Investing For The Absolute Beginner

Millenials are being encouraged to invest more, but it’s not something that you should venture into lightly. There’s a lot at stake when you’re moving money back and forth: one wrong move, and you could lose some of your money. Fortunately, though, getting started with investing isn’t too difficult, even for someone who knows nothing about it; as more beginner-friendly resources have started to appear more on the market.

Investing For The Absolute Beginner #investing #money #lifestyle #beginner

Invest In Your Future With An App

To appeal to the younger tech-friendly generation, several apps have become available that let users invest small amounts of their money in different sorts of accounts. Acorns, an app that takes a few cents out of your paycheck each month, is designed to work more or less automatically and return you money on your investments. However, there are others, such as Stash, which are designed to work manually. Stash is meant to teach you how to build your own portfolio through investments.

Real Estate Investments

There are many additional forms of investment to choose from. Real estate, for example, is often considered an investment, though it can be regarded as short-term or long-term depending on how you intend to treat it. Although investing in real estate often involves a rather significant barrier to entry in the case of buying homes, it makes up for that in being a sound investment.

When buying real estate for investments, short-term usually refers to a buy-and-flip model, while long-term usually involves a buy-and-wait model. Buy-and-flip models typically involve purchasing a house, redesigning it or updating it, and selling it for top dollar. Buy-and-wait homes, on the other hand, are often used as long-term appreciating investments, and they can be rented out for additional profit (or to cover the cost of a mortgage) in the meantime.

What Does Diversification Mean?

Diversification is an investing term that means spreading your assets over several different areas. For example, if the stock market crashes and you have all of your money invested in stocks, you’re in for a bit of a rude awakening. However, if your investments are spread out over different kinds of accounts, like bonds, real estate, and mutual funds in addition to the stocks, you might lose some of your money, but you’ll still be in good shape. Diversification is a recommended tactic for anyone interested in investing.

Investing For The Absolute Beginner #investing #money #lifestyle #beginner

There is a lot to learn for the beginner starting down the path of investment. However, with the many resources available today, anyone can learn everything they might need to know to invest knowledgeably. Whether you choose to do so through a largely self-sufficient app or do it yourself through some other method, as long as you educate yourself well before going in, you can find success through investing.

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Can Traveling Change Your Outlook on Life?

Can traveling change you? Can it change the way you think, feel, listen, and go through your daily motions? The short answer is, yes. It’s entirely possible that it can. When we decide to do something out of the ordinary and risk coming out of our comfort zones, we’re also deciding to change up how we interact with the world. Traveling can be hard work, it can be frustrating, even downright disastrous. But more often than not, it can be transformative. It can act as a reminder of why we’re here, let us tap into the beauty that lives in spaces we sometimes forget exist outside of our own, and remind us to be present whenever possible.

Can Traveling Change Your Outlook on Life? #life #travel

 

More Living in the Moment

It doesn’t matter whether you’re traveling to see a far off country, or experiencing a quaint little town on your own. Traveling is a feast for your senses! It’s something different to be experienced. It’s easy to realize just how much we don’t recognize in our everyday lives when we’re traveling and entranced by something new or different. We’re quicker to stop and live in the moment rather than to move right past it. It’s easier to not dwell on those notifications on your phone when you’re out looking at new sites. Traveling helps us unplug from the devices we feel most attached to, and it teaches us to explore ourselves as much as the sites we’re seeing.

Can Traveling Change Your Outlook on Life? #life #travel

 

Challenging Your Expectations

Traveling doesn’t always go as planned, and because of this, we have a chance to see how we’d react first hand to change and the unexpected. Everyone has that one story about a delayed, or canceled flight. A horror story about losing their luggage, or getting lost in a far away city. These stories should teach us to travel wiser, and be prepared for anything, but what they often do is discourage us from travelling at all. No one wants to be stuck in an airport for 12 hours straight, but the sooner we realize that this is just another experience to broaden ourselves, and the sooner we roll with the punches, the sooner we’ll come to accept the travel challenges we might face head-on.

Learning how to stay calm in the face of major frustration is possibly one of the most important skills we can use outside of travel. Dealing with that lost luggage, or cancelled flight is no different than dealing with any annoying situation that life might throw your way. Being able to handle the hand you’re dealt is invaluable, and you’ll definitely acquire the “I can handle this” attitude the more you just get up and go.

Can Traveling Change Your Outlook on Life? #life #travel

Don’t stop yourself from enjoying your life because something might go wrong. Traveling can help you stop worrying that things can go wrong, and plans can and will change. We can’t let ourselves be overburdened by what might happen when what is happening is right in front of us.

