Too Thrifty Chicks

Think.Thrift.Create


Leave a comment

A Mermaid’s Guide to Surviving a Pandemic

Stop, drop and float! A mermaid in her element.

I would not have guessed that I would be thinking and writing about swimming during a global pandemic. But here we are. I write this on a Friday, at the end of my seventh week in isolation since COVID-19 swept into the United States and forced us to participate in a global timeout.

Unlike millions of Americans who find themselves unemployed because of this pandemic, I am still working. I’m grateful for that up to a point. There is a difference between working from home because you want to and working at home because you are forced to work. A big difference.

A fish very much out of water.

I’ve been working more or less from home since I rejoined the working world in February. For those that don’t know, I left my full-time gig as a daily journalist back at the end of May 2019. I left because burnout and grief are a powerful cocktail and I was standing at the corner of hope and despair pretending that it was all fine and it wasn’t. I’ve tried despair. It tastes like what I imagine a bleachtini with a shot of Fabuloso tastes like. (Don’t drink that.)

But back then, I promised myself that I would not simply push through my despair this time. I would heal it. I also promised myself that I would finally learn to swim. And that I wouldn’t just learn to swim for survival. I wanted to get in touch with my inner mermaid. I wanted to swim and love it.

Snorkeling, kayaking, standup paddle boarding…you name it!!!

I spent the entire summer going down to Sarasota, Fla. for a week at a time to do just that. When I wasn’t in Sarasota I was in the adult swim classes at LEAP, heading to the pool at Conte School, the Orange town pool, one trip to the pool at Hillhouse High School, and eventually finding a pool home at the Jewish Community Center of Greater New Haven.

I learned to swim through a program called Miracle Swimming for Adults. And a graduate of the program told me and my classmates in our beginner course that what we were learning would be useful to us in the pool and outside of it. I believed him then. And now that my pool is closed because of the pandemic I believe him even more.

Around self-isolation week three I started to ask myself: why are you so calm? 

Now listen, there are a million reasons why I should be calm. All my basics are covered. Food, shelter, water, clothes? Check. Heat, electricity, Internet access, and a safe environment? Check. Physically distant from my loved ones but still able to keep in touch? Check. 

But during a global pandemic, even the privileged get nervous. When there is no toilet paper or disinfectant on the shelves for weeks you get nervous. When you read stories about farmers plowing under their crops and businesses sacrificing their underpaid, under-protected employees, you get nervous. 

In the face of a silent killer that has struck the physically weakened and the strong, the young and the old, the rich and the poor — by no means in equal fashion — you get nervous. You get nervous because you know as the country dissolves into what seems like anarchy little-by-little, every day, all of these things could be happening more directly to you. Only time will tell.

But I really wanted to get to the root of why someone who started having panic attacks a year ago, who had been battling bouts of insomnia long before that was now experiencing an unprecedented (for her) level of calm.

And the answer floated to the surface: it’s the swimming. You are a mermaid.

Melon Dash, actual badass who swims with dolphins.

I became a mermaid through a system that teaches adults panic prevention in deep water. It is taught through a concept pioneered by Miracle Swimming founder Melon Dash called the 5 Circles Mindfulness Method

And much like near-drowning experiences, a global pandemic is built for panic. It is the deep end of the pool. It is the bottomless lake. A global pandemic is the vast ocean where you can’t put your feet down or cling to the perimeter.

Through the 5 Circles method, I learned the stages that lead to panic and how to prevent them. The short version is you want to remain in your first circle in most situations. You might be able to manage if you are in your second circle. But you don’t want to stay there because it can easily spin out to circles three through five and then PANIC!

I’ve been in what we in the swim program would call my first circle for much of the seven weeks. The first circle is your most comfortable, relaxed self. You’re in your body and feeling all the things. When we first got in the pool, for many of us, being in our first circle was standing with our feet firmly planted on the ground in the shallow end of a heated swimming pool.

Learning to swim in an outdoor, heated pool in Florida in the middle of summer might sound like madness. But there is a method. Fear can feel cold. Fear will make you shiver, even in a heated pool. Fear will make you feel cold when you consume too much news.

In these weeks of self-isolation, I realized that when I am over stimulated from consuming too much news (sorry, journalism friends) I actually tend to physically shiver. And what I was doing to compensate was putting on all my warm soft things and a heated blanket. When what I needed to do was all of that plus limit my consumption of news. 

