Showing posts with label Vision Boards. Show all posts
Showing posts with label Vision Boards. Show all posts

How To Improve The Aesthetics Of Your Home

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We spend a lot of time inside our four walls, so when we plan home improvement projects, we tend to prioritise those that take place inside the home over those that take place outside of it. While this makes perfect sense because we live inside, not outside, it is worthwhile to spend some time investigating ways to improve the exterior of your home. First impressions matter, and you'll be surprised at how different you'll feel about your home after transforming the outside space. Keeping this in mind, here are four tips for improving the exterior of your home.


https://unsplash.com/photos/bjej8BY1JYQ 


Consider its kerb appeal

Approach your home with fresh eyes and consider the overall first impression. You will then want to break down this impression into finer details and determine which areas require attention.


A new front door can do wonders and completely transform the frontage. Similarly, window replacement can improve both the appearance and the insulation.


Your driveway may benefit from resurfacing, and any fencing and gates may need to be replaced. Maintain even and weed-free pathways to ensure that they are both attractive and safe for visitors.


If you have a garden, try to keep it tidy, and if it's difficult to maintain, consider covering it in gravel and putting a few pots out there instead. This will give you a very tidy and appealing low-maintenance appearance.


Maintain your roof and brickwork

This is probably the least exciting project on the list, but it is also the most important.


First and foremost, you must ensure that your roof is in good working order. If you have a flat roof, it may have a shorter life than a pitched roof, so consider EPDM rubber roofing to improve and resurface it. If you find any leaks or notice that heat is escaping through it, call in an expert for advice and quotes.


As brickwork weathers, it may require repointing, and you may also need to consider cavity wall insulation or damp proofing installations. Again, bring in professionals to seek advice in these areas.


Spend some time on your garden

Your garden can drastically alter how you use and perceive the exterior of your home.


A garden, unlike other areas of your home, is constantly changing, so this can be an ongoing project. You could try different elements each season for a year or two to get it to the point where you're happy with it.


You can design features, pathways, lawns, container areas, wildlife areas, fruit and vegetable plots, beautiful shrubs and flower beds, and more. Add to that an inviting seating area, and you'll want to spend a lot more time outside.


You could also include a garden room to increase your living space while also creating an interesting feature and focal point in your garden.


Give your doors a lick of paint

Finally, if you don’t want to replace your front door but it’s looking a little worn down, consider repainting it to freshen up its look. Similarly, you could do this for any other visible exterior doors such as a garage or side door.


These simple but smart ideas will help you improve the aesthetics of your home.


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8 Questions to Ask Yourself to Design The Life Of Your Dreams

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With the new year upon us, it is the perfect time to reevaluate where you are in life and where you want to go.

Future Planning: An Introduction To The FIRE Movement

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For most people, their career path is very simple. They go to college, find a job after graduating, and slowly but consistently work their way up the career ladder over the course of the next 30 or so years. Then, usually by the time they are in their 60s, they are able to retire. This is the conventional career route that has been a staple of society for decades; but it’s a route that a group of people are now challenging. 

Introducing FIRE 

FIRE stands for “financial independence, retire early”. The driving force behind the idea is that retirement is not something that people should have to wait until their 60s to achieve; instead, people focusing on FIRE look to retire as soon as possible, with some achieving this goal in their 30s (though between 40 and 50 is more standard). 

Frugality is a big part of the FIRE lifestyle; in many ways, the movement is strongly related to anti-consumerism, and people choosing to spend more time enjoying the simpler things in life rather than working in order to spend. 

How is FIRE possible?

There are a few additional considerations anyone contemplating FIRE will need to keep in mind - which we will discuss in more depth soon - but the core essentials are aggressive saving and investment. People looking to achieve FIRE will spend as little of their income as possible - saving 75% of income is far from uncommon - and will instead choose to invest. Over time, the combination of savings and compounded interest from investments results in people having a large enough sum of money to retire and be able to live on the income from investments alone, rather than relying on a salary. 

How much is considered sufficient to retire on?


Most people aiming for FIRE aim to save 25 times their anticipated annual living expenses. So, if you were to estimate that you would need to spend $60,000 per year, then you would need to save $1,500,000. The x25 rule is thought to be sufficient to allow people to withdraw 4% from their savings to meet their living costs during their retirement.

Is it really possible to save that much money?

While the idea of setting so much money aside may initially seem outlandish, it is a goal that many people are able to reach. Admittedly it’s not a short-term goal - without a lottery win or two, no one is going to achieve FIRE in just a few years  - but if you’d like to retire earlier than expected, then it can be done. 

