Join the “no-resolutions” movement.

You’re probably already seeing the same old shite you see every year on social media and on television centred around generic New Year’s Resolutions.

Lose the holiday weight! Stop drinking for January. New year, new me! 2020 is going to be the year I ……*enter generic resolution*

I’m not saying that any of these are a bad idea, particularly, but are they relevant for you? These are the things we tell ourselves we “should” do but they are so general not really tied to any long term goals. So often, this is why we “fail”. We join the gym because it’s January and we have been told to lose weight because we ate too much over Christmas and not because feeling stronger or faster will be beneficial to our overall wellbeing. 

I think there is a better way to plan for the year ahead and get what you want out of it.

Reflect

This time of year, in between Christmas and New Year, is a perfect time to check in with yourself and reflect.

In a world that seems increasingly chaotic and full of obstacles waiting to trip you up, it’s easy to feel lost and confused or like you are just sleepwalking through life. Life can get really overwhelming and Christmas especially can be a stressful time with expectations and comparisons at an all time high. So schedule in some “me time’ wherever you can manage to squeeze it in, turn off your phone and check in with yourself.

This can look like anything you like. You could take an evening to yourself and go all out; have a bath, light some candles, meditate and journal. Maybe you take a nice long walk and then sit in your favourite cafe with your notebook or your laptop. Whatever feels good for you, just carve out a day/half day/couple of hours to spend some time alone, reflect on the year and how you are feeling as we start a new one.

Use your alone time to look back on 2019 and ask yourself a few questions:

  • What went well this year?
  • What didn’t go so well?
  • What do you want more of?
  • What do you want less of?
  • What made you feel proud?
  • What are some of the best memories you made?

Visualise

Go way beyond 2020 and think about what your overall vision for your life is!

It’s easy to get caught up in the day to day and forget the big picture stuff so try to zoom out and think about your overall wants and needs. I love to do this visualisation exercise every year to really get me into the right frame of mind and thinking long term.

Close your eyes and think about the kind of life you want for yourself, the life you want to be living in five or 10 years’ time. 

  • Where are you? 
  • Who are you with? 
  • What kinds of things are you doing together?
  • What do you talk about?
  • What does your typical day look like? 
  • How do you spend your time?
  • What do you do for fun?
  • What is your environment like?
  • What gives you purpose?
  • What gives you personal satisfaction?

Write it down.

Now, think about what you need to do to be able to live that for real.

  • Do you need to earn more money?
  • Do you need to invest in your education?
  • Do you need to find more people who have the same hobbies as you?
  • Do you need to repair some relationships in your life?
  • Do you need a bigger support network?
  • Do you need to move to a bigger/smaller city?

When we set goals based on other people’s idea of what we should be doing, we find it harder to get motivated or stay on track and we feel bad about ourselves. When we set them based on our own specific needs and wants, we feel more confident, more motivated and are less likely to compare ourselves to anyone else. Your goals should be getting you closer to the life you want, not some arbitrary list of things you “should” be or have.

Take Action

Now that you have a handle on your long term goals, break those down into manageable short term objectives.

What do you need to have done by the end of the year? By summer? By the end January?

Is there something you can do today, right now, that will start you in the right direction? Maybe you want to do a course in a topic you are interested in. So, today you just take the simple step of searching some websites or colleges in your area that do this course. Then perhaps tomorrow you get in touch with them to ask about the application process. 

You might be thinking about getting back into a sport you used to love so you could start there. Find somewhere locally that you join a class or a club. 

It can be scary, at first, breaking your routine to do something new but it’s so worth it! You deserve it.

The end of the year is a nice time to reflect for most of us as work and life slow down for the holidays but it can also be a difficult time so don’t feel pressured to have or be anything in particular. I also like check in on my birthday or the anniversary of moving to London (or whatever city I’ve decided to uproot my life for at the time) because they are significant markers of time in my life as well. You don’t have to have your shit together just because it’s January! And you also don’t have to wait til Jan, just make a decision and start today.

Resources:

Listen: Conversation with YogaGirl – Rituals to Set New Years Resolutions https://www.yogagirl.com/podcast, Affirmation Pod – Motivation for your best 2020 http://traffic.libsyn.com/clean/affirmationpod/228_Motivation_for_Your_Best_2020.mp3?dest-id=291603

Watch: Lululemon Guided Visualisation –https://www.youtube.com/watch?v=3xM_Ztreqjg&feature=youtu.be 

Your End of Year Financial Audit

Now is the perfect time to take stock of your finances before we head into Christmas and a brand new year with brand new goals.

Before you can set yourself some money objectives for 2020, you need a clear picture of where you are right now.

A really useful tool I use is the MoneyGirl (Laura Adams) “Personal Financial Statement.”

Basically, you create a simple table of all of your assets and liabilities and the number you come up with at the end of your ‘Net Worth’.