As my swimming lessons progressed last year, being in my first circle was about my ritual for entering the swimming pool. That ritual includes entering the pool slowly. Having a nose clip and goggles. Wearing a rash guard or neoprene swim vest for warmth. Getting my face wet first. Spending some time submerged. Noticing where in my body I felt tension.

Floating comfortably in the very salty Gulf of Mexico.

Eventually, it became floating on my back with my hands behind my head, and my legs crossed.

During this pandemic, it looks like noticing my cold hands and feet AND the tightness I felt in my chest. The tightness that would cause me to look up the symptoms of COVID-19 and heart attack if I read the news for an hour. It looks like limiting my news intake to 30 minutes at the top of my day and returning to a land-based meditation and mindfulness practice because I can’t go for a relaxing float.

It has looked like identifying what we learned in our swim classes as speeding. In class, that meant doing a skill so fast that you couldn’t remember how you did it or recall the steps. Or being so freaked out doing something that you scared yourself. 

In a drowning situation, most people can’t recall what happened. If they survive, they might tell you it happened so fast. And even if their terrified mind can recall the details they will not be able to recall if they could feel the buoyancy of their body or that their flailing arms were actually holding them underwater. Or even that they were far closer to the surface and the precious air their lungs craved than their scared mind could fathom. They had no awareness of all of that because their mind had completely left their body. That’s classic circle-five behavior. That’s panic.

Interestingly enough, the way that the novel coronavirus can attack and damage the lungs, closing off the ability of a person to breathe, sounds a lot like drowning to me. And when I imagine what it must feel like, and then read about what it actually feels like, I get scared. 

On land, speeding is probably most akin to busyness. Do you remember the mad dash of the first couple of weeks as everybody tried to pivot to a home-based operation? I certainly do. The flurry of meetings. All of the emails. And the beginnings of everything moving to Zoom. For this introvert, the first couple of weeks were mentally and emotionally exhausting. 

We probably realize now at week seven that we could have done a great many of those things a little slower. Many of us who don’t have frontline jobs — essential jobs that are saving lives — could have been untethered for a week to grapple with the fact that we don’t know when we will see our coworkers again without the mediation of our computers. When our kids will see their teachers. When we will see our loved ones in person again. 

We traded our emotions and acknowledging our fear for a semblance of normalcy and productivity. For we collectively believed that if we just keep moving it will all be OK. We were desperately treading water. 

Don’t beat yourself up. I did it too. But then I remembered that rushing around with my hair on fire, even from home, wasn’t going to save anyone’s life, not even my own. Collectively, we were all in circles three through five, panic shopping and working too much.

Our week-long swimming program was highly structured. We had dry land class time for at least an hour each day before we stepped foot in the pool. We also had home-fun (sounds nicer than homework) to complete after every class. The program also included deliberate downtime and rest so we could digest what we learned in class. Some days, our swimming courses were twice a day. That meant up to four hours in one day facing for many of us what was up until then our deepest fear — the fear of drowning.

And some days there were setbacks. A skill that you learned in the morning might fall apart during the afternoon class. And you’d be heartbroken because you knew you could do it. Everybody saw you do it. 

Our instructors would kindly and compassionately suggest to us not to practice frustration. They’d gently guide us to return to a skill we could do. That might look like practicing something so easy we could do it with our eyes closed or simply taking a moment to play a pool game. We called this changing the subject.

I have found during this practice of self-isolation that I have to change the subject often. Too often, everything we talk about is heavy with pandemic speak. But guess what? The ordinariness of life is still happening for better or worse. 

People are celebrating milestones like birthdays and anniversaries. Some people’s marriages are still falling apart. People are still having babies. People are still moving, taking on different jobs. People are still dying of things other than the novel coronavirus as I brutally found out this week when I learned of a former childhood neighbor’s tragic death in a car crash.

I also got the news that yet another former newspaper colleague was losing his job to budget cuts. These painful things hit me on the same day when I was personally having a very good quarantine week. People are still peopling.

But it has been the first circle rituals that I have established in these weeks that have kept me grounded when it feels like the wildfire is far too close to my house. Like the water is rising. I can tell you what those rituals are but my rituals don’t matter. Your rituals matter. What works for you matters.

Having an awareness that every day those rituals can change because the circumstances change matters. I’m doing more reading during the quarantine. Ironically, I was reading Octavia Butler’s Parable of the Sower and it’s sequel Parable of the Talents when we went into collective self-isolation mode. 

