5 Saving Tips from a Broke Millennial

#HowToSaveWhenLivingPaycheckToPaycheck

Trying to save money in this day and age sucks. Cost of living is high, pay is low, and when that elusive money does finally become available, it has a habit of slipping away without leaving a clue as to where it went. In college I accepted this as part of life. Heck, college kids are supposed to be broke! It's so common it's cliché. 

As a college graduate, with (as Dad would say) a "Real Job," money problems should be a thing of the past, right? Wrong. (And Santa Claus isn't real, and acne isn't something you age out of, etc... sorry kids.) But even if you're starting off with college debt, maxed out credit cards, and looming bills, there is still hope of having a financially strong future. 

First and foremost, I recommend anyone who, like me, is fighting to get their finances together, must read Dave Ramsey's book The Total Money Makeover. This book changed my entire outlook on money and gave me a roadmap to finally being at peace with my finances. But this post isn't about reviewing Dave's seven Baby Steps (though they did effect the tips I am about to lay out.) This is more a practical guide to show what I (an admittedly, card carrying Broke Millennial) am doing to turn around my spending habits, refocus my vision, and get started on the path to financial freedom. WOOT WOOT! 

1. Get in the habit of saving 

You cannot, will not, save money if you don't make it a habit. The willpower just simply isn't there. This is why so many diets, exercise plans, and other admirable attempts at living better, fail. If you don't stick with it, you fall down, get discouraged, and eventually give up altogether. 

I started with a very simple program. I copied a chart off Pinterest with different dollar amounts in little squares, then taped this chart to an empty oatmeal canister. (You can use any type of container, coffee cans, etc. Just try to make sure you can't actually see the money inside. Out of sight, out of mind.) I gave myself one year to save a thousand dollars, one square a week, and set the strict rule that the money was not to be touched for any reason. 

Because of the varied amounts in each box, I was not limited to any one sum of money. This gave me the freedom to say, "I don't have an extra $40 this week, but I do have $12 left over from groceries." Once that $12 was in the can there was no going back. While that did leave a few mornings where I had to skip coffee at the café or a stop at the pretzel maker (I work in a mall, and those pretzels...yummm) it did gradually build up my self restraint. Also, there was the added psychological boost of seeing those crossed off squares, those coiled bills piling higher and higher every time I opened the can to add more. The weeks I did find more in my budget and could add $40, $50, or even (one exciting day) $100, I got such a rush at knowing just how much I had boosted my little stash. 

2. Have a separate Savings Account

To repeat what I said in step one, out of sight is out of mind. If you don't have your lump of savings sitting right in front of you, you are less likely to nickel-and-dime it away. Once you've developed the habit of putting aside a little money every week (or every paycheck) it becomes easier, and at this point I suggest moving from the oatmeal cannister to an actual bank account. (An added advantage of keeping your money in a savings account is interest, but we can discuss that at a later time.) 

This might not be for everyone, but I went to talk to a banker about setting up two new savings accounts in addition to my primary savings. (Because of the way my accounts are set up, the bank pulls funds from my primary savings if checking gets too low, and I wanted these new accounts separate from that system.) These two accounts I labeled "Long Term Savings" and "Short Term Savings" - though if you want you can call them after specific savings goals, Vacation, Christmas, Future Home, etc. 

Having these separate accounts keeps the money clearly divided so you can see how much you've saved for each goal. I found it so much easier to keep track of my goals once I could see them laid out on my bank website. I also didn't run the risk of accidentally using my vacation funds for a credit card payment, or paying for lunch with money earmarked for a future home.

3. Automatic savings

After the accounts were set up, I arranged automatic transfers to each account on payday. This doesn't have to be much! Just like with the oatmeal can, you put in what you can afford. Maybe that's $20 a week, or $50 per paycheck. Once, I limited my savings to $0.75 a day- a tiny trickle that added up slowly without pulling a large lump sum at any one time. The choice is up to you what you can afford, but the key is consistency, and that is where automatic transfers help so much. 

