Enjoy the journey.

Tag: advice

Fuss and Budgets

By Gem

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Enroute is having money worries! Saving for a house has seen us put away a respectable stash, but now we’re soon to leave our jobs, leave the country and start taking some very big chances…… and that means we’re nervously facing the fact that our savings are likely to take a kicking over the rest of 2014. There are tough times ahead, we’re a little anxious, but we know it’s time to make some hard decisions.

So we spent lots of money and bought a camera!

You WHAT?

When we were young, Kin and I both had our own special ways of being terrible with money. In our defence, please note that we’ve always paid our rent and bills and never had our phones cut off. But once these essentials were out of the way, our spending habits were atrocious.

Bad Spending – Gem-Style

My dreadful money method was to meticulously plan where absolutely every dollar should go and to deny myself pretty much anything I wanted, pretty much all of the time. This allowed me to accumulate some savings… which were then decimated at intervals when the rigid discipline became too much and I went temporarily buy-crazy.

Result? Despite the constant threat of nest-egg annihilation, I never seemed to obtain anything I wanted. (Buy-crazy shopping is not well-considered shopping.)

Bad Spending – Kin-Style

Kin, on the other hand, would frantically spend anything he earned or received as quickly as possible. Unfortunately, he never thought very hard about what to spend it on, so his money would just evaporate, leaving him with nothing between pays.

Result?  No savings mean a person has very little money at a time; and that means that Kin never got much that he wanted either! To make things worse, he also ran up some emergency debt (although not very much, thankfully; one of the good things about being in a low income bracket in your twenties is no-one wants to lend you money!)

So. Neither of us had much money (although I had slightly more than Kin) and neither of us were able to have nice things (although Kin had slightly more than me). Day to day, life was okay, but we were both just treading water; neither of us were ever in a position to improve things for ourselves.

Then, one day, we met, we moved in together and we combined our finances. And we combined our opposing ideas on how to manage those finances.  And together, we developed our most important household rule:

Budget Luxuries FIRST

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This isn’t the disaster it sounds like! The key words here are different for each of us, but the rule helps us both.

For me, the keywords are “Luxuries FIRST”. I like a good fait accompli and am happy to simply sit on money I don’t yet have a purpose for, so I will stick to a spending plan, even if it means having to scrape every last coin out of the couch, make scratch meals out of pantry scraps and home-grown vegetables and wash the dishes with soap. Because of that, it’s actually quite easy for me to sacrifice after the fact, especially since I already have my lovely indulgences to make me happy!

For Kin, who could happily get through the lot, the keywords are “Budget FIRST”. This means that before he spends any money in a pay period he has to think about what he actually wants, not just this month, but in the short and long term future. Actually setting aside physical containers to hold money for different purposes can be helpful for this sort of person. For example, you might have one envelope with money for restaurant meals, another with money for a new mattress, and so on. Doing things this way means that there is no large pool of cash for you to draw from to dilute the sacrifice; every time you spend, you will have to decide which area is going to take the hit. Watching your holiday, bicycle or pretty dress dribble away a few dollars at a time is a wonderful way to focus your attention on unnecessary spending.

If you don’t like keeping cash in the house, having separate bank accounts for your different kinds of spending can work (this guy has a lot to say on that topic, if you can avoid the advertising) but you really need to stay on top of fees and taxation.

But please remember: We budget luxuries first out of our household SPENDING money. We do NOT prioritise them over our rent, bills or savings. If you or your partner just flat-out can’t be trusted right now, this would be a terrible idea for you (you need to think about more basic goals, like these or these). There are also a lot of low-cost ways to obtain your pleasures, and I’m looking forward to talking about them later on!

Where do you fit luxury into your life? Where are you prepared to sacrifice and where do you indulge?

Happy (frugal) hedonism!

Gem

XX

Being Awesome Part II

By Gem

Part One is available here.

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Okay, ready for step two?

