I Am Not On Top Of It All, And That's OK

I Am Not On Top Of It All, And That's OK

We don't have to be on top of it all, our lives don't have to be balanced, and it is perfectly wonderful to feel overwhelmed.
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Are you on top of it all? I am not. If so, how do you do it?

As a young adult, I know we all feel constant pressure to be on top of it all and have our lives balanced. But who has time to do that? My life consists of several jobs, classes, writing opportunities, my own blog, being a young adult, trying to have a social life, spending time with my family and...can I add in anything else? What about you? How many errands, tasks and things can you juggle at once until it all hits the fan? I love being busy and I know as young adults, we all love to be involved.

Doing hundreds of things and not being sane is the only way to do this life. We are living our lives to the fullest by indulging in opportunity and adventure by staying busy and riding the hustle. There is beauty in that. We don't have to be on top of it all. It's OK not to be.

As school is starting up this fall, I am going to start going back to my natural roots, and by that, I mean being a hot mess. I kind of love it. I have found success in staying very busy, trying to stay calm and finding moments for myself. Why are these important? As a very organized person, I seem to constantly look at others and question if I am doing things right, on the correct path and doing as much as I can. It's time to take these tips and launch forward to have a balanced life that is very messy and fun.

1. Stay busy

As a young adult, staying busy, especially in college, is key. While trying to maneuver through life and figure out our passions, staying busy and having goals is necessary. Yes, this is when you will get tired, overwhelmed, stressed, cranky and a list of 100 other things, but this is what we need! This mess of stress is what will push us to success. Our end goal is at the end of this hot mess. Staying involved will keep your head in the right place, focused and always looking forward. While you might not know exactly what to do, continuing to push our bodies and minds will create a path we couldn't imagine.

2. Stay calm and collective and find moments for you

My middle name could be stress, and I love it. I love working hard and playing hard. But, there is something to be said for staying calm and collective. Being calm, rolling with the punches and being true to who you are can quickly balance a hectic week.

What can we do to stay calm?

Meditate: Find a peaceful, quiet place that calls your name, sit down and relax

Yoga: Try out a summer Yoga class to unwind and break out of your crazy day

Walking: I have found peace in going for walks, putting in calm music and taking some personal time for my thoughts and body to stretch and relax

Blogging fan? Head to the library, local coffee shop or your favorite cafe and unwind around the comfort of quiet people

It is more than important to learn how to be too busy. It is all about how you handle the pressure and stress. I am not on top of it all...ever. I have a huge problem called oversleeping, a tendency to do things last minute and get involved with way too many things. But, that is the beauty of being a young adult. We are crazy, determined, hard workers with goals shooting to the moon.

I am not on top of it all...are you?

Cover Image Credit: Pexels.com

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To The Girl Struggling With Her Body Image

It's not about the size of your jeans, but the size of your heart, soul, and spirit.

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To the girl struggling with her body image,

You are more than the number on the scale. You are more than the number on your jeans and dresses. You are way more than the number of pounds you've gained or lost in whatever amount of time.

Weight is defined as the quantity of matter contained by a body or object. Weight does not define your self-worth, ambition or potential.

So many girls strive for validation through the various numbers associated with body image and it's really so sad seeing such beautiful, incredible women become discouraged over a few numbers that don't measure anything of true significance.

Yes, it is important to live a healthy lifestyle. Yes, it is important to take care of yourself. However, taking care of yourself includes your mental health as well. Neglecting either your mental or physical health will inflict problems on the other. It's very easy to get caught up in the idea that you're too heavy or too thin, which results in you possibly mistreating your body in some way.

Your body is your special, beautiful temple. It harbors all of your thoughts, feelings, characteristics, and ideas. Without it, you wouldn't be you. If you so wish to change it in a healthy way, then, by all means, go ahead. With that being said, don't make changes to impress or please someone else. You are the only person who is in charge of your body. No one else has the right to tell you whether or not your body is good enough. If you don't satisfy their standards, then you don't need that sort of negative influence in your life. That sort of manipulation and control is extremely unhealthy in its own regard.

Do not hold back on things you love or want to do because of how you interpret your body. You are enough. You are more than enough. You are more than your exterior. You are your inner being, your spirit. A smile and confidence are the most beautiful things you can wear.

It's not about the size of your jeans. It's about the size of your mind and heart. Embrace your body, observe and adore every curve, bone and stretch mark. Wear what makes you feel happy and comfortable in your own skin. Do your hair and makeup (or don't do either) to your heart's desire. Wear the crop top you've been eyeing up in that store window. Want a bikini body? Put a bikini on your body, simple.

