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Relocating to follow a dream? Answer these questions first.

June 28, 2013 by Jana 5 Comments

Remember the other day how I said I would talk another day about moving to chase your dreams? You’re in luck because today is that day. Also, I promise that this is my next to last Nashville inspired post. You have to bear with me on that because I was there for a week and I had a lot of time to myself. This is what happens when I’m left alone.

Maybe it does. Maybe it doesn't. Are you willing to work to find out?
Maybe it does. Maybe it doesn’t. Are you willing to work to find out?

The idea of moving to follow your dreams is not a new one. After all, it’s the basis for dozens of movies and books and one of my personal favorite songs (Poison’s Fallen Angel. No judgment). It’s the reason Nashville and New York City and Los Angeles are filled with so many aspiring actors, singers, writers, models, and their ilk. It’s the belief that if you want to make it big, you have to move to the heart of your industry. And maybe there’s something to that (let’s be honest, there is). And if you have the balls to do it, I give you a standing ovation. Because it really does take a strong person to leave everything behind to pursue a dream. I don’t know that I’m that strong so I envy you a bit.

However. Even if you are that strong and are seriously considering moving to chase a dream, I want you to ask yourself these few questions before you do it:

  1. Is it really necessary? Can I figure out a way to do this without actually moving? It is possible to fulfill your fantasy without uprooting your entire life. There’s things like local theater, local politics, semi-pro and amateur sports contests and leagues, the Internet, and numerous other outlets for you to do use to build your dream career. Quite frankly, before you move, I recommend that you start at that level, and I do so for 2 reasons: 1) it’ll give you practice, a good foundation, and beginning resume if you do relocate and 2) it’ll give you a good feel if this is, in fact, something you’d like to do as a career. If you can’t handle an open mic night with 17 people present, how are you going to handle an entire arena?
  2. Can I afford it? Do you have the start-up capital to begin life in a new city? It’s expensive to move and, if you’re going to do so, you need to make sure that you have money to support yourself those first few months. Before you hop in your car and make a run for it, take some time to research cost of living. Figure out how much money you’re going to need to get started. And, if you don’t have it now, delay leaving. Stay where you are, save some money, set a target date and then go.
  3. How will I support myself once I’m there? It’s the rare person that moves to a new city to begin a dream career, particularly one in the entertainment industry, with a good paying job. Or any job at all. You need to make sure that you have some sort of income source (which, thanks to the Internet, is easier than ever) in order to provide your basic needs once you’ve relocated. For instance, my little sister’s BFF from high school worked as a ticket collector at a museum after he finished college so he could support himself while he auditioned. It was a job, and that’s all that mattered. Are you willing to work that kind of job to support yourself? If the answer is no, then stay put.
  4. What’s my backup plan? Maybe you’ll succeed. And I hope you do. But what if you fail? What if you spend 5 years doing everything you can think of and you never make it big (or even medium)? What will you do then? While it’s great to be optimistic and confident (can you give me tips?), create a backup plan. Just in case. A backup plan is why a number of athletes stay in college instead of going to the draft after their freshman year. A backup plan is why child actors go to college in the first place. It’s why, if you become successful, you need to manage your money really, really well. Because whatever you’re doing may not last. And you need to be able to do something else.
  5. Am I willing to do whatever it takes? When you move, are you willing to do crappy plays or play to 6 people or write obituaries or work as a tour guide at a studio or waitress at a bar just to get your foot in the literal and figurative door? Are you willing to start from the bottom, doing things you feel are beneath you because you see the long term benefit? Most people who are successful didn’t fall into it overnight. They did it through blood, sweat, tears, hard work, maybe compromise their morals, doing things they wouldn’t ordinarily do (no, not porn. Stop it) to promote themselves. Are you willing to walk around a bar with a bucket in hand, asking people to tip you and your band? If not, maybe you should reconsider some things.

If you can’t answer these questions with positive, affirmative, and concrete responses, then my advice is to stop (collaborate and listen). Right now. Do some serious thinking about your choices and then revisit the questions in a month or so.

It’s great to dream. I do it all the time. I have some (okay, fine. A lot) delusions of grandeur about becoming an incredibly successful writer. And it’s something I encourage everyone to do (both dream of my successful writing career and whatever it is you’d like to do). However, if you have a dream, please consider if moving and changing your whole life is the best and only way to achieve it. 

Filed Under: money moves, work

4 tips for handling setbacks

April 12, 2013 by Jana 9 Comments

 

Many of you know that I have begun my pioneer project. It's going…fine thus far. I've been mainly focused on two tasks: sewing and getting our garden started. The sewing is progressing nicely but the gardening is another story. Because, well, our plants are dead. Really, really dead.

We did everything we were supposed to do to get them prepped and ready for their containers (we have to container garden. HOA rules) and inside, they were kicking ass. Sprouting up all over the place. Nice and healthy. Anticipation ran amuk in my house with the bounty that we would produce. And then the plants got too big for their indoor greenhouse thingy, we transferred them to larger containers, left them outside in the sun, watered them every day and poof! They croaked. Now we have to start all over again. It's quite a setback in our gardening plans.

