The Untold Realities of Living a Financially Responsible Life - Cubicle Chic

The Untold Realities of Living a Financially Responsible Life - Cubicle Chic The Untold Realities of Living a Financially Responsible Life Debt-free Life, Home Life January 16, 2018 19 CommentsTop: Equipment Alma Silk Top, size S // Handbag: Palla A-Bag  use my 15% off code “Cubicle_chic” (P.S. They’re also available on Amazon!)To a lot of my newer friends, I probably seem like I have it together when it comes to personal finance. However, what I’m sharing today about the untold realities of living a financially responsible life will introduce you to a different side of me. Oh and in case you’re interested about more personal finance articles I’ve written as a fashion blogger, here’s  the 9 ways fashion blogging ruined my finances.Hello, My Name Is Jessica. I Am A Shopaholic.    (This is where you say “Hi, Jessica.”)Do you know someone who you’re pretty sure has a shopping addiction? If you knew me before 2016, you’d probably think that I was one of them. Perhaps the word addiction is a bit of a hyperbole, and I certainly never received a clinical diagnosis. But the impulsivity, utter disorganizati on, and unending appetite that I shopped with indicated something was, at the very least, behaviorally wrong with me on the personal finance front. And yes, something was indeed wrong â€" I had no idea what I was doing wrong!An Incarnation AgoI knew all the common knowledge â€" you need to save, and you shouldn’t spend more than you make, start investing in retirement early, etc. But I was still shopping the way I did anyway because I worked hard. I was living a privileged life, sure â€" I lived in my parents’ house and they were kind enough to not charge me rent, I didn’t have a student loan to deal with also thanks to my parents, and didn’t have anyone that I was responsible for financially. But I also worked hard at my budding marketing career, putting in all the hours and oftentimes overtime work too. So, I spent pretty much all my hard-earned money on fun â€" eating out, traveling, and of course, shopping. And I’m talking about designer shopping â€" $600 a pair of sho es and $2000 handbags kind of shopping. I think my record year was $30K spent on online shopping. Over a period of 3 years of having a full-time job, I had no savings, retirement or cash, and racked up about $5000 in credit card debt along the way.The Change2015 was a transformative year for me. It was the year that I moved in with my then boyfriend (husband now) and we started merging our finances together. I attribute most of my transformative progress in becoming a financially responsible person to my husband. He patintly showed me the way and shouldered our expenses together as I paid off my debt in 2016.  Another positive influence came from personal finance expert Dave Ramsey and his $100, 9-week course Financial Peace University which my husband and I took together. We often tell people it was our version of pre-marital counseling sessions. It was a difficult year to say the least, filled with many trials and tribulations and a lot of growing pains. I had to change my proble matic shopping behavior and tendencies and most importantly of all, my money mindset. I can write a book on this process. Leave me a comment if you’re curious!Top: Equipment Alma Silk Top, size S // Handbag: Palla A-Bag  use my 15% off code “Cubicle_chic” (P.S. They’re also available on Amazon!)Fast Forward To The Present, 2018A wedding, a new house, and 2 new jobs later, we are living a married life that I couldn’t possibly have imagined before. We have a budget we share and hold each other accountable for. We have a mortgage but are on a 10-year track to pay it off. We are a one-car household (that’s a rarity in California) but we make it work. I sometimes wonder how would the 2014-Jessica view my current life, if she could travel ahead in time and peer into it now? I think she would be puzzled, confused, and overall questioning how it works. So that leads me to what I’m here to write about today…Top: Equipment Alma Silk Top, size S // Handbag: Palla A-Bag  use my 15% off code “Cubicle_chic” (P.S. They’re also available on Amazon!)The Realities of Living a Financially Responsible LifeThere’s the good and, of course, there’s the bad. What I would say is that all the bad is completely worth the good. And in the end, the bad isn’t so bad when you accept it as a way of life.The less-than-glamorous side of living a financially responsible life:1. It’s not just about the budget anymore.  It’s about sticking to the budget, and checking and re-checking, aligning and re-aligning month after month. It does not stop. The only time when the budget feels like it’s not there anymore is when you and your budget are so in-synch, you don’t need to rely on it to know when to spend or when not to spend. But then life throws curve-balls at you. A flat tire. A leaky water heater. A friend who you haven’t seen decided to visit you last minute. Any of these things might put you in front of your budget again. I had to learn to be good friends w ith my budget and know that it means well so I don’t get sick of seeing it again and again.2. The impromptu Target cosmetic-aisle shopping-spree is no longer.This used to be my cure-it-all whenever I was having a bad day or just feeling down. The fluorescent lighting, plethora of new cosmetic and skincare products, and the HOPE of perfect skin almost always lifted my mood when I was down. But it was nevertheless a temporary solution. After the novelty and excitement wore off, the neon-orange shopping bag (when the remedy was the Ulta sort instead of Target) would scream at me and remind me how and irresponsible I was with my money. Then I’d feel worse. Not to mention, I only have a $250 shopping budget now. If I walked out of Target with $150 in purchases…. I’d only have $100 left!!3. Designer things are a dream-like, remote possibility.OK, guys, please don’t judge me or hate me for this fact. But I have a confession to make. I have 5 Chanel, 4 Louis Vuitton, 3 Gucci and 1 Proenza Schouler purses/handbags. Some of them came as gifts, but most of them I bought. I no longer owe any debt on any of them, but a few of them I did put on credit card when I bought them at the time. I have a weakness for luxury goods, obvi. But the last designer bag I purchased was in 2016. Ever since I went through the personal finance transformation, it’s become clear that designer goods purchase cannot be a frequent occurrence in my life anymore. It’s questionable whether there would be an occurrence at all. Unless I find another job where I make 6 figure again, I need to eliminate this reality from my life. No more designer bag purchases in the near future.4. I have learned to either say NO, or wait patiently  to save up for what I want which is not within my budget.Saying no to things I want is hard. But it’s even harder to say no to things that feel like they are a need.  