The $1 Menu Is the Quickest Way to Being Broke – 5 Lies That Keep You in Debt

We all have those lies, large and small, we tell ourselves to justify why we do the things that we do. The reality is, however, that every single decision we make is either helping us or hurting us. There really isn’t much grey area there. Whether we choose to acknowledge it or not now, really doesn’t matter. Our long-term financial standing will inevitably show us what we found important during our short-term decision making.

5 Lies That Keep You in Debt

1. I deserve it.

Do you work hard? Of course you do. Do you deserve to indulge every once in awhile?  Maybe. The question is, however, whether a new dress is really worth you staying in debt? Sometimes you may need to ask yourself, “As much as I deserve… don’t I deserve to be debt free even more?”

If you answer,No, I deserve to work my entire adult life and still end up with nothing at the age of retirement,” then continue on. Buy all the dresses you want. Remember It’s the constant conversation you have with yourself to justify unnecessary spending on an ongoing basis that hurts you.

2. But, this is an emergency. . . isn’t it?

Let’s be clear about what emergencies are. Merriam-Webster defines the term emergency as “A serious, unexpected, and often dangerous situation requiring immediate action.” With that being said, dipping into your emergency fund for items that you were fully aware were coming up is not an emergency. It’s important to make every expense a line item on your budget, even those things that are quarterly or annual expenditures such as car registration or dues.

3. It was on sale!

We’ve all fallen for this one at one time or another. The reality is most people are in debt because of stuff. It’s impossible to get out of debt if you are committed to buying more and more stuff instead of truly being financially free.

One way to avoid this trap is to stop walking around the mall and “window shopping” or curtail online shopping. Perhaps it’s time to unsubscribe from tempting emails with the “great deals” in your email box  or texted to you each morning. Instead of convincing yourself that you’re saving, begin to ask yourself, “Do I really need this?”

Remember that buying something you don’t need is never better than saving money for your actual needs.

4. A couple of bucks won’t hurt.

I heard someone say once that the $ 1 menu is the quickest way to being broke. It’s the small charges that add up and inevitably break the bank. I have more clients that get caught up in $ 34 overdraft fees for a quick $ 5 swipe at the gas station than anything else.

Again, it’s important that even with the small purchases, you ask yourself, “Do I really need this?”

5. If I made more money, this would be easier.

No it wouldn’t. Without discipline, you could double your income and still have tons of debt and no savings. Don’t assume that more money is the answer. We’ve all heard of the entertainers, athletes and my favorite, lottery winners, who end up flat broke and in deep debt despite having access to tons of money at one point.

Wealth is about a mindset. No matter what your financial goals are today, get real with yourself.

-Editor’s note: This post was updated from its original publish date in 2012. 

 

The post The $ 1 Menu Is the Quickest Way to Being Broke – 5 Lies That Keep You in Debt appeared first on Black Enterprise.

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Your HelloGiggles horoscope, April 7th to April 13th: Deep soul-searching is on the menu

Your HelloGiggles horoscope, April 7th to April 13th: Deep soul-searching is on the menu


Your HelloGiggles horoscope, April 7th to April 13th: Deep soul-searching is on the menu

This week will be quite an interesting one. We are simultaneously deeply anchored in dreams and bliss, while also hyper aware of our responsibilities and limitations. We’re still very much bathing in romance, though, and we’re being asked to compare reality and our dreams, a theme that was initiated last week with the new moon in Aries.

We’re being asked to plunge into unconditional love, unconditional self-love, too, but also to be super realistic: What are the obstacles in your way? What are you going to do about them? Are you going to give up, or give it a good fight?

The end of the week will trigger a lot of soul-searching and revelations about our darkest shadows—it’s most definitely a transformative week during which tough truths will be told.

Here’s what else the stars have in store for your weekly horoscope.

ARIES

This is a bit of a confusing week for you, Aries, as you’re truly searching in the deepest parts of your soul. It’s a week during which you should focus on your creativity, your imagination, and your dreams—actual or symbolic. Now is a good time to listen to music, journal, meditate, or start a yoga class. It’s a week focused on self-improvement and self-knowledge

TAURUS

This week is all about being out and about once again, Taurus. You’re feeling more social than usual and more keen on building relationships with people, online or IRL. It’s a good time to develop your artistic skills.

GEMINI

Gemini, things have been a bit confusing for you lately. Your mind and heart can feel like they are constantly battling with each other, and it has been a journey for you during these last weeks to learn how to reconcile both. You have a lot of energy, though, and you can actively seek to accomplish goals and tasks. It’s a good time to get a lot of work done.

