19 January 2022

Hey Luv,

So I know January felt like it has been here for two months. With the constant chatter of back to school, your car making “expensive” sounds and the great calling of an expensive, yet needed holiday – it can be very overwhelming.

Logging onto any social media platform can be very daunting. With the constant appearance of instant gratifications such as same day delivery and the advent of credit cards that enable us to live beyond our means, our attitude for “more” can often feel impossible to satisfy.

Now, don’t exit this blog just yet, it does get better…

Finding contentment in one’s financial journey does often include things such as a credit card but this does not mean that it strips us from living wholeheartedly. In fact, this is what budgets and financial planning is all about – it is about fulfilling your financial goals.

Here are two ways that you can start practicing contentment and start finding new ways to look at your financial journey:

Practice gratitude daily
I know this may seem cliché, but gratitude is inseparable from contentment. For most of us, the one day we conscientiously think about being grateful for the things we have is on Thanksgiving, but how would our lives change if we practiced that level of gratitude on a daily basis?

Pause, and stop purchasing material items that are not needed.
I know you saw that beautiful item that you have been pondering since you came from the mall last night or saw online, but… do you really need it?

The world as we know it is facing a crisis regarding mass production and it is up to us to make certain that we reduce the rate at which we spend and consume material things. This is why gratitude is the first step, in order for us to pause before we purchase, we need to be thankful and mindful of the things we already own.

Take ownership
Yes, everyone faces a crisis at some point in their life but there is great strength in being accountable enough to realize that we are the Captains steering our own ships. Someone who lacks contentment will blame “the world” and use hardship as an excuse for poor financial decisions. Someone who takes ownership of their life, on the other hand, realizes that they are behind the steering wheel.

Contentment does not have to be this big routine planner with a time and schedule, it’s simply being mindful of our actions and thinking before we act.

Until next time,

Jeanetta Cardine

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