 

Opening Yourself Up to a Life That’s Different Than Your Own

No country is absolutely the same, even traveling from city to city can allow you to encounter different cultures, belief systems, and ways of life. Ultimately traveling is a privilege, and we can use it to better ourselves by learning how to properly appreciate and experience the spaces we’re visiting. This can help us change our outlooks on everyday too. We don’t have to travel across the world to gain this understanding, but using that privilege to take a step out of your comfort zone and into a space that’s not normal to you, in a respectful way, can change the way you live your everyday life.

 

Traveling with confidence?

For most people, there is some level of anxiety when traveling. Let’s face it, if you’re traveling beyond your normal boundaries, there’s bound to be as much anxiety as there is excitement. But for those who’s anxieties are overwhelming, traveling may seem out of the question. Although it might not be as easy as buying that plane ticket to a place you’ve always wanted to see, allowing yourself to work through those anxieties will help you overcome the ones you’re experiencing at home, as well.

Can Traveling Change Your Outlook on Life? #life #travel

If you don’t feel comfortable traveling thousands of miles away just yet, make the trip close, short, and sweet. Travel with a goal in mind. Have a purpose to travel—whether it’s to see a specific site, or eat a particular food—have one or two simple plans that you know you want to accomplish before your trip is done.

 

Can It Change You?

So, can traveling really change your life, your outlook, even your mindset? Yes! If you let it, of course. Getting out of your comfort zone and seeking out new experiences can be transformative for your life. It can change the way you look at those around you, the beauty of the world in which we live in, and what we expect from ourselves. After all, traveling can give us the time we might not otherwise have to really get to know ourselves, and that’s a worthwhile pursuit.

Room Redesign on a Budget

Do you have that one room that just needs a little love? Maybe it’s a tad outdated, or maybe it just doesn’t carry the aesthetic of the rest of your home. We’d love to be able to change up, or restyle a room whenever we got the urge, but if we’re on a budget, that might not be realistic. Here’s some tips to redesign a room on a budget. Little changes can have a huge effect on the outcome of your living space.

Room Redesign on a Budget #roomideas #budget #budgetfriendly #home #redesign #paint

Evaluate Your Space

  • What is this space?
  • What do I use it for now?
  • How does it make me feel?

It’s good to figure out what this space currently means to you. If this space is technically a living room, what do you consider its use? A family den, a greeting space, a place that houses your couches? It’s important to understand what this space means to you and the others in your household before you decide what it’ll eventually become. Once you evaluate the space and have your answer to those three questions, then ask yourself: what do you want this space to be and how do you want to feel when you’re in this space?

Room Redesign on a Budget #roomideas #budget #budgetfriendly #home #redesign #paint

Easy Transformations

If you choose to redo a room, try first to transform it through budget friendly means. From reusing, or upcycling items you already own, to merely painting the space a new color. There are a million and one ways to spruce up your space.

  1. Paint! Painting a room is one of the simplest, more affordable ways to reimagine your room. Color has a transformative power. If you’ve already decided to change up what’s hanging on your walls, or rearranging furniture, you may want to think about taking a pause on putting anything back up before you have a chance to paint.

Room Redesign on a Budget #paint #redesign #room #house #budget #money

 

Use paint to bring a certain emotion, or presence to a room. Is there a color that makes you feel happy, studious, or calm? Don’t be afraid to get creative with your interiors, and your color schemes. If you’re going for a minimal look, but want to bring color into the space, try painting one wall with a strong accent color. If you want to bring an extra uniqueness to a room with concrete or wood floors, try painting your floors instead of your walls.

  1. Chalkboard Paint

If you’re looking for creative way to utilize your walls, try using chalkboard paint. It’s a fun and useful way to use a wall in a room. It’s excellent for children’s rooms, as they can doodle on a chalkboard wall as much as they’d like without ruining the wall itself. It’s also a great idea for decorating a front room, or kitchen on a budget. It’s a great idea if you like to have a “to-do”, or grocery list visible to everyone in your household.

 

Have Fun With Your Furnishings

Move it around! If it’s not in your budget to find brand new furniture for the room you’re redecorating, use some time to move your furnishings around. Sometimes, all it takes to look at a room in a new light is just the simple act of moving things about. There’s always that one piece of furniture that either suits a room or doesn’t. Find a clear space for it.

Room Redesign on a Budget #paint #redesign #room #house #budget #money

Upcycle & D.I.Y.

Before you go out and make a new purchase for your room, try and upcycle something you already own. Whether you’re giving a beloved piece of furniture a facelift, or take an upholstery class to update tired seating with new slipcovers.