This has happened to us financially, too. Just when we thought we were getting on track, things happen. We needed 2 new cars in 6 months. Our HVAC system needed repair. The dog had to go to the emergency room. I stopped working full-time. Fortunately, this did not all happen at once but each time was a financial setback (thankfully we have an emergency fund but still, it does have to get paid back). Money back in to the EF meant money we couldn't use for something else like long-term savings or an extra payment on the husbsnd's student loans or contributing to the child's 529. Setbacks like this are maddening and frustrating.

Fortunately, setbacks can be handled with minimal damage to a relationship and a wallet. And they're not impossible to recover from:

  1. Identify the cause. In order to fix the problem, it's important to figure out potential causes. By identifying those, you can start coming up with a plan to prevent it from happening again. In the case of our garden, we either transferred the plants too early or didn't use the right kind of dirt (soil. Whatever). So, when we start again, we know to keep track of dates on a calendar and go to a gardening center to get help for selecting the appropriate dirt.
  2. Accept your role in the problem. For the most part, bad things just don't happen. Human error is involved either through mistakes, poor planning, or willfully ignoring a smaller problem that caused the larger one. Blaming others for your misfortune might make you feel better but it doesn't solve anything. Acknowledging what you've done makes it easier to adjust your behavior in the future. After our dog went to the ER last year, it was easy to blame him for eating the toys but really, we had to be better about supervising the child's clean up since we know Dobie is prone to this activity.
  3. Make a plan. And stick to it! When a setback happens, it's easy to throw our hands in the air (and wave 'em like you just don't care) and quit. It's easy to fall into the trap of self-pity and say “why does this always happen to me?” And if you have to wallow in that for a few days, go ahead. But then snap out of it and formulate a plan to get back on track. Write down tangible, concrete goals with a timeframe. When we had to buy my husband a new car, we had just entered the land of no car payments and we were seriously pissed off. And we allowed ourselves to be. But then we devised a budget, a car shopping plan and a schedule for paying off his car early. What a great day that was, too.
  4. Let it go. Once something bad happens, particularly when it comes to money, you have to let it go. Harping on the fact that it happened won't undo it; in fact, it'll just make the situation worse. I liken this to a baseball pitcher giving up a home run. None of them want to do that but it happens. But once the runner crosses home plate. It's done. Gone. Over. The next batter is a chance to start fresh and move on. Treat your setbacks the same way.

Setbacks happen to even the most careful, meticulous planners. You could have the most detailed, specific debt repayment plan ever created but one day, something might happen that throws all of it into a tailspin. And that sucks. But you can let one misfortune derail all of your hard work. Learn from the situation, readjust, regroup, and start over (even of it sucks). And remember to tell yourself that this setback is only temporary and eventually, you'll reach your goal.

Readers, how do you handle financial setbacks?

 

Filed Under: Money, money moves

Daycare is done…let the financial stress begin!

June 20, 2012 by Jana 7 Comments

In my house, we just celebrated a huge milestone. We made our final payment towards our daughter’s daycare. That’s $660 per month back into our budget. Or is it?

Due to our precarious financial situation over the last few years, my husband and I have fallen behind in some specific areas; namely, retirement savings, increasing our emergency fund and saving money for our daughter to go to college. Now that we have this money that’s not obligated towards a service, the logical step seems to be to divide that extra money into those areas (which would increase our current contributions made with money previously reserved for debt repayment).  We’re already used to the money being spent so it’s not like we’d miss having it every month. But the more I think about it, the more I think that maybe that money could have some other uses.

Here are a few ways I think we can spend that money:

  • School. Even though she’s no longer in daycare, my daughter will be in school. And along with school comes expenses. Clothes, class pictures, field trips, book fairs, teacher gifts, school supplies…a whole list of items to pay for. Perhaps it would be a good idea to set some of that $660 aside every month for these types of quasi-surprises. That way the money is there and we don’t have to scramble.
  • Extracurricular activities. I am a huge supporter of extracurricular activities. I think they give kids a chance to enrich their education, meet kids from different schools, and apply their skills in other areas. As a result, my daughter is usually enrolled in 1-2 activities. Because we do most of them through our YMCA, they’re a lot less expensive. However, less expensive doesn’t mean free. Maybe some of that extra money can go towards paying for these activities and whatever “equipment” might come with them.
  • Student loans. My husband still has student loans to pay off. Like a lot of student loans to pay off. We have a plan to pay them off before we turn 40 (we’re 34 and 35) but putting this money towards his loans would make the payoff that much quicker.  This is probably the only debt we have that I resent (it’s a long, sordid tale) so the sooner we can get rid of it, the better.
  • Add it into our monthly budget to pay bills. Right now, I’m on leave from my job and we’re not sure if I’m going to go back. If I don’t, we’re going to take a huge financial hit by losing my salary. Having that $660 per month in our budget to cover expenses will ease that burden and give us peace of mind.
  • Do nothing and wait to see where we need it the most. This is probably what makes the most amount of sense to do but I am so crazy with allocating my money that to leave it there, without a purpose, makes me twitch. I feel like if it sits there, we’re going to spend it frivolously and then when we do need it, it’ll be gone. Which is a terrible, horrible, awful, no good, very bad feeling.