And part of the way I am “shaping change” is by remembering again something I learned in swim class: every day at the pool, every day at the ocean, is a different day. Some days, you have the whole pool to yourself. Some days it is filled with rambunctious little kids, some days it’s teenagers trying to become lifeguards. Some days the Atlantic is calm and placid as a lake. Most any other day? Not so much. 

Every day of this pandemic will bring something different. How I choose to stay present for it all will determine if I meet it with some sense of calm or panic. Some level of grace.

And I’ll be honest, going to stores takes me out of my first circle. In fact, the first couple of times I did it was right around when we began voluntarily masking. Of course, it is the law now. But when I tell you it was a speedy, feral-eye darting from here to there, dodging those who were still browsing instead of being deliberate …whew. 

My heart rate speeds up just thinking about it. I left those stores feeling like a hot and sweaty, frustrated mess. So of course, my trips to the store are fairly limited and even more specific these days. When I stopped focusing on all the ways I felt people were doing it wrong and that I couldn’t control, I began focusing on what I could. 

I noticed that the CVS I frequent is almost always nearly people free during the times I am able to go. But I had to slow down to notice that. And I had to learn to breathe with my mask on even though breathing feels like one of the scariest things in the world right now. 

Somewhere far out in the deep of the Gulf of Mexico.

What I eventually learned as I progressed to where I am now — someone who can confidently say she can swim — is what my instructors told me then. The water in the shallow end and what you can do in it works the same way in the deep end or even the ocean. 

Your body works the same way. Your breath works the same way. All the skills you know for dealing with this moment work the same way. All those real self-care things we all know we need to do more of but don’t, work the same way. And these are the things that I remind myself as I stay safe at home.

This pandemic is the deep end of the pool. Be well and may the first circle be with you.


1 Comment

For Annie Mae Jones Jeffers

FullSizeRender 104

You are hand kneaded dough that rises to become hot bread. Bread, that along with molasses is considered a meal. But I don’t like molasses, so I always just ate it plain. You are gravy and fried chicken. You are coffee that I am too young to drink. But you. You let me drink it anyway, and the taste for it is always with me even to this day.

You are summers spent barefoot in the sunshine. You are a garden tomato eaten raw, juicy with salt. You are a cut in half tire, turned seesaw. You are muscadine grapes and flowers that grow in controlled chaos. You are my love for rocking chairs and sitting porches. You are chocolate cake and maybe I have been craving the taste of chocolate because I knew this day was coming.

You are women gathered at the table. Gathered in the wonderland of your yard. Gathered long after dark and the lightening bugs have come out. Laughing. Loud and untamed. Happy tears of mirth, running down dark cheeks. And occasionally a little trickle of urine. You are a dip of snuff. Tucked expertly between teeth and lower lip. You are the master pincher. In a family full of men that you loved and gave life, you are the heartbeat at the center of the tree.

FullSizeRender 105When I was told that you had passed, my heart went straight into my throat and then took a free fall into my stomach. Given that you were in your 80s, your passing is not unexpected — should not be unexpected. But who can ever be prepared for death?

I remember very clearly the last time we really spoke. I was in town for A.J.’s wedding. I’d stopped by your house to change clothes.

“Who you,” you asked. “It’s me, Mommae. Keshia.” You looked at me. Uncertainty clouding your face. “Keshia?” “Yes, Mommae. Keshia.” We went through that line of questioning about three times. We did it again after I changed into my dress.

“That’s a pretty dress,” you said. “Who you?”

I am what you helped make me. I am every ounce of love that you poured into me and everyone you have ever come into contact with. I am the wind from rolled down windows on winding country roads. I am pallets on floors and fatback meat. I am wild plums and wild strawberries. I am one of the many seeds in the garden of your family. Thank you for the sunshine of your smile, the strength of your hugs and the nourishing water of your laughter. I honor you. I love you. Thank you for being my bonus grandmother.

 

 


Leave a comment

Final Recap: Low Spend January. The End.

Hello Chicks and Chucks. We made it through the last week of Low Spend January and the answer to the question of the last post of whether the last week would be a truly no spend week alas is…NO.

But I was so close.

From Jan 24-28 — five whole days — I spent no coins. And then Friday the 29th happened.

