Your Finances

You know why you’re lazy and all corners of the internet will tell you why you should go green. Do you know why you are broke, though?

Do you even know how broke you are?

Take a moment and write out your income. Then write out your savings, if you have one. Next, list your debts. Finally, categorize your monthly expenses – necessities versus fun, fixed versus varied – which ever way gets you to clearly see what your finances are trying to tell you.

Knowing how broke you are and why are the first steps in not being so broke.

Now, how to deal with being broke? You can go green by buying less. You can borrow, make, swap for something you need….if you are sure you really need it.

Really review every purchase. Did you buy coffee just that one time to treat yourself, or did you block out the three times you ran out quick for coffee because you were late or tired? Be honest with yourself about your finances, no one else out there is.

Buying less is good for you and the earth. What about the economy? Well, if the economy runs only because you buy plastic crap and junk food on a whim, I’m worried succeeding isn’t really success then.

I’m one of those people who can’t quite see how to trim my expenses anymore. I don’t own a car, can’t move to a cheaper place yet (if I can find one). I don’t shop for fun, buy stuff online, or eat out much. I cook and shop in bulk. At some point you can’t cut anymore. At that point, if you are still in dire straights, it’s time to up your income. Besides getting a new, better paying job (as if those were just lying around) dog walking, event food servers, working in a cafe or grocery store can all be part-time gigs. Yes, working 50+ hours a week can suck. So does living in uncertainty from paycheck to paycheck.

The detour to obvious suggestions may not have been necessary, but being aware that there are options out there is.

First things first, know how deep the hole is before you try to climb out. The best place to start is at the beginning. When you get overwhelmed, go for a walk. That is always free.

“Smile, breathe and go slowly”. – Thich Nhat Hanh

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