Tag Archives: Finances

Money Can Take The Luster Out Of Life

Do you ever feel like money takes the luster out of life?

Money is something people really don’t like to talk about, but we all want money.

We have to get to a point where we get comfortable talking about it and figure out
how we can deal with it and not let it suck the life out of us.

When you’re stressed about money, it shows on your face, it shows up in the
conversations that you have.

Don’t give all of your good energy to stressing over money.

There are things that you can do to alleviate a lot of that stress, like prepare, take
the time to figure out how much money you can set aside every month to use as backup.

Aloha, Janin

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Top 10 Reasons Why ‘Knowing Who You Are’ Is Important

             Top 10 Reasons Why 'Knowing Who You Are' Is Important

1.  You can look at yourself in the mirror and smile with excitement for the day.

2.  Know what you’re really capable of doing.

3.  Have the ability to say YES or NO when you want to.

4.  Make better decisions on a daily basis.

5.  Make better financial decisions.

6.  Feel good in your clothes no matter what size you are.

7.  Feel confident when you meet other people.

8.  Recognize (with honesty) everything that’s going on in your life.

9.  Recognize and receive opportunities when they come your way.

10. Experience and feel joy every day!

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Are You A Shopaholic?

Are You A Shopaholic-I had an interesting conversation with a young bank teller yesterday, and I
would guess that she’s in her early 20’s – she was very open to sharing her
thoughts with me.

As she was working on my financial transaction, I was curious to know if
she managed her money(better) and made better financial decisions because
she worked at the bank.

I’m not afraid to ask people questions if I really want to know something…
so, I asked her if she learned to manage her money better because she
worked there and, if the bank sent her to some kind of training to her help
with her own finances.

She smiled at me and chuckled a little and then said “NO, I’m a Shopaholic
and the bank doesn’t teach their employees any of those things.”

She loves to buy clothes and I completely understand!

Who doesn’t want the latest and cutest style of clothes coming out every
month?  After all, we women need to look stylish, right?  😉

I find that it’s a really common thing among so many women of all ages
in society that don’t manage their money and don’t manage it very well.

Then I asked her how she keeps track of her money and she said that
she just uses the bank app that she downloaded onto her phone.

That is also what other women have told me for the last couple of years
about how they keep track of their money and finances.

Ladies, I don’t recommend that you try to keep track of your money
and finances on an app that you’ve downloaded onto your phone.
(This is my opinion from years of experience helping women)
The amount of hacking that is going on in the world today is just
unbelievable.  I’m not trying to scare anyone, I’m just sharing what
I have seen happen to people.  We all need to be aware of what’s
going on.

I love to ask really powerful questions all the time and I want to ask
you this:

What would happen if you lost your phone or it got stolen?

I know many people who have had those things happen to them.
Life at that moment becames a nightmare in so many ways and I’m
sure you’ve heard of some of those nightmares from someone you
know or know of.

It’s always better to write things down on paper and have a backup.
Many people I know keep track of their money and finances use an
excel spreadsheet, I’m one of them.  I also write everything down on
paper as well, because I like to see things written out – it makes more
sense to me.

Now, I know that an excel spreadsheet scares a lot of people, and if
that’s you, then just use a word or text document instead.  In the excel
spreadsheet that I created, I log in all of my receipts from shopping
(every single purchase) and I do this about every couple of days.  By
the end of the month I have a total of all my spending, which includes
necessities like food, gas, personal care products, etc.

You’ll be amazed what happens when you do this every month.

You’ll start to see where you’ve spent money frivolously and how  much
you’ve spent.  It’s an eye opener for sure!

Of course you don’t have to get all fancy like that with an excel spread-
sheet, just a piece of paper will work well too.

Let’s make our money work for us and not let it slip out of our hands so
easily…by letting the Shopaholic out and free to roam.

This bank teller was so sweet and before leaving, I thanked her for being
so honest with me and that I appreciated her sharing.

I know that talking about those things make people feel uncomfortable,
so let’s start talking about it so that it becomes comfortable.

Aloha, Janin

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Feeling Bad About Your Body At The End Of The Holiday Celebrations?

Feeling Bad About Your Body At The End Of The HolidayCelebrations-

Are you coming off of the holidays and end of the year celebrations feeling yucky?
(yucky is a real word, I looked it up in the Webster’s Dictionary)

Yucky seems to be the only word that really describes what it feels like after
the Holidays.

