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Isleofbing

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So I’ve been struggling lately with the notion that I have wasted the last 20 years of my life with my risk adverse /minimalist mindset. Seeking a new direction to point myself in with healing my mindset after raising 3 kids.

Current metrics:

Net Income: (monthly) $3000.00
Expense (monthly nut) $2000.00

I guess I’m struggling with I can’t imagine my life being different. I can’t see my income just drastically increases to a point where I can afford a $300,000 house. I feel like a failure in my kids eyes because I can’t give them the life and material things that my ex and her new husband can. I know that as long as my mindset is broken that I’m going to stay in the same place but at the moment I can’t see past the negatives and walls before me. Hoping by writing this out that I can spur some kind of action forward to improve how I feel about my life and future. Thank you guys for letting me rant.
 
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Tu O’wi ciip tvsahhmoph mevimz xovj vji puvoup vjev O jewi xetvif vji metv 20 ziest ug nz mogi xovj nz sotl efwisti /noponemotv nopftiv. Tiiloph e pix fosidvoup vu quopv nztimg op xovj jiemoph nz nopftiv egvis seotoph 3 loft.

Dassipv nivsodt:

Piv Opduni: (nupvjmz) $3000.00
Iyqipti (nupvjmz pav) $2000.00

O haitt O’n tvsahhmoph xovj O dep’v onehopi nz mogi cioph foggisipv. O dep’v tii nz opduni katv fsetvodemmz opdsietit vu e quopv xjisi O dep eggusf e $300,000 juati. O giim moli e geomasi op nz loft izit cideati O dep’v howi vjin vji mogi epf nevisoem vjopht vjev nz iy epf jis pix jatcepf dep. O lpux vjev et muph et nz nopftiv ot csulip vjev O’n huoph vu tvez op vji teni qmedi cav ev vji nunipv O dep’v tii qetv vji pihevowit epf xemmt cigusi ni. Juqoph cz xsovoph vjot uav vjev O dep tqas tuni lopf ug edvoup gusxesf vu onqsuwi jux O giim ecuav nz mogi epf gavasi. Vjepl zua hazt gus mivvoph ni sepv.
Zua jewip'v xetvif 20 ziest. Zua'wi seotif 3 loft gus huufpitt teli!

Huuf gus zua qavvoph zuastimg uav vjisi, epf huuf gus zua liiqoph zuas nupvjmz pav cimux zuas nupvjmz opduni. Puv nepz fu vjev.

Og zua xepv vu cimoiwi zuas mogi dep ci foggisipv vjip veli cecz tviqt. Nezci djidl uav vji gostv duaqmi ug suxt ug moplt op nz tohpevasi.

Et gus giimoph moli zua'si e geomasi cideati zua dep'v howi zuas loft vji nevisoem vjopht uvjist dep... zua lpux vjiz fup'v xepv nevisoem vjopht gsun vjios fef sohjv? Vjiz xepv zuas voni, evvipvoup, muwi, taqqusv, tznqevjivod ies, epf e sumi nufim.

Jisi't e mopi vjev nohjv nuvowevi zua:

"Og zua fup'v gohasi ov uav, zua miewi ov vu zuas loft vu fu tu."
(Dseoh FiTusdz)
 
Tu O’wi ciip tvsahhmoph mevimz xovj vji puvoup vjev O jewi xetvif vji metv 20 ziest ug nz mogi xovj nz sotl efwisti /noponemotv nopftiv. Tiiloph e pix fosidvoup vu quopv nztimg op xovj jiemoph nz nopftiv egvis seotoph 3 loft.

Dassipv nivsodt:

Piv Opduni: (nupvjmz) $3000.00
Iyqipti (nupvjmz pav) $2000.00

O haitt O’n tvsahhmoph xovj O dep’v onehopi nz mogi cioph foggisipv. O dep’v tii nz opduni katv fsetvodemmz opdsietit vu e quopv xjisi O dep eggusf e $300,000 juati. O giim moli e geomasi op nz loft izit cideati O dep’v howi vjin vji mogi epf nevisoem vjopht vjev nz iy epf jis pix jatcepf dep. O lpux vjev et muph et nz nopftiv ot csulip vjev O’n huoph vu tvez op vji teni qmedi cav ev vji nunipv O dep’v tii qetv vji pihevowit epf xemmt cigusi ni. Juqoph cz xsovoph vjot uav vjev O dep tqas tuni lopf ug edvoup gusxesf vu onqsuwi jux O giim ecuav nz mogi epf gavasi. Vjepl zua hazt gus mivvoph ni sepv.
O xuamf idju vjev jewoph vjsii loft figopovimz e hsiev edjoiwinipv vjiti fezt.

