to raise funds for all girls to have safe and equitable access to education in their communities.
Please help me #run4edu by donating to My Malala Fund Campaign today! No donation is too small. Together we can make a better world and lead with love.
Create Your Fate
An excerpt from the poem Let Your Soul Breathe:
Create your Fate with no debate about the gate to happiness
It is not found in Gucci or Guess
And Stress is a by-product of poor decision
And living by someone else’s standards
Let Your Soul Breathe
Read the full poem HERE
10 Quotes to Inspire You to Manifest Your Dreams
I am just *crushing* this month already, boyeeee!
It’s worth stopping, acknowledging, and celebrating! I am so pumped at my own success that I wanted to use this energy to share some inspo with you! Manifestation is simply the process of bringing about events and experiences through the energy you put out into the world. We all have the power to do this, it’s all about mindset. Here are 10 quotes to get you stoked to take action and manifest the life of your dreams! 🧚
- “Where attention goes energy flows.” ~ James Redfield
2. “If you can dream it you can achieve it.” ~ Zig Ziglar
3. “Once you make a decision, the universe conspires to make it happen.” ~ Ralph Waldo Emerson
4. “Ask for what you want and be prepared to get it.” ~ Maya Angelou
5. “Thoughts become things. If you see it in your mind, you will hold it in your hand.” ~ Bob Proctor
6. “Imagination is everything. It is the preview of life’s coming attractions.” ~ Albert Einstein
7. “Whether you think you can or can’t, either way, you are right.” ~ Henry Ford
8. “To accomplish great things we must not only act but also dream, not only plan but also believe.” ~ Anatole France
9. “Your life is the manifestation of your dream; it is an art, and you can change your life anytime that you’re not enjoying the dream.” ~ don Miguel Ruiz
10. “Go confidently in the direction of your dreams. Live the life you have imagined.” ~ Henry David Thoreau
You have the power!!! I believe in you!
LIFE CHANGING MORNING ROUTINE
HAPPY 2 MONTH ANNIVERSARY
Exactly 2 months ago – once and for all – I found MY WHY and transformed, literally overnight, into a morning person. ☀️
To be fair, this personal development has taken years and countless failures and rebounds, but as I described in this post, I did have an immediate transformation that sealed the deal for this morning routine once and for all. Find your why and you can develop a morning routine like this too!
~~~ Here’s The Breakdown ~~~
5:30am Wake Up Walk Pup
I used to shuffle out of bed and whine, or more realistically, hit the snooze button 82 times, but now I usually jump up a minute or 2 before my alarm goes off. This is how my energetic rockstar pup @VenusVegaDlux wakes up too so we go right for a quick squat after heading down 4 flights of stairs from our condo in the sky.
5:45am Brush Teeth
After Venus relieves herself, I brush my teeth. Not in the street, silly! We went back upstairs already. I use a Philips Sonicare electric toothbrush. Sorry I’m not on that obvious minimalist #bambootoothbrush tip, but I have crappy teeth and I need a workhorse to keep these dudes happy. I need to figure out how to recycle the heads like they do in Russian supermarkets, but at the moment I extend the life of the used heads by using them for cleaning or painting projects. I change them quarterly so I’m only a bad person 4 times a year. I’ve had this toothbrush for about 6 years now so at least the body is lasting a long time. I also love it because I can travel without the charger and the battery lasts over a week. The charger is tiny so I’ll bring it if I’m travelling longer than a week.
5:50am Rose Water Amethyst Facial
I never gave myself facials even when I was sleeping in, not even at night. Truth is I was notoriously bad at self care. I just figured if I’m going to be awake this early I should give myself something to look forward to and I came up with this little gem. It’s so easy I do it with my eyes closed, literally.
The first step actually starts with clearing my nasal passages. I’ve been doing this ever since the Pandemic started as a way to cleanse so it’s a vital part of my daily routine now. I use Now Activated Nasal Spray and it really is a game changer. Since I do breathing exercises in my morning routine (priming and meditation), this gets all that gunk out of the way ahead of time. Inflammation seems to be worse in the morning for me so it helps to start off with this cleansing routine. When I sought this product out, I was not even sure it existed. Years ago, 2004 to be exact, I was traveling in Brasil and started to feel a nasty cold coming on. I was at Copacabana Beach with a gal I met from Italy, and she literally told me to snort the ocean. As much as I was dumbfounded by what she was suggesting, she was dumbfounded that I didn’t know about this. Her grandmother showed her when she was a little girl and they’ve been warding off colds for generations this way. I did it. It was awkward, and totally worked. I got a head rush, felt the salt water drip down the back of my nasal passages, and the cold symptoms completely vanished. This spray is the next best thing if you can’t snort the ocean every morning.