How can you get started on the path to FIRE?

The path to FIRE will always be slightly different for every person who chooses to walk it, as everyone starts from different financial positions and with slightly different goals in terms of how much they want to be able to save. However, the general steps needed to reach FIRE are as follows: 

#1 - Cost cutting 

Cost cutting is crucially important to those looking to pursue FIRE for two reasons. Firstly, FIRE requires a much higher savings rate than the 5-10% of income that most people aim for, so outgoings will have to reduce to allow this to be possible. Secondly, when actually retired, living a low-cost, frugal lifestyle is incredibly important to ensuring funds are sustainable, so it’s a good idea to get into the habit as soon as possible.

You will therefore need to go through all of your expenses and see where you can cut back. Be stringent here: anything but essentials should at least be considered for cutting if you’re dedicated to reaching FIRE. For areas of your budget that cannot be cut entirely - such as groceries, insurance payments, and so on - look for ways to reduce the amount you spend instead.

#2 - Debt repayment

FIRE requires people to save and invest as much of their income as they possibly can, while spending as little as possible - a situation that is difficult if you are carrying credit card or student loan debt. These debts will continue to accrue interest for as long as they are outstanding, which means that there’s more money being spent servicing debt than there is being saved into a potential retirement pot - which is obviously less than ideal. 

As a result, the extra funds found after cost cutting should be put towards clearing debt rather than saving for retirement; by doing this, potentially hundreds (or even thousands, depending on the size of the debt) of dollars in interest can be saved and diverted to an early retirement fund instead. 

#3 - Mortgage repayment 

Owning a property is outright is an important part of FIRE, as having to pay a mortgage (or, worse still, rent to a landlord) will inevitably deplete savings significantly and reduce the amount available to live on when retired. As a result, ensuring that your mortgage is paid off should be your next focus when you have cleared all debts; there are various methods available when it comes to paying off a mortgage, so explore these and decide which will work best for you.  

#4 - Investing 

With your mortgage paid off, you can now consider your investment options. Within the FIRE community, low-cost index funds are perhaps the most popular, but experiences and preferences do vary, so it’s advisable to seek the assistance of a financial advisor who can help decide which investments are the right choice for your specific goals. 

A quick note: Above, we have suggested that mortgage repayment and then investment is the best choice for those looking to achieve FIRE - but this is a hotly-debated topic within the FIRE community. 

Some people believe that investments and mortgage payments should be done at the same time (so interest can be earned on investments during the mortgage repayment), while others say, as we have, it’s best to focus all funds in paying off your mortgage first so that this important step can be achieved as soon as possible. 

The decision, however, is entirely yours: if you would like to split your focus, choosing to invest and pay off your mortgage at the same time, then you can do so - the route to FIRE is different for everyone, so go with what you believe to best the best course of action for you. No two routes to FIRE are the same!

Common questions people ask about FIRE 


FIRE is such an unusual idea that it is natural people may have further questions about how it works, so below we’ve sought to answer the most commonly-asked questions...

#1 - Is it possible to retire early and still pay college tuition for my children? 

Yes, but it’s complicated; there’s a helpful guide here that parents should find useful when deciding how to factor college tuition into their FIRE plans. 

#2 - Is FIRE for me if I love my job and don’t want to stop working?

Absolutely! Many people who reach FIRE continue to work even when, mathematically speaking, they do not absolutely need to. The goal of FIRE is to simply have the financial independence to choose to work, rather than having to work out of financial necessity. 

#3 - Is property ownership an essential for FIRE? 

Realistically, yes - even if you would like to live a nomadic lifestyle (such as travelling the country in an RV) post-retirement. Property is an excellent investment, so even if you’re not intending to live in your current home when you’re retired, it will still be a valuable asset and can contribute to your income if you choose to, for example, rent the property out while you explore the world. 

#4 - Should I try to increase my income in order to reach my goal faster? 

Yes, doing so can be beneficial and is a common choice for many people focused on FIRE. It is usually preferable to try and increase your hours/wage in your day job rather than embarking on a potentially-unreliable side hustle, though you can give this a try if you would prefer to do so and have the time available. 

#5 - What happens to early retirees if the market crashes? 

