Simplify Everything

15 05 2012

I was reading a post by Becoming Minimalist – The 10 Most Important Things to Simplify in your Life. Sidenote, I love this blog – absolutely pure and insightful, its like the first drop of rain after a long drought. Fresh, and clean.

I have been a proponent of Minimalistic living for a long time now. I absolutely love simplifying my life. I have simplified my finances, so that everything is automatic, and I do not have to worry about whether I am saving enough or paying off my credit card on time. Due to the miracle that is online banking, I have everything absolutely automated.

I also have minimized my possessions. I have very little compared to many in North America, I have a lot compared to people in any of the developing countries. I try to buy little, and I try to minimize what I already own.

But something I didn’t realize that I need to simplify is my thinking. Simplify thinking. That itself blew my mind. Huh? I was driving in the car and I realized, oh yeah, that’s something I just didn’t even think about. Simplify thinking.

Stop judging others. Simplify your opinions. Talk less, think less. Meditate more. Stay quiet. Use smaller, simpler sentences in email and conversation. Judge less. Love more.

What do you think of Simplifying your thinking? Let me know in the comments below.

Love and Light to all!





Long weekend update

3 08 2009

I thought I would give you an update on what I did on my long weekend. It has been pleasantly busy and I’m happy about it. Unfortunately, I did spend more money than I anticipated I would, so that sucks, but at least I had fun.

On Friday night, I picked up my sis from the airport, and we stayed up all night talking, until 3am, after which I was dead tired, and I had to sleep. I got a cool bomber jacket, and some wristlets, which was really nice.

On Saturday, I went downtown and watched a parade, which was really nice, had loads of food, which means, I had a bad weekend food-wise, which is alright, as I usually do not eat out during the week, and I am really controlled in what I eat. I wanted to go out at night, but the tickets were $50 bucks a pop, so I thought against that. I need enough money to travel in a month, I can’t be wasting it on nonsense.

On Sunday, I went to a mountain resort, and just spent all day hanging out in the sun. It was really nice. I met a few of my acquaintances, and it was great randomness, which is what I love about life.

I spent $25 on Sat, and $60 on Sunday ( had to pay my friend back for some tickets she had bought us a while ago), so all in all expensive weekend.

But I do not regret a thing, it was great. I am looking forward to today. Just going to sit and read and spend time with family.

Also, I learnt a major lesson this weekend. If your friend complains about her finances, that she can’t save any money, do not even think you should give her any advice on how she could save loads of money. Stupid me! I shouldn’t have said anything, but I did, stupidly pointing out how many hundreds a week, she spends on drinking. Eek! I know how touchy finances can be as a subject, so WHY did I even bother saying anything? She turned so prickly in a second, and she was mad. She said, I did not ask you for your help.

Okay then. That was the end of that. Now I know. If anyone asks me, from now on, how do you travel so much and how do you save so much money, I will run to the opposite corner. Why does it always have to be luck? Oh, you are so lucky, to be able to travel so much. I want to slap those people. Do you know what I have to give up, what I have to do, to save that much money? Of course you do not, so Do not assume, my parents pay for everything, and that I’m a rich spoilt daddy’s girl (so far from the truth), and do not assume, that I am just lucky. I have plans, I scrounge and save, I give up lots of things, and I do not shop or drink, which are two major drains on a girl in her twenties in the city.

In addition, I am planning to give up my car when I come back, which is going to save me loads in hassles, and loads in money. I’m going to move closer to the job that I will have, and commute by bike, walk, or bus. That is the plan. And if I need to visit my parents, I will just grab a zipcar, or I will take the bus.

I’m so looking forward to my trip, and I’m looking forward to the changes I am going to make when I come back from the journey. I know that I will be able to afford my condo, without having a car, in a snap, because my car is a major expense, no matter which way you look at it. Hallelujah for great books that open up your eyes!





Taxes and Quicken

28 07 2009

I am confused about taxes in general. I really think no one really knows what taxes are about, and they all just muddle through stuff, pretending to know.

Thinking through my finances, there are some things that I would love to know. I really would love to know if my investments are doing well, if I’m contributing the right amount to my RRSP, and if I am paying off my loan at the right pace/amount. These are questinos that buzz around in my head. I was thinking that maybe I should download Quicken and then use that for my finances, but I remember downloading it once a long time ago, and then not using it properly, because I didn’t really understand how to set it up properly. I got frustrated with it, and then I stopped using it, so I dont really want the same experience again. That would be a waste of my time completely and not useful at all with my finances. I really wonder if I should get some help from the outside, especially since I am going on this 2 year trip around the world. I don’t know how this is going to affect my finances, or my retirement, I’m guessing its going to be an adverse effect, and thats why the more I know about it, the better I will be able to deal with fixing it.

I have a person who could give me a 2 hour session with them, I am wondering maybe I should talk to them about my situation, but should I do it before I leave or after I come back? I guess, I would do it after I come back, so then I could actually start putting the plan into action, rather than just wondering about it, thinking about it, or probably just worrying about it.

These are just some questions that are going through my  head. I was looking through some RRSP calculators, which check how much you save on taxes by contributing to RRSP. I found one on Morningstar which worked really well, called RRSP calculator (how simple!). The results that I got was, that with my gross income being 35k, and if my RRSP contribution was 10k, then my tax savings would be 2.1k, which is a sizeable amount.





Ticketgold.com

13 07 2009

I was going through the website of a really dynamic organization called SIFE and I found this really cool company started by this 22 year old. Its called TicketGold and if you try to put in TicketGold into the browser right now, it goes to Guru Ticketing. I don’t know if he sold the company off or not. But this 22 year old started this company all on his own with one credit card in 2006. He was growing the business to more than a million dollars in sales annually. You can read more about it here. But just reading about this enterprising young man, I felt the regular, familiar twinges of comparison and the feeling that I’m not good enough.

Why didn’t I spend my time in my youth, working on figuring out a proper business, rather than enjoying myself at pool parties and bar nights? This habit of comparing yourself to others is far too common and results in nothing but misery. I found a really good article by Zen Habits on this: Life’s Enough: Stop Comparing Yourself to Others.

I would add one more thing to the above article though. I would say that, comparing yourself to others will result in unhappiness, but try comparing/competing with yourself, a few years ago, a few months ago, a few days ago. See how much you have changed over the past year, month or week. What have you accomplished over the past week? What have you done to better the earth or your life or your family’s life? How have you improved your finances?

I’m sure, this kind of comparison, Comparison to yourself, will result in not unhappiness, but an increased vigor, as you will see how much you have accomplished in the past year or month, and how much better off you are, than a year or month ago. This can only result in an ego boost, which everyone needs most of the time.








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