6 months on a budget - Pros and Cons

It's been about 6 months - it will be at the end of this month - since I started being conscientious of my purchases to quit buying useless things and to save money. 

The initial idea last July was "let's see if we can save 1000$ each to buy a drone" but in the end, a drone wasn't worth 1000$ to me, but it was still useful for me to see if truly I could minimize my spending. 

So, after about 6 months, here are the observations I’ve made:

The positives

1.       More conscious of my tendencies and shopping habits

I do have a tendency to shop every 2-3 months and buy for a few hundred dollars. For example, when I come across cool and fashionable tendencies, it makes me want some of my own (PINEAPPLES!!). When there is a change in seasons, like the fall collection is out in a store I like, I have a tendency to want a new wardrobe, or spend a few hundred dollars on some new items.  Christmas also meant I wanted to have a bunch of extra seasonal items, like Christmas decorations for the tree (even though we already had a bunch), nice table decor for having people over (even though I hadn't had plans to host anyone), nice house decorations (but not enough space for new stuff!!) and of course gifts! I have a tendency to buy in excess, sometimes buying gifts even when I don't have a person in mind! (Are you an over-buyer or under-buyer?)

2.     I did become a mindful spender

With every purchase I questioned myself on the usefulness of what I wanted to buy and if I really had a use in mind, one that would last beyond one season.

Although on this project I don’t concentrate on saving money on groceries and going to the restaurant (dates or social activities), I’ve become a bit more conscious and smart about spending, for example “I spent a lot on fancy ingredients last month, I should focus on using them up or using my frozen items this month”.

I don’t actually have a numerical budget, as getting into the metrics would be a whole other project that I’m not willing to get into now (which I can do because I am not in debt, thankfully).

3.     I did buy less of certain items

I saved some money by not spending on delicious tea from my favorite tea store DavidsTea, books (since I already have a bunch I didn’t read), seasonal items (except some hand soaps………), home decorations (except a few that provided happy memories and those that my mister wanted to incorporate into our home – I didn’t want him to be negatively affected by my budgeting exercise)…

4.     More enjoyment from the things I do own

Not buying the new teas at DavidsTea was difficult, but I also was able to enjoy all the teas I do have, and benefit from the enjoyment of finishing a pack of tea that I’ve had for a while!

Not buying new books, I was able to pick up a book I already had and still hadn’t read!

5.     I became more generous

Since I didn’t want to spend money to fill up my home with useless stuff, I couldn’t buy myself the awesome cute amazing thing I found at that store I love, but someone else could benefit! I allowed myself to be a bit more generous with gifts. A little gift for a friend who was celebrating a birthday, a care package for a sick family member, an extra generous gift this year for Christmas.

The negatives

1.      I'm a little masochistic

Although I've decided not to buy things that are "fun" and "cool" but useless, or just temporary useful, I'm still subscribed to newsletters of my favorite stores, some that are stocked with temporary useful objects (Like Indigo Bookstore!). And not just that, I peruse the sales for "essential" items that are also awesome. The inner dialogue that it causes is less than pleasant as I go from "yes I want it so bad!" to "no, i don't need it" back and forth for several minutes, and sometimes several times in a day or week. When seasonal items, which I've sworn off, go on sale, it's torture and a half . I know I'd feel temporary pleasure, but I'd also use said items during a specific season. A great example of this was the pumpkin tureen in a previous blog post of my biggest teases!

2.     I still spent money

I bought a few cake pedestals for taking better pictures of my Gateaux Dulce cakes, some clothing when I ruined a couple items in the wash, some gorgeous frames to finally display some beautiful pictures from our Italy vacation, some hand soaps with holiday scents (hey, they’re consumable!), etc. As mentioned in the positives, I also was more generous in gifts! So, in terms of saving dollars, I’m not sure I succeeded much in that department.

In the end, there are more positives than negatives so the overall conclusion is it’s a good thing which I will be continuing for the next few months and hopefully beyond, setting good habits for the future!

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Any ideas for saving money? What are some of your pros and cons of mindful spending?

Money concerns both people in a couple.

It happened on a normal evening, all I did was say that I didn't want to buy an expensive new coffee machine, even though yes the coffee did sound delicious. I said I'm trying not to spend on things I didn't need, and I said I was aiming for a minimalist lifestyle. The word "minimalist" set off a bomb of fear from my partner, he freaked-out at the thought of a radical change in my lifestyle that did not include him. Here's an article for you, mister: The Minimalists (click the link for full article).