Room Redesign on a Budget #paint #redesign #room #house #budget #money

Make It Livable

Only spend on what you know you’ll love for years to come. One of the most enjoyable things about getting to revamp a space is having a chance to change the way you experience the space. Whether you make bold choices, or simple ones; this is your chance to fall in love with a space you’ve maybe forgotten about, or even avoided. Redoing a room on a budget doesn’t lessen the work that can be done, but it does mean you should be willing to get creative.

Make sure you know where and why you’re spending your budget. If you plan to splurge on one or two items to pull your room together, do so carefully. There’s nothing worse than spending your budget on items that will never use, or items that will run out their welcome quickly, you can purchase decorative drapes and curtains that’ll give the room a pop. If you intend to buy instead of repurpose, make sure that you’ll love what you bring into a space many years down the road. Keep your spaces unique, but livable.

How to Know to Whom You Should Be Marketing

 

The world of marketing is more complicated today than ever before. People are busy and resistant to advertising; there are so many channels that people could use for marketing and advertising, and social media (which has quickly become the most popular and successful method of marketing) is always changing. These are only a few of the hundreds of challenges that marketers are faced with as they sit down to determine their marketing and advertising campaigns.

How to Know to Whom You Should Be Marketing #marketing #business #entrepreneur #work

However, although marketing and advertising are arguably more difficult than ever, the fundamentals have not changed. In fact, the basic rules of marketing and advertising will never change, and when you are feeling overwhelmed by the seemingly endless possibilities and confusion that marketing and advertising naturally bring, you can find your footing on basic principles that aren’t going anywhere, are easy to understand, and can be applied to every aspect of marketing and advertising.

How to Know to Whom You Should Be Marketing #marketing #business

One of those fundamentals might seem obvious, but in fact, many companies run into issues because they never stop to think about it. Many companies never stop to ask this very important question: To whom should we be marketing? If companies do ask themselves that question, they are often tempted to answer with “everybody!” Of course, every company would ideally want everybody’s business. They see it as a win-win: Our customers get our products or services, and we get their money!

But the fundamental flaw in that line of thinking is that a company’s target audience is never everybody. While it might be tempting to make your target audience as broad as possible, refining your target audience and coming up with a very clear definition of exactly who it is will help your company focus on what’s most important and therefore advertise more effectively.

So now that we’ve determined that your company’s target audience isn’t everybody, it’s time to find out who it is. And that’s what this article is here to help you do. In just a few simple steps, I’ll outline a nifty trick that you’ll be able to use to help you determine who your target audience is. Once you know that, you’ll be able to create better advertisements and reach your potential customers more effectively.

Determine Who Your Ideal Customers Are

The first step in defining your target audience is to create a detailed and specific depiction of your ideal customer. When creating your ideal customer, you’ll want to be as specific as possible. Here’s a list of questions you’ll want to ask about them.

  • How old is this person?
  • What is their income?
  • How do they spend their free time?
  • Is the person a man or a woman?
  • Where is this person from?
  • What time of day would they visit your store?
  • How did they hear about your business?

Those are only a few of the questions you should be asking, but you can probably see what’s happening here—you’re creating a very specific outline of your ideal customer. After you’ve asked yourselves those questions, you should be able to write down exactly who your ideal customer is. Here’s an example:

“Our average customer is a 50-year-old caucasian woman from San Francisco, California. She is from a middle-class family and is married with children. She has an active lifestyle and loves the outdoors.”

Determine Who Your Current Customers Are

Once you have created a depiction of exactly who your ideal customer is, you’ll want to ask the same questions, but this time about your current customers. Take a look at your data and determine your average customer’s age, income, gender, etc. and then write down exactly who your average customer is, just like you did with your ideal customer.

Compare and Contrast the Two

Once you have an accurate depiction of your ideal customer and an accurate depiction of your average customer, you’ll need to compare the two and see which aspects of them are similar and which are different. This exercise is especially helpful because it shows you the disconnect between who you want to be serving and who you are serving.

How to Know to Whom You Should Be Marketing #marketing #business

If, for example, you want to advertise to teenagers but your main customers are in their early thirties, you’ll know that something is wrong with your marketing efforts. Maybe you need to make your advertisements less formal to attract a younger audience. Maybe you need to stop advertising on Facebook and start putting more emphasis on Instagram or Twitter. This is just one example of how this method can help you determine who your target audience is and create better content for them. I hope you found this helpful!

