Geld sparen GirlBossHeaven

Zum Thema “Geld sparen“ … und den ganz großen Träumen

Wie jetzt? Schon wieder zu wenig Geld übrig, um etwas aufs Sparkonto zu legen? Aber das letzte Mal, als ich aufs Konto geschaut habe war da doch noch was übrig. Wird wohl nichts mit dem Sparen

Kommt euch das bekannt vor? Dann wird euch der heutige Beitrag sehr gefallen. Für euch habe ich meine persönlichen 3 Top-Tipps fürs Geld Sparen zusammen gestellt + eine kleine inspirational speech, warum Sparen echt wichtig ist.


Jetzt, da das Jahr sich dem Ende zuneigt macht man sich natürlich wieder Gedanken über das nächste Jahr und was man erreichen möchte.

Warum ich aber immer noch manchmal im Jahr 2016 stecke? Findet es heraus: Klick.

Einige von euch möchten sich bestimmt als Mensch weiterentwickeln und eine noch bessere Version von sich selbst werden. Das ist ein Ziel, das ziemlich ohne jeglichen finanziellen Aufwand zu schaffen ist. Zum Glück! Go for it!

Motivational quote Pinterest hustle

Vielleicht werdet ihr aber doch das ein oder finanzielle Ziel auf eurer Liste haben. Ziele, die nun mal mit dem Ausgeben von Geld verbunden sind.
Kleine Ziele, die man ohne großes Sparen erreichen kann… ein neues Kleidungsstück, ein Konzertticket …
Oder eben die großen gigantischen Ziele. Diese großen Ziele, die man ohne das richtige Sparen leider nicht verwirklichen kann… ein langersehnter Umzug, eine Fernreisen, ein neues/erstes Auto …

Egal ob eure Ziele klein oder groß sind. Sie sind für euch selbst sehr wichtig. Man kann hier nicht groß mit klein vergleichen. Oft haben wir beide Arte von Zielen. Aber wie eben schon geschrieben: die kleinen Ziele haben meist einen geringeren finanzielle Aufwand und deswegen realisieren wir sie oft ohne groß darüber nachzudenken.

Wie schnell haben wir uns die dritte Handcreme bei unserer Lieblingsmarke gekauft, nur weil wir diesen Duft noch nicht haben? Daheim warten aber schon 2 andere Handcremen. Neue Handcreme und 12 Euro weg.

Oh, schon wieder 30 Euro bei dm ausgegeben, obwohl nur Sachen in Wert von 10 Euro auf der Einkaufsliste standen

Schnell mal nach München auf den Weihnachtsmarkt gefahren, weil halt grad die Jahreszeit dafür ist. Ergebnis: Fahrtkosten 23 Euro, Glühwein für 15 Euro und vielleicht noch etwas zu essen oder ein kleines Goodie für einen selbst = grob 50 Euro ausgegeben.

Und am Ende des Jahres stehen wir da und haben all diese kleine Ziele verwirklicht und gar nicht realisiert, dass nun kein Geld mehr für die großen gigantischen Ziele da ist… weil diese eben oft noch in weiter Zukunft liegen oder einem zu unrealistisch erscheinen, um über ihre Verwirklichung ernsthaft nachzudenken. Das ist das tückische an großen Zielen.

Motivational quote Pinterest hustle
Aber wir wollen sie doch unbedingt erreichen! Oft schlagen unsere Herzen nur für diese großen Ziele. Da ihre Verwirklichung aber oft lange Zeit dauert, trösten wir uns mit kleinen Dingen. Diese summieren sich auch. Und am Ende haben wir uns damit den Weg zu den großen Zielen verbaut. Wollen wir also lieber auf unsere großen Ziele verzichten, nur weil es nicht durchgehalten haben eine Zeit lang auf gewisse andere Dinge zu verzichten?
Wie wichtig ist diese dritte Handcreme, wenn du dafür in einem Jahr in deine Wunschstadt umziehen kannst? Wie nahe kommst du deiner lang ersehnten Reise nach Australien, wenn du einmal weniger nach München fährst?

Versteht ihr was ich verdeutlichen will? Natürlich könnte man hier argumentieren, dass die eine Handcreme gar keinen Unterschied auf eurem Sparkonto macht. Exakt diese eine Handcreme tut das auch nicht. Aber zusammengerechnet mit der Fahrt nach München oder dem zu teuren Einkauf beim dm tut sie das! Es hängt alles zusammen. Sparen ist wie ein Kreislauf. Und der ist nur erfolgreich mit der richtigen Einstellung.