Then there’s the matter of private school tuition. Although we’ve signed Erica up for private school, we’re still debating if it’s the right choice, mainly due to financial reasons. Our feeder school isn’t as bad as it used to be and provided all goes well with selling our house, she’d only be there for one year. However, if we can opt for private school, that money we’re saving by not having daycare will most likely go towards tuition.

So. Many. Choices.

Since I’m a planner, I like to have every situation mapped out before I make a commitment to one thing. Figuring out what to do with this money is going to mean my husband and I need to have a long talk. And although we don’t fight about money, I’m a little nervous for this discussion (because we have completely different opinions on the whole school issue).

I’ll let you know how it turns out.

Filed Under: bills, budget, Family matters, money moves, savings

Unsupportive friends? Let ’em go.

March 9, 2012 by Jana 22 Comments

Addie from Life and My Debts recently posted that her friends are completely unsupportive of her desire to become debt free. Their lack of support had her questioning her intentions and left her wondering if she’s bizarre for wanting to eliminate her debt. She started to think that she should just accept her debt and not worry about it for the next 14 years. The whole post made me quite sad. Why? Because, 10 years ago, Addie could have been me.

When I was 25, like Addie is, I didn’t understand the first thing about finances. I didn’t care that I had debt because everyone had debt! I didn’t think twice about using a credit card for things I couldn’t afford in cash and I certainly didn’t care about getting my then-fiancé’s (now husband) student loans paid off (after all, they were his. Not mine). I figured my credit card debt would take care of itself one day and living paycheck to paycheck with no real budget was the way to go. I had a full-time job with benefits, a car, a nice apartment…the works. My friends were all the same way and none of us at anytime ever discussed what it would be like to not have debt.

Come to think of it, we never really discussed money at all. Not in any sort of productive way anyway. When we would talk about money, it was which beers were on tap and what the cover charge was at our favorite bars and how much that really cute shirt cost. In my 20s, I never sat around with my friends discussing the importance of saving for a down payment or investing in our retirement funds or just using cash. For me and my friends, finances weren’t important. As long as we were doing what we wanted, it didn’t matter how we funded it. [Read more…]

Filed Under: beginnings, Money, Money Motivation, money moves, money tips, opinions

Confession: I don’t understand investing

March 7, 2012 by Jana 45 Comments

This post is a part of Women’s Money Week 2012. For even more posts about savings and investing, visit womensmoneyweek.com.

It’s been a long time since I’ve made a confession. I feel that you’re due. So here goes: I don’t know anything about investing.

For a personal finance blogger, that’s a pretty sad fact. But in my case, it’s true. There’s no good reason for it, either, except for the fact that it bores me to tears. I don’t care about the stock market. I don’t care about figuring out returns. I don’t care to know about bulls and bears unless it’s knowing how to avoid contact with them. And the tickers that run at the bottom of some news networks? Are more confusing than trying to figure out where the

Believe me, I know how awful that sounds. I know how important it is to understand all of that information. It affects my retirement fund, my interest rates (does it?), and so many other aspects of my finances that it actually does me a disservice not to understand it. But I just can’t bring myself to understand it. It’s a problem I’ve had since high school when my economics teacher attempted to teach us about stocks. It was so complicated and so boring to me, I tuned it out. It’s a pattern that’s just stuck.

That doesn’t mean I don’t invest. I do have a retirement account (or two) that are dependent on investing and stocks and all of that. Sadly, I have no clue which companies I’m invested in. I tried to care when I was picking the companies. My husband encouraged me to read portfolios and about long term rates of return and all of that. And I tried. I really did. But after 5 minutes, I stopped, picked the ones that had the most interesting names and went with that. And I haven’t made a single change since I first picked the stocks.

I want to understand investing. I try to read blogs and posts about investing. I follow news stories. I ask questions of people who know what they’re talking about. I’ve been making a concerted effort to learn but unfortunately, the harder I try, the worse it gets. For some reason, my brain will not allow me to absorb the information that’s available, no matter how well written or simplified (it is at the point I feel obligated to say that I believe if I knew less song lyrics and movie lines, there would be more room in my brain for this information).  It’s as if I’ve been sprayed with investing repellant.

Sadly, I’m not alone. While I may be an anomaly in the personal finance world, I’m a statistic in the real world. In my real life, I don’t know a single woman who actually understands investing (or admits to understanding investing). Most of these women say that they leave it to their husbands to understand and take care of it; it’s just not something that they care to be bothered with or even care to comprehend. I think that’s where we differ. While they don’t care to learn or are more than happy to sit back and let their husbands take care of it, I genuinely want to learn. I just struggle more than I’d like.

I believe it’s extremely important for women to understand and learn about investing. It’s part of taking an active role in our finances. Relying on someone else to do it for us is no longer acceptable. And, if you’re willing to teach me about investing, and have an extreme amount of patience, please let me know. I really want to understand my retirement account.

Filed Under: Confessions, Money, money moves, savings

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Jana

I'm Jana ...

A book reading, nail polish wearing, binge watching, music loving, dog owning, reluctant cheer mom.
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