Stop Feeling Like A Jerk

In Part One, we discussed how a bit of self-criticism can improve your relationship with others. Now we’re going to look at how self-criticism can improve your relationship with yourself. Today’s the day I want you to take a long, hard, critical look at yourself… and love what you see.

 I’m Sorry

Oh god, I think I threw up in my mouth a little. One second….

I’m a bit jaded on the topics of self love and self acceptance just now, because of the nasty, self-adoring fetishism that’s currently passing for both online. There seems to be a real push at the moment to avoid the unpleasant, indulge all desires and cling to every flaw as a virtue; after all, it’s a facet of our totally wonderful selves!

I could not possibly agree less with this nauseating dreck, but will still happily admit that accepting and loving yourself is 100% essential for anyone with the urge to be awesome. You just have to love yourself right.

 The Bad Boss

Have you ever had a really, really horrible boss?

The kind who hang over your shoulder every minute, eager for you to make a mistake? Then, when you do slip up, insult you instead of helping you and make you so nervous and unhappy that you dread going to work? How much did you get done working under a boss like that?

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Conversely, how much more have you achieved with a good boss and a more supportive atmosphere?

The good boss is aware that you have weaknesses (like shyness and inexperience) and uses that knowledge to help you overcome your troubles. They applaud your successes and help you not to fail. In such a supportive environment, it’s easy to achieve and it’s easy to recover from mistakes.

The bad boss is also aware that you have weaknesses and loves to draw attention to them. In fact, if you don’t have enough weaknesses for their satisfaction, they’ll help you to create some (like anxiety and defensiveness). The bad boss ignores your successes, but is thrilled when you fail, rendering that failure more and more likely with every day. In such an antagonistic environment, achievement is almost impossible and recovering from mistakes becomes very, very difficult.

Don’t be the bad boss. Not even to yourself.

 Being The Bad Boss

Being the bad boss is miserable. It’s setting yourself up for self-hatred based in lies. Unhappiness lies to you about what you can do and how you’re perceived by others. Loneliness lies. Fatigue, hunger and boredom lie. And depression lies worst of all.

Being the bad boss is also impractical. People who don’t love themselves don’t get anything done! If you’re constantly focused on what’s wrong (I’m a lazy, awkward frump with no skills, bad breath and a terrible haircut”) then it isn’t really any surprise that you don’t care to do much for such a loser. What would be the point?

This is where the infuriating, self-worshipping gunk plastered all over the internet at the moment is right; you do need to love yourself. And this does include the parts of you that need improving. Where it is wrong, wrong, WRONG, is in suggesting that this is where the journey ends. Loving yourself isn’t important because of internet warm fuzzies. It’s important because of what it makes you DO. You can trumpet to the skies how much you love your scatty brain/ messy house/ alcoholic tendencies, but deep down you know better. Which means that, deep down, you’re still unhappy.

This is why your truthful self-analysis is vital. If you’re being the bad boss, dishonestly focusing your reflection time ONLY on negatives, then you’ll hate yourself and do nothing. But if the way you choose to love yourself also causes you to do nothing, that’s almost as harmful!

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 Being the Good Boss

In the past, I’ve told you not to go around assuming you deserve things. Today, I’m telling you not to assume that you don’t!

Confused? Stick with me, this actually does make sense.

The trouble isn’t really your conviction that you deserve something. It’s what that conviction causes you to do. If people think too much about their rights to things, they lose their impetus for action. They deserve whatever it is, damn it, so other people had better bloody make it happen.

But thinking that they don’t deserve things also destroys a person’s ability to act if they’re hanging over their own shoulder being the bad boss. Kick that bad boss away! This is the time where you do get to think about what you deserve. But I’m not talking about eating pizza or quitting your lousy job. I’m talking about real things, the things that get left out of the Tumblr circle-jerk.

Self-love does not mean indulging your own every whim. Self-love is recognising your desires (for example, good health, enjoyable work and a happy home) and then loving yourself enough to do what is necessary to achieve those desires!

