Friday, November 20, 2015

Minimalist Wallet Contents for a Traveling Woman: 11 Items

With this day and age, our society is continuously coming up with fantastic ideas for consumers such as rewards programs, cash back, and miles being offered. There's just one problem, how can you be a minimalist if you carry all of them with you? Your wallet starts expanding, you have to take it out of your pants in order to sit down, time is wasted shuffling through the plastic rectangles, etc. I finally had enough when I thought I had lost my credit card. Turns out, it was only sitting behind my Kohl's charge card.

Not being able to find anything, especially after working 12 hours, and rummaging through "junk" is so frustrating! This post is another step towards minimalism and I hope it becomes a motivating tool to live better with less. Stop wasting precious time digging through mountains.


11 Item Minimalist Wallet:
  1. ID - Carefully edited by me
  2. Insurance Card
  3. PNC Virtual Wallet - Debit Card
  4. Capital One Journey - Credit Card
  5. Sam's Club Membership Card
  6. Cash
  7. Pink wallet with zipper pouch - Great for coins and SD cards
  8. Carabiner
  9. Pocket Key Knife
  10. Honda Car Key
  11. Rite in the Rain Trekker Pen - for writing experiences in my Rite in the Rain book

Goal: 7 Items

I'm going to try and downsize this even more. Some companies allow customers to use their phone instead of carrying physical cards. Eventually, I'd like to find a waterproof book case with a phone and ID holder so I can just carry my Rite in the Rain book!

What about carrying a purse? 
Umm,.. yea... about that. Nope. 

Wednesday, January 14, 2015

Minimalistic Wardrobe for a Traveling/Working Woman




This mountain equals about 4 loads of laundry. After taking an entire day to wash and dry everything, I've realized that this is just laziness. I needed to put a stop to it, so I decided downsizing my wardrobe would be my first project for this blog. On top of downsizing, I would be able to find and wear that favorite shirt a little more often. Below are the steps I took to reduce the clothes from my closet.

Obviously the first step is to wash everything. Then dump it on your bed.

Make a list of essentials. I used pictures from Google images as inspiration to cut down. I'm a simple woman so I don't need many accessories. However, if you feel you need them, write them down. The following picture was found on http://lifestyle.sg.88db.com/things-to-do-that-dont-cost-money/. It helped me tremendously put together my first list.

Minimalist Wardrobe

Transitioning from the mountain to a list was a difficult task. It requires a lot of patience and retraining your brain to stop from thinking you need everything. Eventually, I will try to downsize again, but for now, this works for me.

My list of essentials include:
10 Pairs of Socks
4 Bras 4 Sports Bras
10 Underwear
8 Jeans
2 Shorts
4 Tank Tops
8 Shirts
4 Dress Shirts
5 Dresses 3 Formal/2 Semi-Formal
*Uniforms: Paramedic/Nondestructive Technologist
Bikini
Shoes: Flip Flops, Sneakers, Work Boots, Flats, Heels, Furry Boots

Everything I wanted to keep, was separated and folded.

The remainder of my items were placed in garbage bags and moved under the bed. This allowed me to adjust to my new wardrobe and if I did absolutely need anything, I could grab it. The clothes are staying under my bed for about 4-6 months. If in that time, I don't grab anything, they will be donated or given to friends. This is just my personal experience downsizing. If you feel you're okay with going straight to the donation center, I admire you.

So far, the results have been pleasant. I'm on week 2 with my downsized wardrobe and have only worn the clothes I really enjoy. I feel fresh and dressed for any occasion. I've had nothing but compliments recently. It's definitely motivating.



**As time goes on, I'll update this post to share the changes I've made, including more pictures. Til then, I want to hear your minimalistic approach to your wardrobe and the steps that were taken to reduce it! I would also like pictures of the results!



01-06-15: I went to London with just a backpack. See my minimal list for the journey here.


05-25-2016: It's been well over a year since I've written this post. At this current time, I feel that it is a tad misleading since my work has changed. This week I'll be working on a more updated post of everything I brought with me for my new work wardrobe. Check back soon!

Credit Karma: A Personal Review to Easily Keep Track of your Credit Score


First off, I want to say, amazing app. I've been using it for a year now and can completely keep track of all my credit. Though I only have 2, my car and credit card, I can assure myself I am on the right path every month.
           
Credit Karma works with TransUnion, one of the 3 major credit bureaus. When first signing up, Credit Karma does a soft hit on your credit report to give you your score. Credit Karma will not look at your score again. Instead, monthly, a new estimated credit score is given to you based on your record. 

What's the difference between a soft hit and a hard hit? Hard hits permanently stay on your record for approximately 2 years. I just watched my third hard hit get removed! Hard hits are generated when applying for a new loan such as a car, credit card, or house. It's a hard hit because the banks are about to lend you money. If multiple hits are generated at the same time, it can affect your credit score negatively by reducing the number. Soft hits only check your credit and is similar to a background check.* To view more information about the differences in soft and hard inquiries, visit Credit Karma.

I definitely give the creators two thumbs up for this app and 5 stars! I highly recommend it for everyone to keep track of their personal life and be able to set realistic goals for themselves.

*Be sure to do your own research to make sure certain hits stay off your credit.