CANCER

Cancer, it’s been all about work lately, but you might feel like there are a lot of limitations on your path that seem to frustrate or delay you. You’re at a critical time for your personal development and career, so keep pushing through.

LEO

This week is a bit uncomfortable for you, Leo, but highly rewarding. You’re being asked to do deep psychological work, and as you’re working hard at shifting your mindset and perception, you’re discovering a lot of things about yourself. Get really intimate with your loved ones and with yourself.

VIRGO

A lot of relationship energy going on for you this week, Virgo. Spend time reflecting on boundaries, on how much of yourself you give to others, and how you can perhaps lose your sense of identity by having too-loose boundaries. It’s also a very love-oriented time for you.

LIBRA

Relationships are in focus for you, Libra, and you’re trying to find not only your balance, but also a sense of peace, routine, and organization. You’re testing out how to find a sense of health and peacefulness while exploring further your relationships. It’s likely you’ve been feeling imbalanced in the past weeks, and this week is all about finding your center. It’s a very emotionally healing time for you.

SCORPIO

Scorpio, this week is all about feeding your soul and what brings you joy, a la Marie Kondo. Throw away everything that doesn’t spark joy. It could be a time of great romance for you—relationships are highlighted, so let your guard down temporarily for a bit of bliss.

SAGITTARIUS

A very mentally restless week for you, Sagittarius. You have a lot of energy to dedicate to your goals, but you may also feel like your mind isn’t as clear as it usually is. Nurture yourself, especially mentally. Pay attention to your thoughts.

CAPRICORN

This week is very work-oriented for you, Capricorn (when isn’t it, really). It’s a good time for you to get really serious with money goals. You can be more visionary and imaginative than usual—let go of the rational thinking for once and let your softer side prevail.

AQUARIUS

This week is about you, you, you, and you, Aquarius. You’re really focusing on yourself, on improving yourself, and on connecting to your inner world. It’s a time of deep reflection for you, and you’re being called to pay attention to your emotions, to the sensations in your body. This week you might be more introverted than usual, so focus on a good ol’ self-care routine.

PISCES

You’re all about understanding yourself and navigating yourself lately, Pisces, and this week is a really good time to focus on self-love, unconditional love, self-acceptance, and forgiveness. Your heart is wide open, and you can actually get a lot of your desires accomplished if you focus on connecting to your heart.

More forecasts and astrology from me on www.lookupthestars.com.

The post Your HelloGiggles horoscope, April 7th to April 13th: Deep soul-searching is on the menu appeared first on HelloGiggles.

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Costa’s festive menu is here and it’s exactly what we want for Christmas

There’s so much more to it than gingerbread lattes

costa christmas menu
Credit: Costa

The countdown to Christmas starts that bit earlier every year. Halloween is still weeks away and yet we’re already pining after the best beauty advent calendars and shopping for these amazing Harry Potter baubles.

Oh, and have you heard about the Aldi chocolate wine? We’re already planning to stock up when it goes on sale.

But things aren’t stopping there. Festive cheer – and menus – are cropping up everywhere, and Costa has just released a list of their own merry offerings, and we can’t wait to try it all.

Making a comeback this year are the black forest hot chocolate and the gingerbread and cream lattes, alongside some new flavours including caramelised orange and cream, hazelnut praline and cream, and gingerbread and cream – all of which are available as hot chocolates or as lattes.

costa christmas menu

Credit: Costa

Customers will also be able to get their hands on a luxury hot chocolate, described as ‘small but beautifully formed rich, dark and decadent.’ Fancy.

For coffee lovers, there will be a festive roast blend to sing to your tastebuds, but if you’d prefer something a little different you could try the new hot spiced apple or hot caramel drinks on offer.

costa christmas menu

Credit: Costa

There are also some sweet and savoury treats available, such as gluten free vegan mince tarts, gluten free vegan iced fruit slices, gingerbread and sticky toffee wreath cakes and clementine drizzle loaf cakes.

Plus a special mention to the pigs in blankets mac’n’cheese. Drool.

And let’s not forget a rather extensive variety of Christmas sandwiches, which also cater to veggies and vegans, will be hitting the shelves, fan faves being the Christmas cheese board panini and the veggie Christmas lunch wrap which includes sweet potato falafel with Wensleydale and cranberry cheese and spiced plum chutney.

The menu, as well as the Costa Christmas themed cups, launch on November 1st.

We’re ready and waiting…

The post Costa’s festive menu is here and it’s exactly what we want for Christmas appeared first on Marie Claire.

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