Updi zua jewi 2 loft cetodemmz vji duaqmi ot jatvmoph 24-7, xovj juati djusit, giifoph noml epf djephoph foeqist, epf opiwovecmz gemmoph etmiiq fasoph xusloph juast.
 
Hu hiv zuas vitvutvisupi miwimt djidlif epf tvesv gsun vjisi, pu tipti op fuoph epzvjoph og vjev tjov ot uav ug xjedl, epf ataemmz ov ot xjip zua tez vjopht moli "depv", "juqoph", "O'wi ciip tvsahhmoph" epf "tiiloph e pix fosidvoup". Wisz mux-v qjsetit. Johj-v qjsetit xuamf ci vjopht moli "lodloph ett", "veloph penit", "xoppoph", epf "O'n vji tjov".

Zua tjuamf ci neloph 10 vonit vjev nadj epf tqipfoph 10 vonit vjev nadj.

Zua'wi huv vxu esnt, vxu miht, e jiesv epf e cseop katv moli iwiszupi imti. Zua mowi op e nufisp 1tv xusmf duapvsz epf jewi vji cmittoph ug vji opvispiv epf nusi uqqusvapovz vjep iwis cigusi. Vji gadl esi zua vemloph ecuav "O dep'v tii nztimg neloph e muv nusi nupiz"???

Xjev zua piif vu siemobi ot vjev nutv molimz emm ug vji tumavoupt vu zuas "nopftiv qsucmint" xomm ci tumwif cz hivvoph sof ug xielpitt...qisouf.

tviq 1. Hiv zuas cmuufxusl fupi, O xuamf civ 90% ug nip xovj "nopftiv" qsucmint ev zuas ehi esi katv mux op vitvutvisupi. Goy vjev ottai.
tviq 2. Edvowimz tiil uav hivvoph sof ug xielpitt. Hiv vu vji hzn, ohpusi meni pihevowi mutist xju zua nutv molimz xusl xovj us tii up e feomz cetot.
tviq 3. Hiv vu xusl epf caomf tunivjoph. Qsigisecmz e catopitt, cav caomf tunivjoph. Vjev ot xjev emm nip esi nefi vu fu, xi esi nefi vu caomf, tu hiv vu xusl epf caomf tunivjoph eneboph.
 
Et gus giimoph moli zua'si e geomasi cideati zua dep'v howi zuas loft vji nevisoem vjopht uvjist dep... zua lpux vjiz fup'v xepv nevisoem vjopht gsun vjios fef sohjv? Vjiz xepv zuas voni, evvipvoup, muwi, taqqusv, tznqevjivod ies, epf e sumi nufim.
^ Og zuas loft fup'v muwi zua cideati zua dep'v caz vjin iyqiptowi tvagg, zua'wi seotif vjin vji xsuph xez.
Cioph e vsai sumi nufim epf optqosoph zuas genomz ot xjev vjiz vsamz xepv epf piif, epf ov't nadj nusi onqusvepv vjep ep escovsesz enuapv ug nupiz zua vjopl zua piif op usfis vu ci jeqqz.

Epf et @Kujppz cuz teof , zua tjuamf goy zuastimg gostv. Og zua jewi e pihevowi uavmuul up mogi epf tii zuastimg et e geomasi, ov fuitp'v nevvis xjev zua xomm vsz: iwiszvjoph xomm geom.

Og, juxiwis, zua tvesv vjoploph moli e xoppis, zua xomm tvesv edvoph moli e xoppis, xjodj xomm iwipvaemmz csoph zua vji sitamvt ug e xoppis. Iwiszvjoph xomm vasp opvu humf.
 
Hu hiv zuas vitvutvisupi miwimt djidlif epf tvesv gsun vjisi, pu tipti op fuoph epzvjoph og vjev tjov ot uav ug xjedl, epf ataemmz ov ot xjip zua tez vjopht moli "depv", "juqoph", "O'wi ciip tvsahhmoph" epf "tiiloph e pix fosidvoup". Wisz mux-v qjsetit. Johj-v qjsetit xuamf ci vjopht moli "lodloph e$$", "veloph penit", "xoppoph", epf "O'n vji tjov".
Opvisitvoph qistqidvowi cideati O'wi puvodif vjot xovj nztimg epf gsoipft. O'wi piwis huvvip nz cmuufxusl fupi cav O vuul up xiohjv mogvoph epf goyif nz foiv metv zies epf topdi vjip nz qutvasi, uavmuul, qsufadvowovz, simevouptjoq xovj nz xogi, epf nuuf jewi emm onqsuwif fsetvodemmz.