Things were going well. I had even packed my lunch for Friday because I already had it in my head, if I could get through the weekend, on the 31st I was celebrating with a really nice brunch.

Lunch

The Missing Lunch

So, I go bopping off to work, confident in the fact that I was going to make it through the work day without buying anything. Imagine my horror when I reached into my backpack for my lunch and I couldn’t find it.

After weeks of bringing my lunch, this past Friday I forgot it. I was bummed to say the least, and I decided to try Shake Shack’s new chicken sandwich and fries to cheer myself up.

And Friday just got spendy from there. I kept a promise to hang out with a co-worker/friend. I intended to eat before going out, but I didn’t. So I picked up a prepared sandwich from the grocery store. I also took an Uber to the place we were chilling and took one home because the bus won’t let me be great and I wasn’t in the mood to walk home in the dark.

But on Saturday, I realized that this process had changed me.

I stayed in bed late and luxuriated in having a day where I legitimately had nothing that I needed to do. My food supply, however, was getting low. The old me jumped online and set about deciding on what I wanted to order. But it occurred to the new me that I could go to the grocery store and buy enough food to eat for the next three days with the money I was about to spend on one meal out.

The new me and the old me closed the laptop and went to the grocery store.

While I’m not happy that I broke my streak, or that I spent $54.98 in TWO DAYS, I am very happy to report that I achieved my savings goal for the month and only spent $308.75. It would have been nice to have saved that $300 in addition to the other money I was able to save, but it probably wouldn’t have been as much fun.

Would I do this again? Yes, though I think I would torture myself about it a little less. I never realized how mentally taxing not spending money could be. Instead, I think I would stockpile my personal hygiene items and do a better job of meal planning.

In fact, I’m committed to a No Spend/Low Spend Month at least once a quarter because it will help me reach my debt-pay off goals, and eventually my savings goals, that much faster.

And because I am doing it on a quarterly basis I can better prepare for No Spend/Low Spend months. I already know that February and March will be higher spend months because I have travel coming up. I also plan to throw an extra payment at a bill. So neither of those months would be good months to try a challenge. But April is looking like a contender.

So what about you? Want to give it a whirl? Here are my top three tips for a No/Spend, or Low Spend month:

  1. Be realistic. Leaping into a no spend month might make you miserable, so try a no spend week, or pick a day or two each week where you won’t spend money and make sure to save the money that you might otherwise spend.
  2. Pack your lunch. This is where I probably got the most bang for my buck in terms of savings. This month helped me realize that I was being a baby about eating leftovers, and just cooking in general. I like to eat out as much as the next girl, but I have realized I like saving money more. I wanted eating out to be what it should be for me — an occasional treat, not a means for survival.
  3. Make a list. Never go into the grocery store hungry or without a list. If it’s not on the list, leave it in the store. Period.

That’s all I’ve got for now friends. If things didn’t go as planned in January, I encourage you to make this a Fresh Start February. Take a mulligan for the first month of the year, or consider it a practice month. Start fresh on your goals, whatever they are, today.

Happy Adulting!

— Ricks

 

 


1 Comment

Recap: Low Spenduary Week 3

Hello Too Thrifty Chicks (and Chucks)!

Can you believe that we’re in the last week of this month? I can’t.

But since the calendar isn’t lying, that means we’re in the home stretch of this No Spend/No Spenduary Challenge. (If you don’t know what I’m talking about read about it here, here and here.) As you can also see, I have changed the name of the challenge to more appropriately reflect what has occurred this month. I didn’t NOT spend, but I spent WAYYY less than I usually spend.

Like I said in the previous post, I knew that I would spend money during week three. And I did. I needed some grocery odds and ends, I had to purchase a ticket for my sorority event (which was postponed thanks to Winter Storm Jonas), and I’m having an ongoing battle with fibroids that insists on making my life hellacious on the worst days and really inconvenient on nearly all the other days, so again back to the store for personal hygiene items.

As I was in the grocery store last week, I realized how often I sabotage myself when I go in without a list. I needed flour tortillas and cheese. That’s it. I also had a taste for some chicken wings and since I wasn’t going to order them out, I knew I could get them at the prepared food section of the grocery store, but that was it.

Guess what was in my basket? Peanut butter and jelly, bread and various snacks. I was properly thinking ahead for the coming snow, but I had not initially planned to buy those things. When I realized what I was doing, I put everything back but those things that I had originally stopped at the store to pick up.