Because Dave Ramsey is my finance guru, I'm fascinated by the psychological reasons behind this tactic as well. You really feel it when you pull $50 out of one account and put it in another. There's almost a panic, remorse. We're comfortable looking at that big sum all together in our checking. There's a false sense of security. Then we shoot ourselves in the foot as we wear down that lovely lump sum until nothing is left and once again there is too much month left at the end of the money. 

That's why I love the gradual saving strategy. 

If you transfer (automatically, of course) $5 a day, each weekday, into a saving account, what do you end up with? In two weeks you've saved $50. Remember that $50 you were so traumatized at the thought of moving? It's moved! And not only did you feel no pain, no massive strain on your bank account, but you also get that little high from checking the bank balance and seeing your savings has spiked. 

If moving your money one day at a time isn't your forte, no worries. I do recommend arranging the transfers on payday though. This gets the saving out of the way before you divide the rest of your money up into weekly/monthly/biweekly expenses. 

4. Watch your Budget

There are tons of different ways to budget your money. Just try going on Pinterest and looking up "Budgeting tips." The results are endless! No one has a perfect method for everyone, but that doesn't mean you can't find one that works perfect for you. Maybe it's the Envelope System, maybe it's a spreadsheet on Microsoft Excel, or maybe you can even get a Zero-Based-Budget going! Explore, experiment with the different options. Have fun!

Personally, I found a medley of a few different systems works best for my finances. I start by subtracting my savings plan from each biweekly check. I even have a sticky note beside my calendar reminding me that X amount must be subtracted from each paycheck as it has already been earmarked for savings. Then I divide the remainder in two lumps (one for each week) and decide where to use the money. If, at the end of this step, you find yourself a few dollars over your budget, set it aside. Whether it covers a week you come up short, is there for that online subscription you forgot you had, or just leaves a buffer in your account so you don't get hit with overdraft fees, you'll be glad you didn't spend it!

 I use the envelope method for weekly expenses, such as gas, dog food, and groceries. I've tracked how much I spend weekly on these items, and can pull out the appropriate amount of cash so that I'm not tempted to just swipe my card and add on those little back-breaking, budget-choking incidentals like a candy bar or fidget spinner or magazine that stores always have stocked by the register. 

Monthly expenses require a different tactic. Things that you can use cash for (Rent, in my case) can have an envelope and build up slowly over the course of the month. Other expenses that you just can't use cash for (phone plans, credit card bills, Netflix, etc) should be blocked off so you don't spend that money on something else. Figure out what day payments come out and mark them on your calendar, or set up alerts on your phone so you can transfer money at the appropriate time. Alternatively, have automatic payments come out of a designated savings account, so the money has already been transferred over and you can remain hassle-free on payday. 

5. Enjoy the Process

Saving money can be fun! Beyond the psychological boost it gives you, saving in your twenties and thirties should be a rewarding experience. While concentrated effort on money management can mean cutting out extra treats, it gives you chance to really enjoy your new lifestyle. 

One aspect of saving that I never expected to love is Bullet Journals. I saw a savings tracker on Pinterest that I adapted to my own journal (modeling it after Dave Ramsey's baby steps) and I loved it! There is something so fulfilling to me in watching my savings grow (or debt shrink, depends on what page I'm on) and filling the pages with colorful blocks, doodles, and inspirational sayings. I understand Bullet Journals are not for everyone, but this is just an example of a fun way to involve your creative side in the savings process.  

Another way I fend off the no-money blues is The Quarter Jar. This is one serious benefit to paying cash. Every spare quarter I find, or have left over, is stashed in the quarter jar. Then, at the end of the month I cash them in and use this little bonus for a fancy coffee, or a new piece of clothing, or some other little reward for all my hard work over the month. Of course the prize is dictated by how well I did, so it spurs greater efforts to scrape together all spare change. 

Whatever method works for you, just be sure you have fun. Remember why you are saving! There's no point in becoming the next Ebenezer Scrooge. Money itself isn't the goal, but rather financial security and being able to afford the lifestyle that makes you happy. 

