Why I don’t buy a whole bunch of stuff

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I may be one of the “Joneses“, but I certainly don’t keep up with the Joneses.

I’ve never been a big consumer, shopper or trend follower.  That is not to say that I do not or have not had any luxury items, because I have.  I’m not a big consumer type. It’s just not me.

However, paralleling off of my creating extra income series, I’ve decided to take it up one notch towards simplicity and practical living. Before I had a family, I was a jet setting type of girl who could fit most of her important things in a bag or two. I spent a lot of money on experiences versus things. This damaged my savings.  Now with a Husband and daughter, I’ve encountered the opposite: a tendency to spend more on things. Hence, why I am putting a little more of firm hand on the pocketbook.

I’ve decided to center in on mindful purchases. If it can be bought second hand, we do. If we can go with out that thing, we do. If we can lower our standard of living, with a specific goal in mind, we adjust.

Work + Buy + Repeat = Slavery to “stuff”

Reading the Millionaire Next Door for the second time has reminded me how much I have messed up; economically and financially in the past. Not only did I have a free ride to undergraduate school and STILL manage to get into student loan debt (obtaining study for a profession I have never used in my life) from graduate school prematurely, I never saved as much as I could no matter how much I earned.

Re-reading that book has helped to renew my mind towards the reason as to why I have kept frugal habits and need to not ever revert to a comfortable, over-consuming suburban citizen.

Living a life of over-consumption feels empty and robs you of time and freedom that you can have doing more of the things you love in the future.  Choosing to live in economical simplicity allows you to build wealth, gain more time and my favorite: make money work for you.

According to the author, Stanley, many Americans are living and working to pay for things. They are working for money instead of making the proper lifestyle adjustments to make money work for them.

The quickest ways to build wealth from his studies are such:

Forget the “save 10% or pay yourself 10% first” 1950’s saving tip. He advises to adjust your standard of living down to 1/3rd of your income. Save 50% of your income in order to accumulate wealth.

Invest in major investments. Investment accounts paying dividends, 401K’s, stock, virtual currency (Bitcoin…. yas!) etc. Instead of financing or leasing a car, pay your savings or an investment account of your choice that money. Concentrate on generating investments that bring in returns instead of liabilities such as high cell and cable bills, car notes, store credit cards and high interest rate mortgages.

Live seriously below your means. Stanley and his partner found that the most common millionaires do not look like millionaires at all. They drive economical cars that aren’t flashy, live in an average middle class neighborhood, their children typically stay in public school… hell, they may even bike to work everyday.  Those who are truly wealthy do not look rich, because they actually are rich in the real world sense of net worth.

I know that the real characteristic of accumulating wealth is wisdom and simple living. We don’t have too far to go in that aspect, my Jones family and I, because we are pretty frugal to begin with.  We are a one car family (and even to this day I regret us financing a 15K vehicle), my husband occasionally bikes to work, we don’t have cable, and we shop thrift. I know that we can improve more to increase our savings and supercharge our investments and businesses by eliminating our student loan debt and riding ourselves of that financed vehicle.

The only thing that I do not like about living a lifestyle tailored to accumulating true wealth is that people look at what you have now and judge you. It’s not that I give a damn enough of what people perceive about me enough to get into debt and kill my savings account, it just saddens me that people are like that. I find this more common among black people. Many are notorious for basing you off of what you drive, where you live and if you’re wearing designer clothes.

I may be biking to work or driving a beat Toyota, but I do so by choice and that says nothing about who I am. I know where I am going.




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Work anywhere with Paradigm 9, LLC

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We can spend all day talking about how to maximize the use of your time, how to increase productivity and reach your full potential. However, without practical information that you can put into use it is hard to understand how it can be done in your situation.

I receive many emails about how to manage time when having to spend all day a jobs that do not align with their gifts and how to free up time to explore the gifts that have been out of touch due to inactivity.  It is so easy to say: “create a business and work for yourself. Do you.”, but it is not as easy to actually get those actions successfully in motion.

I have an opportunity to suggest to those who need to work anywhere, work from home, create their own schedule, or simply want to work independently to have more control over their gifts, talents, and time.  The work I am about to suggest is legit and solid… but it is, well: WORK.

This opportunity will allow you to:

  • Control  your schedule
  • Manage the best use of your time
  • Make the target income you desire (no cap off with upward growth)
  • Work from the peace of your home office
  • Live anywhere
  • Enable you to have time to explore your individual gifts and talents


With Paradigm 9, LLC, you can work in two major capacities if desired:

  • Technical Solution Specialist
  • Virtual Concierge Assistant

You can apply through Indeed.  You have to make a video resume.  If this is too much for you then you do not want this bad enough.  Paradigm 9 enables individuals to increase in productivity and maximize potential. You have time to seek purpose when you are in control of your own time and energy.

Remember, how you spend your energy is the greatest tool to combat efficient time management.  Choose to direct the flow of your energy into platforms that provide for your total well being and not just for a simple dollar.


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The price of productivity

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Time waits for no man. Cliche? Yes. It’s so cliche and common to hear that we so become numb to the true value of the time that we have.

What does it cost you, in time, energy and money, to lose productivity?

Do you even know?

Are you living a life that is costing you years of mistakes simply because of a lesson that you refuse to learn?

Or are you losing your spiritual inheritance because you have taken the easy route to avoid fear?

Are you costing yourself millions of dollars because you aren’t maximizing the use of your time?  Are you leaving untapped potential to rot in your soul because you choose to cling to a soul-sucking, dead end job?

I know that I have lost 5+ years of my life to the beast of un-productivity and fruitfulness.  It was lost to a variety of false masters such as alcohol, co-dependent relationships and indecision. My mind often drifts back to that time and replays past events.

I imagine where I could have been and what I would have accomplished, had I not submitted to those masters of illusion. Anything that absorbs your time and inhibits productivity from true expressions of purpose, talents, and gifts- is robbery. Theft. Choosing to live that way after realizing there’s a problem? Oops. That’s on you.

Everyone’s situation is different, and we each have different battles to face. I’ve found that there is no harm in asking, “is this difficulty a battle that I’m equipped to fight?”

A simple decision changes everything.

Some would argue that there is no price for productivity. That you’re either productive or your not, you’re successful or not; a failure or not.

But I refuse to believe that there is not a price to untapped productivity.  We each have the capacity for a certain level of success in our DNA, and it would be a crime to the Creator to withhold it while on the Earth realm.

If you can say with out a doubt that the Creator would be proud of your life right now, you’ve maximized the potential inside of you.  But if you have to hesitate for a second, take some additional time to think about how you can be more productive with your time.  Time is more valuable than money. Time is where we allow our energy to be expressed with during our time here. We should be selective and conscious on where and how we choose to spend it.

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