As we have discussed, FIRE is highly dependent on investments - but, of course, the market can go up as well as down, which could spell trouble for those who are solely reliant on investments for income. This concern is one of the reasons why working with a financial advisor is so important; they will help to diversify risk and ensure that funds are stable even in the event of a market crash. In addition, keeping some savings in cash (as in a high-interest standard savings account; not storing literal cash) can be a good way of protecting against market downswings. 

In conclusion

The FIRE movement definitely goes against convention, but can be an incredibly positive step for those who choose to commit to it. We hope the above has provided food for thought and, if you decide FIRE is the right choice for you and your family, we hope the journey is as smooth as it can possibly be.


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Journey to Finding Life's Purpose - Part 2

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QUESTIONS TO REVEAL THE PURPOSE OF YOUR LIFE


It’s impossible to find your purpose without a degree of self-reflection. Answers are the result of asking questions. Asking the right questions will provide the answers you seek. 

My Perfect Day - #myperfectday

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My fellow blogger, Joan Senio, of Kindness, Coaching, and Compassion, recently wrote a post about her perfect day. I've been meaning to write a similar post, but sometimes life gets in the way!

On The Verge of 40

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Sunday is my birthday and I will be 39.  It's such a lackluster sort of birthday - you aren't quite yet the BIG 40, but you are literally at the threshold of moving into your forties.  

Lack of Time is Lack of Priorities

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Time Management

At the end of the day, it’s all about time management. When it comes to time management, we don’t want to admit we don't have it all together. It’s one of the hardest issues to face and can be a challenge. However, the good news is it’s very doable.

How to Get Better at Managing Priorities

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Managing Life Areas

In order to live a whole, full, and complete life, you need to break your life down into categories. What are the categories that are most important to you? Which ones are you most successful in? Where is there a breakdown and you need to recreate?

6 Tips For Achieving The Life Of Your Dreams

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Self-Sabotaging Thoughts That Hinder Happiness

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Most people go through times when they have trouble getting their thoughts to align with their intentions. When that happens, it will hinder your happiness. Your thoughts can get in the way of your happiness because these types of thoughts are focusing on what’s wrong, what’s missing, or the negativity of the situation instead of the positives. 

Let's Start Feeling Creative Now

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Creativity is not just art in the museum or the picture sense of the word.  I assert this yet still struggle with this even though I know it to be true.  Why do I feel this way?  Because I can't draw, sing, make beautiful things to be displayed in galleries.  However, I keep working on believing that I am still and have always been creative.

Level 10 Life Explained: A 3 Year Journey of Discovery


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Level 10 Life
 I first heard of the Level 10 life from Boho Berry who heard from it from Hal Elrod. I've always enjoyed goal setting, self-motivation, dreaming, planning, and creativity. This seemed to combine all of those things! Needless to say, I was very excited to do it myself. So, what exactly is this Level 10 Life thing?

The Struggle is Real - Getting Through Post Partum Depression and Forgiving Oneself

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I have been very blessed in life.  Is my life perfect?  No, not by a long shot.  Have I suffered from depression for the vast majority of my life?  Yes.  Had I thought that I had gained control of it by 35?
  Yes, I did. 
I was finally functioning like a "normal" person.  I was married, we were happy, and we were starting to try and make a family.

6 Habits that will make you feel More Productive

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As I talked about in my Journaling post, I was really drawn to the daily ritual discussed in The Miracle Morning. It sounded equally like a great way to ease into the day as well as a way to get the creative juices flowing and as it touts "feel productive before 8am." I'm a bit of an overachiever; so, anything that makes me feel like I've already accomplished something is a win for me.


What constitutes this ritual? Why do habits and routine make us perform better? A habit is defined as "a settled or regular tendency or practice" which means it's something we perform on auto-pilot. It doesn't take extra thought or motivation to complete the action. When we have positive habits and rituals, our body goes through the motions without extra effort and sets us up with a foundation for daily success. Similarly, bad habits do the opposite but are oh so hard to break because they come naturally (eating fast food or smoking are some obvious examples). Good habits allow for us to reach life goals and set the tone for everyday life. With the Miracle Morning, you are training and implementing good habits while helping to visualize your end goal or life goals.



The first habit is silence. Just taking a few moments in the morning to give thanks for what you have; to meditate (if you wish to call it that).  Simply engaging in the act of not rushing to emails or social media or to your kids gives a fresh perspective on the day.  Daily gratitude has been shown to create real and long-lasting effects in one's everyday life.  Research done at Berkeley has proven that those that practice gratitude have better immune systems, have more joy, and are more helpful and generous.   Those alone seem like great reasons to start practicing silence and gratitude!