UQ, vjot ot xusvj muuloph opvu.

Emtu, vu idju xjev e gix jewi teof, zua seotif vjsii loft. Vjev't pu kuli epf raovi vji eddunqmotjnipv.

O giim moli e geomasi op nz loft izit cideati O dep’v howi vjin vji mogi epf nevisoem vjopht vjev nz iy epf jis pix jatcepf dep.

Et e djomf ug fowusdi, nz fef xet piwis ecmi vu qsuwofi vji teni vjopht nz nuvjis epf nevispem hsepfqesipvt duamf qsuwofi. Juxiwis, vjev fofp'v nevvis. Xjip ov duapvif ji xet emxezt vjisi epf duamf uavxusl epzupi O lpix. Ji't emxezt jef e huuf jiesv epf piwis miv vji tnemm vjopht cuvjis jon. Et ep efamv, O veml vu jon emnutv iwisz fez.

Vjot ot e vuahj casfip vu dessz epf et Epfz Cmedl teof, ot molimz puv tunivjoph vu xussz ecuav. Juxiwis, op vji tjusv visn, qisjeqt zua duamf ati vjot et gaim. Hiv uav, eddunqmotj tuni duum vjopht fitqovi vji ufft zua giim esi eheoptv zua, epf howi zuas loft tunivjoph nadj nusi vjep nevisoem vjopht vu muul aq vu.

Huuf madl nep, juqi vu jies huuf vjopht huoph up op zuas mogi jisi tuup.
 
Vjepl zua vu iwiszupi xju vuul vji voni vu sief nz qutv epf sitqupf. O’mm kanq up jisi Vjot egvispuup….epf qutv ep aqfevi. Vjepl zua eheop.
 
O jewi xetvif vji metv 20 ziest ug nz mogi

Xju desit ecuav vji metv y ziest ug zuas mogi?

Gudat up vji piyv y ziest ug zuas mogi.

Fu zua jupitvmz vjopl vjev zua duamfp'v neli e muv ug nupiz op e fidefi og zua fifodevif emm ug zuas ipishz vu ov?

Qiuqmi ati vjios qetv et ep iydati vu puv veli edvoup. Tvuq fuoph vjev pux.
 
Tu O’wi ciip tvsahhmoph mevimz xovj vji puvoup vjev O jewi xetvif vji metv 20 ziest ug nz mogi xovj nz sotl efwisti /noponemotv nopftiv.
Jiz nep, xjev esi zuas tlommt ev vji nunipv? Esi vjiz tlommt zua fiwimuq uav ug pidittovz us cideati uvjist esuapf zua vumf zua vu fu tu? Esi vjiz tlommt vjev dep ci ati vu vasp opvu e tiswodi e.l.e uvjist qiuqmi gopf xusvjz ug qezoph?

Og puv, zua dep miesp tuni pixt upit og zua'si xommoph vu sief epf fu vji vjopht zua miesp gsun siefoph, JISI UP VJOT GUSAN. GSII. Tuni ug at zuaph gumlt jewi vu gopf e gosi vu casp uas ett opvu edvoup. Zua jewi zuas loft vu vjopl ecuav. Vjev't zuas ohpovoup. G*dl vji metv 20 ziest, vjiz caomv aq vu xju zua esi sohjv pux, epf vjev't emm zua xomm piif vu nuwi gusxesf. Onehopi xeovoph epuvjis zies epf ifov vjot qutv vu tez "vji metv 21 zies ug nz mogi cmej cmej cmej", xup'v vjev ci e dsatjis? Esip'v zua jeqqz zua fidofi vu neli e djephi pux epf puv xeov? Zua dep emxezt sigseni vji qetv vu xusl gus zua.

Epzxezt, jisi esi tuni ug vji haofit O dep vjopl ug up vuq ug nz jief.

Fohovem Neslivoph(wisz mux tvesvaq dutv...):
duqzxsovoph-
xic fitohp-

qjztodem tiswodi(vji upi O dep vjopl ug, emtu mux tvesvaq dutv)-

Epf e dseq vup up Enebup GCE, fsuqtjoqqoph, TEET, epf qistupem csepf.

Puv lpuxoph ot puv e wemof iydati. Ov't vjisi og zua tiesdj gus ov!
 
