6 Tips for your early 20’s

  1. Relocate to the other side of the world

This is something I did when I was 20. Flew solo to Canada with a two year visa in hand and everything I owned in a pack- and its still one of the best decisions I’ve ever made. I learned how to be independent and rely solely on myself. I learned that I could live off literally no money(but still had money to take a trip every couple months and party a few nights a week… how?!) I learned to put myself out there and start a conversation first because well- what do we have to lose right? And it also taught me how lucky I am to have the family I have. The distance definitely made me appreciate them more, which I needed at that time in my life. ‘Distance makes the heart grow fonder’. I am a firm believer that age is just a number BUT I do think that making a move like this is easier with zero ties/responsibilities/kids/mortgages. Very do-able in your early twenties! I also met my partner overseas that I am still with today. Moving abroad changed my life in many ways πŸ™‚

2. Be a ‘yes’ person

This really can apply to anything. Say yes to taking time off work and going on that road trip. Say yes to a narcotic that you want to try. Say yes to trying a very strange food. We rarely regret saying ‘yes’. If anything as we age i think we’ll have regrets saying ‘no’ to wild and wonderful opportunities that are thrown our way.

3. Move your body

We probably over indulge in a number of guilty pleasures in our 20’s, as were still figuring out our bodies, our metabolisms are most likely at their peak and we also DGAF all that much. But MOVING whether its a workout/jog/walk/hike/swim in the ocean etc. is again something that we don’t and wont regret. As we get older our bodies tend to decline, so lets use this energy wisely now. We are so lucky to be young and healthy. Bounce and backflip around because I doubt we’ll be doing anything remotely active when we are in retirement homes.

4. Go skinny dipping

I hope that I’m skinny dipping when I’m 70. It’s thrilling and fun and feels so free! Our bodies aren’t getting any younger, so be proud of what you have now! Let yo freak flag fly.

5. Don’t overwork

I have been the queeeeen of working as little as possible the past five years. I’ve always made just enough to fund food, fun and flights. That’s all I’ve really desired up until the beautiful year of 2020, #teamnowork. But seriously- I don’t look back at my time and think ‘wow I wish I worked more’ heck no! We are going to be working all of our lives peeps. Absolutely choose exploring, meeting people, having boozy long lunches > doing overtime.

6. Tell your loved ones that you love them

We can’t tell people enough how much we love and appreciate them. The limit does not exist!(Mean girls ;). When they’re gone, holding back our words and feelings is a regret we’ll have! When you love someone shout it from the damn rOoOoOfToPs. Tell your loved ones how you feel, compliment them and hug them. There is nothing more important than human connection and letting people know they are loved. Express yo’self.

7 Things I learned during dry July

31 days of zero booze. Considering what has been consumed during this Covid period this was probably harder than normal. Is there anything better than a red during winter? Ooooooh aren’t we so lucky to have alcohol. So enjoyable and such a good time(when consumed with discretion :p)

In saying all of that though, it has been a really good detox. Something I want to avoid is burning out too early in life. I feel pretty passionate about health at the moment. I really want to take care of my skin as it ages and keep my body as hydrated as possible. Its pretty amazing how adaptable and resilient our ‘homes’ are- they deserve to be looked after.

1. You realise who your supportive friends are

This is definitely true. Hola to those that donated and gave me praise. I hope I’ve never made any of my mates feel uncomfortable due to not drinking, saying no to a drink etc. And I’m absolutely going to be more cautious of this now!

2. Drinking is expensive

SO IS SOFT DRINK!!!??? Lol, but yes alcohol is for sure double the price. It was probably a blessing not drinking during July as I definitely didn’t work a whole lot. It is crazy what they can charge at pubs for softdrinks, $5.50 for a soda water… suuuuuure. Had one or two fizzy drinks then i’d jump on the waters. WooOOoOo rager. It’s pretty insane that a few hundred dollars can be spent over a weekend on the piss.

3. Better for skin health

For myself, absolutely. I felt hydrated the whole month and skin was noticeably more plump. Alcohol really encourages the rosacea on my undereye area and adds some heat to my skin as well. Sandpaper lips vibes after a late night drinking. None of that in July.