Just when you thought you had enjoyed the holidays- something crept in to
make you feel yucky because maybe, you ate too much and you didn’t take
care of yourself during the holidays.  Or, maybe you spent way more money
than you had, and you don’t want anyone to know about any of these things.

It happens to the best of us – you’re not alone.

It’s common that many women feel bad about their body after the holidays
especially when they felt like they ate way too much.  There’s so much
temptation with all the amazing food that’s around.  That can make anyone
crazy.

I want to ask you some questions and take a minute to think about it:

  • Do you have bad or negative feelings about your body?

  • Do you find yourself not wanting to look in the mirror
    because you don’t want to see how much weight you
    have gained?

  • Do you find yourself wearing baggy clothes because
    you don’t want people to see how much weight you
    have gained?

  • Are you stressing out because you spent way too much
    money and now you don’t know how you are going to
    pay your bills this month?

The end of the holidays and the start of the new year is not supposed to feel like this.
Right?

How do you feel about it?  Whatever your thoughts are about that, it’s O.K. that’s just
part of life.

If you let it, feeling yucky about those things can consume your life.

Feeling bad about your body didn’t just start during this past holiday season.  Feeling
bad about your body always starts at an early age and I’ve talked a little bit about it
before.

Wearing baggy or oversized clothes is not the solution.

Why would you want to torture yourself and feel bad about your body and how you
look?   

Here is what I want you to put into place because you’re worth it:  Start treating your
body like it’s a gift.  I know it sounds crazy, but just trust me and try it out.

God gave you and I an amazing body and we have to appreciate it and think of it as
a gift.

Just think about all of the wonderful things your body can do – walk, run, give a hug
and so much more.

Turn that torture and bad feelings about your body and how you look upside down
and see what’s on the other side.  It’s the same thing with your finances if you spent
more than you had.

Sometimes we all do things that are not the best for us.  That’s part of being human
and living life.  You have to experience things that are both good and bad, so that
you can learn and grow.  Welcome to life!

Now is the best part… decide what you want.  Do you want to continue to feel
bad about your body and your finances or do you want to work on letting it go?

A word of caution! . . . what ever you do, don’t compare yourself to anyone else
on this planet.  Comparison will knock you down and keep you down.  Remember
that you are unique, there is no one else like you on this earth.

You are special.

Making a decision on what you want is so powerful.  No one can ever take that
away from you.  Yes, it will take work for you to let go and overcome those bad
feelings, but it’s so worth it.

Anything of worth is going to take some work to make it better, and now is a
great time to get started and make that decision to overcome any bad feelings.
Especially since it’s the beginning of a new year and there seems to be a feeling
of hope at this time.

Remember, it’s not worth it to start off a new year feeling bad about your body
and your finances.

I am here to help you with your body image and getting your finances straight.
It is possible to feel good and get things in order.

Please contact me so that I can help you get started today.

Aloha, Janin

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Finances…Something To Think About

One of the greatest stresses that we have in our lives is our finances.

It’s important to think about our finances and how it makes us feel.

 

Leave a comment below and let me know what you think.

How are you dealing with the stress?

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10 Reasons Why You Should Care About What You Wear

10 Reasons Why You Should Care About What

It’s only obvious that everyone has to wear clothes everyday of their life.
What’s interesting about that is the fact that clothes cost money, it takes time
out of the day to care for and manage, and yet it is one of those things that we
don’t give much thought to.

It seems like it becomes somewhat robotic in our everyday life – thus becoming
one more thing that we have to do, which leads to not caring about what we wear.

I want to share with you the 10 Reasons Why You Should Care About What
You Wear:

1.  It shows how you feel about yourself.

2.  When you care about what you wear, it shows in the way that you behave.

3.  It shows in how you interact with other people.

4.  You have the freedom of choice to buy the kinds of clothe that you like to
wear.

5.  You have the freedom of expression to wear the style of clothes that expresses
how you feel on the inside.

6.  Wearing wrinkled clothes will create a nagging thought in your mind about
whether or not someone is going to notice and say something to you about
your wrinkled clothes.