At the end of the week, I did go back and purchase the things that I had originally put back. Sure, it added an extra trip that I could have saved, and I forgot the bread. But this whole experience reminded me of how important it is to plan out trips to the grocery store. Planning saves you money and time. On an intellectual level, I know that. But in practice it is often hard to remember.

All and all, week three is my lowest spend week yet. And new budget nerd that I am, I thought you all would like to see some numbers.

Week 1 Total Expenditures: $108.08 on mostly groceries and transportation. These were all allowable expenses under the original “No Spenduary” rules.

Week 2 Total Expenditures: $93.74 on mostly personal hygiene items, groceries and some eating food out. Food out was not an allowable expense under the rules, and I spent about $19.54. Personal care items also were not allowable expenses under the rules, but I spent $36.46. Groceries during this week came to $37.74.

Week 3 Total Expenditures: $51.95. ::pops collar:: I spent $25.12 on groceries. Another $13.83 on personal items (damn these fibroids!), and $13 on my sorority (the ticket to the event was $25, but I had a PayPal credit (thanks, YNAB!) which picked up $12 of the cost).

Already I can see that I would spend far less time in the grocery store (which y’all already know I don’t really enjoy that much) if I really meal planned a little more tightly and made sure that I had the things on hand that I need. Every trip to the grocery store increases the risk of me putting stuff in the basket that I hadn’t intended to buy. That said, this was my best week of meal planning so far and I ate the three things I had on hand all week long without any complaints.

I have to say, not eating out hasn’t been as painful as I thought it might be. Mind you, it’s cold outside and the way the bus system runs in New Haven, I really don’t want to be out in the cold waiting for a bus that 1) might not come on time, or ever, and 2) isn’t going to drop me off right in front of my house.

In this last week of the challenge, my question to myself is: Can I really make this last week a No Spend week?

You’ll have to stay tuned to find out.

— Ricks


1 Comment

Recap: No Spenduary Week 2

I might have to officially start calling No Spend January/ No Spenduary, Low Spend January/Low Spenduary. If you missed my announcement of this challenge read it here. Check out the first week’s recap here.

Yeah, your girl spent money during week two of this challenge, but this second week was full of revelations. This week, I got very clear on what I absolutely will spend money on and what I won’t.

As much as I love clothes, shoes, handbags, makeup and books, I can resist spending money on those things, and I can stay away from stores that sell them for the most part. This experiment has reminded me that I can make planned purchases in those areas.

For instance, I have a wedding coming up in the spring. I also plan to become more active in my sorority again. All of these are things that require me to dress a certain way. That means a beautiful, well made dress that can take a lickin’ and keep on tickin’ is on the list of things to buy soon.

But one thing I’m not going to do is go hungry when I don’t have to, nor am I going to be ashy, or go without legitimate personal care items.

I ate at home and brought my lunch nearly every day this week, but I caved at a Dunkin’ Donuts on Monday and had a croissant and a small coffee. I was meeting people there for an assignment and I had not had breakfast. A failure to plan is a plan for failure.

I had diligently eaten food I had prepared for the week. Reese can attest to the fact that I almost broke on Thursday when I was hella sick of eating soup for lunch again and wanted to order out. Some of my colleagues saved me later in the afternoon with bread and a slice of pizza. But by Friday I was out of leftovers for lunch and on deadline. I ordered lunch, and I don’t feel bad about it because…life.

I also realized twice during the week that I was not going to be able to go 31 days without some lotion that really worked and some other personal hygiene items, so I spent money in those categories.

I will admit that things get tricky in grocery and drug stores because there are other things like snacks that I don’t need (and foundation because black girl make up problems are real). Impulse purchases happened in both stores this week, and I spent a little more than intended.

As I shared with Reese this week, it occurs to me that this experiment is about more than not spending money. It’s about changing habits. And I think some habits are definitely trying to change.

Though I have spent money on eating out, I can count on one hand how often that has happened and the total spent is less than $20. You might not be able to appreciate that because you don’t know that there were months I spent a smooth $150 on restaurants and fast food alone. I want eating out to be what it should be, an occasional treat, not a means of survival.

Looking back at previous months of transactions, I can see that at times I spent money not only every day, but multiple times a day. In fact, I decided to look back at my transactions from this time last month and it was truly eye opening.