So, as hard as it may seem sometimes, understand that the number on the scale doesn't measure the amount or significance of your contributions to this world. Just because that dress doesn't fit you like you had hoped doesn't mean that you're any less of a person.

Love your body, and your body will love you right back.

Cover Image Credit: Lauren Margliotti

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11 Financial Tips For College Grads Who Don't Know Where To Start

Most people learn how to navigate their finances as they go, at the cost of making several mistakes and starting good habits later than they should've. Don't be like most people!

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Adulting is hard, especially when it comes to money. If you're like me and you took a personal finance class in high school or college, you probably don't remember much because the information wasn't relevant to you at the time. Well, now you're almost done with college and you're ready to be welcomed into the real world as a freshly-minted adult. Suddenly you realize that class was probably one of the most important classes you ever could've taken.

Here are 11 tips to start making money moves today.

1. Start building your credit

It may not seem important now, but it's a good idea to start building your credit early. In three to five years or so, when you're ready to apply for a car or home loan, you're going to want to be approved to get the best interest rates, and that means having a credit score of at least 760. See tips two and three for more on how to increase your credit score.

2. Open a credit card if you don't have one already

One huge factor in your credit score is how long your oldest credit card account has been open, so you want to make sure to start early. A first card many people get is called a "secured" credit card, which basically acts like a debit card so the bank knows you won't go all "Shopaholic" and max it out. Make sure to pay every single one of your monthly payments on time and in full. No excuses, no exceptions.

3. Make all of your student loan payments on time and in full

JUST DO IT.

4. Embrace the concept of paying yourself first

Paying yourself first is a concept that many millionaires, even billionaires, swear by. Decide how much of your income you want to save. Then set up a portion of your paycheck to deposit directly into your savings before you can even think about it. The rest can go to your checking account for spending on bills, food, rent, and other expenses.

5. Build a three- to six-month emergency fund

Did you know that 33% of Americans would struggle to pay $1,000 in an emergency? This is a serious issue. You don't want to ever experience living "paycheck to paycheck," let alone have a minor crisis throw your life upside down. That's why you're going to build this emergency fund before you do anything else with your money. Think of this fund as something that you can't touch until you absolutely need it. If and when that time comes, you'll know, and you'll be so grateful that you were smart and were prepared.

6. Open a Roth IRA

There are so many things to be said about Roth IRAs and why you should get one as a new college graduate. In short, IRA stands for Individual Retirement Account. A Roth IRA is unique because any money you put into it is taxed now, so you won't have to pay taxes on it when you're retired and ready to use it. The main benefit: you also won't have to pay any taxes on the money you earn in the account. In addition, because you're young, you get to take advantage of the power of compound interest for a long time before you retire. This could potentially earn you hundreds of thousands of dollars. The best time to open a Roth IRA was yesterday. So go do it now!

7. Contribute as much as possible to your 401k

A 401k is basically an investment bank account that you can't use until you retire, and it will be taxed once you start using it (so it is not taxed now). Many employers offer 401k matching, and they open one up for you when you start your first job. If your employer offers 100% matching up to 6% of your salary, that means that if you can afford to put 6% of your income into your 401k, your employer will also contribute the exact same amount. Listen to me: this is free money. I like free money. You like free money. Take it.

8. Open a high-yield savings account

This is 2019. Don't keep your money in cash or in a regular savings account, where it'll depreciate 2-3% in value every single year it sits there. Get yourself a high-yield savings account, in which interest rates are anywhere between 2.0 and 2.25%, and watch your money make money while you sleep.

9. Start tracking your spending

Since it has become much easier to make quick and painless purchases these days, you should definitely be aware of your spending. I personally like to use a free app, like Mint, that does all the work for you because it puts all of your financial accounts (ie. savings and checking accounts, investments, loans, assets, etc.) into one place.

10. Create a monthly budget for each of your spending categories

These include food, housing, transportation, entertainment, subscriptions, health and wellness, and maybe more. You should know the things you always buy on a monthly basis and how much they typically cost. Comparing your budget to what you really spent after a month will show you exactly where your weaknesses are. Try to stay at or under your budget for each category every month unless there's an unusual event, like a vacation or a car repair.

11. Learn the basics of investing

Compared to the other tips on this list, this is one you can put on the back-burner for a bit. However, that doesn't make it any less important. It's critical for everyone who is financially independent to understand the basics of stocks, bonds, Exchange-Traded Funds, Mutual Funds, REITs, and more that you can use to diversify your portfolio, including in your new Roth IRA and 401k!

What are you waiting for? Up your financial game!

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