7.  Your hard earned dollars are being used to buy your clothes.

8.  It takes up your time and energy to wash and take care of your clothes.

9.  The clothes you wear can either make you look good or make you look
like you could care less.

10.  When you look good, you feel good!

I think #10 is the best reason of all to care about what you wear, It really
should be the #1 reason.   Who doesn’t want to look good and feel good?

I can’t even emphasize enough how important it is to care about what you
wear on a daily basis.  I have seen all of these 10 things happen to women
for many, many years while sewing for and dressing women of all ages,
nationalities, body types, and with different income levels.

Even with all of the differences that women have in those areas, they still
have the same feelings and desires as the rest of the women around them.

I know that all of these things are true and they do make a big difference
in your everyday life, so I want to encourage you to start to care about what
you wear starting today.

Aloha, Janin
“When you look good, you feel good”

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It’s Time For FASHION!

6:19:15-It's Time For FASHION

It’s time to add the FASHION into the FashionableFianance.com!

For a while now I’ve only been writing, talking and podcasting about
you and your finances.  While learning about your finances is extremely
important, so is fashion (in my opinion of course).

I say that fashion is important because everyone has to wear clothes!
There’s just no way around it, especially when the weather is really
hot and humid and you don’t really want to put clothes on.

I will continue to talk about finances in between all of the fashion
information I share, because…what you wear does have an impact
on your finances!  I will be sharing with you why and how in the coming
months.  So stay tuned!

For right now I want you to know that It’s important to care about
what you wear.

I have a question for you:

Did you ever stop to think about what you wear everyday?

With life being so busy all the time, it’s really hard to get everything
in your life working for you the way you want it on a daily basis.
Fashion and clothes is not always the first thing on people’s mind
when they get up in the morning.  Sometimes I think a lot of people
are like me and are just happy to know that we even got out of bed,
especially when you’re tired and the bed is nice and cozy!

Ok, got a little off topic, but I just had to share that. 🙂

For some, the idea of having to put together an outfit feels frustrating
and then having to do it in the morning is even more frustrating,
especially if you’re in a rush to get ready, get children ready and get
out the door in time.  Oh yah, I forgot to mention all the stuff that needs
to happen in between the getting dressed and getting out the door.

It can make anyone crazy!  I’ve been there, done that.  It’s not fun.
Learning from the past is sooo great, because now I can help other
women with these kinds of things that I’ve gone through as a mother
with 4 children – trying to get out the door. (In one piece)

Learning how to dress and what clothes look best on you can be
simple and fun with some help if you’re open to recommendations.
Most women I know are open to learning what they can do to up their
style.

Who doesn’t want to look good in their clothes, right?

I do know that not everyone is interested in fashion and style, and
that’s OK, you don’t have to be.  BUT, you do have to be interested
in knowing how to dress for your body type, what colors look best
on you and how to make sure your clothes fit you properly.  All of
these things will make a big difference on how you feel while you’re
wearing your clothes.

These three things are the most common areas of fashion and style
that a lot of people don’t know and understand, which ends up in
buying clothes that don’t work for them and a lot of money being
wasted on those items.

I know a few women that have bought clothes because they thought
the items were really nice and they loved the color and oh… it was on
sale and was really cheap, only to hang it in their closet with the store
tags still on the clothes and never, ever has these clothes seen the light
of day again.

Have you ever done things like that?

If you have, it’s OK.  I would just recommend that you ask yourself some
questions, like:

~Are you ever going to wear that item of clothing in your lifetime?

~What did you like about that item, that made you buy it?

~Did you buy it because you were just having a bad day

  and needed to do some emotional shopping?

~Does it fit you right?  If you don’t remember, try it on.

If you don’t know the answers to any of these questions, then I would
recommend that you give it to someone that you know who would really
appreciate it and would fit into it.  Or, if you are ashamed to give it to
someone that you know then consider donating it to an organization that
helps women get back up on their feet and helps them look for a job.

These organizations always need new items of clothing for women to
look professional while they are going on job interviews.  Either way,
don’t hang onto it if you know you will never wear it.

It’ just creates clutter and takes up space in your closet that you could
be using for something that you’ll actually wear on a regular basis.  Believe
it or not, clearing out your closet is one of the first steps to learning about
how to dress for your body type, what colors look best on you and having
your clothes fit you right.