The Life-Changing Effects of Nature Therapy

We have come a long way in a relatively short period of time. What I mean by that is that it wasn’t very long ago that humans were spending the majority of their time outside farming, hunting, gathering, and traveling. Of course, we have come a long way since then, and now studies have shown that the average American spends around 96% of their life indoors. Between houses, buildings, and automobiles, people usually spend as little time outdoors as they can, only using their outdoor time to move between buildings and automobiles.

Most people would agree that this change has been for the better—we no longer need to worry very much about severe weather, such as snow or wind, and we are able to regulate the temperatures of our surroundings to make us more comfortable. While there are a lot of benefits that come with living indoors, humans are naturally outdoor creatures. There is a part of us that longs to be outdoors, and spending more time outside can be very beneficial.
The Life-Changing Effects of Nature Therapy

The benefits that come from spending time outdoors are significant and beneficial enough that some forms of therapy incorporate spending time in nature into their treatment programs. Nature therapy offers some incredible benefits that are not found elsewhere. There is something about spending time outdoors that is therapeutic. Here are some of the life-changing effects of nature therapy.

The Life-Changing Effects of Nature Therapy #therapy #nature #selfcare #lifestyle

Lowers Levels of Stress, Depression, and Anxiety

Spending time in nature can have significant impacts on mental health. Nature therapy has been shown to decrease levels of stress, depression, and anxiety by lowering levels of cortisol, a chemical that has been linked to stress. Additionally, there are essential oils and certain scents that are found in nature that have a calming and uplifting effect on the body as well. Lavender is one of these. Lavender is often used in aromatherapy to relax the body and induce sleep.The Life-Changing Effects of Nature Therapy

Teaches New Skills

Nature therapy does not consist solely of standing outside doing nothing. Often, nature therapy programs consist of outdoor activities and adventures that teach the participants new skills. Some of these skills include skiing, horseback riding, archery, mountaineering, and more. Learning new skills has been shown to increase happiness and confidence, as well as strengthening a person’s determination.
The Life-Changing Effects of Nature Therapy

Replaces Bad Habits

It is well-known that the best way to rid oneself of a bad habit is to replace it with a good habit. Because of this, substance abuse rehabilitation programs often use adventure therapy as part of their treatment modalities. Not only does spending time outdoors prevent the recovering addicts from abusing substances, but it also acts as a replacement habit that they can use to cope with their emotions without needing to depend on drugs or alcohol.

Fosters Good Qualities

People who engage in nature therapy and the outdoor activities that are a part of nature therapy naturally develop good qualities. Integrity, dependability, and maturity are some of these. The challenges they face during their adventures are real and demanding, and they often require teamwork, thoughtfulness, creativity, and determination to solve. Because the participants are engaging in real-world activities that test their grit, they naturally develop or strengthen many other good qualities that will benefit other aspects of their lives as well.

Teaches Responsibility

Nature therapy is often used for behavioral reformation programs that work with teenagers and young adults. Part of the reason is that it teaches responsibility. Many teenagers and young adults do not understand responsibility or refuse to take responsibility for their actions. Nature therapy is a way for them to learn the importance of responsibility in a fun and non-threatening way.

Strengthens Interpersonal Skills

Many people have problems with developing and/or maintaining interpersonal relationships. People with mental health problems or substance abuse addictions are especially impaired in this department. Because the activities that nature therapies organize involve so much teamwork and communication, participating in nature therapy strengthens interpersonal skills. This is an incredible benefit because interpersonal skills are important to have for every aspect of a person’s life.

Happy New Year

I’m not one for New Year resolutions, I never have been. There will be no new year new me, however I will be doing a few  things differently.

Happy New Year! #newyear #optimistic #hello2019 #goaldigger #goal
  • Devise a plan & execute
  • Become more aware of my surroundings 
  • Reflect on myself
  • Take better care of my mental health

I am devising a plan for 2019, I’m hoping it to be my best year yet. I’m still trying to find my way career wise (which i feel like puts me behind), when I’m in an office all I can think about is being my own boss. This isn’t because I’m not happy with the bosses I have but because I have a passion and drive that I want to peruse and bring to life. I’m trying to put the pieces of the intricate puzzle together freestyle, I have no picture to compare it to so I am winging it more or less. I’ll be giving it more thought; which is very unusual of me, I’m usually already diving in head first.

I can’t pinpoint which it is, the fact that people are so rude or the news I see every afternoon. I am slowly losing hope in humanity and I’m considering becoming a cat. I watch way too many detective/murder shows to be off guard as much as I’ve let myself be while out mingling with the public. A bad habit I do have is scoping out the scenery to find objects that could be used as a weapon if need be (told ya, too many murder shows watched).