Geld sparen GirlBossHeaven

Sparen geht nicht ohne eine Analyse eurer „Ausgangssituation“

Ich muss grad etwas lachen, da ich tatsächlich an meine Bachelorarbeit denken muss. Darin schreibe ich, dass man Probleme nur lösen kann, wenn man zuerst eine Analyse der Ausgangssituation gemacht hat. Nur so kann man wissen, was das eigentliche Problem ist und wo man ansetzen muss.

Also, im Bezug aufs Sparen bedeutet das:

  • Wie ist eure momentanes Ausgabeverhalten?
    Macht euch einen Monat lang (vom ersten bis zum letzten Tag) eine detaillierte Liste mit jeder einzelnen Ausgabe. Ja, auch der Kaffe to go am Morgen oder der Müsliriegel aus dem Supermarkt. Jeder einzelne Cent an Bargeld und jede Abbuchung von eurer EC-Karte oder Überweisungen
  • Analyse eures Ausgabeverhaltens
    Dank eurer detaillierten Liste könnt ihr nun sehen, wo euer Geld tatsächlich hinfließt. Der Teufel steckt nämlich in den kleinen Details. Markiert euch mit verschiedenen Farben, welche Ausgaben definitiv vermieden werden können, welche nur einer günstigeren Variante bedürfen und welche notwendige Ausgaben sind. Das wirkt Wunder.

Sparen geht nicht ohne Planen

Da ihr nun ein Bild habt, wo eure Ausgaben liegen, müsst ihr nun anfangen zu planen. Stellt euch dazu folgende Fragen:

  • Wie viel Geld habe ich nach Abzug aller notwendigen Ausgaben noch zur freien Verfügung?
  • Wie lange habe ich zum Sparen, bis ich mein großes Ziel verwirklichen will?
  • Wie viel Geld kann und muss ich jeden Monat zur Seite legen, damit ich den Zeitrahmen einhalten kann?

Alle Fragen beantwortet? Super!

Je nachdem wie eure Antworten aussehen, könnt ihr nun einen Plan aufstellen. Am besten ihr richtet für den Anfang jedes Monats einen Dauerauftrag auf eurer Sparkonto ein oder ihr erstellt für die nächsten zwei Monate jeweils eine Überweisung auf euer Sparkonto. Erkundigt euch bei eurer Bank inwieweit im Voraus man eine Überweisung erstellen kann. Achtet darauf, dass der Dauerauftrag/die einzelnen Überweisungen jeweils am Anfang des Monats weggehen, damit ihr nicht in Versuchung kommt das Geld auszugeben. Da jetzt weniger “freies” Geld auf eurem Konto ist, seid ihr auch gezwungen über jede Ausgabe nachzudenken, ob sie tatsächlich notwendig ist. Glaubt mir, das wirkt Wunder! In Notfällen oder bei unvorhergesehenen Ausgaben könnt ihr das Geld ja jeder Zeit wieder zurück holen.

Sparen geht nicht ohne klare Ziele

Last but not least: erstellt eine klare Vorstellung von euren Zielen! Nichts ist schlimmer als sparen zu wollen/zu müssen ohne konkret zu wissen wofür. Nur eine verschwommene Version reicht nicht dafür aus. Da werdet ihr scheitern. Auch wenn euer großes Ziel noch weit weg ist, versucht alles, um es möglichst real zu machen.

Ihr wollt eine große Reise buchen? Holt euch die altmodischen Kataloge aus dem Reisebüro, erkundigt euch nach Flug und Hotelpreisen oder folgt Leuten, die aus eurem Wunschland kommen. So habt ihr es immer vor Augen.

Ihr wollt endlich in eure Wunschstadt umziehen? Sei es vor oder nach dem Studium, für einen neuen Job oder einfach zurück in eure Heimatstadt. Schaut euch nach einer Wohnung um, auch wenn ihr erst in einem Jahr oder so umziehen mögt. Das verschafft euch einen guten und realen Eindruck, auf was ihr sparen müsst. Tretet mit Leuten, die in eurer Wunschstadt wohnen in Kontakt oder folgt ihnen auf IG.


Bei mir persönlich ist das Thema „Sparen“ ganz aktuell und ich war inspiriert meine neu errungenen Kenntnisse diesbezüglich mit euch zu teilen. Und ein weiterer Vorteil hier ganz öffentlich darüber zu sprechen: ich muss mich jetzt selber dran halten. Habt ihr noch weiterer Tipps bezüglich dem Thema „Sparen“? Teilt sie mit mir hier oder per Mail oder auf IG.