Next I do a quick cold water rinse on my face and pat dry. Then I take a cotton ball and clean my face with TN Dickinson’s Witch Hazel. (I compost the cotton ball). Next I spritz my face with Rose Water. Did you know that food grade products undergo far greater regulations than topical products? Your skin is your biggest organ so anything you put on your skin should be no worse than anything you eat, but the industry doesn’t work that way. Rose water products are on trend and you have the price tag to prove it. Topical beauty products not only cost more, but they have other ingredients that are hard to pronounce (aka bad for your health). I’ve always had a 100% natural skin care routine and I’ve had nearly flawless skin as a result so I don’t buy into that beauty market ish. Save your dollars and your skin and get some classic food grade Rose Water and put it in your own spritzer bottle. Cortas was my go-to but I think they are onto me because the unit price has gone up so I’m trying this one by Sadaf next. I bought these bottles from Amazon for my DIY products.
Finally, I use this Amethyst Roller. I know Jade and Rose Quartz are all the rage but I’m a diehard rebel and an amethyst gal. I’m still moving everything around that needs to be awakened so I love this thing even if I’m not trending. I keep it in the freezer so it feels incredible to roll over my fresh dewy morning skin. I also roll over my thyroid to help keep her functioning well. Cold therapy has been one of my #1 tools in fighting inflammation, and inflammation is the source of all disease so if you can keep that at bay, you’re winning.
5:55 am Lemon Water
Right before my workout, I drink 20 ounces of water with a tablespoon of lemon juice. First thing in the belly and great for the gut! It’s hydrating, starts you off with a burst of Vitamin C, balances your PH, produces collagen, stimulates the digestive system, is renowned in Ayurvedic medicine, and so much more. Check out this Mind Body Green Article for more info on the health benefits. I was making my own fresh squeezed for a while but peeling lemons was not my jam and a bottle of pure, organic, lemon juice is actually not very expensive. I decided to pay myself first and free myself from this particular chore. I’ve been using Sprouts Organic Lemon Juice for a few months and it’s perfect. There are ZERO additional ingredients other than organic lemon juice and currently retails at 25 cents per ounce. I’ve also enjoyed Lakewood and Santa Cruz Organic Lemon Juice. All 3 are high quality, affordable, and last a long time in the fridge.
By far the highlight of my morning! I love waking up to dance and elemental connection. The Kinrgy method uses movement, breathwork, and the 4 elements of Earth, Fire, Water, and Air to center you and give birth to your own distinct expression. This was another gift I gained from UPW and it brings me incredible joy and energy to start my day. The guides are incredible and weave poetry, activism, and soliloquies into the workout which is an incredible bonus. I’m so so grateful for this daily practice.
Next I do TR’s Priming Exercise, which helps bring focus and intentionality to my day. I also use this time to send healing energy to people that need it, and visualize my future vision of and for myself.
I do a 10 or 15 minute morning meditation. I can not express what a huge impact this has been on day. To start feeling this grounded and centered is something I haven’t experienced regularly since my career took off. I’m so happy to feel back in my body this way. I’m OBSESSED with @RoxyTalks. I have been wanting to do a video series of my spoken word poetry and some mantras that I’ve written and her style is almost exactly what I envisioned for that project. Roxy is A VIBE. Right now for the morning sesh I’m mostly toggling between Self Love Affirmations and Positive Morning Affirmations, but really all of her meditations and affirmations rock so just pick whatever jives with you.
7:15am Walk Pup
Venus just had a quick pee when we woke up at 5:30am so now we go do the real business.
7:25am Cold Shower
YES. I am actually doing this. I listened to Melissa Urban‘s podcast Do The Thing Ep 34: Cold Showers with Ed Sheeran and a YEAR later still had the anything but that mentality. After visualizing the worst case scenario of how my body would continue to decline, continue become harder to heal, continue to become stiffer and more painful, if I continued to not DO THE WORK to cure myself, I finally got smacked in the face that time was moving on without me. I refuse to live the rest of my life in a sick or suffering manner. I’ve come too far for that. So I started with baby steps, 2mm at a time, 2º at a time. By some standards my cold shower is still a baby step but it is serving me and I’ll do it in my own time. You should too. You make the rules. You design your life.
