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Fake It 'Til You Make It: Tackling Money Goals

8/27/2015

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Here we are at week 3 of 4 of my Fake It 'Til You Make It series! Did you miss Week 1 and Week 2? Don't forget to catch up! 

This weeks Fake It 'Til You Make It is all about that money, money, money. Everyone has a money goal, whether its getting out of debt, investing in the stock market, or saving for a big purchase. And every one of those money goals is based on you knowing where your money is spent, how much you have, and generally having your finances in order. So whether your goal is small, large or in between, there's a pretty simple formula for getting on track. 
Tackling Your Money Goals

Plan the Part

First, what's your goal? Some people don't like talking about dollar signs (I get it, spending habits can feel pretty personal), but it's important to be aware of what your financial goals are, and to share them with at least one other person. I'll share mine: I want to buy a house. I realize it's not an option right now, but I'm pretty excited about the idea of owning a home, so I'm saving money now so that I can make that dream a reality later. It sounds a little ridiculous to be thinking 6-8 years in the future, but saving now means a bigger down payment later (and less on a mortgage). My goal is pretty big, but you can start smaller, like saving an emergency fund, or paying off a small credit card debt. 

Once you've got your money goal, figure out your numbers. How much do you make? How much do you spend? Not interested in tracking every purchase in a spreadsheet?? Sign up for Mint, or another money tracking app. Subtract your spending (expenses) paycheck (revenue) to figure out how much is left over at the end of the month (we'll call this "profit" - since it fits the equation we all learned in social studies). Now you've got your numbers, so start looking the part.

Look the Part

Start reading. One of the best ways to get yourself prepared for a money lifestyle change is to get your knowledge on. I suggest reading Rich Bitch for general goals, and then moving into the land of Pinterest for articles that are more focused on your particular goal. Reading is a great way to make you feel like you're moving toward your goal without changing your lifestyle. 

Here are a few things to read to get you started:
  • The Skimm - Being up on current events can actually play a huge roll in your money goals. 
  • Making Sense of Cents and DailyWorth- two great blogs about $$
  • How to Save Money and How to Make Extra Money - by yours truly :D

Act the Part

Now that you know what's up (financially speaking), start acting like it! It's easy to get trapped in the "Look the Part" section of your money goal (trust me!) because its comfortable. You haven't yet changed your lifestyle, but you feel like you know what's going on with money. But until you start acting, you'll never see your savings go up (or your debt go down). 

Make small changes that will help you toward your goal. Like going to the grocery store less often, or unsubscribing from store emails (because you don't need a new pair of shoes every time theres a sale). Then make another small change. Don't quit spending money for fun. Just start thinking about how you're spending your money, and cut out spending that goes against your goals!

Be the Part

Once you're acting the part, keep it up. Keep an eye on your finances, and as time goes on, you'll notice how much closer you are to achieving your goals. Don't forget to celebrate the small victories and reward yourself for progress (maybe with a new pair of shoes, or a trip to your favorite store). 

The best way to "Be the Part" is to talk about your success, and future money goals. I'm not suggesting that you brag, but being willing to talk about money means your comfortable with it, which is something to be proud of! 

Best of luck! 

- Leah 
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Fake It 'Til You Make It: Increasing Your Productivity

8/20/2015

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Did you miss last week's "Fake It 'Til You Make It"? Read up on keeping your home organized!

This week's Fake It 'Til You Make It is about increasing productivity at work or school. Feeling unproductive, or preparing for a busy season or semester? This one is for you. 

In case you missed it, I'm doing a four week, four part series on faking it 'til you make it in different aspects of your life. Last week I wrote about keeping your home organized (ADD LINK). This week, I'm covering how you can increase your productivity at work or school to get more done!
Fake It 'Til You Make It: Productivity

Plan the Part

Identify your weaknesses. Do you have a hard time getting anything done because of interuptions? Need to work on setting your own deadlines? There's a lot of things that you can do to increase your productivity, so pick one thing to work on first. 

Once you've identified your area of weakness, make a plan. That doesn't mean just telling yourself that you're going to be more productive, it means sitting down and outlining how you're going to do it. Something I've been working on is managing my to-do list in a way that keeps it from being overwhelming, but also keeps me aware of everything I'm currently working on. 

Look the Part

First, even if an organized workspace isn't what you're working on, clean your desk and make it an effective work space. Starting with a clean slate will help you mentally adjust to your new productivity. Need some tips? Chelsea has a great post about creating an effective work space. 

Part of increasing your productivity means investing in your organizational structure. Whether it's something physical like file folders, or a chunk of time devoted to getting a system in place, looking the part means presenting yourself as productive, and that may require some investment.

Act the Part

I'll be honest, this is always where I fall off the wagon. I'm totally guilty of getting organized, and then not staying that way. Take 5 minutes each day to continue working on your goal in some way. It may be setting yourself deadlines for future projects, or sifting through old meeting notes to transfer things to your to to list. It may be as simple as cleaning up your desk for five minutes. No matter what it is, put it on the calendar for the day.