The next is affirmations.  I show my full affirmation board and talk about affirmations in another post.  Suffice it to say, I'm 100% on board with doing daily affirmations.  They make you feel better and according to some research, they help sculpt the brain and work the positivity muscle.  More can be read about affirmations here.

Along with affirmations, visualization is another key habit in the Miracle Morning.  If you can really see in your mind's eye what you want, you are already half way to getting there.  Most people wake up in the morning and go through the motions of everyday life without a thought as to what they want out of life.  Beyond thinking of the paycheck they need, that they have to feed their kids, that they somehow have to pay for college, that they need a bigger house, that they need more stuff.  Some are little better than zombies on the treadmill hoping they'll somehow run into the life of their dreams when they aren't actually going anywhere.  Yes, we all need money to pay for various things, but what do you really want out of life and why?  

Why do I want a really big 5,000 square foot house?  I love to entertain; I love traditional Southern decor and the grandness it demonstrates to me.  Those are the selfish reasons.  Ultimately, I want to have a house where fundraisers are thrown to generate donations to give back to the community.  I love historic preservation; I love children; I want to be able to give back.  No, you don't need a big house to give back - you can have a tiny house, not spend as much, and give cash.  That's just not me.  Plus, I've been living in less than 1500 square foot for a decade and I want room to spread out!

Exercise: the habit I love to love and love to hate at the same time.  We all know with our desk jobs that we have to exercise daily to prevent our middles from growing as we age.  Truthfully, I feel better when I exercise regularly. I used to go to the gym for an hour a day and walk for 2 hours a day, but I also lived in Washington, DC where everything was walkable and all I had to do was walk out the front door of my building.  I currently live on 400 acres full of forest without trails and on a relatively busy road.  I have to drive to go walk which takes time I don't have with a child and full time job.  This is an important habit I know; I'm just hoping with the new house and neighborhood I can get back to my walking habit!  I now try to do 20 minutes of exercise with Skimble or Sworkit.

Reading, as a habit, is important for a variety of reasons, but most importantly, it helps to develop the mind.   It boosts creativity, gives you new ideas, and helps you grow as a person.  Reading is my favorite habit and I have read every day of my life for pleasure with the exception of those 2 years of grad school!  You couldn't pay me to read for pleasure then!  Even 10 minutes can expose you to something you might not have otherwise encountered that day.

Scribing or writing every day is something that might seem to take a lot of time, but it doesn't have to.  Keeping a one-sentence journal every day is enough to get into the habit of it.  Writing down our thoughts and feelings helps to flesh them out, give them clarity, and make us really think about the swirling emotions, feelings, thoughts constantly circulating in our brains.  The Artist's Way does an excellent job of going into detail about how writing every day helps to unblock your creativity and open the mind to new possibilities.  


While the acronym is SAVERS, they certainly don't have to be practiced in any particular order.  Although, starting with Silence seems to work best, otherwise, you start going and promptly forget it!  I prefer starting with silence, making coffee, writing, doing affirmations/visualization, and the exercising but that's just me.


What about you?  What rituals and habits do you do daily?




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6 Habits that will make you feel More Productive

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As I talked about in my Journaling post, I was really drawn to the daily ritual discussed in The Miracle Morning. It sounded equally like a great way to ease into the day as well as a way to get the creative juices flowing and as it touts "feel productive before 8am." I'm a bit of an overachiever; so, anything that makes me feel like I've already accomplished something is a win for me.

The Life You "Should" Live

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The Life You "Should" Live

I've been reading Circling the Sun: A Novel about Beryl Markham who not only was an aviator but one of the first female horse trainers at the turn of the twentieth century.  It's a powerful story of what it is to be free, to be wild, and what it means to be in society.  Obviously, life for women has changed greatly over the past 100 years, but there are strides that have been made.  One of the biggest being you don't have to be married in order to have a life.  Some old timers might make snide and ugly comments about women that don't marry, but there are choices in providing for oneself.

What does Success REALLY mean?

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Last night, my husband and I were sitting on our back porch discussing our potential new house, careers, and what we wanted out of life. A pretty deep conversation for a Tuesday night but what can I say this house has created lots of questions for him, for me, for LB, and for our life altogether. We moved to my family's farm out in the middle of nowhere (it's really only 15 miles from downtown Charlotte) almost 2 years ago. The 5-year plan was to live there for free (lucky I know), save money, and then buy a house once LB was ready to go to kindergarten.