In 2019 Hay Comida En Casa

#52SlicesOfChingonaLife  #52EssaysNextWave2019  4/52

 

When I first saw this ‘advice’ on my social media, I had to laugh because who hasn’t heard this in one language or another?  “We have food at home”, I know that I heard this many times come out of Mama’s mouth.  Then later, as I was going through my receipts and bills, I thought of this again and really thought about it:  a big chunk of my receipts, and I always have a mountain of receipts, were for a coffee here, un McDonalds alla, and on and on.  Not only did I need to rethink my food spending, I could probably save a good chunk of money and live a healthier life by taking advantage of the fact that “hay comida en casa“.

Something clicked in me in that instant, and I decided that, yes, I had complete control of everything that goes into my mouth.  I also cook for Dad a lot as well.   We could both benefit from eating healthier and, what if something happened to either of us?  Something that would make a doctor tell us “this is it, if you continue eating this or that, you will die”.   I had heard of a friend’s wife being told something similar, that she would have to change her eating habits that second or she would die.

I noticed that I had begun to eat emotionally.   I remember going home after an emotional day and chowing down.  I didn’t even enjoy it.  Then there was the day where I had gotten it into my head that I needed to have chocolate every day, bought a candy bar, which I didn’t really even want, and ate it, so unsatisfying.   And THEN, because truth does not lie, I saw a picture of myself and I look like I swallowed a giant ball, lonjas for days.

After seeing the picture, I realized that I hadn’t felt healthy for a couple of weeks.  That something had really been on my mind bothering me during this time, didn’t think “I should call someone and talk this out”, no, it was “I need to make some guacamole”.   I hadn’t been checking on myself lately.  Taking care of myself had become a battle with my sick ‘woe is me, no one checks on me either’ mind.   My lack of self-care was showing (literally) and, after I realized it, it was ‘ON’.  That day, I even wrote in my journal, “this is IT, there has to be another way”.  I started listing the things that I could do in that moment to save my life.

I had a list of about 5 or 6 things that would need to be handled immediately.  I decided that I needed to brown bag it with real food, not jusgueria junk food,  drink water, SLEEP more, rest when I needed to, think about the real food that I liked to eat so that I would have more of it at the house,  choose better foods for Dad as well.  I also felt that I had to be much smarter about my commute which was tearing my patience and rest to shreds.   If I could tackle these necessary things, I might feel better and have time to do more of what I really wanted to do.

The first night of “taking care of myself” saw immediate results, I slept better than ever, the aches and pains, both physical and emotional, suddenly felt more manageable.   Taking leftovers, oranges, apples, bananas, water, etc, to eat was actually really satisfying and, while I did ‘need’ a piece of chocolate that first week, it was nowhere near the desperation that I had felt the week before.   And surprise, how productive was I?  I got soooo much done that I amazed myself.

The takeaway from this post is that, if you don’t take care of yourself emotionally, it WILL catch up with you physically.  Look at your emotional health before spending money on that huge meal or shiny new toy — you’ll end up with a bigass lonja and a lot less money in your bank account.  I want more for myself in 2019 and, like all new endeavors, it will take time to get there.  I’m ready.

 

 

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Save money? WHAT money? Tips for Saving $$$

 

#52essays2017  32/52

Dealing with finances has always been stressful for me. I’ve always envied those who could face their money head on and make it work for them. Of all of the Torres5, my little sis is the one who is the most financially literate. One of my BFFs, Angie, is also good with dealing with money and, as I asked her for help in learning how to save and invest my money, I ended up laughing out loud with some of the things she came out with.

All I remember telling her was, “if someone would have broken it down like that to me back in the day, my life would have been totally different…seria millonaria!’

I’m kind of afraid to learn how to save. Especially as I have been living at the bare minimum as I try to establish my business. But as Angie told me, “my mom managed her money really well, y eso que trabajo en el fil!” We all know that working the fields is one of the hardest jobs that exist; field work is also one of the lowest-paid rarely with any benefits. And here we are, making likely more money than field work, and all up in debt.

I was laughing so hard at Angie’s common-sense way of saving and mad at myself because I couldn’t write it all down! (as I was driving), I will present some of Angie’s straight-up saving tips from time to time. You will see that learning how to save money requires commitment to the bigger picture, being there for yourself, not letting yourself down and, more important, living within your means. Aaaay!

It may help you to write out in detail what you want to save that money for: a new car? a house? Pay off outstanding bills? Whatever your goal, write it out. As my business is seasonal, I’m right in the busy season now, and my slooooooow season is during the latter part of the year, so I’ve decided that I’d like to start my 4th Quarter Fund, to help me keep afloat in October/November/December.

Now, you’ve got to figure out how much money you need to survive each month – rent, car, gas, phone, insurance…only the things you need to handle on a regular basis.  Add it up.

After you get your check, pay yourself. Pay yourself, how? Pay yourself the amount that you designated as what you need to live on each month. Any extra amount, even if it’s $5 or $10, start saving it.  You don’t really need it right now because you just paid your bills, right?   This is where the committment comes in.

Angie’s take on the matter – ‘it’s so easy! Look at it this way: I can go to Nordstrom pero tambien alli esta la Ross!’ LOL In other words, economize. You can find cool clothes, housewares, and in my case purses at discounted prices at Ross or Walmart or even the ‘segunda’ (Goodwill). You don’t have to completely deprive yourself of nice things, but ask yourself, ‘do I really need to spend this much?’

Another way to check your spending: get all of the receipts together of everything you buy, and add up those receipts where you bought fregaderas/yonque/juzguerias/stupidass things that you didn’t really need then or now. I did that and found that my receipts showed the following in this order: gasoline, fast food, Starbucks, groceries. Not proud of so much fast food and Starbucks so I now see where I can cut back.

I asked Angie if it gets easier once you start, YES was her answer. The biggest benefit was the freedom from worry, why? 1) Your bills are paid and 2) slowly but surely, you are working toward the larger goal of financial freedom.

TRY it, do it for you, you can get your finances back in order, one coin at a time. We are too smart to be this stupid when it comes to money.