By this time last month I had swiped my debit card 24 times. So far, I’ve only swiped it 12 times. And if that weren’t enough, the amount of time between transactions has lengthened. I spent money on Monday and didn’t spend money again until Friday. For me, that’s a miracle. I don’t want to spend money every day, especially if there is truly no good reason to do so.

I can already foresee that I will spend money during week 3. I need a few items to help my meal plan truly stretch so that I might actually accomplish not eating meals out. There also is a sorority event this weekend that I’m really looking forward to attending which has a cost associated with it. I could stay home, but it’s a good opportunity to make some friends in my new town. There will be times in the future where I will have to say no, but this doesn’t have to be one of those times and I feel pretty good about that.

-Ricks

 

 


2 Comments

Recap: No Spenduary Week 1

IMG_2406 2

These damn bunnies had me caught up. #nomnomnom

The first week of No Spend January, also known as No Spenduary, was the spendiest week, but I’m not willing to declare it a total fail.

For one thing, 98 percent of my spending was within the essentials category — groceries and transportation. During the winter months, I typically buy two, 10-ride bus passes, which are usually enough to get me through a month of work. I employ a combination of walking, biking and riding the bus to get to and from home and to assignments. It’s not always convenient, but it saves a ton of money.

Groceries, however, are an interesting area of spending on which I’m keeping a close eye. I think I’ve said it before, and I will probably say it again, but shopping for groceries isn’t my favorite thing to do — except when I can’t shop for anything else.

It is amazing how much fun meal planning and grocery shopping becomes when I decide that I will not spend money in other areas. In one week, I made three trips to the grocery store. Three!

One of the trips was for  what I’d call legitimate grocery items; the second for snacks that I didn’t need; and the third to pick up something for a dinner to which I was invited. And those trips are not without consequence. I’m just about $3 shy of having spent the $75 I’ve budgeted for groceries this month.

It’s a good thing I bought that ramen. I will be eating it. I also spent money on stamps, which came out of my “Stuff I Will Forget” line item in my budget because, well, I forgot.

FullSizeRender 2

Impromptu lunch out. #notlovinit

And then the unexpected. I got a worried phone call from my landlord Sunday afternoon, urging my roommate and I to evacuate our apartment. There was a possible gas leak, and the house needed to be vacant until the problem could be solved. Did I have somewhere I could go, possibly for a few hours?

Sure. I had my laptop and stuff to do, but I hadn’t really eaten anything but a banana for breakfast. It was lunch time. So off to Mickey D’s for food and WiFi. Now, my YNAB buffer is $8.39 smaller. Boo! And my secondary January challenge — Brokepedia’s zero restaurant spending — is off to a rough start. Hiss!

There was a time that this kind of “failure” would make me feel kind of crappy and I would just give up on the whole thing. But in the wise and sage words of the late Aaliyah, “If at first you don’t succeed. Dust yourself off and try again.”

— Ricks

Are you on a No Spend Challenge this month? We’d love to hear your progress. Share your story in the comments. 


6 Comments

A Too Thrifty Challenge: No Spenduary

giphy (3)

I’m not going to lie.

It’s about to get crazy up in here.

That’s right. I’m doing it again. I know, I know. You’d think I would have learned my lesson after the epic fail that was Oktoberfast.

And you’d be right. I did learn my lesson.

I learned that financial fasting without purpose and reward is a recipe for failure.

I also learned that challenges help me stay motivated and keep my head in the game on this Free By 40 journey. Even when I fail, I just get back up, re-evaluate and move forward.

If I’ve learned nothing over these last few years of digging myself out of this pit is that consistency and persistence pays off. I am the tortoise, but challenges allow me to also be the hare, too.

Plus, the first month of the year is a good time for a budget reset after the frenzy that often is December.

Thus, we have No Spend January, also known as No Spenduary.

The Mission

Spend no money on non-essentials during the month of January. Pay all fixed costs, but keep the essential spending like groceries and transportation to a minimum. That means eating from the fridge and the pantry, and walking and biking as weather permits. Sell anything that you think might turn a profit and freelance, freelance, freelance. Weekly updates. (Might as well keep this blogging momentum going.)

The Goal

Quickly save a mini-emergency fund. Anything above that will be thrown at my next savings goal: a fully funded YNAB buffer by March 31.

The Reward

Given my mindset right now, knowing that my mini-emergency fund is chilling in my bank account is its own reward. But I think my reward for accomplishing my mission will be spending $100 on anything I want.

Care to join me?