Net worth: For individuals, net worth or wealth refers to an individual’s net economic position, the value of the individual’s assets minus liabilities. Examples of assets that an individual would factor into their net worth include retirement accounts, other investments, home(s), and vehicles. Liabilities include both secured debt (such as a home mortgage) and unsecured debt (such as consumer debt or personal loans). Typically intangible assets such as educational degrees are not factored into net worth, even though such assets positively contribute to one’s overall financial position. (Wikipedia)

Full disclosure, when I first did this about two years ago my Net Worth was about -£10,000. I had no savings, barely anything in my pension and debt in the form of two loans, a credit card and an overdraft. It’s now in the plus and while it’s still not a lot of money, it’s a HUGE difference and I love watching it grow every month. Getting organised and setting goals is the first step.

No matter how bad your finances are, it’s only temporary. Any sacrifices you make are temporary. You will come out the other side and you will be happy that you took control.

Here is my interpretation of the statement- just a simple table to input your totals. Use a formula to add total assets and total liabilities and then another in the net worth column where you minus one from the other. 

Personal Finance StatementNovember 2019
Assets
Sinking Fund
Travel Fund
Stocks and Shares ISA
Lifetime ISA
Pension fund
Asset Subtotal
Liabilities
Overdraft
Credit Card
Mortgage
Liability Subtotal
Net Worth(Assets – Liabilities)


One money objective – 


Financial goals in 2020
1.
2. 
3.

Your net worth is a good benchmark for tracking your financial progress and goals towards retirement. Do not worry about this too much when you are starting your debt free journey and don’t compare yourself to anyone else! Your finances, like everything else, are personal to your situation. 

Once you have worked out your assets and liabilities, think about what you want to achieve with your finances in 2020. Maybe you want to pay down debt or save for a house or another big purchase? Maybe you want to maximise your money by investing?

To keep you on track, set yourself an intention or a money objective that will inform the rest of your plans. 

Then, to make sure you are actually going to be able to achieve this, set yourself some goals for the year. 

  • Pay off XXX in debt
  • Save XX for XX
  • Increase income by XX

Keep coming back to your “why” whenever you are tempted to overspend or dip into your savings. Is this purchase going to get you where you want to be or is it getting in the way of you reaching your long-term goals?

Once you know what you’re working with and where you want to be in 12 months time, then it’s time to make your budget for the holiday season and the year to come.

Now is also a great time to review some of your expenses to make sure you are still getting the best deal for you.

Some items to look into:

  • Insurance – car, travel, home, contents
  • Gas and electricity
  • Internet
  • Mobile phone

Another area to look at while planning is your savings account. Are you getting the best interest rate? You could be missing out on money by leaving your hard-earned savings in an account with a low interest rate.

Setting your 2020 goals before Christmas will (hopefully) have them in front of your mind and help you to curb any overspending. 

Coming soon – a guide to a low cost, low waste Christmas that should help you minimise spending and stay on track for your money goals.

Low waste (and low cost) skin-care swaps

In my quest to create less waste and spend less money, I’ve actually discovered several skin care swaps that have my skin feeling better than ever.

Ice roller -> lavendar infused ice cube

Ice rollers or jade rollers have been popping up on social media a lot of late with beauty bloggers swearing by them. The supposed benefits include

•reducing puffiness

•increasing bloodflow

•reducing appearance of pores

I have no idea if any of that is based on fact but I kinda loved the idea of rolling something cold all over my face! 🤣

A “sustainability influencer” suggested making your own by adding a drop of essential oil into ice cubes so I tried it and loved it. I use it every morning now. It helps me wake up and I feel like it reduces any puffiness. Also, smells amaaaazing. Cheap and easy to do but it feels like a luxury!

Oil-based cleanser -> Almond oil

Every night, I remove my makeup up (which is typically just tinted moisturiser and mascara these days) with Sweet Almond Oil and a hot face cloth. Just work the oil into your skin for a minute or two and then remove with a face cloth (mine are bamboo)you’ve run under the hot water tap. It’s dreamy!

After that, I wash with a facial cleansing bar to make sure my face is properly clean.

Then, cos I’m fancy AF, I spritz my face with some Rosewater.

Serum -> homemade oil blend

Instead of a super expensive serum, I made my own blend of Sweet Almond Oil and Argan Oil (50/50) with a couple of drops of frankincense. I read that frankincense has anti-aging properties and I have no idea whether or not that is total bullshit but it smells good and I cross my fingers!

Homemade scrub

Once a week, I exfoliate with a homemade honey and brown sugar scrub.

It’s so cheap and easy to make and if I accidentally get any in mouth, it tastes fab!

Homemade body butter

For years, I just used Palmers Cocoa butter and it was the only thing that I felt worked. I have pretty dry skin especially here in London where the water is really hard (I actually really miss the humidity of Taiwan!).

That was until I tested out this recipe that I came across on Instagram over the Christmas holidays.

You take equal parts;

• Shea butter

•Cocoa butter

•Coconut oil

Put them in a glass bowl and place over a saucepan of water. Boil the water and wait for your mixture to melt. Once it’s melted, let it cool for a few mins and then pop it in the freezer to solidify it a little. When it’s started to solidify around the edges, take it out and use a whisk to whip it up. When you have a nice fluffy consistency transfer it to a jar. I use a salsa jar because I eat chips and salsa at an alarming rate and always have a ton lying around my kitchen! You can also add a couple of drops of essentail oil if you want to make it scented.