Minimalism is not a radical lifestyle. Minimalism is a tool I use to get rid of unnecessary stuff and live a meaningful life—a life filled with happiness, freedom, and conscious awareness.

Since we had some big discussion about the purchase of a drone a few months back, it started with a friendly competition on who can save the most money (however difficult that is to measure) and it turned into a serious evaluation of my spending habits. On my birthday I received a cookbook and for the first time I did not want a cookbook, because I already maximized the space I had for cookbooks, but I started noticing all around how many things I had bought because I knew I needed or wanted, and now I have a serious lack of space everywhere in our house. 

A house, so roomy compared to an apartment, so I've permitted myself to own more things, but now, now I realize how so many things get lost and how I don't remember where I've placed certain things, and how they don't actually bring me happiness. Basically, I just have too much stuff, and  like a drop that makes the vase overflow, I realized it all at once, all it took was one too many cookbooks.  

But back to the point, the reason he freaked out was probably related to some fears that I'm losing my mind or that life will become boring, based on his views of what "minimalism" meant, but isn't necessarily the same as what I understand it to be. 

But this led me to wonder to what extent did my minimalism journey negatively affect others while benefiting me? How many expenditures can I really cut when the partner in my life is not cutting out unnecessary expenses? Does beautifying our home and buying kitchen gadgets to make our common lives better fit into the "useless spending" category? Where is the line between fun, useful and meaningful? I've got to think of it before making a decision. For example, perhaps buying frames for travel photos might be okay (will bring us both happiness) while a new coffee machine might not be okay (only bringing him happiness). 

But even then, couple life is about compromises and so I will probably end up still purchasing items that I don't particularly enjoy,  but he does and so I concede. That can happen.

Sources of inspiration 

1. Blonde on a Budget http://blondeonabudget.ca/2014/07/07/the-year-i-plan-to-embrace-minimalism/

The No-Spending Diet

I'm doing a no-spending diet. I'm trying to see how much I can not-spend between July 2015 and July 2016. Of course, measuring savings is actually quite difficult. How can I guarantee I would have bought that item I want, and didn't buy it just because I'm on a no-spending diet? I can't. 

The rules:

Things I can buy:
- Groceries : I am allowed to buy regular and fancy groceries, as long as I use everything before it goes bad, and that I don't leave canned goods and other non-perishable items forever and ever without using. I must also consume canned goods and other non-perishable items that have been in my pantry for over a year, or else donate them at food drives.
- Clothing: only when something needs replacing. I gave myself an exception for ModCloth when I went to San Francisco and I got some bras because I haven't gotten new undergarments since forever.
- Gifts: because I am choosing minimalism, not others.
- House items: if both Benoit and I agree that we NEED it. 
- Baking items: only if I it is for an order or if there is a concrete plan in place to sell goodies created with that item.
- Vacation: normal purchases are allowed on vacation, provided that I evaluate the want vs. the need (esp. for souvenirs).

Things I must not buy:
- Tea. I must not buy new tea from DavidsTea or other until I am left with less than 10 teas in my cupboard. 
- Anything from Indigo. Especially not decorative seasonal items, and anything in the paper department (journals, notepads, etc.)
- Books: I must not buy books. Not until I have read all the books that I currently own that are unread. 
- Gift decorating items: such as wrapping paper, bows, labels and ribbons. Although I am allowed to buy gifts, I am not allowed to buy gift decorating things. I may not have everything, but I have too much wrapping paper, and I need to start using it.

Now accepting bets on how long I will be able to last! I'll try to keep this blog updated on related thoughts, challenges and savings.

Laters,
Miss K on a Budget

The Law of Attraction

When I first heard of the law of attraction, it was with the book and movie "The secret" by Rhonda Byrne. I got the concept, all right, but I didn't really like the way they put forth the idea that magically things happen just by asking for them. Because they didn't really focus on the fact that you have to take action to get what you want!

But it's true about the law of attraction. How when you are in a certain mindset, those things that help you become visible whether or not they've existed before. For example, when I started thinking about selling cakes, all of a sudden the internet was full of small business articles. I asked my friend "is it just me or is it really fashionable to have a small business?" and he said he didn't notice! Ha proof #1! I came across tons of interesting articles about starting a business because I was starting a business!

Proof #2: After having gone to Hawaii in December, all I see are pineapples. Granted they are appearing in the fashion world, but I am talking about prints, cards, at the grocery store, tea flavours, soap scents. And not just that, I'm noticing when my friends on Facebook go to Hawaii. And I'm noticing Hawaiian books, tropical scents (pineapple, coconut...) and Hawaiian recipes online.