Hinterlasst mir einen Koommentar, wenn euch diese Tipps geholfen und motiviert haben zu sparen!

laptop new yorc city picture empire state building

How to: Bachelor thesis – Part #1

Oh boy. I am still in shock when I am sitting in front of my computer brainstorming for my bachelor thesis. Ahhhhh. How did time fly by so fast? I am for real doing the first steps in starting my bachelor thesis. This means my university time is basically over. Let that sink in for a moment. O V E R.
In order not to panic or to be paralysed by all the tasks and responsibilities awaiting me, I created a few guidelines for myself. Guidelines to live by and to pass on to everyone, who is in the same situation right now. It also doesn’t matter if you only write a paper/assignment for your class or if it is your bachelor or master thesis. I hope you find those guidelines helpful. Let me know in the comments below!


I set those guidelines at a point, when I already had chosen my topic and the broad range of information I want to put into my thesis.

Make a plan

This one is one of my favourite tips/guidelines ever. It doesn’t matter which topic I am writing a blogpost about, making a plan is always included. Why? Because planning things out is awesome and super effective.

Overall time schedule
The first kind of plan you have to think of is a time schedule. Papers/Thesis/assignments always have a certain period of time in which you have to finish writing it. You should never ever miss one of those deadline, because you can easily avoid this disaster. A time schedule should include your start date and the date you have to turn your work in. I always try to finish one or two weeks beforehand in order to have enough time left to re-write something or to read over it a few times. Now that you have set the broad frame for your work, it is up to you if you want to create more steps along the way. I am thinking of a reading period, a brainstorming period, a writing period ….

Schedule working periods
I am currently experiencing firsthand how it is to be working full time and still having to do university stuff afterwards. It is exhausting and sometimes makes me want to crawl in bed and hide there. But that is not what girlbosses do! One day I sat down and wrote down some points I needed to follow in order to get my sh** together. One of those things was: Schedule your working/writing/reading periods. It is so easy to come home after work/in the morning before going to work to just chill and do nothing. But when I schedule it like all of my other appointments I am more likely to do it.
A little something goes a long way. One hour or even ½ hour every day adds up at the end of the week. The best thing about it? I feel awesome afterwards. I feel like I’ve accomplished something even though I was so not in the mood for it. Best feeling e  v e r.

laptop new york city picture empire state building

Take a break

 Take a break. Stretch. Go to the airport. Buy a plan ticket and just leave.

Wouldn’t that be an awesome type of a break? Sadly, those types of breaks are only allowed after you have finished and handed in your thesis/paper. Let’s get back to those realistic breaks. There are different types of breaks I am thinking of.

5 minutes break: a break, where you get of your chair. Open the windows. Drink water. And stretch. And go back to work again. A little refresher.

Food break: Food aka a real meal should never be consumed while sitting in front of the computer working (except maybe when watching Netflix. Okay I’m totally guilty of this). My time frame for a good food break is 40 – 60 minutes. Not longer. Have your food. Enjoy it and try to unplug from your work. After you have filled your body with good nutritious foods (and you still have time left of your break) go for a short walk outside. It helps you to not feel crazy full and sluggish after your break. It also works as a refresher for your mind.

One day break: The type of break you take when your brain and thinking mind just need a break. The stuff and thoughts you produce are not of high quality anymore and you’re just sick of working on your paper/thesis that is when you take one day off. Like completely off.  Not doing anything for this paper/thesis. Not even thinking about it.


To be continued …

 

clocks of different time zones

How I became an early bird

Either you are already getting up early due to work and you want to kind of enjoy it more. Or you are like me and you are stuck in a circle of going to bed late and as a consequence getting up late.
I am happy to announce: YOU can be an early bird! I did it … and became an early bird myself and that is why I want to share with you how I made it work.

Before we head into my tips, a little storytime:

In my case going to bed late meant: never before 11pm – midnight. Getting up late meant: never before 10am – 11am. (Tell me about your usual bed times in the comments below). That was my routine. Especially during exam times, that is when it got really bad. I told myself that I do study best around 10pm -1.30am. That’s the timee when the world is quiet; no messages, no phone calls, no posts on IG … As a result I slept in every day. The world around me was already wide awake, when I first opened up my eyes. And I was fine with that. I did not have a problem with my day starting when days of others were already half done.
This extreme staying up late got a little bit better everytime when exams were over. But still, …

When I became more interested in the topic of personal development and being efficient with my time, I knew I had to change something. That is what I did. I watched tons of YouTube Videos, read many blogposts about ‘How to get up earlier’. Quickly it became pretty clear what the basics for getting up early are. Not everything worked for me. And that is totally fine. Oh boy! How it changed my life for the better. Try it and you’ll understand what I am talking about. My “getting up late”-me would be shocked how much I like it. I’ll do another blogposts about the benefits I experienced of getting up early. Stay tuned.