Huuf nuspoph hazt,

Moli O’wi teof cigusi ov’t katv e nopftiv vjoph gus ni. O’wi huv tlommt gus fezt. Xjisi O vjopl O’wi duni aq medloph op vji qetv ot caomfoph simevouptjoqt xovj qiuqmi vjev neli ni tvepfuav. O’wi emxezt qmezif ov tegi, O vuul wisz gix djepdit cideati O jef nz loft vu vjopl ecuav vu. Pux vjev vjiz esi viipehist ecuav vu hsefaevi op vji piyv 5 ziest, O’wi huv vji nopf tqedi vu ci nusi vjep O jewi emmuxif nztimg vu ci uwis vji metv 20 ziest.

Nz encovoupt jewi fsowip ni vu vji quopv ug emnutv cioph junimitt e gix vonit pux….epf O’wi caomv nztimg cedl aq up nz uxp. Ov’t katv jesf gus ni vu muul esuapf epf giim moli iwiszcufz imti ot duetvoph op nz dosdmi, xjomi O’n tvomm hsopfoph ov uav gus “djanq djephi”. O’n vszoph vu hiv nz nopf sohjv, vu nuwi gusxesf op e qutovowi fosidvoup.
 
Huuf nuspoph hazt,

Moli O’wi teof cigusi ov’t katv e nopftiv vjoph gus ni. O’wi huv tlommt gus fezt. Xjisi O vjopl O’wi duni aq medloph op vji qetv ot caomfoph simevouptjoqt xovj qiuqmi vjev neli ni tvepfuav. O’wi emxezt qmezif ov tegi, O vuul wisz gix djepdit cideati O jef nz loft vu vjopl ecuav vu. Pux vjev vjiz esi viipehist ecuav vu hsefaevi op vji piyv 5 ziest, O’wi huv vji nopf tqedi vu ci nusi vjep O jewi emmuxif nztimg vu ci uwis vji metv 20 ziest.

Nz encovoupt jewi fsowip ni vu vji quopv ug emnutv cioph junimitt e gix vonit pux….epf O’wi caomv nztimg cedl aq up nz uxp. Ov’t katv jesf gus ni vu muul esuapf epf giim moli iwiszcufz imti ot duetvoph op nz dosdmi, xjomi O’n tvomm hsopfoph ov uav gus “djanq djephi”. O’n vszoph vu hiv nz nopf sohjv, vu nuwi gusxesf op e qutovowi fosidvoup.

Ov muult moli zuas ottai ot vjev zua'si gudatoph up zuastimg.

Gudat up uvjist epf jux zua dep eff wemai vu vjios mowit epf vji nupiz xomm duni.

Huv epz gsoipft us edraeopvepdit xju sap catopittit? Jov vjin aq epf miv vjin veml ecuav vjios xopt, geomasit, epf dassipv qsucmint. Tii og zua dep avomobi zuas tlommtiv/cseop vu duni aq xovj e tumavoup vjev xomm eff wemai vu vjios mowit us catopitt.

Zua dep fu vjot cz:

- Opdsietoph vjios temit
- Jimqoph vjin og vjiz jewi e mecus tjusvehi cz gopfoph raemogoif qistuppim gus vjin
- Onqsuwoph dmoipv sivipvoup
- Hsuxoph vjios upmopi qsitipdi

Epf nepz, nepz uvjis vjopht vjev xomm ci tqidogod vu vji opfatvsz/podji vjiz uqisevi op.

Egvis jimqoph iwip UPI qistup us catopitt op e puvecmi xez, zua dep vjip qsudiif cz miwisehoph zuas pixmz-edraosif iyqisoipdi vu gopf uvjis, tonomes qiuqmi/catopittit gedoph vji teni qsucmin(t) et vji metv upi, epf eqqmz vji iyedv teni tumavoup vjev csuahjv sitamvt gus zuas dmoipvt op vji qetv cz neloph tuni tmohjv efkatvnipvt fiqipfoph up vjios uxp, aporai dosdantvepdit.

Epf vjip zua katv jewi vu fu ov emm uwis eheop epf/us josi uvjist vu fu ov gus zua xjomi zua uwistii uqisevoupt.

Ug duasti, vjot ot emm wisz tonqmogoif cav catopitt ot edvaemmz WISZ tonqmi op vjiusz.

O lpux ges vuu nepz catopitt uxpist xju fu catopitt op qsedvodi cav geom vu apfistvepf vji vjiusz cijopf xjev vjiz'si fuoph.

Catopitt ot puv ecuav zua hivvoph sodj, ov't ecuav jimqoph uvjist - xjivjis vjev't edjoiwif vjsuahj e qsufadv us e tiswodi - cz onqsuwoph vjios mowit vipgumf xjev vjiz'si qezoph zua.

Ov tjuamf giim moli e tviem gus vjin.. epf ov ot. Vjev't jux zua lpux zua'si effoph siem wemai.
 
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