I hope these tips help in getting the financial ball rolling! Obviously these are just what I do, and are not a "foolproof plan" meant to make you rich. I hope that by starting with some of these steps you too can look forward to a future of growing financial health. For more financial advice, or for a full layout of the 7 Baby Steps I refer to in this post, please look up Dave Ramsey's books, radio show, or podcasts. Thanks for reading, and Happy Saving!

"Dumbo" - The Newest Disney Film Lacks Feels

Dumbo!

*SPOILERS AHEAD!!!*

The last few years, Disney has been giving viewers a treat in the form of reproducing classic animated movies from their vault as beautifully rendered live-action films. While nothing, in my humble opinion, can quite compare to the magic of the originals, these films have proven interesting. They try to avoid mistakes made in times past, and cast a different light on some plot lines, answering questions and filling plot holes, etc.

This past weekend, a friend and I ventured out to see the newest in Disney's line of live actions- Dumbo. While we agreed that the original was not our favorite Disney film, we were interested in seeing what spin Tim Burton would put on this classic story of a baby elephant whose oversized ears provided both challenges and opportunities in the world of the circus.

The film opens with a sequence of images showing the memorable circus train Casey Jr. chugging it's way through North America. The original song is omitted, save for an instrumental score, and Danny DeVito (ringmaster Max Medici) singing a line or two to himself later on. Rather than introduce actual characters, there are mere flashes of each performer in the troupe doing their bit as the train whizzes by beneath them. Not gripping, as far as openings go, but a fair start to setting the stage for time period and overall feel of the movie.

It doesn't get better.

There are no animals in the first ten minutes or so, except a monkey who is set up to be comic relief  (he is constantly at odds with DeVito's character). The main characters appear to be two young children and their father, a returning war veteran with one arm.

They move around in a sepia toned world talking about money, how most of the circus is dead from influenza, the ten-year-old won't take up an act (does she really need to? There are no other children in this circus!) and the father, Holt, a trick rider, has no horses to perform with. It's dull. I was bored. The kids in the theater were either crying or rolling around on the seats. No one was invested at this point.

Finally, Mrs. Jumbo is introduced. A pregnant African elephant, purchased so the show can bank on showing off a cute baby animal. DeVito, in a humorless scene, reveals that the troupe is trying to multi-task by having everyone wear "multiple hats," and so assigns the now horseless Holt to be the elephant caretaker. The role seems pointless, considering there are at least three other men taking care of the elephants.

Mrs. Jumbo was beautiful. One of the few animals who actually had camera time, she could have carried the show if they had focused more on her. She had expressive eyes that conveyed just as much as if she'd been a talking character (like in the original). Holt, although obviously still grieving the loss of his arm, wife, horses, and former life, seems to bond with the elephant over time.

Enter Dumbo. 

The reveal is... lacking. He's hidden in a pile of hay while his mother is brutally forced off the train car (why is never explained,) and he shows off his oversized ears by tripping off the train. The children instantly fall in love with him. DeVito is enraged that he's been sold "a fake" and wants his money back. An unnamed elephant keeper, with an unidentified problem with Holt, instantly begins torturing Mrs. Jumbo about her "freak" baby.

The children take Dumbo in, feeding him peanuts and trying to help him keep his ears out of the way. It could have been a cute scene, but the boy was forgettable and the girl was so focused on being "scientific" that any heart was drained from the interaction. Dumbo inhales a feather (dangerous, much?!) flies for a second, and the kids lose their minds.

Of course, no one believes them.

Opening night of the circus results in disaster. Holt, for whatever reason, does not want to be recognized. He has to wear a false arm, which he swears about- a lot. (Ummm, kid's movie, right? Did I miss something?) Dumbo's ears are tied up in a baby bonnet to hide them, and he is pulled around the ring. This works well until the jerk caretaker enrages Mrs. Jumbo and sends her stampeding into the ring. She starts a fire, mass screaming and evacuation, jerk dude dies. It's super dark.

During a tiny interlude that nods towards the original, Dumbo visits his mother in her cage. The troupe is singing the tear jerking song "Baby Mine" in the background, and Dumbo snuggles with Mrs. Jumbo for a brief moment. It's almost screen for screen with the original, and honestly the only scene with heart. I cried.

