Good morning Dinks.  We are well into the New Year and let me ask you, how has 2014 been for you so far?  As you know I have been through a rough few years with the market crash, the sudden loss of my best friend and the complete destruction of my family as a unit.

In 2013 I finally started feeling normal again after almost five years of not finding my place in the world.  I am looking forward to 2014 because as I plant my feet on the ground and find both personal and emotional stability I am going start having fun and really, truly enjoying life… every single day.

My friend Shannon over at Frugal Beautiful  recently wrote a post about wanting to save $20k this year for her wedding.  Shannon’s life has also changed drastically over the last couple of years and she too is now finding comfort in life with a new job and a new fiancé.  Of course Shannon has to make some sacrifices to meet her goal, but she is determined to hit her money mark of saving $20k in 2014.giving up

Shannon decided to close her social media company and scale back on her freelance gigs.  I was definitely surprised to read this news because anyone who knows Shannon or reads Frugal Beautiful knows that she is a hustler.  However, I was very happy to read about her giving up on her freelance gigs because I have the same goal in 2014.

This year I want to work less because the 1 a.m. nights to meet freelance deadlines and the mornings of getting up at 7 a.m. for my day job just aren’t working for me anymore.  I know that my goal is a bit selfish and (it’s also not as glamorous as Shannon’s reason of becoming a wife) maybe it just means I’m lazy but this year I need to start working smarter, not harder.

What’ I’ll be giving up

Usually working less means having less money, but I’m hoping that isn’t true – because that sounds crazy for personal finance blogger, right?  I will still be out there in the creative world hustling my services, but to a target audience; not just to anyone and everyone who will listen.  Being involved in several communities and saying yes to absolutely everything and anything that comes my way is making me extremely tired and I don’t want to live my life tired any more.   Four years ago I jumped into freelance work without any goals, but with the right business plan hopefully working less doesn’t mean making less money.

What I’ll be gaining       

In a nutshell, I’ll be gaining more me time.  Instead of spending my nights thinking, planning and writing I can focus on spending time with my boyfriend and finding new things to do in life.  That hasn’t happened yet, mostly it just seems that I have a lot of down time – and that’s scary because I am left with all my own thoughts and demons to deal with.  When I’m busy working I don’t have time to deal with the less than perfect issues in my life, but now I will.  Although it may not be pleasant at first, it will hopefully be worth it in the long run.

Photo by mythicseabass

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Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.


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Avatar photo About Kristina Tahnyak

Tahnya is a Certified Financial Planner and former Investment Advisor turned marketing and communications professional She holds a degree from Concordia University, is debt free and currently works in the field of digital marketing.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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