Another way to act the part is to remind yourself of your goal. Write it down on a cute post-it note and put it somewhere visual in your office. Then change your background of your computer to an inspirational quote that will keep you going. (Need a few ideas - check out our Pinterest board!) Then, write it in your planner, and on your coffee mug... ok, maybe not that far, but you're getting the picture. The more you can remind yourself to fix your bad habits, the more likely you are to stay motivated! 

Be the Part

It's common knowledge that it takes roughly 21 days to form a habit. Whether or not that's exactly right, after a certain point, you'll successfully avoid your distraction. You'll no longer notice the quote on the background of your computer, or you'll appreciate that your personal deadlines have been working. 

The key at this point is not to get relaxed and revert back to your old ways, but to identify another distraction, and start all over, working to eliminate something else. Not only will it make you look good as an employee, it means less overtime, and less stress.

Good luck! 

- Leah
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Fake It 'Til You Make It: Keeping Your Home Organized

8/13/2015

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This week marks the Start of my "Fake It 'Til You Make It" series. What is it? Its four topics (Home, Work, Money, and Getting Healthy) over four weeks with four steps to cover some broader "adult" goals that I started thinking about after I graduated from college, moved into a "big girl" apartment, and started a "real" job. 

You'll notice something similar in each week. The four steps in each week are the same. Well, sort of. I'll elaborate on them each week, but the basic steps are: Plan the Part, Look the Part, Act the Part, Be the Part. But don't be fooled, its not quite that simple!

Today we're tackling keeping your apartment clean and organized. In college, I used to assume that I was a little messy because I was crazy busy, and that when I graduated and was only working at one job that I'd magically get better at cleaning up the house and keeping things organized... Unfortunately, that's not how that worked out. 
Fake It 'Til You Make It: Keeping Your Home Organized

Plan the Part

First, sit down and figure out exactly what you want to get better at. There's a lot of different things to do to keep an apartment clean and organized. Focus on a few things that will make the biggest impact. For me, it's finishing up laundry, keeping the kitchen clean, and putting things away instead of piling them up. 

Once you've identified your focus points, make a list of the ways you can do to work on the things that you can develop. It doesn't have to be a long list (in fact it shouldn't be), but the list items should be easy enough to accomplish without stress. Use your to-do list to get ready for step two. 

Look the Part

This might sound difficult, but start your goal of keeping your house or apartment clean is to clean it up. Spend some time on a Sunday cleaning up. Starting with a clean space will make keeping it clean an easier task. 

For me, this means doing all of my laundry and putting it all away and then starting with my goal. Why? Because my problem isn't starting laundry, its finishing it. So if I start over with a clean laundry basket, it'll be easier for me to follow through, rather than start with being overwhelmed. 

Act the Part

Rather than just do it (sorry Nike), convince yourself you're acting like your future self. This sounds a little silly, but "acting" like you've already got the habit down can help solidify the habit in your head. Confession time: I sometimes pretend I'm acting like my mom. She's got the cleaning thing down pretty well. 

Another way to "act the part" is to make things fun. Put on music while you're folding laundry, and dance while you're vacuuming (don't knock it 'til you try it). Or if your goal is about getting your apartment organized, act like an interior designer or like you're hosting a show on HGTV (P.s. Chelsea has a post for that)! This will help you get in the right mindset, and actually enjoy what you're working on.

Be the Part

Generally, it takes about 21 days for a habit to form, so keep acting until it doesn't feel like acting anymore. So keep up step three until you just kind of slip in to step four. 

When you feel like you've gotten things all set with your first focus, start thinking about what's next. Whether it's focusing on a totally different category of your life, or tackling the organization of your extra closet, take advantage of the excitement you're feeling about accomplishing your goal and focus it on accomplishing another one! 


Let me know what you're working on, and stay tuned for next week's Fake It 'Til You Make It - we'll be tackling productivity at work or school. 

- Leah 
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How to Sell on PoshMark

8/6/2015

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A litte while back, I wrote an article about how millennial's can earn more money, and mentioned Poshmark - an app for selling women's clothing and accessories. Today, I'm going through how to sell on Poshmark, including tips for selling more on the site. 

If you've never used poshmark and are looking to sell your gently used clothes or buy name brands for cheap? Check out Poshmark, and get $5 credit when you sign up withe the code: BLWZH. 
How to Sell on Poshmark (and Tips to Sell More)
How to Sell on Poshmark

Start your closet:

First, log in and update your profile. Make sure you've got a picture of yourself for your closet - It helps creates a personality and element of trustworthiness. 

Also, be sure to connect your Facebook, Twitter, and Tumblr in order to share listings if you'd like. 

Next, go find some people to follow. Many people will follow you back, and more followers = more eyes on your closet. The best way to do this, is go shopping (at the bottom of your screen) check out brands and sellers to follow.

Tip: follow people who have similar closets. That way, you can share what they list to your followers, and the other seller may thank you by sharing one of your listings as well.

Click the sell button:

Tap the sell button at the bottom of your screen. This will bring you to a picture screen, where you can either snap a photo, or you can grab a photo from you picture library. 