My method is I take a warm shower for 3 minutes and just enjoy it, then I use my 1 minute timer on my watch and shift the water temperature just past the middle where it’s just below luke warm and a little colder. For the second minute I move it another 2 degrees colder. That’s it. 2 minutes of cold water. I jump around and sing and howl and I’m SO ALIVE afterwards. It has flushed my inflammation and brain fog down the toilet! I don’t want to be sick ever again, so I put my full mind and intention into this 2 minutes. I am here to thrive. I am here to live a beautiful life.
7:30am Celery Juice
I drink 8 ounces of celery juice while I air dry. I’m currently doing an experiment to figure out how much celery I need to prep to juice 3-4 days in advance. Remove the barriers preventing you from your good habits. I don’t squeeze lemons and celery at 6am. I do it ahead of time, usually at night. I just bought Suja Celery Juice for the first time so I’m going to try that out this week and compare it to my fresh squeezed Celery Juice. I upcycle my Synergy Kombucha bottles to prep my celery juice in advance, so I’m currently measuring this all out and calculating in order to honor my time if I can. I know Suja isn’t JUST celery so I’m thinking on that, but I’m not totally against it either. Again, I’m still in the research stage. I’ll probably land somewhere in a combo style.
7:35am Coffee Time
The big reward! My morning really flows. Although it sounds like a lot, I’ve removed barriers and made these steps as easy and seamless as possible so I wouldn’t get discouraged and give up. I feel so accomplished at this point that a warm cup of joe with creamy nutpods is the perfect gift to soak it all in. I am taking a break from my superfood coffee recipe. I was using Laird’s for a while but they all have sugar in them and I’m not about that life. Sugar will ruin you inside and out. If there is only one change you make in your whole life, quit sugar.
*Stay tuned for Superfood Coffee recipes, although it may just have to live on in my smoothies if I don’t come up with a good solution.
* Check out Ritual De Cafe
7:35am Read Morning Brew
I’ve been reading Morning Brew as my daily news burst for about a month now and it’s absolutely perfect. I love how succinct and witty it is and I can get a quick daily digest before I get whisked away into my day. I get briefed on the latest 24 hour activity of the stonks, world news, politics, vaccine updates, and even surprises like bypassing the waiting list for @Masterworks. Check out my post on my recent purchase of Yayoi Kusama’s Pumpkin, 1990 and my Masterworks membership.
HMU if you want a link to Morning Brew. It rad.
8am Slay The Day
YOU KNOW WHAT I DO. GO SLAY!
MINIMALIST DECLUTTER ROUND #?
INTERNATIONAL DEBUT: DLUX TATER BOWL
Lock me in a kitchen for a year and some interesting choices are bound to be made….
Introducing the DLUX TATER BOWL!
GIRL. Lemme just tell you. This bowl was 2 servings but I licked the damn thing clean. SUPÈRYUMZ
Vegan. Whole30. Paleo. Grain Free. Gluten Free. Dairy Free. Organic. #allthethings
9 times out of 10 I’m eating a #YAM but once in a while girlfriend needs a white ass potato, mmkay?
Bake the baby in the #instapot. If you don’t have this GET IT NOW. My #1 minimalist friendly kitchen tool.
TBH, #1 is tied between IP, Immersion Blender, + Juicer, but you get what I’m laying down, right? I’m a #minimalist; I only have 3 tools; they are all #1.
While the #tater is baking, sauté: onion, garlic, bell pepper, mushrooms, broccoli. Put big ole tater in a bowl a top with #nutritionalyeast, olive oil, salt + peppa. Then load on the sautéed veggies and top with #sauerkraut, #olives, & #avocado. Add Olive Oil Drizzle.
Yes. I said olives. OLIVES ON EVERYTHING.
Don’t challenge me. It’s dope. #saltfatacidheat
All of this from #PlanetEarth. How amazing is that?
Next, pretend you will save half for lunch tomorrow + devour every delicious morsel.
YW. 💕, DLUX
I quote Jim Carrey and listen to this speech regularly. I can’t even do it justice to write about. Click the vid and see for yourself. Jim Carrey is someone who gets it. He is compounding energy super sized. (You can do it too). “The effect you have on others is the most valuable currency there is.” Watch. This. Now.
THE DAILY HAPPY
People often ask me how I stay so positive in tough times. How could I begin to abbreviate what I’ve transformed? It goes deep yo.