4. Fresh mornings

I don’t really think I get horrible hangovers anyway, but the alertness every morning during the month felt great. Also slept really well majority of the month. I for sure have more of a broken sleep/earlier mornings when I am on the drink.

5. Better food choices

I think I remember just about everything I ate during this past month. Alcohol absolutely encourages my appetite (hate going out without eating) so i’d normally be having a big dinner and coming home with pizza 5 hours later. Health. Wealth.

Consumed less(crap) for sure, so many calories in certain beverages also. But hey its worth it every now and then.

6. More active

I have been using a habit tracker the past few months and its been really helpful when it comes to staying on track. 100% was more active as well as productive in July compared to the month of June. Only had 4 ‘less active’ days in the whole month and that’s pretty damn good for me!

7. Drinking activities are F.U.N

So many things are more enjoyable with a drink on hand. Full stop. and was still happy to be in a social setting without a drink. My partner and I did this together and im so glad, would be really hard not give in without the support!

If you’re thinking about it, do It- but have someone to join you. Drinking is a really good time and a very ‘social’ hobby. But it was also reassuring to know I am comfortable in a drinking atmosphere sober. Apparently our cells renew every 4-6 weeks. How cool is that. Alcohol free cells/body after a month, it really is so refreshing to take sometime off every now and then. It doesn’t have to be July either! Everything in balance brings us best results. Just being more consistent with the healthier side of things majority of the time πŸ˜›

5 Tips to save for trips

It feels kind of ironic writing a blog about something ‘finance’ related due to the ‘rona and being semi unemployed myself… lets ignore that though πŸ˜‰ here are 5 tips that have helped me save money QUICK in the past, enjoy!

1. MOVE BACK IN WITH YOUR PARENTS

If you’re wanting to save for a longer trip I would highly recommend this. The money us millennials spend on rent is CRAZY! So if there is a way to cut your rent in half(or maybe you’ll be lucky enough not to have to pay anything at all) definitely make the move. Even if its only a few months. Probably not the most ideal situation for most of us but hey- its only temporary. Parents are generally super on board when it comes to helping us achieve goals like this anyway, I know mine are!

2. START SAYING NO

Unfortunately, especially with funds; we cant have our cake and eat it too. We really need to prioritise what’s important, and in this case its having enough coin to feel secure going away with! Going out every weekend isn’t going to impact our bank accounts in a positive way. Just say no. Your true friends will understand. Obviously don’t become too anti-social, but being home means you aren’t spending money(also say no to online shopping). Suggest different ideas to your friends, do a workout in a park together rather than paying for a hefty spin sesh, go on a picnic, invite friends to yours for a few beverages, visit a free museum etc. Do anything but go out for food and drink.

3. PACK YOUR LUNCH

This does go hand-in-hand with tip 2. But I’d say in Australia its not often you could buy lunch for under $15. A standard 5 day work week you’d be spending $75 on food… that’s a zip lining tour in NZ! If you didn’t buy lunch during the week for 6 months you’d save $1,800… return flights to South America! You get my gist. It adds up. Lunches are so easy to make and generally a lot healthier than what you’d purchase out anyway. Less take out bought also means less landfill. Beneficial for your wallet and the environment. Sold.

4. WALK MORE

Whenever you can during this ‘saving period’ do whatever you can to walk from A to B. This may not always be possible depending on where you are living, climate etc. But walking costs nothing and is so valuable for our health. If you have the time try to avoid driving/paying for public transport/Uber. And I would say you’ll be doing a mass amount of walking when you head away so this will prepare you for what is to come. More walking= more time to listen to travel related podcasts like my millennial money. Exercising + learning = winning.

5. HAVE A BUDGET AND STICK TO IT

Probably the hardest task for us all… but probably the most rewarding. Sticking to budget you’ve promised yourself you’d stick to does wonders over time. Determine a realistic figure you can put away weekly, whether its $100 or $500. Just make sure you do this consistently. No if’s or but’s about it. Don’t cave for anything. It’ll be so worth it when you’re on the tarmac about to take off to your dream destination. You’ve got this!

What encourages you to save? What tips would you add to this list? Even ways to save money whilst travelling? Would love to hear πŸ™‚