For example, my hair. You see my long super grown-out roots? They’re so grown out they’ re barely roots anymore. But I have been waiting for a time when I have $200-$300 so I can fix it. I am also contemplating going black again. Because that perfectly ashy brown color? VERY expensive to maintain. Another example is our unfurnished master bedroom. We just completed a $25K master bedroom renovation in December. We went over budget. The next thing on the list to do was to furnish our bedroom (the only thing in it now is a queen-sized bed on a box spring and nothing else) but since we went over budget, we decided to wait a few months to replenish our cash reserve before shopping for our master bedroom furniture.Top: Equipment Alma Silk Top, size S // Handbag: Palla A-Bag  use my 15% off code “Cubicle_chic” (P.S. They’re also available on Amazon!)The unexpected UPSIDE of a living a financially responsible life:1. I appreciate things now for what they are, and not what they represent.I still enjoy designer products, but they don’t mean the same thing to me anymore. When it comes to the things that I use in my daily life now, I am much much more about quality than the brand. For example, this pink little handbag I am carrying in the photos in this post â€" it’s made by a company called Palla. This is the A-bag and it’s made of natural leather and is the most versatile bag I’ve had for as long as I’ve had this blog. It can be worn crossbody, on the shoulder, it’s got a little point pouch attached, and it’s reversible so it can be pink or it can be gray. Palla has generously agreed to give me a unique discount code for Cubicle Chic readers “@cubicle_chic” â€" use it to get 15% off if you wind up purchasing one of the Palla bags. And if you do, can you do me a favor and tell me about what you think?? 2. I am living life fuller than ever now because owning material things is no longer an excuse I can use to feel like I am living well.  Like I mentioned above, a shopping spree at Target or Ulta is no longer a viable option as a pick -me-up when I feel uninspired or just down. So, I started going to the library. Cleaning the house. Picking a playlist on Spotify and have a one-person dance party. Binging on an oldie-but-goodie favorite audiobook like When Breath Becomes Air. Calling and talking to a friend who I haven’t spoken to in a long time. Reading a book that’s been sitting on my desk for months. I started LIVING more.3. Financial peace is a real thing and it’s awesome.One of my cats was diagnosed with cancer in October last year. She is 14-years old and to say she is the love of my life would be an understatement. Sometimes I even question how much I’d love my future kids because it doesn’t feel like it’s possible to love anything else more in this world. And when she was diagnosed with cancer, we actually caught it early and were lucky to have a few treatment options available. We decided to go for the treatments even though it costs about $500 a month. But even before we decided to move forwa rd with the treatment plan, we’d already spent a couple of thousands just in the test we ran to get the right diagnoses. If it wasn’t for the cash reserve we built up in our emergency fund, this sure was going to put us in panic mode, needing to scrounge up this kind of cash. It was enough of an emotional roller coaster to go through the process of finding out the love of my life has cancer. We really appreciated not having to worry about the financial aspect of putting her through the treatment.4.  We are able to be more generous.My husband and I love having friends and family over. We LOVE hosting parties. We love preparing delicious food and entertaining our guests. We both derive a lot of joy and pleasure out of ensuring our guests have a good time in our home. For example, we threw a Friendsmas party this Christmas and we had the most fun having 12 grown-ups and 5 kids over â€" it was such a blast! But hosting people comes with some real financial commitment. And having a   budget with flexibility within it so we can be generous in providing hospitality when we want to â€" is a real joy.  Conclusion…So, now that I’ve shared my life story with you… it’s your turn! Tell me: where are you on your personal finance journey? What’s your biggest obstacle right now, budgeting, saving, making more income, or something else? If you can travel through a time machine and ask your future-have-it-together-self, what would you ask him/her?All photography by Natalie Alvarado @ Stylenfuse++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++Hearts of Gold Blog | Simply Classy | Rose Gold Lining | Ruthie Ridley BlogComing Up Roses | Well and Worthy Life | Cubicle Chic | SheShe Show | Lizzie in LaceKiss Me Darling | by Brittani Lauren | Heart of Chic | The Blue Hydrangeas | Alicia TeniseTo Thine Own Style Be True | Uptown Fashion by Jess | Lauren Mazzei Blog | The Steele MaidenLifestyles By Lauren | Life Lutzurious | Kate Loves Makeup | Kelly Towa rt Blog | Blush and BloomsPretty In Pink Megan | Belle by Laurelle | cute little | Street Style Squad |L. Avenue | With Love Lily Rose | The-Middle PageThis $500 Nordstrom Gift Card giveaway is brought to you by the amazing bloggers above. Enter by performing the actions below in the Rafflecopter for a chance to win a shopping spree that will kick your 2018 wardrobe into high gear!Make sure to do the actions in the Rafflecopter before marking they are done! Marking done doesn’t automatically perform the action.(We do verify entries!) Giveaway runs from Jan 16, 2018 to Jan 30, 2018 (concludes at 12:00 AM on the last day). Open to the US, UK and CAN. Winner will be announced within 10 days of the conclusion of the giveaway and entries will be verified by the hosts. Thanks for participating, I can’t wait for you to go check out these bloggers pages!