And then Danny DeVito reappears and everything goes back to grim-dark sepia tone. Mrs. Jumbo is shipped off as a mad elephant. The kids have a weird conversation with Dumbo about missing their moms. Dumbo inhales another feather and starts flying again, and the kids tell him this is the way to get his mom back, make money flying for the show. And somehow he understands them.

Dumbo is put in the clown act, an actually interesting sequence with Holt helping Dumbo perform, and the kids hoping Dumbo will fly with enough incentive. The act goes well at first, but then fire breaks out and Dumbo gets trapped on the burning tower. The girl climbs up to give him a feather, nearly dying in the process, and Dumbo starts flying around to the shock and amazement of all.

It's a cute sequence, and had it been a turning point for better things to come, would have been delightful. But no.

Micheal Keaton arrives with a feathered French woman (Ava Green) on his arm. They want to buy Dumbo, and DeVito falls for Keaton's suavity and money talk, bringing his entire troupe to New York. There is so much money talk in this film, the kids were crying with boredom.

They move to Keaton's fantastic theme park in New York. The French woman, Colette, turns out to be a trapeze artist that Keaton wants to ride Dumbo. (Isn't he still just a baby? Can his ears really take the weight of himself and a full-grown woman? I get this is fantasy, but seriously.) She learns the children's secret of stuffing feathers up Dumbo's nose to make him fly, and starts training for the big opening night. Meanwhile, Holt and Colette start a tiny flirtationship when he finds out she is not "with" Keaton. The two actors have a spark of chemistry that would have been interesting if they could have expanded on it a bit.

Opening night comes, and with it the most bizarre performance of "Pink Elephants on Parade" that I've ever seen. Was it bubbles? Was it magic? Was it all in Dumbo's imagination? It's never explained. When Dumbo and Colette start the performance, Keaton (FOR NO APPARENT REASON) shows a complete disregard for Colette's safety, Dumbo freaks out, and Colette is only saved from certain death by Holt's quick thinking. DeVito, Keaton, and Alan Arkin have a conversation about money (the park will go under unless Dumbo impresses Arkin's character into investing.) Arkin is not impressed when Dumbo flies out of the tent, and leaves.

Dumbo seems to have good reason for his hasty exit, though. In another part of the park, the kids find him snuggling with "Kali the killer elephant" aka, Mrs. Jumbo. They try to convince Keaton that all Dumbo wants is to be reunited with his mother, and he'll fly no problem. Keaton decides to kill Mrs. Jumbo instead, and sets his stooge Neils (played terrifyingly well by Joseph Gatt) to get rid of her the next night.

DeVito is issued a callous order to get rid of the rest of his troupe, and Holt finds the group of them saying goodbye to Dumbo in the elephant tent. He decides that they have to take action, and they form a plan to get Dumbo and Mrs. Jumbo out of the park. (How this is supposed to help the circus troupe get jobs, I don't know.)

The next night, the troupe works together to get Mrs. Jumbo out of Neils clutches. Holt, the kids, and Colette start work on their plan to get Dumbo out during his performance. I have to credit the actors with really doing well in this sequence, and making you really invested in hoping they escape. The thematic elements might have been a bit much for the kids though.

As Colette and Dumbo soar to safety, Neils tells Keaton about Mrs. Jumbo's escape. They lock on the kids and start a rapid chase through the park. Keaton, meanwhile, goes to the control tower where Colette and Dumbo have disabled some systems to allow the others to escape. Keaton freaks and starts flipping random switches (even though his people are working on safely restoring power and warn him not to interfere.) The park is set to explode, people rush around in panic, fire is everywhere. Holt sees Neils chasing the kids and sets off to save them, using his trick riding stunts to get Neils off their backs. They end up trapped in the big tent though, until Dumbo (how did he know they were there??) shows up helps them escape.

Holt loads the kids on Dumbo, and the girl has a long and unconvincing talk with Dumbo about how he doesn't really need the feathers to fly. Then Dumbo takes off, in a beautiful sequence of him flying with the kids over a Brooklyn nightscape, and follows the truck with his mother down to the docks. Holt steals a police horse and follows them, while Keaton freaks about his burning park and DeVito heads off with Arkin to get hot dogs.