You’re probably going to laugh at me but until of late last year I hadn’t given any thought to reflections of myself. What happened was what happened and that was that, I didn’t dissect feelings or dwell on things. I internalize things, it’s what I do (which is why my screws are a little too tight. Pretty sure I’ll need major therapy if I dig up all the little tidbits, feelings, thoughts, emotions, etc I’ve buried in my years of rational thought). 

Oh mental health, what a very tangled web you weave. Going back to devising a plan then the execution, I feel like my anxiety is the worst it’s been in the job field. I have control over what happens while I’m at home or out in public but when I’m working things get hectic then I panic. Over the years I’ve ignored the anxiety monster however now it’s grown from a tiny little creature into a massive angry monster. Oh, it’s picked up a friend along the way as well – welcome depression. Hey, the more the merrier right? Wrong! I’ll have great days then on a random Tuesday I’ll be so overly stimulated by anxiety before I hit my snooze button twice that I can’t bare the thought of crawling out from under the blankets. Days like that random Tuesday will take discipline but at least I could work from the confines of my blanket fort.

I know the universe has its very own plan for me and I’m truly excited to see it, whatever it maybe. 

Then again I may wear a unicorn horned headband the entirety of 2019 and call it a success. 

Goals For The Rest Of The Year

After a month away from the blog I’ve went through a small transformation, kind of like a butterfly wiggling out of its cocoon. It was uncomfortable, confining, and scary but I think it’s for the best. 

I shed a relationship which I think is better as a friendship. I did learn a lot from the time we were together that I’ll carry with me for the rest of my life. I also relocated jobs, I landed a full time at the beginning of October which I love. The company is two companies under one roof so it’s super fast paced and there was and still is a lot to learn.

Sitting back reflecting on the year made me realize I’ve pretty much been living on autopilot too, just going through the motions day after day.

Goals For The Rest Of The Year #goals #lifestyle

As for goals to achieve throughout the rest of the year:

• To become emotionally aware

• Keep trying to heal emotional wounds

• Becoming more comfortable and confident with myself

• Putting the focus back on freelance writing

This year has been tough, dad passed away in February which took a lot out of me and I’ve been struggling a lot since then but I am trying to deal with all the feelings that come with loosing someone, not just anyone but a parent. It all happened so suddenly, if I knew then what I know now I would’ve forced him to seek out help. I’m still trying to pick up all the pieces of my broken heart. November is also his birthday month, so there is that too.

I’m shifting into a healthier lifestyle, everything that happened this year made me realize ya only get one body and one life (as you’re not a cat), it needs to be nurtured and looked after with care not stuffed with greasy cheeseburgers and pizzas. The cooler weather makes it easier to get out for walks on the regular, which is the plan. 

I have an amazing freelance client who I’ve been working with all year, she is kind of the perfect client actually. She’s been so understanding throughout the projects we’ve worked on. She offered me a huge project that i am very lucky to have the opportunity. I want to settle down, focus, and create killer content. 

10 Things That Make Me Happy Everyday

I’m not going to lie, some days are better than others. I’m trying to be more mindful as I go about my day, doing so I’ve picked up on things that make me happy. I can enjoy these thing that make me happy almost everyday if not everyday. 

It makes me happy to be in nature too, I don’t do it nearly enough though. A trip to the beach a few weeks ago reminded me of that. Since summer is drawing to a close maybe a few hikes will be in the books for the fall/winter, I do love going to the beach during the winter too though. It has such a different feel, I just love it.

Anything i can do to put a smile on my face or have a moment of calm in the anxiety driven mind I have; I’ll take it. 

10 Things That Make Me Happy Everyday #life #happiness #happy

  1. Watching my kitty sleep – and boy does he sleep a lot, he is pretty much level expert. 
  2. Seeing all the beautiful colors in the sky from dawn to dusk.
  3. Gazing at the moon and stars – if I didn’t know any better I’d think I was an alien.
  4. Reese’s Pieces – need I say more?
  5. The love I have in my heart – it’s full and I try to be kind and spread it around all day. It takes 2 seconds to say “thank you” or give a compliment.
  6. Practicing mindfulness everyday – it really helps to keep you grounded.
  7. Having a sense of fulfillment in my life – it’s been awhile if ever I’ve felt this. I started a new job September 10th, I have a loving family and friends.
  8. Fluffy blankets – I love getting lost in all of its puffiness.
  9. Crystals – I have my favorites that I carry around with me daily but I love them all. I’m currently carrying around a tumbled Rose Quartz.
  10. Sleeping in – I absolutely love to sleep so on the weekends I do take advantage.

What makes you happy everyday?