Go to bed early

This might sound so obvious to you, but I actually made the mistake of continuing to go to bed late. How is your body supposed to get up early and function properly with a lack of sleep? I try to get at least 7-8 hours/nigh. Of course there are days, when this is just not possible, life keeps getting in the way. But try to stick with this most days of the week. To not shock my body right away, I went to bed 15 minutes earlier everyday. And a few weeks later I reached my goal bed time (for me, I chose 10pm – not later; depending on my scheule for the next day)

Unplug an hour before bed

For me that meant putting my phone away (I even turn it off completely every night. Some of my friends don’t even know how tot turn theirs off. haha). Closing my laptop and not watching my favourite Tv series. Not being online and dealing with those devices, I started taking this new spare time to deal with myself. I finally had time again to read a good book.

book

I also created the habit of doing a little (or a big) calming yoga sequence. This helped me relax so much. When I now go to bed, I am already more at ease and more calm. No more tossing around in bed thinking all the thoughts in my head. My mind is calm.

These are afew of my favourite yoga routines for bed timeYoga with Adriene

Set several alarms

This is a little radical, but somehow effective. When my alarm went off, I was normally awake right away (sounds good, right?) But the only reason I was awake and up at my feet so quickly, was to try to hectically turn off my alarm… well, because it was so loud and disturbing. With such a harsh awakening, I instantly was in a bad morning mood.  In order to help let myself ease more into the day, I now set one alarm ten minutes before I actually have to wake up. I choose a calm and somehow quite tune for that one. Without any regrets I can snooze this one. At least my body is somehow awake now and I won’t be too shocked when my real alarm goes off a few minutes later. I  don’t really go back to a deep sleep after the first one, I rather let my body wake up really slowly.

In case you don’t trust yourself to wake up after the second real alarm, set another two or there. Or get a real alarm clock, like the one in the picture below. They are incredibly loud! I got a similar one at IKEA and when that one goes off, believe me, you are a 100% awake.

red alarm clock

Create a real morning & night routine

The great thing about a routine for me is: I know what to expect. This makes getting up early or going to bed early more easy. Those morning thoughts I had… like ‘It is so cold outside’, ‘I dont know if I should workout or not’, ‘What do I do first: shower, breakfast..?’ don’t work anymore. I now know how every of my mornings is going to look like. Get up, grab my prepared workout clothes, be active, shower, breakfast, then life. This is a proven routine for me. When I wake up, I just function … before my brain figures out what I am doing. Since I do it like this almost everyday, I know the benefits and I don’t question it.

There are some great #GirlBoss inspired routines on YouTube. Take a look at the two morning routines below. And can I just quickly say how much I adore Erin & Ashley ? Are you watching their videos already?


Most imporantly: don’t give up. There is a reason why the quote Old habits die hard is still a thing. Because it is true! It takes time to ajust to something new. Change is uncomfortable. But what matters most, is to do the first step, and after that one take the second step … It doesn’t matter how long it takes to reach your goal, as long as you don’t give up. Don’t give up, ok? Message me, if you are in need of some encouragement.

Why fitness makes you more organized

Hard work pays off. No excuses. Keep going. That’s what people say. And that’s exactly what I didn’t believe until one year ago. My fitness “routine” was all over the place. I did a little bit of cardio here, huge amounts of HIIT there and some random weight exercises now and then. I thought I was working so hard, but the results never came. I got discouraged and was about to quit working out for real.

And then this famous moment of “now I get it!” hit me. I basically stalked all of my fitness idols on Instagram and by idols I don’t mean fitness models, I mean those beautiful ladies, who are working out not because it is there job, but  because they like it. I saw a pattern on all of their accounts. They have a real routine. Something they do everyday, for every week of the year. They have a plan, guidelines, something like a road to results. Something that guides them to finally seeing a change. Of course those ladies will still experience ups&downs, but at least they were getting closer to their goals. Some things in life just work with a routine. Working out is one of them.
Do you already start seeing the connection between fitness and being organized? If not, keep on reading.


A workout schedule provides you with a structure for your week.