And now the current now: money, or more specifically, saving money. My friend told me about a site she reads: Blonde on a Budget, (and by the way I hadn't told her I was trying to save money), and all of a sudden, Mint starts emailing me again, I'm trying to not buy anything "stupid". Most of all I am trying not to spend money on new tea from DavidsTea and home deco items at Indigo Chapters. and that has been really difficult. I hope to continue talking about this subject in future posts!

Until next time, keep bettering
Yours,
Happy Miss K

5 current life improvements

A short post to serve as an update, things I am focusing on, things to improve and take action on:

1. Gratitude

I continue to practice gratitude. I've noticed recently that when people ask me "How are you?" I tend to take all the good stuff for granted (--> the everyday things like being healthy and employed, as well as the small daily things like a delicious cup of tea or someone asking me how my day is going), so that the things I want to mention are all negative (aches and pains, deadlines, work stresses, annoying coworkers) and so my average mood is always negative. 

Action I'm taking: instead of mentioning bad things, when people ask How are you? force myself to say good and think of something positive. 

2. Circle of influence

Following some end-of-year evaluations and feedback, the reputation I've built is one where I seem to be elsewhere that at work. it's not so much being negative as it is just thinking about other things and being "in the moon" as I like to say, dazed. 

Apparently the heart has a electromagnetic field that is 8 meters radius all around us, and that in some way it affects the people around us. Our mood will affect people around us. 

Action I'm taking: acting confident, trusting, lead by example, be the fire and the bright light in the room. That means smiling in front of others, correcting my posture, listening attentively, thanking others for their actions. Coworkers, family and significant other. I usually don't have that problem with friends.

3. Communication in the family

In my family, we accept errors of those around us by not ever bringing them up and bottling our anger. We also assume how other people will respond, and therefore not include them in plans or not go ahead with plans (depending). So I'm taking it upon myself to change my relationships with them because that's not acceptable for me any more. 

Actions I'm taking: Say when I'm hurt, even if I feel extremely vulnerable. Ask to be informed for certain decisions. Inform them of my decisions.

4. Me time

When I focus solely on important tasks , that are usually urgent or stress me a little because they're so important (like my bakery- ... oh that's right! I didn't post about that yet! in the meantime: www.gateauxdulce.com) I get judgemental on myself - not doing enough, not doing it fast enough, spending too much time watching TV (that part is true). 

On the other hand, when I read and do things I've been putting off that are enjoyable such as creative activities, reading and planning a trip, I feel like life is good. 

Actions I'm taking: Replace TV and online shopping with reading, baking, planning and creative things like drawing, painting, etc.

5. No spending on useless crap

Speaking of online shopping, after a big discussion about whether or not we should buy a drone for travel videos, which costs about 2500$ by the way, I've decided to see how much stuff I can cut out of my spending. 

Actions I'm taking: When I have ingredients for lunches in the fridge, but don't feel I have the time, I will make a lunch so as not spend money on a lunch at work. I'm super addicted to Indigo Chapters and DavidsTea so not spending there will be the hardest. I bought a gift at DavidsTea and then found a better gift (guess where? Indigo!), so I guess that was a failure (but I eat failure for breakfast) because I ended up with extra tea. But no more! 40% off online tea......... I check the specials daily but so far I haven't bought any! Yay! Only once I run out then I can buy more.... it'll be a while!!

I encourage you to set big goals and to take small actions every day to achieve them! Something that has helped me a lot is this Passion Planner, Thank you!

Signed, 
Miss K

Jealousy

A new pattern for me: jealousy

Jealousy isn’t something I am altogether familiar with…well, yes and no. Yes I am familiar with the heart ache I feel with jealousy, when someone I know has something I don’t and that I feel shitty for not being at the same place, but No in the sense that it’s rare that I get jealous. I must more often get that feeling just because I am judging myself: “I should be more like ____, but I’m not, and I hate myself for it”

I just got jealous again. My friend who’s shown me that she’s changed so much after taking a personal development class, I got inspired to do the same. I too have gone through a lot of positive changes. Now she’s totally changed careers and she’s starting her own business… and that’s what set off that feeling of “I’m not good enough” followed by “and I am never going to be.”

I took a moment to calm down and thought it through. Emotions are useful: they tell us something and figuring out what they are trying to tell us is Emotional Intelligence. This jealousy is telling me that I would like to eventually own a business. It is also telling me that I want to be excited about work, as she was.

