I recently found out that I have a savings account that was opened in 2009 that has been sitting dormant since 2009… because I genuinely did not set it up and did not know it existed. There is $111.13 in the account.
Can I close the account (since I haven’t used it in 11 years because I didn’t know it existed) and take the money out of it?
Nope. Apparently the bank puts rules on savings accounts. That’s fine. I plan on switching banks next month anyway, so I guess they can keep this mysterious $111.
Its 9:10 am and I’m on my third cup of coffee. I’ve also done two video interviews and spent forty minutes waiting on hold with the city. Man oh man, I seriously hate when someone asks you to call them and they then proceed to make you wait on hold. “Just call whenever” would be so much easier if they could provide a time where they’d be near their phone and willing to answer.
Oh and two of my coworkers tested positive for Corona Virus on Friday. So… I’m in no rush to get to that office.
Why is it that Friday is so far away from Monday but Monday is so close to Friday?
Lately I’ve been doing a lot of thinking about what it takes to be an original in a world that seems so saturated with… well, with everything. We cross paths with so many people in life. People doing things, people redoing things, people taking things that have already been done and putting their voice to it. It can seem almost impossible to find a new idea, or believe you’re doing something that’s original, that’s different and that’s worthwhile.
So what makes an original?
Originals are non-conformists. Originals are people who not only have new ideas but take action to champion them. They’re people who stand out and speak up. Originals drive creativity and change in this world which we live. They’re the people you want to bet on, the people you want to invest in and they look nothing like you think do, like you expect them to.
Originals are those who doubt the default. They question the things that are given to them in life, in a desire to find the something better that they (don’t know for certain) have a feeling is out there. They’re chasing a dream, a desire and a drive that most consider them crazy for doing. But are they crazy?
One thing I think people struggle with understanding is that originals feel fear. From the outside looking it, it can appear as though originals don’t have a care in the world. That people like Bill Gates and Steve Jobs and Jeff Bezos had one good idea, they went for it and changed the way the world operated overnight. And this, it’s simply not the case.
Originals have shitty ideas… all the time. They’re afraid of failing. They are But they’re also afraid of not ever trying. Originals are those that understand you can fail by starting and going bankrupt or you can fail by never starting at all. And they, well they’d rather hedge there bets on trying then to lead a life with the regrets of ‘what might have been’ had they had the courage to see something through. They know that one of the biggest regrets each of us will have in life are the chances we had that we did not take.
I think we expect an original to look a certain way. We expect them to act a certain way. We expect them to be a certain person, because they can’t just be like you or I, they need to be different because… if their ideas are going to stand out, they need to stand out with those ideas. But that isn’t always the case.
Originals are people that will take every shitty idea they’ve ever had, act upon them and use the failure they find as motivation to do better the next time around. Originals are you, or I, or at least they cold be, if we chose to act on those ideas we’ve been thinking about… dreaming about no less.
I’m betting that if you took some of the most influential people of our time and put them under a microscope you’d learn of hundreds, if not thousands, of terrible ideas they acted on and had blow up in their faces. Where do your terrible ideas lie? In the back of your mind with a consistent what if? Or, in a tangible reality with a ‘this is how we improve for next time’? Originals, their ideas are the latter. Because they take the chances in life that most of us are too afraid to consider.
I think this resonates with me because I’ve never wanted to be normal. I’ve never felt normal. I’ve always wanted to be an original and I’ve always wanted to be responsible for something that changes someone for the better. The more I think about originals, the more pride I feel in my failure. Because I’ve had a lot of shitty ideas in life and I’ve failed when it came to a lot of them. Heck, I’ve probably tallied more in this past year than most.
I do believe that I’m building towards something, though. I do believe that these failures, one day when I look back on them as a distant memory, it’s going to be fondly thought of. These are going to be the moments that changed me, that caused me to grow, that taught me how to do better and to be better. These are the moments that caused me to act, the moments where I said ‘I’d rather be told no than have never asked at all’.
I want to be original. I want to be someone who stands out from the crowd. I think that if I found that in life, in my career, I’d feel as though I’ve succeeded. Even if I never become as successful as Bill Gates or Steve Jobs or Jeff Bezos. Actually, if I’m being totally honest, I don’t want to be like any of them. I admire them, but I don’t desire to copy them. I do know that I’m pretty good with acting on every stupid idea I have (heck, I made this blog and it hasn’t turned out half bad) so I hope I have what it takes. I hope that I can be different and be an original in this saturated world.
This is a topic of discussion that has come up a lot within my life and my circle lately.
Presently, I have two expenses in life: a cell phone bill and groceries. This is not by fluke, this is by choice, strategic work and purpose. A long time ago I made the choice that I didn’t want to live life with debt. Further to that, I made a choice that the extra money I did have was going to be used for travel. This works for me. This is not what everyone wants, and I understand that. I also understand, though, that no one wants to live pay cheque to pay cheque.
So, here are a few recommendations I have, being a thirty year old who has paid for every expense (including a university education) since I was sixteen years old. Take them with a grain of salt, or don’t take them at all. Either way, I hope that you find a means to make some space within your budget.
Make a budget. Oh and be realistic about your budget. Ensure there’s a column for “Needs” and a column for “Wants”. By completely differentiating the two, it will help you to determine the things that are required to be paid and they things you’re choosing to pay that you may or may not be treating as a need.