The truth is I’ve been through more “Big T” traumas than you can count on one hand and it’s for this exact reason that I work hard to stay positive. Without getting into too much detail I’ll say this, there were two main catapults that have landed me at this vantage point. The first was an abusive and unstable childhood, to put it lightly. Once I escaped that prison I knew resolutely what I did NOT want to be, so I had alot of incentive to follow my dreams and never give up. Just as I was getting into the groove of being a badass and owning my life, as if I hadn’t been through enough already, my rebirth into positivity was almost taken away from me again when I was assaulted a mere 3 weeks after my little brother’s suicide. As hard as it was, I knew that if I stayed down for too long it would be letting my rapist win. From that day forward I made a decision to “refuse to be a victim”. It didn’t happen overnight, but the commitment was resolute.
Refusing to be a victim has taken years of practice, of breakdowns, of therapy, of giving up, of getting back up again. At the end of the day we all need reminders; this is a choice. Your attitude is a choice. Your perspective is a choice. Yes, absolutely honor the hurt, acknowledge the pain, (denial is not healthy), but you can’t wallow. It’s too hard to climb out of that downward spiral once it gains traction. So I speak a different truth into existence. I use mantras to lift me up. And I’ll be damned, it works. So much so that I just want to shout it to the world : “heyyyyyy – it’s not easy but it works! Don’t give up!”
Print the image of this mantra out and speak a new / improved loving reality for yourself. Speak it in a meditation, in the mirror, on a walk, hiding in the bathroom at work – whatever works for you. Practice makes perfect, and it does get easier. You just gotta believe. 💫
ps for a sliding scale donation of $3 – $20 I can update the graphic to be your portrait or an image of your choice. To request, use the contact page and reference “THE DAILY HAPPY”. ✨
Credit Score Goals
As a goal oriented person, I always love setting New Year Resolutions, or New Year Goals, every year. I know alot of people that are adamantly against this. People say, “why bother if you’re just going to fail.” I see their point (kinda), but I have always followed the ideology of it’s not how many times you fall, it’s how many times you get back up. Fear of failure isn’t an option, but what’s more, it gives me something to work towards, as well as an opportunity to set an intention.
One of my New Year Goals for 2020 was to raise my credit score to 800. This one was tricky because I knew so much of this achievement would be out of my hands. First of all, there are 3 credit bureaus calling the shots and they don’t even agree with each other. Second, it’s a mystery to me how it even works. There is a lot of bait involved in this credit business. For example, my credit score would slowly tick up as I paid off debts and kept lower balances, but when I had a car emergency and had to take out a car loan, I was stunned to see that my credit score shot up several points after taking on this new large debt. Why? I didn’t feel I should be rewarded for that, but it’s some weird formula to encourage you to keep spending, and most people spend beyond their means when it comes to credit. Third, it took me years to get to 700 alone. I got my first credit card in college, along with the school loans, and promptly threw my score in the gutter for over a decade at just over 300 points. To say I was irresponsible with my credit is an understatement. I came from extreme poverty with a subzero financial IQ before I turned this ship around.
So, as you can see in the image, I did not achieve my goal of 800 points, BUT I did gain 89 points from the year before. In December 2019 before I made this goal I had just hit 700 even. Is this a failure? NOPE. This goal gave me mindfulness. Every month I recorded my updated score. I was encouraged because I was actively paying down debt, learning to live within a budget, and watching the score go up. I’ve been working on my budget for years but it takes a long time to master! Having this goal made me focused and vigilant to get the best results possible by persevering and course correcting as needed. I’d call this a win.
A credit score of 800 or higher is considered perfect and I was able to get so close that now I can definitely have it as an achievable goal for 2021. Even though it will take me a little longer to get there, I’m stoked to have stayed the course and to keep reaching higher.
What financial goals are you setting for yourself in 2021? Remember, it’s never too late to start anew. I re-evaluate my New Year Resolutions every quarter to make sure I’m on track and make updates if anything has shifted. It’s not written in stone, it’s your life novel to write and edit as you deem fit. You can do anything you set your mind to. I believe in you!
Mixed Media on Canvas, 2019
As a lighting professional and an environmentalist, I’m sad to say that my industry produces a lot of waste. 😏 To do my part, I upcycle e-waste and lamp parts into new art to divert these items from the waste stream. This is part of an ongoing series I call “The Reuse Revolution”.
The fairy in this piece is a reprint from an original painting / drawing that I created several years ago and still love to this day. She is acrylic and ink.The background is spray paint using various trash as stencils.
This original has already been sold, but Postcards and Prints are available in my Etsy shop, Luv Logica. You can also contact me here for direct inquiries and commissions for any works not shown on Etsy.