And finally I can’t just push aside jealousy, by putting it into a small box for a rainy day. No – feel it, and accept it. It’s okay to be jealous. Now take action. You want to find career happiness, Karen? well go and find it. There is no other way. I’m sure she has gone through jealousy herself, and gone through a lot of negative emotions before finding something for her. Also, I can’t expect to have the same pathway to happiness as her, as our pasts are not at all the same, and our selves are two entirely different people.

I feel better already.

(PS. Reading material: http://www.forbes.com/sites/work-in-progress/2012/08/01/the-real-reason-youre-jealous-of-your-friends-success/2/)

Getting out of the vicious circle

"If you feed the madness, it feeds on you" from the episode I JUST watched in Once Upon a Time

A few "bad" things (it's a matter of perspective, don't you think?) happened in a row and it snowballed: I lost control of myself then got into a doom & gloom mood for a couple of weeks, a "phase". In that phase, which I've had before a few times, I go down hard on myself, and then hate myself for everything I do. It's the harsh self-talk that goes on in my head when I'm not doing something fun. I do do fun things that make me temporarily happy and forget, which I think is part of the reason I get out of the negativity phase eventually, but they feel like escapes. Because when those fun things end, I go back to the black cloud mood where it's easy to be mad, it's easy to hate, it's easy to blame. 

I had this twice since I went to Open Heart in April 2014, and got out of it consciously, using the tools I got from the seminar. Because of that course, I'm aware and conscious. It sucks, but it's good at the same time because I know what I need to do. It sucks because it adds another reason to hate myself (therefore, vicious circle), but it's good because, as I ruin, blame, cry, get angry and wish bad things on people who didn't do anything, I also put time to exercise, do my written exercises that I learned from the seminar, take time to do breathing exercises, and meditations that inspire me, because I know those work. 

But man, is it hard to start, to put effort and be uncomfortable! But starting, well, that's non-optional for where I want to go!

I have motivation to find the happy version of me, it's really good, and I'm so thankful to have found a way to get there, even if I have to do it over and over .

People and sites I follow that inspire me:
http://instagram.com/maddykatelier
http://mindvalleyacademy.com/
http://cupcakesandcashmere.com/ (special mention for her newest post my-5-steps-for-tackling-anxiety)

1st Tip on Building Relationships

Hi there

My new interest is LinkedIn Updates, a sort of news feed with interesting articles. After posting a few shares with a small comment, hardly difficult, I was asked whether I wanted to join LinkedIn as a Publisher. Hmm, interesting. I don't know if I am good enough at writing to actually publish anything of value, and I would definitely want to post something of value if anything at all, but I added that feature to my profile nonetheless. 

Since my steps towards betterment with my personal development courses and home work, I felt a sort-of wave of understanding towards the people and world around me and an inspiration to motive those people to take similar steps or to simply be slightly happier or take steps to better themselves. In other words, I found a way to contribute to the world. 

It's important to have a reason to contribute, a darma, a personal life path/purpose, even if it's vague, or just a gut feeling. 

I don't know what I'd write about, I figure I'd use this blog as a way to collect my thoughts. Afterall, no readers, yet accessible. I want others to see that it's possible to have questions and be uncertain, and be all sorts of unhappy while also taking steps to find that happiness, take it back, choose it and work on yourself.

One thing I can think of right now is that to build a relationship with anyone, boss, friend, sister, coworker or anyone, it's important to be open and honest. It doesn't mean divulge all your deepest secrets, but it means, don't expect the truth and openness from the other person if you're not ready to give it out yourself. One coworker told me in an attempt to give advice, that being open at work is a sign of weakness. I used to believe that, so much that it ruled my entire life from day one to a few months ago. I still do unconsciously.... But boy is that wrong. 

No wonder I have had troubles building trusting relationships with my coworkers (I want to trust them to be honest and reasonable with me and anyone)! How could I expect them to open up and be real if I wouldn't let the real Karen out? 

Think about it, it starts with body language. You wouldn't approach someone who looks grumpy, but rather go to someone who seems happy or peaceful, for whatever reason. So, basically if you want anything from the other person, they have to first feel like they can get something from you - it's like a payment I guess, but it's true. First you open up - it's a risk, but it's worth it. You say "hi, how are you?" if they say "good, you?" you won't want to say anything more than "good" also. But if they build a story around how they're feeling, you're likely to give the same sort of response. 

So, that's something I would need to fix up a little before sharing........