It’s the first step because when you have a closet full of clothes that you
don’t even wear, whether it’s brand new or not creates a place of confusion
and sometimes stress.  I can also bet that at least half of the clothes in your
closet don’t fit you right.

So, as soon as you can, open your closet and see what’s going on in there.
Start by pulling out an item of clothing that still has tags on them, or you
know that you will never wear again.  A little at a time is the best thing to
do, don’t try to tackle your closet all in one day.  No stressing allowed.

I know that if you just start there, you will immediately feel an interesting
kind of relief.  Try it and find out!

A Hui Hou Malama Pono, until next time, take care.

Aloha,

Janin

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episode #017 – Are You A Woman With A Plan?

Are You A Woman With A Plan-

Women usually have a plan for something that they
really want and sometimes they don’t even realize
that they’ve made a plan because it’s been something
that they do naturally and have been doing it for so long,
that they don’t feel the need to have it written out.

Sometimes I think that as little girls we have this natural
ability to see what we want, figure out a way to get it
(a plan) and then go for it – no matter what.

Have you ever watched a little girl playing house, having
a tea party or doll dress up? If you have, you probably
have witnessed that little girl in action: setting things up,
organizing everything and telling her playmates what to do
and, what not to do (some might call it being bossy). I think
it’s pretty funny, her playmates are at her mercy.

Isn’t that how it is as grown women, we continue that same
pattern just like when we were little. The only difference is
is that we have a lot more people that are in our life to
organize (boss around).

Even though that might come easy and written plans are
not required, sometimes having a plan for something
specific and more elaborate requires that it be written
out on paper in order for it to be accomplished.

For example, these are some things that require you to have
a written plan:

*Managing your finances
*Going to college – how much is it going to cost
*Where you’re going to live – how much can you afford to
pay per month for rent or mortgage
*Getting married
*Buying a car through financing
*Travel – taking a trip to Italy
*Growing your spirituality
*Taking care of your health (yes, you need a plan for that!)

The list can be endless, everyone is so different in what they
want and how they want to live their life.

I want to say to all of you women out there, start making plans
for your life that will get you excited. Be a woman with a plan!
There’s something amazing that happens when you actually
write out or draw out what you want on paper. It’s so different
then keeping it all in your head or doing it digitally.

I’ve witnessed some amazing things as I’ve taught students
how to get their ideas out of their head, how to use their imagination
and creativity in all different ways, and all of it was done with
physical objects, not a computer.

My former students have experienced a great deal of satisfaction,
amazement within themselves, a sense of accomplishment and
the confidence that they can do things that may seem hard.

I have a fun suggestion – get some colored pens, pencils,
paints of some kind, crayons, oil pastels or anything else that is
colorful of your choice and just start writing or drawing a plan for
what you want. You can choose whatever kind of paper you want.
This is your plan and you can create it any way you want!

Colors have a way of activating the imagination and creativity.
Who says that a plan has to be on a plain sheet of paper, written
with a black ink pen?

You’re more likely to have success with your plan when it’s on paper
verses it being stuck in your head.
Plan! (with colors) You will be happy that you did.

If you need help with planning or creating a plan for something you
have in your heart, let me know. I will be more than happy to help
you.

Please share this podcast with a friend or family member who you
think would get some value out of listening to the different episodes.
I really appreciate it, mahalo for doing that.

a huihou malama pono, which means – until next time, take care

I would love your feedback, send me your comments or questions.

Make sure you visit www.fashionablefinance.com and leave me a voice
message through the voicemail tab on the right side of the screen.

You can also find me at facebook.com/fashionablefinance.com and
www.twitter.com/janinjohnston

I hope you are enjoying listening to this podcast!

Please share this podcast with anyone that you know of
who will benefit from the things that are in each episode.

Subscribe to this podcast in iTunes or Stitcher Radio,
so that you’ll never miss an episode.

I would really appreciate it if you would give this podcast –
The Fashionable Finance Podcast a rating and review in
iTunes.

Connect with me:  janin@fashionablefinance.com

Mahalo for listening.

Aloha, Janin Johnston

Music by: Dennis Pavao
Song: Ipo Lei Manu
Album: Wale No
Produced by: Pilialoha Production
If you would like to order a copy of this CD you
can send an email request to Pilialoha Productions
at: makai@maui.net

Dennis Pavao-Album Cover

 

 

 

 

Permission was given to use the music from this
artist.