Think of the respect the good boss gives you. They’re encouraging and supportive. They want you to be happy. But they don’t give you a book, a beanbag and a bar of chocolate and tell you to have a nice time. They expect you to work. And you should expect that too!

People work hard to do things like build a house, raise a child, create a business or maintain a marriage. And all of these things have made people very happy. But they also involve a lot of unpleasantness and difficulty. If you’ve thought hard about yourself and your desires, it becomes a lot easier to grit your teeth and get through the hard parts, because you understand the rewards will be worth it.

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 Expecting the Unrealistic

I know it isn’t necessarily that easy to just look at every part of yourself and love it. Most people avoid thinking about their flaws and hence, when they are forced to face them, they seem far more heinous than they would in another person. Relax. Deep down, most of us are pretty dreadful. But luckily, we’re all pretty awesome as well. You fit right in.

Your problem probably boils down to just one thing: Unrealistic expectations. There are two forms of these and both of them are bloody dangerous. There’s Form A, otherwise known as:

 I Hate Myself

Look at all of the awesome things everyone else is experiencing while I’m not doing anything. Everyone I know has a better job/ prettier children/ nicer holidays. I suck.

Form A is what happens when you have unrealistic expectations of yourself. If you don’t understand yourself well enough to know what it is you want from your life, it’s impossible to determine whether or not you’ve achieved it. In that state, it’s easiest to look at what other people are doing as guidance for what you should be doing as well.

Trouble is, all of those people are doing different things! Some of them are travelling the world, some of them are having babies, some of them are volunteering in distant places, some of them are staying home and achieving amazing things in their fields. You can’t possibly keep up with the achievements of absolutely everyone you know, so instead you wander around feeling constantly dissatisfied, no matter how many good things there are in your life.

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Or you could have Form B, otherwise knows as:

 I Hate Everyone Else

I’m an amazing person so good things should happen to me. If they don’t, it’s because society and the people around me are shallow and superficial and only care about money and prominent abdominal muscles.

Form B occurs when you have unrealistic expectations of the world. It’s not wrong to believe good things about yourself. You probably are a truly nice person.

BUT WHO THE HELL ISN’T?

Have you honestly met that many people who aren’t nice? And has the world rewarded them with riches, fame and incredible sex lives? Nope. Because being a nice person is the default setting for life in a human society. It is literally the least we can do.

On the bright side, that means we can usually depend on other people to be nice as well. On the bummer side of the ledger, though, is the fact that there are no special rewards for being nice, other than our fellow humans continuing to allow us to be near them. To get the extra goodies, we need to do extra things.

Some Form B people manage to think that far and try to do the extra things, but don’t necessarily get the goodies they’d like. That’s because their expectations are still unrealistic, like “Once I’m thin, everyone will love me,” or “If I get this law degree, I’ll be rich.” And when these things turn out not to be true, they promptly arrive at Form A via the long road, with a hearty dose of self-loathing to get them started.

Actually, I think most of us tend to combine Form A and Form B, depending on the state of our self esteem at a given time. But whichever one you pick, you’re going to be miserable, and miserable people aren’t very good at loving themselves.

Fear not! None of this is inevitable! Unrealistic expectations of any sort are caused by lack of self-understanding. And that means that you’ll be completely cured by a healthy bout of honest self-analysis (INCLUDING self-criticism). Fortunately, wiping out the unrealistic expectations makes it much easier to love yourself; and loving yourself makes it much easier to get rid of the expectations!

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 Staying Real

 When you are trying to honestly assess who you are and where you’re going, try and do these three things:

1- Look at the big picture

Sometimes we need to be gentle with ourselves. Sometimes it’s better to have a glass of wine, rather than go to an evening class. Sometimes it’s better to rest and let the dog go unwalked or the children unwashed for one day. SOMETIMES.

But please don’t be so gentle with yourself that “sometimes” starts to become “mostly”. If you aren’t moving toward the things you desire, then you’re waiting for someone to given them to you. And is that really very likely?

