Via Negitiva - Bro

Via negativa” is the idea of improvement by subtraction. Using this approach to happiness would be to remove things that do not make you happy. I first heard this idea from Nassim Taleb. An analogy would be to take a block of marble and removing all the marble that is not the statue. By doing so you would be left with only the core beauty of the rock in the form of a statue.
In my life there are many things that “bring me no joy”. I am sure we can all think of examples such as business meetings, dentist appointments, traffic, ect. It is very easy to try to focus on what makes us happy or what we think we need but it is just as important to think about what makes us unhappy.
A prime example of this is traffic. How much joy do you get from sitting it traffic? Even with a good audio book or podcast it still sucks to be in traffic. If you move closer to work and cut a commute from 45 minutes each way to 15 minutes each way your life will be much better than if you were to instead try to f…

Happiness: Pleasure, Engagement And Meaning - Sis

Martin Seligman, a pioneer in the field of positive psychologist breaks happiness down to three areas, pleasure, engagement and meaning.

Pleasure. What brings pleasure into your life? Searching for thing that bring you happiness is important. I find more pleasure in making a fort at home, popping some homemade popcorn and cuddling with a favorite blanket to watch a movie way more pleasurable than going to the theater. Convenience has gotten in the way of experiences. Taking a nice long bike ride in the spring sun brings us more happiness then another mindless TV show. Sometimes we have to force ourselves out of routine or convenience to find happiness. What gives you pleasure throughout the day?

Engagement. I am a mother. Everyday I am engaged with my son, learning life through his eyes. Colors, shapes, sounds, they are all new and exciting. This brings me happiness. Being in the moment and engaged in his life are very important to me. This is one of the reasons it is important for me t…

Forgiving Financial Past To A Better Future - Sis

We all wish we would have started saving when we were 16 years old, that you maxed out your 401K right away, or did not buy that new car. We are on this crazy journey called life and we all make choices, this is a fact we need to face. Sometimes when you are reflecting back you wish you made different choices or have regret. We can’t live in the past and try to fix our errors but what good will that do anyways? Yes, we should learn from our mistakes so we don’t make them again, but we also need to forgive ourselves and looks towards our future.

In the book, You Are A Badass: How To Stop Doubting Your Greatness And Start Living An Awesome Life, by Jen Sincero the author goes over 9 steps to “winning yourself over again”, or self forgiveness. These steps can be applied to one's financial life as well.

1)Appreciated how special you are

This is your journey, be proud of it. No one person has the same story as you. Whether you make minimum wage or a six figure salary you are the spender o…

FU vs FEveryone Money - Bro

The concept of FU* money is nothing new. The general idea is that you have enough money that you can tell someone (like a co-worker, boss, or bosses boss) FU and still be okay financially. Recently I stumbled across the concept of FEveryone money. FU money and FEveryone money might sound similar but the magnitude is different. FEveryone money is FU money taken to the next level.
FU money is almost the same thing as an emergency fund. In a way it is an emergency fund on steroids. This money gives you room to speak your mind. If for some reason you need to quit your job FU money allows you to say “FU”. Eventually you will need to figure something out but you have the breathing room to figure things out. As your FU money grows the number of options you have grows. Starting out you might need to find a similar job a few months after saying FU. As your FU powers grow you might need to still get a similar job but a year or two after saying FU. Eventually your FU cushion might grow to the po…

Why I Don’t Plan On Becoming A Extreme Couponer - Sis

As a mother I tend to do most of the grocery shopping. This is one of our families largest expenses. It’s always a balance between buying quality ingredients and affordable products. But I also feel like that there is a crazy world of extreme couponing that us moms have to deal with. Everyone wants to see their bill go from $100 to $15. I have googled more then once how to start the process. Everytime it never seems to click, or I just can’t figure it out. Kimberly Palmer, the author of the book, Smart Mom Rich Mom, How to Build Wealth While raising a Family, explains perfectly how I feel was about couponing, “we have to break out of this restrictive couponing mind-set and think bigger- much bigger. Think about how to be a skilled shopper every day and not just a discount chaser on the weekends. Think about negotiating ongoing bills and monthly expenses, instead of getting distracted by one time purchases that aren’t that expensive anyways.” This just hit home to me, like many thin…

Offline Mode - Bro

There are many times that the internet is not available on your phone. This could be because you are on an airplane, cruise boat, in the mountains, or simply trying to save money by conserving your data. This does not mean that you have to lose out on your news, music, or movies. I use a few select apps to fill the internet void.

Music: Google Play Music (Free) - Google gives you the option to upload your whole music library to “the cloud”. You can then stream or “cache” your music. This allows you to create and download playlists and select cds to your phone or tablet.

Stitcher (Free) - Stitcher is an app that collects all of your favorite podcasts into one place. You can create “stations” which can be downloaded for offline listening. The free version of this app is supported by advertisements in between podcasts.

Spotify ($15/month) - This is a streaming service I have recently switched to. We purchased a family plan for $15 per month (split between a few family members). For this pric…

Sacrifices VS Distractions - Sis

“I done made sacrifices, so many sacrifices I done gave up so much free time knowing time ain’t free” Sacrifices Big Sean ft Migos
Sacrifices can be linked all the way back to the biblical era when families would offer or sacrifice an animal as a religious practices. Sacrifices are a loss or something you give up to achieve another goal. Big Sean describes sacrifices he has made in his hip hop song quoted above while achieving a successful career. It is clear that we all make sacrifices and most likely, they are also a part of your financial journey.
Distractions are anything that takes your attention away from giving your full self into a task. Christopher Columbus sailed the ocean blue, at least I remember the song going like that, looking for trade a trade route to India. Quoted below he talks about prevailing over all obstacles to arrive at his goal. We all have distractions in our lives that can set us back on our financial journey.
“By prevailing over all obstacles and distractions, …