First order of business: You literally are a superhero. You have SO many powers to create your fate. Law of Attraction, Quantum Physics, Alchemy – whatever you want to call it, we have the power! Don’t talk yourself out of it – try it today! ✨❤️✨
Second, If you want a superhero collage with your face, I can do that for ya! Just let me know. Hang it on your mirror, on your fridge, make it part of your vision board – whatever you want to remind yourself and give yourself a little boost. YOU’RE AWESOME. Don’t let anyone make you feel any differently.
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!
The image in the center is a detail from my original conte crayon drawing and mixed media artwork called Reflective, which was a piece I created in the aftermath of losing my little brother, Brian, aka MC Logic, to suicide. I was swimming in the deep darkness during this time, trying to make sense of it, all the more shocking as I had found out at 5am on the day I landed on American soil after frolicking all over Brazil for 2 months without a care in the world. It was the last time I was truly, unequivocally free. Returning to this news was beyond devastating. Gratefully, I was surrounded by the undying love of my supportive community who kept me from drowning and helped me hold my sense of purpose to go on without him.
Both originals have 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 of any work not shown on Etsy, including those shown on Utopia Dreamscape.
I’ll post the complete, original Reflective piece tomorrow so check back then!
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.