Balanced Assertivity

I struggle with being the correct level of assertive. I am a push-over then I am pushy. I am working to eliminate the push-over side and it's working. Then I say one thing and I am pushy. 

What's pushy anyway? If you close up and shut down, you've been exposed to someone who is pushy. I think when Martine and Sylvain called me to do the Leadership program they were being pushy. 

But then I build the relationship with my mom, let her open up to me for a few weeks, ask her questions for introspection, but as soon as I talk about 'the course', it becomes pushy?!? How does one word change the conversation? How does it go from being open to being closed and I become shut out? Am i pushy or is she closed for support? Why is it too often?

But it's not just my mom. It's my mom, my sister and my boyfriend. Maybe more, but they're the ones who have said it. That means it's something I do. What do i do that makes people close up and shut down? 

You have to ask yourself: do I close up and shut down? am I afraid of support? Was it that I didn't build the relationship enough? Am I afraid of intimacy?

I think I am open to support. Probably too open. Though, I don't necessarily apply the support I get right away... which might be the cause. I was certain that I built the relationship enough, because sometimes all it takes is a simple "how are you?" and actually care. I care! 

Caring, overthinking and analysing though, I am not sure those get me to the place I want to be. 

It's frustrating, but something to think about.

Let me just add a link: http://leadershipfreak.wordpress.com/2013/12/18/how-to-be-assertive-not-pushy/ 

'Open Heart' seminar that changed my life as I knew it

Dear reader,

I’m writing because I took this really interesting weekend 30-hour seminar in April in Montreal, QC and I thought I’d share it with you because it really changed my perspective, improved my self-esteem and awareness in general. Also If you are interested in bettering yourself, like I am, you might find something of value in my experience.

This weekend seminar is called Open Heart and, in a few words, deals with breathing, self-awareness and introspection. So I went to this weekend seminar because I wanted to get rid of stress I was having at my job due to projects (my hard time completing them) and stress related to my relationships with my coworkers (who are nice and evil and really screw with my mind). I received tips and tricks for dealing with the stress, but what I got out of this seminar went a lot deeper than that: I realized my stress wasn’t just about my projects and my coworkers, but it went a lot deeper into my sub-conscious.

We examined negative repetitive patterns that everyone has at least a bit of, so I figured out mine (the major one is seeking approval in everything I do and say), I understood where they come from and why I act like I do, how it has affected my life to date and how I can fix it.

I realized how my relationship with my parents has shaped the way I am in the world, my relationship with people (including coworkers) and with things (such as projects) as well as the way I communicate. I am somehow more self-aware and I realize more than ever how much is in my hands, and that I have the power to change my environment. It’s funny, I used to know this in my brain, and I thought I knew it, but the truth is that I realize how that I never really felt it; I sort of had a breakthrough and now see things way differently.

After realizing my patterns and because of the exercises we did, I’m able to let go of things that used to eat me up inside, short-term tiny things like a fight or the traffic and long-term things like how my parents raised me.

So, since the seminar, I’ve noticed a major change in my communications: I had a terrible relationship with my mom: always falling into her negative trap and struggling for air, whereas now I don’t let that shit fly! I may not be able to change her, but I sure as hell can change how I communicate with her and it’s become much easier and possible! I actually am able to have a real conversation (about real things, not the weather). I’m so proud of myself. I’ve also changed my communication in a similar way with my boyfriend, coworkers, and other people – I am used to reacting instead of responding reasonably and I am much more assertive and able to relax faster when stresses come up. Additionally, I am aware now of the negative behavioural patterns that people have and I can see them all around me and protect myself from getting absorbed into the negativity, mind games, etc.

Lastly, many of the exercises made me more aware of myself physically and emotionally. I live a lot more in the present and I have noticed a significant shift in my overall positivity.

This is what it brought for me in the last month and I am really grateful to have taken the risk in taking this course, and I encourage you to do the same if you see anything of value for yourself. I have increased my self-esteem, I improved my current relationships and communications, I am meeting new people and having good conversations with them, I also started to find hope in my career, I am able to deal with stress a lot easier, I live less inside my head and would say I am a LOT closer to inner peace. This seminar could also help you let go of illness if you have and increase your prosperity.

The seminar is called Open Heart (www.lyselebeau.com) and the next one is June 27^th (evening), June 28 (all day) June 29 (all day) and July 2^nd (evening).

If you have any questions or comments or would simply like to talk about it, please send your comments. I look forward to your reply, and have a nice day,

Miss K