Tranistioning from “normal” moisturiser to oil did cause some breakouts for a couple of weeks but I’ve now followed this regime since last summer and my skin is happier than it has been in years!

Let me know if you try any of these and how you get on with them.

Breaking Up With Fast Fashion

 

What’s in your wardrobe?

It’s time to break up with fast fashion and here are some of the top reasons why:

  • 10% of global carbon emissions come from the fashion industry, which is more than shipping and aviation combined!!
  • 77% of UK retailers believe there is a likelihood of modern slavery in their supply chain

First, take stock.

The thing is – you probably don’t need any new clothes. You likely have lots of beautiful items in your wardrobe you have forgotten about so, have a look in your wardrobe and fall back in love with what you already have. 

If you are feeling overwhelmed by the number of clothes you have, spring is the perfect time to cull your wardrobe!

Get everything out and pile it all in one place, Marie Kondo style, and sort it into categories:

  1. Keep – pretty self-explanatory! These are the clothes you love to wear often.
  2. Repair – many items in your wardrobe can be revived by fixing a zipper, letting a seam out or having the hem taken up. About once a year, I go through my wardrobe and see if there is anything that needs repairing.
  3. Sell – make some extra money by selling things with tags that you are never going to wear or some of your more high-end items that will get a good resale price on eBay, Schpock or Depop.
  4. Donate – for clothes that are in great condition, consider donating them to a charity shop where they can be resold. For things like winter coats and warm clothes, you might want to donate those to your local homeless centre. For torn or unwearable clothes, you may be able to donate them to animal shelters where they can be used as bedding for the animals. When in doubt, give the charity a call to see what they can accept.
  5. Recycle – for anything you can’t donate, find a local organisation that can properly recycle them like Terracycle.

Find a uniform……and then add your personal style

A lot of highly successful people have a ‘uniform’ that they wear every day. Mark Zuckerberg wears a grey t-shirt and jeans. Steve Jobs always wore black turtleneck and jeans. Arianna Huffington is a huge advocate for work uniforms and ‘repeating’ outfits.

If you find deciding what to wear in the morning causes you stress or you just can’t be bothered with the extra steps, a work uniform is a great option. (And if you’re lazy like me, you might also have a non-work uniform!). There is a lot to say for creating a capsule wardrobe of good quality basics that last a long time and fit well. For more on creating a capsule wardrobe, check out Project 333.

Simple, basic and capsule might sound kinda boring but they really don’t have to be. You can make any outfit more interesting with your choice of accessory(ies). Lipstick, jewellery, sunglasses, glasses, hair accessories, nail polish.

Slow fashion

Last year, I started seriously thinking about the impact our fashion habits have on our mental health, our finances and the planet. After watching The True Cost on Netflix, I couldn’t be willfully ignorant any more and I knew that I needed much more sustainable habits, both for my bank balance and for the environment. And as a proud (loud!) feminist, I also knew that the primarily female garment industry was exploiting women in low-income countries.

1 in 6 of the world’s workers are employed in the fashion industry and around 80% of those workers are female.

In January 2019, I finally made the choice not to buy any more fast fashion. So what are the alternatives?

  1. Repair what you have – there is a growing “mending” movement online and you can find amazing tutorials and inspiration.
  2. Swap with and borrow from your friends 
  3. Buy second hand – there are so many secondhand clothing resources in the UK.
  • Charity Shops – you’ll find these on any high street and some bigger organisations, like Amnesty International and Oxfam onlines stores as well.
  • Vintage – there are a lot of incredible and affordable vintage stores like, Rokit .
  • Peer-to peer – buy and sell pre-loved items on apps like Depop, eBay and Schpock
  • Secondhand designer – Vestiarie Collective is my newest obsession – full of beautiful pre-loved designer clothes.

4. Sustainable brands

When buying new clothes, have a list of questions you ask yourself:

  • Is this an ethical brand?
    • I use an app, Good On You, which rates brands on their Labour, Environmental and Animal policies.
  • Is this item going to last a long time?
  • What fabric is this item made from and can it be recycled?
  • If you feel the impulse to buy something, wait 30 days to see if you still want it. Instagram makes EVERYTHING look good and half the time, you will totally forget.

Be aware of “greenwashing”

Companies are aware of the emerging demand for more environmentally friendly and ethically sourced goods. Many will throw in terms like ‘sustainable’, ‘ethical’ and ‘vegan’ into their marketing without any transparency. These terms have no legal definition and absolutely no accountability. I’ve found Good on You to be a great resource for sorting through the bullshit.

Read: Project 333 EcoAge , Mending Matters

Download: Good On You app, Depop app

Follow: @fash_rev @venetiafalconer @ajabarber 

Watch: The Patriot Act with Hasan Minhaj – The Ugly Truth of Fast Fashion, The True Cost