Free Federal Resumes Writing - Best Resume Writing Workflow

Free Federal Resumes Writing - Best Resume Writing WorkflowFederal resume writing, as opposed to any other federal job writing, will not be easy or painless. It is not a simple matter to find the best resume writer and submit the required documents to his office. In order to write a quality Federal resumes, it is essential to utilize proper resumes that are easy to maintain and are easy to search.With proper resume writing skills, you can be assured of receiving top performance from your prospective employer. So, before beginning your resume writing adventure, it is advisable to acquaint yourself with the necessary forms that the government requires from its employees.Most of the good Federal resume writers are available on the Internet. There are dozens of sites available which you can register with in order to receive all the required information and guidance in your resume writing venture. However, you must be aware of the fact that you must register and submit your resume by the established deadline. In this way, you can be sure that you will be approved for submission and get your dream job as well.If you do not have enough time to search online for some reliable Federal resume writing site, you can always try the local library or the library of your state. They also provide you with the needed information and guidance in regard to Federal resume writing.You can even go with the assistance of various websites that offer numerous Federal resume writing software programs and print services. All you need to do is to sign up and you will receive the required guidance in your Federal resume writing adventure.It is also possible to check the educational background of the Federal resume writer who is going to submit your resume. Be sure that the resume writer is an upstanding member of a federal or university and has enrolled in their relevant degree program.Your resume writing venture should be completed within the stipulated deadlines so as to get the required approvals. Ensure that you follow the above mentioned tips in order to enjoy the freedom of doing your resume writing from home. Remember that the Federal Government is now making it possible for you to do the resume writing on your own.If you are still not satisfied with the assistance that the Federal government provides in order to assist you in achieving your dream job, it is your right to ask for the required amount of money from the federal government. This is the only way that you can guarantee that your resume writing journey will end with high success.

