Fears are a part of daily life. We have big fears and little fears of average and extraordinary things. While fear is a natural part of human existence, it can be the one blocker that stops you from success and achieving great things.
Here are 25 ways to conquer the fears that scare the crap out of you so you can keep moving onward and upward…
Having friends and family over for holiday dinners is one of my very favorite gatherings. This Halloween I wanted to come up with an extra cute table setting. I made some spider plates, sewed some black napkins to match, and painted branches black for a spooky centerpiece-you know, the normal stuff (wink wink). Then my over-achieving inner hostess was like “this looks boring”. And heaven help us nothing is more frightening than a dull-themed dinner table ;). After some brainstorming I came up with the idea to add confetti to the table to really kick of the festive a notch! Let’s just say that Halloween confetti variety is sparse so I decided to make my own! I’ll let you in on a little secret too…this is the easiest craft you will ever do! Now lets make a mess….
- Black and orange card-stock paper- I just used leftover paper from another project so this craft was completely free!
- Circle hole punch (or a punches in whatever shape you want you confetti to be in)
“Never trade what you want most for what you want in the moment.”
It’s so easy to go for the quick option… to pick up coffee on the way to work (or ahem, a breakfast burrito) instead of making coffee at home, or to go buy something new at the mall when there’s an event coming up instead of wearing something you already own.
I’ve found that changing your life and your habits is all about delaying what you want right this second (new clothes, lunch out, etc.) for what you want long-term (an end to the cycle of guilt, no more freaking debt). I know, way easier said then done but it really is so worth it.
You deserve to be debt-free, and you deserve to have the life you’ve been dreaming about. xo, Anna
For years, my husband and I tried buying a house. Nothing ever worked out: bad inspections, bad appraisals, bad sellers, you name it. We had about five deals fall through. One was just two weeks before we were set to close…when my husband was laid off from his job. We didn’t proceed with the purchase and had to move out of our rental since new tenants were taking over. We scrambled to find another place to live. Luckily, we had some money in savings and had just the month before we paid off our last chunk of unsecured debt, so we functioned alright on my one income. After a year my husband found another job.
Once again we began looking at “real estate porn” on an almost daily basis. But by then, after the blow of a job loss, our priorities had shifted. We had become super frugal and our motto was “buy the cheapest house that we can live with.” Gone were the days of looking at homes that the bank told us we could afford. One night, my husband was doing an online search and was all “I wonder what kind of crack den you can get for under $50K?” And wouldn’t you know that’s how we found THE house. It was tiny, very low-priced, in an okay neighborhood, and ugly as sin. I could tell the place had potential though. It was a quaint 1909 gingerbread cottage in the city of Pittsburgh. When we toured it for the first time, I knew it had good bones and a ton of architectural details that could be brought back to life with a little TLC.
We ended up buying the house and taking out a 203K loan. A 203K loan is an awesome product because it rolls the cost of renovations right into your mortgage. We took out a 15-year loan for around $63,000, which included the house purchase and renovations, plus we also contributed about $20,000 towards remodeling upfront. Our teeny mortgage – which is a very small percentage of our monthly budget – means that we can set aside money for other things that are important to us and not be “house poor.” Owning this home is less expensive than any rental we’ve ever had, including our first crappy one-bedroom apartment.
For the sake of full disclosure, I will say that we are a little in debt right now because we went way over budget. We ended up having to buy far more remodeling supplies and home furnishings than we anticipated, in addition to some pricey, unplanned repairs and we had a contractor walk out on the job which ended up costing us extra money.
We have a hardcore 2-year plan for paying off this debt. It’s a short-term sacrifice for a long-term financial gain.
This is a guest post by Felicity Hernandez, Founder of Encore Baby Registry, a free website where expectant parents can create gift registries that include new, secondhand and hand-me-down items on loan or to keep.
The cost of baby gear, even for a minimalist, can add up quickly. These costs are compounded by the fact that babies grow out of gear at a similarly rapid rate. Luckily, there are a variety of ways to reign in costs without forgoing the baby products you want.
10 tricks to Save as Much Money as Possible on Baby Gear…
Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!
Disclaimer: All data and information provided on this site is for informational purposes only. And Then We Saved makes no representations as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All information is on an as-is basis. Spending Fast® is a registered trademark. All rights reserved.