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Music Mondays – Brand New Day

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I love this song by Joshua Radin for so many reasons.  He reminds us that when we wake each morning, we are given a clean slate with the hope and optimism that anything is possible. This is also true for your financial health.  You may have made poor choices in the past.  You may have made one today.  But tomorrow is a Brand New Day. You have the ability to turn things around and focus on making positive changes in your life.

Sometimes we get so fixated in living in the past that it prevents us from accomplishing our goals in the future. After I had my son, I was fifty pounds overweight, and I remained in that position until I decided to make a change when he was around five years old. The process of becoming physically fit was not easy and I had a few days where I was “bad” and I ate more calories than I should have, and I felt awful. However, I realized that tomorrow was a new day and I had a new opportunity to change things around and work harder, and I did. If I kept thinking about that bad day, then I would not give myself the opportunity of having many more good days ahead.

Just as I had bad food habits, some of us have bad money habits that we fall back into, and when those happen, I encourage you to listen to this song and do the following. Take two minutes when you get the chance and write down what changes you want to make tomorrow.  What about: only spend $20 all day?  Eat dinner in? Spend time with friends not spending money? Whatever your financial goal, write it down and do it!  Make it a reality!  And know that everything “will be okay.”

This is a great video for the song.

Music Mondays – You Can’t Get What You Want

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I confess that I wasn’t too familiar with the Rolling Stones song, You Can’t Always Get What You Want, until it was performed during the Glee Season 1 Finale (find the clip below).  It’s a great song with an even better financial fitness message.  As you embark on your path to becoming financially fit, one of the first things that you need to know is that you can’t get what you want.  We all have our spending weaknesses.  Mine are shoes and dresses.  My husband’s is wine, and his mom’s is purses.  We like to indulge in our weaknesses because they make us feel better when we do; however, in reality, we can’t afford to keeping making these choices.  The sad truth is that when we are making purchases or thinking about purchasing things, we need to hear this song in our head.  Even millionaires need to hear this song because no matter what our money situation, cash is a finite resource that will eventually run out if we don’t stop ourselves.

Just as the song suggests, though, just because you can’t get what you want, does not mean you won’t get what you need and you won’t be happy. When I first sit with clients, we go through an extensive exercise of determining their wants and needs and the best way to go about accomplishing attaining these. If you remember that the things that you don’t want or don’t need are keeping you from accomplishing your goals, then you will be less likely to indulge in them.

The next time you are about to spend money, I challenge you to listen to this song. Let it put a smile on your face rather than the product you are about to buy and let it stop you.  Your bank account will thank you!

Below are videos of the Glee Cast as well as the Rolling Stones.  On a side note, it made me sad to revisit the Glee Cast version and realize that Cory Monteith was no longer alive.  I hope that wherever he is, his soul is at peace.

 

 

Music Mondays

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A clock radio and a dream

I love music! When I was a little girl, we did not have much money growing up, so my “prized possession” was a clock radio that I listened to for my entertainment. Because of that clock radio, and Casey Kasem, I have a particular fondness for 80s music, but I love all kinds of music now. I love when I listen to a song, and feel like it was written just for me. Feeling connected to a song like this makes me feel less lonely or part of a community. There is nothing like having our feelings validated, especially through song. As I embarked on the journey to achieving financial fitness, I thought about many of my favorite songs through a different filter. I almost made it a game to find a financial message in every song that I played.

Music Mondays

As a financial trainer/planner, I take many approaches to help my clients understand what I am trying to communicate. We all learn differently and sometimes a song can be my best teaching tool. Most of my clients are given a playlist when they get their financial plan that is tailored specifically to what that client needs to work on financially. I thought it would be fun to bring some of this inspiration to my blog, so, every Monday, I plan to post “Music Mondays” where I’ll blog about a song that illustrates an important concept that will move us toward our goal of becoming Financially Fit.

 

 

First Blog Post EVER!

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Hi and welcome to my blog, Financially Blonde.  At 35 years old, I am officially writing my first blog post.  Why have I waited so long?  Quite frankly, for the past 13 years, I have been limited by my employers about what I could write, and I never thought I had something interesting or relevant enough to blog about.  A few months ago, I left the world of corporate and retail finance to start my own company, NextGen Financial.  In the process, I discovered that I do have interesting and relevant information to write about.

I spent the first decade of my “adult” life in what I call a “financial fog.” I really had no concept of personal finance despite working in financial services. I had what I now know are very wrong views about what constitutes “smart” personal financial choices. One of my many problems was that I thought a smart financial choice would not be fun. I also don’t handle the word “no” very well.  Once I became a financial advisor and starting helping others, I realized how detrimental it was to live in a financial fog.  I now have made it my life purpose to help others avoid the fog. You’ll see that it is possible to make smart financial choices (or what I call Financially Blonde choices), while still enjoying life and not feeling like you are being deprived.

I started this blog in the hopes of inspiring others who are on their own financial journeys toward achieving financial fitness to keep up the great work and realize that you are not alone and that the path to financial fitness is a long and curvy one with lots of bumps along the way, but it can also be a fun one as well.

I hope that through this blog, you will find tips and tools that will help you live a fun, fabulous, financially fit lifestyle!