(???????)

At the docks, Mrs. Jumbo and Dumbo say goodbye to the troupe and set off -on their own- to Africa. The trope then regroups with DeVito, who opens a "family circus" where no wild animal is kept in cages! Except apparently horses don't count because Holt is a trick rider again. He gets together with Colette, and the little girl invents moving pictures? As long as they're happy...

The last scene is beautiful, if unrealistic. Mrs. Jumbo and Dumbo are together at last in the wilds of Africa, where they see a huge herd of elephants waiting for them in a gorgeous waterfall landscape. Dumbo soars over their heads and the elephants all smile and wave their trunks. It's cute, even though animals born and raised in captivity have little chance of actually surviving in the wild. But hey, movie magic, right?

For me, this story held a lot of potential.

The idea of having Dumbo's handler losing an arm was inspired. It would have made such an intimate bond between them, both having these perceived disabilities. It's a topic never even touched on, though, which was a serious shame. Dumbo and Holt both overcome their issues, but separately, and without any heart or warmth or bonding.

If the story had been entirely from the kids' point of view, changing the characters so that they carried the story instead of being helpless puppets being dragged around everywhere, it could have been cool. Let the little girl ride Dumbo, finally getting her own act, just to make her father proud of her so he would pay attention to the kids more. Make them actually desperate for a mother figure instead of simply being cool with Colette hanging around. Let them progress past the sadness and deadpan expressions. It could have been interesting.

If the story had focused on Holt getting closer to his kids while coping with the loss of pretty much everything, that would have been an interesting story. Throw in more of the banter and character development between Holt and Colette, and it could have made for a beautiful and gently romantic story.

If the story had focused on DeVito figuring out where his true heart lay, in show business or making money, this could have been cool. Throw in a competent sidekick (or even just expand on the strongman character) and a maybe include a legit reason for the situation with the monkey, and this could have been interesting.

If the story had even circled around Keaton's character I would have been more engaged. It certainly wouldn't have been the first Disney film to center on the villain. Give him a redemptive arc, let him learn something from his mistakes. Let him take the good (legit good) ideas from the park and turn it into something amazing. Give him a change of heart, let him build an elephant sanctuary for Dumbo and his mom. Let him have legit reasons for what he does instead of just making him smile wickedly and leave you wondering what just happened.

Instead, the plot jumps from one thing to the next. You never spend enough time with one character to really feel anything for them. DeVito isn't funny, he's just annoying. The kids aren't cute, they're stiff and expressionless. Colette isn't engaging, she's stereotypical (and for pity's sake, how did she, a trapeze artist from the streets of Paris, know which lever to pull in the control tower to do the exact thing they needed to do?)

It wasn't even a feel-good animal film. Sure they rescued two elephants and a couple horses at the climax, but what about the other animals locked up on nightmare island? What about the other performing animals in the tents? Did they all die in the fire? And don't even get me started on the people stuck on the rides.

Definitely this film had redeeming qualities. The CGI animals where well done. Colin Farrell did a smashing job as Holt (barring the swearing) and came off as the most sympathetic character. His relationship with Colette was really the highlight of the movie for me. The scale of Keaton's park was fantastic and really made you want to visit.

Older kids, and diehard fans of the original will probably enjoy seeing the twists Tim Burton puts on this classic, but I would recommend passing for young children. Watch the original with the talking animals showing their unique perspective on circus life, and Timothy mouse as Dumbo's humorous and helpful sidekick. Or if you're just looking for a circus fix, watch The Greatest Showman. It has fewer animals but heaps more heart.

~ Bunny

Monday Prayer for the Holy Souls

Monday

O Lord God Almighty, I beseech Thee, by the Precious Blood which Thy Divine Son Jesus shed in His cruel scourging, deliver the souls in Purgatory, and amongst them all, especially that soul which is nearest to it's entrance into Thy glory; that it may forthwith begin to praise and bless Thee forever.

Amen.  

Our Father,  Hail Mary,  De Profundis.

