Simplicity

Ever since I was little, I've dreamed of being an adult and living a fabulous life. See, when you're a kid, growing up seems so simple, so pure, and so easy. Turns out that while it's often fun, growing up and being independent isn't always easy. The older we get, the more responsibilities we take on, and four years out of college, I'm already feeling the burn! Between budgeting, paying bills, keeping on top of my job and working my way through grad school, I'm just feeling…overwhelmed.

To top it off, I'm constantly fighting the want vs. need battle (and often losing).  Life is one big instance of dangling a carrot in front of a donkey, only I'm the ass and a pair of new Louboutins is the carrot. I waaaant those pretty things and I deserve them, dammit!

I wish the ten year-old version of myself understood that even though I grow up to be a nice, hardworking girl, I still struggle, and still find myself wanting to storm into my room and slam the door in protest. But now instead of being mad that my parents are making me eat the rest of my gross string beans before leaving the dinner table, I'm dealing with much scarier things like 401k plans and credit card ARP. Bleh.

I know everyone goes through this at one time or another, so it's nothing abnormal. It's kinda like a quarter-life crisis, plus a couple years :) Thankfully, I'm blessed to have a wonderful support network of friends and family around me, who always help keep me in check. I've decided that over the next few months, I'm going to work on simplifying my lifestyle so that I don't feel overwhelmed by everything. I'm not exactly sure how to do that, but I'm open to suggestions if anyone has ideas!

My first step is setting up a budget (I'm awful with money, although the intention is always there). After doing some research, I decided to use Mint.com which, if you aren't familiar with it, is freaking amazing. I'm terrified of the word budget, but this program is great, and FREE! Plus, they have a blog, and use Twitter, which makes keeping on top of it so much easier. What I love the most is that the program allows you to link your checking account, credit cards, student loans, rent/mortgage, etc. to your budget account, which automatically tracks your spending. Seriously. It also reminds you when payments are due, and can track any savings to keep you up to date on net worth. This is something I really needed to see laid out, to understand where I was with spending vs. savings. And it made me realize that I just have too many bills right now to keep on top of, so hence why I'm in a new mindset of being more practical. We'll see if it works :)

Here's a sample screenshot of the Mint.com program (not mine, obviously) in action:

Pretty cool, huh?  I'm going to give it a shot for a few weeks and see how I do.  Please still let me know if you have any good suggestions for how to streamline stuff and make life easier... I need all the help I can get these days :)
 
xoxo,
Olivia