Determine where there’s wiggle room. For my friend, it’s in his subscriptions. He subscribes to Apple Music, to Netflix, to something called ‘Green Kids Crafts’ and to several magazines. (Yes, there are still magazine subscriptions) I may seem as though it’s only 10 dollars per month so why not, but over the course of year these subscriptions totaled more than $400. That is $400 that could easily be going towards paying off debt, or being put into a savings account.
Where you do need to have an item, like a cell phone, see if you can go for a cheaper cost. Using the cell phone as an example – do you really need 10 gigs of data per month? Or do you want 10 gigs of data? Can you get by with 1 or 2 gigs and, in the process make your cell phone bill a lot cheaper each month? Make a commitment to putting your phone on wifi wherever you can and you will absolutely be able to get by with less data. Apply this principle to other areas of your life, where you can, and the savings will add up.
Don’t be swayed by “steals and deals”. Could I upgrade my phone? Sure, I absolutely could! My current phone still works, though. And, if I upgrade my phone I’m required to either pay for the phone upfront (which is a hefty price) or pay for it in payments (which works out to be even more expensive). Companies know this. This is why they’ll try and entice you with a “sign up now and get a $50 credit” deal. These deals don’t benefit you in the long run and won’t help your wallet for more than the initial period of time in which the deal is valid. Save your money, pass on the deal.
Shop second-hand/pre-owned/pre-loved. This is an important one. Fast fashion is one of the more expensive parts of a person’s budget each year. But don’t just relate this principle to your clothes. Not only can you find excellent condition, if not brand new, clothing in second-hand stores, you can also find appliances, home goods, sporting equipment and more. If it’s something that you don’t absolutely need to have brand new, why not see if you can find it second hand, first?
Meal Prep/Meal Plan/Eat all of the food that you purchase each week. Planning your meals ahead on Sunday may seem like a daunting task, but, if you go to the grocery store knowing what you plan to eat for the week you can purchase only the items that you need. Purchasing only the items you need for the food you’re going t make will save you money on your grocery bill. And, if you only have certain items in your fridge during the week, you’ll be more inclined to actually eat those items and not just let them go bad.
Adopt the ‘Cash is King’ rule. I didn’t make this rule, but I whole heartedly agree with it. At the beginning of each week I go to the bank and take $100 out of my account. For the next week, this is what I have to spend on my luxuries, not-needed items, or to go out for food. It is really easy to swipe, tap or insert your credit card for purchases without thinking twice about it. But, by telling yourself that you only get ‘x’ amount of dollars each week, you’ll be more cognizant of your spending. It won’t be so easy to just go out for dinner each night you don’t want to cook if you look in your wallet and notice you’ve only got $40 left until Sunday.
Start a ‘side-hustle’. This is something popping up a whole lot more lately as people are learning that they can turn their passions into a money making option for them. A side hustle does not need to look or be any specific way, it can be whatever that you make of it. Perhaps you walk dogs in the neighbourhood for a fee. Perhaps you babysit. Maybe you take surveys online. Maybe you take a part time job as a waiter/waitress. Whatever it is that you decide to do, find something that can make you money and go for it. Don’t worry about how much money it makes, this is not something you do with the goal of becoming a millionaire. This is something you do with the goal to subsidize your income. Dog walking might only give you $25 dollars a week. But, that’s $25 you can put straight into your savings account, or towards paying off debt. FYI $25 extra dollars per week is $1,300 per year. That’s a lot of extra money at the end of the year!
Create a cushion for yourself. Even if it’s $10 per month – put that money away and don’t touch it. Knowing that money, however small or large the amount, is tucked away somewhere for you if you ever need it, will provide you some peace of mind in the process of paying off debt/saving. After all, you never know when the universe is going to throw unexpected expenses your direction. My mom was diagnosed with cancer in late 2018 and has had a slew of unexpected expenses this year because of it. Thankfully, she’s been able to use that cushion for the things that she needs and she’s not living accumulating debt right now, she’s more focused on getting better.
Unsubscribe from emails, notifications and people who make you feel as though you need things you do not. Why? Isn’t it obvious? If someone or something makes you feel as though you need something in your life that is unnecessary then it’s adding a burden to your life you do not need.
I think the most important thing to remember in the quest of becoming debt free, or creating some cushions for savings, is to be smart about it. You’re a smart person and you’re capable of knowing that even the smallest differences are important.
Small differences are still a difference. If you want to live debt-free, or save for travel, or save for a home or a car or whatever it might be that your little heart desires, be smart about it.
Some things you do not get the choice about in life. Some things are thrust upon you like a knife to the chest, slowly, surely, causing you every ounce of pain and discomfort you ever dreamed possible.
2019 is kicking my ass. Quite literally. I feel myself slipping into a state of depression and I don’t know how to fight it. Turning on a happy face for those around me isn’t working anymore. Trying to remember “you will get through this” isn’t holding much weight amidst the chaos in my head.
I’ve just returned from a trip to see my mother. She recently had a hysterectomy and has learned there were cancer cells present in her body. What’s next for her? Several weeks of radiation therapy, a year of medication and five years of being on a quote-unquote cancer watch-list.
What’s next for me? Hopefully a job. Hopefully a job that I’m qualified for, and not just something at a corner store. Likely a lot of trips back and forth to see my mom. Eventually, one day, hopefully this year, a feeling of normal. I’d love to be able to sit back in my chair and think that everything is going to be alright for a change. I’d love to not worry about where I’m going to be living in two weeks. I’d love to just… have some answers.