De Profundis

Out of the depths have I cried unto Thee, O Lord;

Lord, hear my voice.  

Let Thine ears be attentive; 

to the voice of my supplication.

If Thou, O Lord, wilt mark iniquities; 

Lord, who shall abide it? 

For with Thee there is merciful forgiveness; 

and because of Thy law, I have waited for Thee, O Lord.

My soul hath waited on His word; 

my soul hath hoped in the Lord.

From the morning watch, even until night; 

let Israel hope in the Lord. 

For with the Lord there is mercy; 

and with Him is plenteous redemption. 

And He shall redeem Israel; 

from all his iniquities. 

Glory be to the Father, and to the Son, and to the Holy Spirit.  

As it was in the beginning, is now, and ever shall be, world without end.  Amen.

Eternal rest grant unto them, O Lord. 

And let perpetual light shine upon them. 

May they rest in peace. 

Amen. 

May their souls, and the souls of all the faithful departed, through the mercy of God, rest in peace. 

Amen. 

(Prayers taken from: My Prayer Book by Father F. X. Lasance)

Sunday Prayer for the Holy Souls

Sunday

O Lord God Almighty, I beseech Thee, by the Precious Blood which Thy Divine Son Jesus shed in the garden, deliver the souls in Purgatory, and amongst them all especially that soul which is most destitute of aid; and vouchsafe to bring it to Thy glory, there to praise and bless Thee forever.  

Amen.  

Our Father,  Hail Mary,  De Profundis.

De Profundis

Out of the depths have I cried unto Thee, O Lord;

Lord, hear my voice.  

Let Thine ears be attentive; 

to the voice of my supplication.

If Thou, O Lord, wilt mark iniquities; 

Lord, who shall abide it? 

For with Thee there is merciful forgiveness; 

and because of Thy law, I have waited for Thee, O Lord.

My soul hath waited on His word; 

my soul hath hoped in the Lord.

From the morning watch, even until night; 

let Israel hope in the Lord. 

For with the Lord there is mercy; 

and with Him is plenteous redemption. 

And He shall redeem Israel; 

from all his iniquities.

Glory be to the Father, and to the Son, and to the Holy Spirit.  

As it was in the beginning, is now, and ever shall be, world without end.  Amen.

Eternal rest grant unto them, O Lord. 

And let perpetual light shine upon them. 

May they rest in peace. 

Amen. 

May their souls, and the souls of all the faithful departed, through the mercy of God, rest in peace. 

Amen. 

(Prayers taken from: My Prayer Book by Father F. X. Lasance)

Saturday Prayer for the Holy Souls

Saturday

O Lord God Almighty, I beseech Thee by the Precious Blood which gushed forth from the side of Thy Divine Son Jesus, in the sight and to the extreme pain of His most holy Mother, deliver the souls in Purgatory, and especially that one amongst them all which was ever the most devout to this great Lady; that it may soon attain unto Thy glory, there to praise Thee in her, and her in Thee, world without end. 

Amen.  

Our Father,  Hail Mary,  De Profundis.

De Profundis

Out of the depths have I cried unto Thee, O Lord;

Lord, hear my voice.
  

Let Thine ears be attentive; 

to the voice of my supplication.

If Thou, O Lord, wilt mark iniquities; 

Lord, who shall abide it?

For with Thee there is merciful forgiveness; 

and because of Thy law, I have waited for Thee, O Lord.

My soul hath waited on His word; 

my soul hath hoped in the Lord.

From the morning watch, even until night; 

let Israel hope in the Lord. 

For with the Lord there is mercy; 

and with Him is plenteous redemption.

And He shall redeem Israel; 

from all his iniquities.

Glory be to the Father, and to the Son, and to the Holy Spirit.  

As it was in the beginning, is now, and ever shall be, world without end.  Amen.

Eternal rest grant unto them, O Lord. 

And let perpetual light shine upon them. 

May they rest in peace. 

Amen. 

May their souls, and the souls of all the faithful departed, through the mercy of God, rest in peace. 

Amen. 

(Prayers taken from: My Prayer Book by Father F. X. Lasance)