Our schedules can be become quite crazy from time to time and we are quick to just quit something that doesn’t seem as urgent for somehting that is screaming for our attention right away. And suddenly it is 10pm, we should be laying in bed soon and we haven’t done our workout yet. Sounds similar? Planning ahead prevents you from missing out on it. It provides you with a structure for your whole week, so you can plan your other appointments around it. Always keep in mind: working out is time you invest in yourself, your soul, your health and overall happiness. I personally think it is totally fine to schedule everything else around it. Because if we are not in our best shape, physically and mentally, we will not be able to perform efficiently in other parts of our lifes. Of course there are exceptions! There will be days when your family, your work or uni are just more important. I get it. I have those days too. Just give it this scheduling a try!
In order to create a workout routine, you need to plan every single one of your workouts: what/when/where/how long? (There are so many tools out there to help you with that. I’ll mention a few examples at the end.)

A planned workout leaves you with more time for other stuff.

So now that your workout schedule has provided you with a clearer structure of your week, let’s see what it can do to increase your spare time. I used to never know what I was actually going to do during my workout, I ended up searching for home workout videos or printable workouts for more than 10-15 minutes before every workout. That adds up to 90 minutes per week (working out on 6 days/week) !!!! 1,5 hours that could be spend with your friends and family or working on your future. Just think about it for one second!

Planning your meals ahead prevents you from stressing over what to eat.

Stress is a thief. It steals your hapiness and it steals your time. Stress is often unnecessary and occurs when there is a lack of planning and organisation. I often experienced that in situations where I had so much stuff to do and didn’t know which one to start with. I started stressing about that I was runing out of time, that I didn’t know which had priority number one. So I ended up losing so much time, instead of being productive. Or if I haven’t planned my meals ahead, so I was left with an empty fridge, the stores were already closed and I was getting so hungry (…and grumpy.. hahah). I started stressing about having nothing to eat that’s healthy and all of my progress would be lost.
But not anymore! Since using something looking like a timetable to write down my meals and making a grocery list, I always have healthy options at home. And that has made me so much happier, more calm and relaxed. (Timetable and grocery list from ToneItUp, Bikini Series 2017)

Journaling your workouts and meals

This has changed my life so much! I never thought it was actually possible. When I first read about journaling your workouts I thought it was old fashioned and time consuming. Journaling doesn’t have to consist out of a hardcover book and you writing by hand. For me that is my second Instagram account, posting a sweaty selfie or a pic of my food and writing a really short summary of my day and my workouts. The best thing about doing it online is: there are people out there reading it, commenting on it and encouraging you to push yourself! It gives you a feeling of having many accountability partners out there, which you don’t want to dissapoint. I would never lie to all of my followers there, but I also want to have something to post. Result: I workout and eat healthy. I take pictures to “prove” it. If I don’t do it, I have nothing to post. Just as simple as that.
I know this isn’t for everybody. Another option would be turning to a really good friend of yours and asking them to be your personal accountability partner. So you just text them what meals you had, what workouts you did and if you had slip-ups. It works the same.


Tools to organize your meals and workouts.

Either you are a creative person and you’ll create these tools yourself or you just use the tools you find on websites like Pinterest or websites of fitness gurus.
So if you’re like me then you’ll use the tools someone else provides. I made great experiences with ToneItUp. Attention: I’m a #TIU girl! With all of my heart. I am in love with this community. So go check them out!
When you are a member you get everything for free (like for example challenge programs), but they are offering tons (!!) of free stuff on there website. Under the tab “DailyWorkout” they post a workout routine for every single day.

There is even a printable “weekly schedule” available, where you can check your workouts off (they post it on the beginning of every week) Don’t worry if you don’t own any of the workout Dvds, you can easily exchange them with free workouts from their YouTube Channel.

Chances are high that at least one #BBG girl is reading this post. When I started BBG for the first time, I wanted some kind of overview of all the workouts I did and still had to do. There is this nice little timetable I found on Pinterest, which is just perfect for BBG, no matter which week you’re on (which week are you on btw? Leave me a comment). I used this “x” to mark worouts I’ve already completed and use the “o” to mark my planned workouts. “BootyCall” means something like “morning workout before breakfast”. I used to hate working out in the morning and now I am crazy proud to see so many completed morning workouts.

If you are looking for a workout schedule, which is not being provided by a fitness community, just go in Google, search in pictures and type in “blank workout schedule”. It works the same on Pinterest. The good thing with searching on Pinterest, there are so many posts comming up with completely written out workout schedules (just like the one from ToneItUp), so that is nice if you are still looking for a complete program.

Of course there are so many more fitness programs and websites out there,which provide you with all of the tools. These were the ones I tried out myself and worked really well for me.


Let me know in the comments below when you try out something I mentioned above and we can chat about pros&cons! I am always open for new tips or new programs, so hit me up!