I highly recommend saving photos of your items and adjusting the brightness and contrast of the photos to make them look their best before you post them on the app. 

You can add up to four images per listing, which is a great way to show off tags on clothing or anything you'd like to highlight on your item.

Tip: I DO NOT recommend only using brand photos (the ones you may find online from the brand). Showing the actual item is more representative, and prevents people from being worried about getting scammed.
How to Sell on Poshmark
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Talk about your listing:

Be descriptive, Be clear, and Be honest. 

Use a descriptive title that includes the brand (if it's a well known one). Also, be sure to note anything important about the item, like blemishes or the fact that is wasn't worn very often. 

It's ok if the item has a blemish, as long as you're not asking too much for it. Which brings me to pricing. 

If you can't remember the original price, and can't find it online - estimate conservatively. Next, make your list price something reasonable as well. Most people sell for 50% or more off of retail (depending on the condition, obviously). 

Tip: Start listing a little higher that you'll really take for it. You can lower the price later (and sometimes people who like your listing will get discounted shipping) or accept offers.

Sharing is caring:

Poshmark throws "parties" at different times every day, like the Best in Shoes Party. You can share a listing directly to a party, or just to your followers (when you create a new listing like I did on the right, it will share no matter what). 

You're not limited to just sharing your own listings either. You can share any other seller's listings, which is a great way to build your own followers. 

Sharing is a great way to get other people to share your listing, or thank someone for liking, sharing, or buying something from your closet.

Another way to share is to go off Poshmark. You can connect your Facebook, Twitter, and Tumblr accounts so that you can share there as well. 


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Sold something? Check on your $$:

If you buy thing on Poshmark, you can track it on "My Purchases," and any sales in "My Sales." "My Sales" will tell you what stage you're at in the shipping process (when you've printed your shipping label, shipped your item, etc).

Sell something? Congrats! Check on the status of your pay outs in "My Balance." It will tell you how much money you have earned, if you have any credits, and how much is pending (aka you've sold something, but it hasn't been received).

Tip: Ship fast. It's a great way to get your rating as a seller up!  

Tip 2: Send a thank you note along with your items. It's a great way to be an awesome human, and if you're a blogger, direct them to your blog! 


Tip 3: Let your balance build up. You can cash out whenever, but getting one larger check is so much more satisfying than getting a few small checks. 

Now a little bit on how buying works on Poshmark:

Poshmark just added an option to create bundles, where you can get a discount on shipping and on items by buying two or more items. Most sellers have a discount.

You can also make offers (which I recommend trying). But only make REASONABLE offers, because no one likes to feel cheated. 

Tip: as a buyer, feel free to ask questions in the comments secion of the listing.  

If you're buying (yep, you can use your earnings to buy on Poshmark), these two are a great way to save yourself even more money! 
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- Leah
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Paperback Pour Over

6/3/2015

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Callie, Chelsea, and I would like to introduce you to Paperback Pour-over, an online book club! Interested in being a part of the book club? Here are some answers to questions you probably have (since we can't really call them FAQs...)

How is it going to work??

At the beginning of every month, we'll announce the book on via our blogs, and a private Facebook group! Then around the middle of the month, we'll start discussion of the book, talk about what we liked and didn't like, and what we've learned! Like any good book club, we hope people will get involved in discussion, but also chat about other things as well!

What kind of books will we be reading?

We'll be reading a mix of books - from career books to fiction! We'll try to spread them out a little, so that we're not reading 6 mystery novels in a row though! 
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Do you have to be a blogger?

Nope! You can participate on the Facebook group without needing to blog- which is kind of the point. This is about connecting with other readers, learning new things, and adding interesting books to your reading list!

What if I want to skip a month?

GASP! kidding. We totally understand life gets crazy, and things happen. But we'd love it if you tried to make time to read. Not to get preachy, but people who read more tend to be more successful (per the Internet), and we want to see you in a corner office soon! ;)

What is the June book?

Leave your Mark by Aliza Licht! We figured it'd be fun to start with a book that's fun to read, but also something that could help you learn something! 

"Smart, savvy, and sophisticated, LEAVE YOUR MARK is the new professional must-have. No matter what industry you work in, Aliza's insider tips from career to personal branding will help you make your mark and then leave it!" ―Joe Zee, editor in chief, Yahoo Style

This sounds like fun, where do I sign up?!

It's super simple. Just request to join the Facebook page!  We'll start introductions and discussion any day now, so lets get together today! Also, keep an eye out for some awesome member perks in the future (like maybe a giveaway!!) 

Any more questions? Ask away and we'll get them answered! 


*This post may contain affiliate links. Purchasing products or using services through these links may result in payment to Life, Love, and Coffee Stains which goes toward blogging resources and sponsoring other blogs (and maybe some coffee).
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    A little bit about us:

    Chelsea and Leah here of Life, Love and Coffee Stains! 
    We're two coffee loving 20-somethings (who also enjoy wine, fur babies, and blogs). 
    Check out awesome articles focused around work and grad school, post college life, and so much more! New articles are posted Monday, Wednesday, and Thursday. 

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