2-    Measure your progress against yourself

“My friend just ran a full marathon!” Well good for them! But you learned to make Pad Thai, so good for you, too. Don’t judge the worth of your accomplishments by what others do, judge them by how far you’ve come. Your achievements will make you greater, so it’s safe to take joy in those of your loved ones. They do not diminish you.

3-    Don’t make excuses!

It’s okay to not want to do things sometimes, even when those things are good for you. It’s also okay to want to do other things which aren’t good for you. What’s not okay is when you try to sell those feelings to yourself by blaming your long day, sore knee or lazy spouse!

There is no need to try and eliminate your imperfections, or hide them behind a wall of denial and shame. If you examine them in the light, there are usually ways to work with them. But if you’re nurturing your feelings at the expense of your development, that’s not loving yourself. It’s killing yourself.

Basically…

You can’t be awesome if you think you’re rubbish. Accepting and loving who you are is one of the first and most vital steps of your journey.

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Just never forget; it is a journey. And without regular, honest self-criticism, even those first steps are going to be impossible. Don’t criticize yourself too gently; you deserve more respect than that. But don’t dwell on your failings, either. Sure critics can be harsh sometimes. But other times, they give rave reviews.

On with the show!

Gem

XX

Being Awesome Part I

By Gem

You ready? Step one:

Stop Acting Like a Jerk

“I do not act like a jerk. I am a very nice person!”

Was that your response to that heading? Well you probably are a very nice person. But you may still act like a jerk. Acting like a jerk is easier than you think and it’s a condition that both Lazy and Busy People are likely to suffer from.

To illustrate:

Do you ever feel as though no matter how much you give, people still want more?

“But I worked so hard cleaning up the kitchen this morning, I DESERVE to relax for one afternoon!” Really? Maybe that’s true. But why was the work so hard, O Lazy One? Was it because you were doing an extra thorough job (skirting boards, windows, under the fridge) after a big cooking event like a party? Or was it because you left the dirty dishes for almost a week and hadn’t mopped the floor since January?

Guess what? Other people won’t reward you for completing a difficult job, when you are the reason it was difficult.

Do you ever feel as though people don’t appreciate your efforts?

“But I always work later than everybody else! I don’t DESERVE to be hassled about one late report!” Possibly that’s the case. But why do you stay later, O Busybody? Do you have too many tasks to complete during your working hours (despite everyone else managing just fine)? Or do you spend hours on pointless activities with no aim in mind? Activities like creating seminars with no learning outcomes? Writing 1000 word emails to colleagues, when one line with a link would have sufficed? Spending two hours smearing a grubby cloth over every window, so that someone now has to re-polish EVERY-SINGLE-PANE?

Guess what? Other people won’t credit you for work they can’t see the relevance of. Especially if you haven’t completed work they do see as relevant.

Perhaps you feel as though people aren’t trying to understand the real you?

“But I’m a good person. I shower every day, remember my mother’s birthday and feel really bad about third world problems. I DESERVE to have people like me/sleep with me/talk to me at parties.”

This one could be Lazy or Busy, but either way, guess what? Other people won’t credit you for your virtues until they’ve seen some evidence.

If you are someone who tends to think about what you deserve, there are two things you need to know. The first is that “just one” never means just one, and the person you are talking to knows it, even if you don’t.

The second is that you are acting like a jerk.

I’m… I’m what?

It’s okay. Acting like a jerk doesn’t mean you ARE a jerk. It just means that you’ve been a bit too focused on yourself up to now. Don’t feel bad about it; you didn’t know any better and from here on in, we’re going to work on that. Okay? Deep breath.

Not acting like a jerk: 101

Basically, not acting like a jerk means accepting and fulfilling your responsibilities; including your responsibilities to yourself. This is the first step toward awesomeness, but unfortunately, it’s not a fast or easy one.

To accept your responsibilities you first have to work out what they are. And that can be hard. It can be especially hard to dissociate responsibilities from the tasks you need to complete to fulfill them.