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episode #014 – 5 Reasons You Should Never Go To The Store Without A Shopping List

Aloha, in this episode I give the 5 reasons why you should never go
to the store without a shopping list.

5 Reasons

NEVER EVER go to the store without a shopping list of some kind,
whether it’s written on paper or on your phone and try to limit the
number of times you go to the store.  Here’s why…

1.    As soon as you walk in the door you forget what you
needed to get in the first place.

2.    There’s a whole marketing psychology on shoppers
that the stores use to make every thing you see very
appealing and makes you want to buy it.
(I know because I used to work in retail)

So…. that leads me to the 3rd reason…

3.    You don’t buy what you actually came to the store for.

4.    You end up buying things that you don’t really need.

5.    You spend way more money than you can afford.  And,
a lot of times using credit to make the purchase!

Everything listed above is from experience.  So a few years ago what I
decided to do was to make sure that before I went to any store that I would
write down on a piece of paper the exact thing or things that I needed.  I still
do that to this day.  I make sure that I write my list with a bright colored pen
making the words a little larger than usual – it’s as if the bright words are
reminding me of what I really need.

Now, I’m not perfect.  I have moments that I just feel like I don’t want to write a list
and I go… and I shop … and I buy things that I don’t really need.  But, I learn very
quickly that I should have made a list!

If this happens to you, don’t worry the main thing is that you get back to doing the
things that work, like writing a shopping list on paper or in your phone – which ever
works best for you.

Try it out this weekend and see what happens.  Better yet, try it out for 7 days.

I would love your feedback, send me your comments or questions.

Make sure you visit www.fashionablefinance.com and leave me a voice
message through the Speakpipe app.

You can also find me at facebook.com/fashionablefinance.com and
www.twitter.com/janinjohnston

I hope you are enjoying listening to this podcast!

Please share this podcast with anyone that you know of
who will benefit from the things that are in each episode.

Subscribe to this podcast in iTunes or Stitcher Radio,
so that you’ll never miss an episode.

I would really appreciate it if you would give this podcast –
The Fashionable Finance Podcast a rating and review in
iTunes.

Connect with me:  janin@fashionablefinance.com

Mahalo for listening.

Aloha, Janin Johnston

Music by: Dennis Pavao
Song: Ipo Lei Manu
Album: Wale No
Produced by: Pilialoha Production
If you would like to order a copy of this CD you
can send an email request to Pilialoha Productions
at: makai@maui.net

Dennis Pavao-Album Cover

 

 

 

 

Permission was given to use the music from this
artist.

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episode #009 – Wellness Mentor Kendra Kantor

Kendra KantorAloha, in this episode I interview Kendra Kantor who is a
Wellness mentor and Guide for creative women who suffer
with mental health issues take action toward becoming the
person they want to be and living a life they have created
to enjoy.  Through her completely honest blog posts,
awesome freebies and one-on-one mentoring, Kendra is
here to help you figure out who you really want to be –
while making it all feel like you’re just chatting to your bff!

Her fans and customers have called her “compassionate”
with a “loving nature” and a “gentle guidance and style”
that really speaks to women with mental illnesses.  Kendra
“provides a gentle space where women can be validated,
understood and supported.”

I just loved how Kendra is so brave and honest about her
anxiety that she suffers from.  We all deal with something
in our life, you are not alone.

Connect with Kendra:
~email: hello@kendrakantor.com
~kendrakantor.com
~blog.kendrakantor.com
~facebook
~twitter
Start improving your self worth with her free “I Am Proud!”
journal!  ~kendrakantor.com/proud

I hope you are enjoying listening to this podcast!

Please share this podcast with anyone that you know of
who will benefit from the things that are in each episode.

Subscribe to this podcast in iTunes or Stitcher Radio,
so that you’ll never miss an episode.

Connect with me:  janin@fashionablefinance.com

Mahalo for listening.

Aloha, Janin Johnston

Music by: Dennis Pavao
Song: Ipo Lei Manu
Album: Wale No
Produced by: Pilialoha Productions
If you would like to order a copy of this CD you
can send an email request to Pilialoha Productions
at: makai@maui.net
Dennis Pavao-Album Cover

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