All About the Best Places to Find a Resume Writing Service

All About the Best Places to Find a Resume Writing ServiceThe best place to find a resume writing service in Iowa City is online. Most websites offer a wide variety of services for making a resume. Most are local based service providers but there are some nationally based service providers who have been in business for many years.Some of the current resume services include business and personal resumes. With your resume, you should be prepared to provide information about your achievements, strengths, special skills, personal qualities, skills and experiences. You can provide the companies with a resume that contains all these important elements of your work. By presenting your resume as well as this small form of advertisement, you will create a favourable impression to the hiring companies, and they will definitely call you for an interview.Aside from providing resumes and cover letters for Iowa City, some company websites offer resume writing services and resume-writing services f or specific fields such as healthcare, education, nursing, accounting, human resources, management, computer and mathematical, public relations, sales, retail, marketing, etc. This allows clients to choose specific fields in which they would like to specialize in. Another great service that is offered by these websites is resume review. When you receive a resume or a cover letter from a job seeker, he or she will be reviewed by professionals in the field to help in determining if the resume is appropriate for the position.Resume writing services in Iowa City provides various ways to present your resume so that it will get noticed by hiring companies. They will even send your resume to the most common positions for which resumes are submitted. These companies know that people tend to copy or paste their resumes in different job sites but they do not take the time to review it for content or formatting.They prefer to send a more professionally and straightforward version of your resum e to every company that requires it. If you would like to give them a personal touch to your resume, they might even ask you to send a statement or testimonial about yourself. Their written testimonials will give a first impression that you are the most qualified candidate for the job you are applying for.The professional writing services in Iowa City give you one-on-one coaching to make sure your resume will stand out among the rest. If you are working alone or with other co-workers, it is recommended that you keep a pen and paper at hand as a reference guide so that you can check your work and edit it as needed.Resume writing services in Iowa City offer various custom resume designs that will meet your employer's requirements. There are standard resume templates that you can choose from but there are also customized resume templates that allow you to write your own resume.

What You Should Do to Find Out About Writing Objective for Civil Engineer Resume Before Youre Left Behind

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The Advantages To Using Plastic Business Cards - Work It Daily

The Advantages To Using Plastic Business Cards - Work It Daily There are many situations when a plastic card would offer a business additional benefits, but many companies don’t consider printing onto plastic cards, instead of the traditional medium of card. First impressions count for everything: if you’re giving somebody a card, whether it’s a loyalty card, business card or an information card, then being remembered is the number one aim. Do you want to be remembered for style, quality and design? Will these advantages make you stand out from the crowd and elevate your brand above the competition? The plastic card industry is evolving and expanding through new printing technologies and increasing interest, as businesses swap from the traditional card to plastic. This means plastic cards (including plastic business cards for companies or individuals) are affordable and accessible to the vast majority of business across the world. So why are companies switching to plastic to promote their businesses? Plastic is a material that has many uses and comes in almost every shape, size and colour. Its popularity has been mainly due to its versatility and durability. Printing cards in plastic means they can last for a very long time and keep on representing your brand in an untarnished way in comparison to other materials that would have started to fray or disintegrate. It takes a lot of use to wear out a plastic card, which is why many companies are now looking to plastic for business cards. How many times have you placed a business card into your purse or wallet and regretted it when you needed the number on the now disfigured card? Attractive Design Design is often how many people first see your business, and it can say a lot about the company and even its values. Often medical and financial business cards consist of a two colour design, displaying a clean, direct and elegant flow. On the other hand, companies like hotels offer a luxury or boutique feel using high contrasting colors and suggestions of luxury by using designs based on gold on black. However, all plastic business cards have one thing in common: quality. The printing of colours is deep and rich, offering a highly detailed card that can remain floorless for a long period of time. Diversity Of Uses Plastic cards can be used in a multitude of different situations due to their durability and ability to offer high quality graphics. Plastic cards can be visual, as with most business cards, but can also interact with machines in a variety of ways. With such a wide range of uses many businesses can take advantage of printing on plastic. Plastic Can Be Eco-friendly Recycling old plastic cards into new cards reduces waste and keeps spent cards out of landfill. PVC cards can also be found on the market that bio-degrade in 4 years when they come into contact with organic materials like soil and compost. If your business wants to reduce its environmental impact then eco-friendly recycled business cards are the answer. Customer Expectation: Can you cater to the whole market? Business can now offer their tech savvy customers Near Field Communication (NFC). This is a chip located inside the plastic card that allows the customer the ability to take all the details from the card into their phone or any NFC device by just being “near” it. This reduces the need to hand out loads of cards and also has the added benefit of ensuring the customer has stored all of your data correctly without error into a personal device for future reference. The cards can be programmed over and over again by simply using a little app, so this means the cards never become out of date. The other major advantage is the information you decide to send to your customer can change on the fly or be adapted to suit an event or specific purpose. For example you can use NFC to send a map to the user’s phone or a web address to check out your latest work, the options are endless with NFC. Photo Credit: Shutterstock Have you joined our career growth club?Join Us Today!

Get the Scoop on Using Resume Writing Service Before Youre Too Late

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Un-Answered Questions Into Writing a Resume Template Exposed

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