For example: You may have the personal responsibility of making certain that your clothes are clean. You can achieve this in several different ways. You could:

  1. Keep a limited wardrobe and do your washing every couple of days
  2. Purchase a more extensive wardrobe and do your washing once a week
  3. Keep a limited wardrobe and go to extra lengths to keep your clothing fresh
  4. Arrange a washing service to pick up your dirty clothing and deliver it after washing

You get the idea? I’m sure you could come up with even more ways to discharge this responsibility, depending on time, disposable income and personal inclination. In each case, though, the task you complete (washing your clothing, calling the washing service, buying new clothes) is not your final responsibility. It is merely the means to fulfill it. And that brings us to the next (possibly most important) point:

Effort doesn’t matter. Results do.

Actually, that isn’t 100% correct. Effort is very important in terms of your personal development. But the key word there is personal. It is unfair to expect other people to give you credit for effort the effort you put in, if the results they see are unsatisfactory.

That is why no-one is impressed with you for organizing the stationary drawer, even if it did take you two hours. No one asked for that. What they did ask for was for you to serve customers and wipe the sink in the break room. Which you didn’t do. Because you were expending so much effort on something else.

Effort doesn’t matter. Results do.

That’s also why your housemates still want you to wash the dishes, even after you’ve spent the entire day finally cleaning your crap out of the living room. The mess was yours. You have now cleaned it. Congratulations. You have now achieved the state that the room would have been in had you never entered it. You are NOT in positive credits for that. You are not even at neutral, since they had to live in your mess for a week. The net result of you living in that house is still a negative one, even if today’s cleaning did take a lot of effort.

Effort doesn’t matter. Results do.

Okay, those two were pretty extreme examples. But if you are someone who tends to feel unappreciated, overworked or misunderstood (remember the first three examples?) then I’m afraid it is quite possible that you are actually the one acting like a jerk.

Turning effort into result

This is why you need to negotiate your responsibilities, with yourself and with those around you; spouses, colleagues, parents, whoever. Not specific tasks (e.g. Put away the magazines) but responsibilities (e.g. Keep the coffee table clear). If you make it clear that you are negotiating on that basis, people are much more likely to leave you to complete tasks in your own way.

This makes it easier for you to set conditions (e.g. I will wash only those dishes which have been properly scraped and rinsed) and delegate tasks (I will grow sufficient potatoes for household consumption, if you deliver two loads of cow manure to the back yard every winter). This also makes it easier to say “No,” to new responsibilities that others may want you to take on, as well as protest when another person does not fulfill their own.

These discussions are not a one-off event (particularly the ones you have with yourself). As well as negotiating new responsibilities, you will sometimes need to renegotiate or discard old ones (e.g. I used to make your lunch, but you’re seventeen now. Make your bloody own.). And yes, there will be times when you’re unable to fulfill all of your responsibilities. So long as we take it one day at a time, and develop a long enough history of good results (rather than just “doing our best”), people will excuse our off days.

But what do I get?

“You’ve told me how to make other people happy, Gem. But what’s my reward?”

You know you deserve a kicking just for asking that, right? But I guess you need to know. Your reward will actually be 100% selfish and, I guarantee, the best thing ever.

Your reward will be getting what you want.

If you’re a Lazy Person? No more guilt. Ever again. No shame, no avoiding people. And you’ll never be afraid to ask other people for things because you will know that you’ve earned them.

For the Busy? No more stress. Appreciation of your efforts, rather than work piled on work, without getting ahead. No more sudden demands that seem to come out of nowhere.

Not being a jerk is a difficult road. But it’s the only one that, in the long term, will actually let you have what you want. Remember, jerks think about what they deserve. Awesome people think about what they can achieve. If your goal is a free afternoon to spend drinking tea and eating biscuits, stop worrying about how much you deserve it. Start thinking about what you need to do to get it.

I’ll put the kettle on!

Gem
XX

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