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5 Ways Millennials Can Start Building Their Future Today

5 Ways Millennials Can Start Building Their Future Today

There has been a lot written about the way millennials are approaching the world of work in a very different manor to previous generations. We tend to place a strong emphasis on making sure that we work simply to enjoy life to the fullest, rather than only working to live, and you will often hear many people talking about wanting to live only in the now.

These are positive ideals that I very much subscribe to, but aside from being millennials, we’re also known as Generation-Rent thanks to the way our carefree attitude to life and finances in general mean that many of us will never get to own our own home. This is as much to do with our generation being priced out of the market as it is a question of choice, but this one example doesn’t bode all that well for our long-term futures.

I have zero interest in being the killjoy who tells everybody to get serious and get to work, but I do think there are a number of little things that we could be doing now in order to better prepare ourselves for a slightly more prosperous future.

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1. Get a Roommate

If you’ve already got one, cool, but for many people the moment you move into your own flat is a seminal one that proves you’re now a fully-fledged adult with your own established place in the world. This is awesome, well done, but is it really all that important for you to be living alone right now? I am very guilty of having gone down this same route. I have paid a high price for it, and looking back I realise that I would have saved a lot of money if only I had continued to live with friends.

Even if you aren’t ready to ditch your independence completely, there has never been a better time than now for you to rent out a spare room via Airbnb in order to save some extra cash. This is never more true than when you go on holiday and your home is just left sitting there completely empty. Not only are you blowing all your cash on a good time in Ibiza, but you’re paying the rent too. Rent it out and pass that cost onto somebody else. Doing so should at least cover your drinks’ bill.

2. Turn Your Blog Into a Business

Our generation is able to benefit from technology in ways never previously accessible to our parents and grandparents. The internet may waste almost as much of our time as it does provide us with amazing opportunities, but this is something we really have to turn to our advantage. This is especially true for those people who run their own blogs.

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You might think of your blog as not much more than a hobby where you post your writing, art, photography, or any of the other things that resonate with you personally, but this passion could be something that you could turn into a little cash. Advertisers may be interested in buying space on your page if you’re attracting a lot of daily traffic.

And if you’ve got unique content on there that could be turned into merchandise, there might just be a market willing to buy from you. This could get a little complicated and involve a bit of training and some ecommerce CRM software to make this transition a reality, but the long-term rewards will be well worth the hassle.

3.  Be Money Smart

One of the big problems for many people is not that they don’t have any money. It is more often the case that they just don’t manage it well. When you live hand to mouth it is hard to think about saving, but it’s even harder to do this if you just bury your head in the sand and don’t think about it all.

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Aside from trying to work out little ways in which you could budget and save money each month, you should also review all of your financial arrangements. Banking is a business just like any other. You might be perfectly happy with your bank and credit card, but are they really giving you the best market deal? Chances are you probably have no idea.

You might not be able to pay off your credit card over night, but in a few clicks you could very well move all your debt over to a card where for the next year or more you will have 0% interest on the balance you moved.

4. Learn a Second Language

Budgeting and money saving where you can are great ways to build up a little nest egg but so too is education. If you can promote yourself as being bilingual on your CV, there is a good chance that this will make your odds of getting a new job significantly better. Langue learning via a school or an academy can be quite time consuming and expensive, but there are a number of cheaper ways to go about this.

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In many big cities there are often “intercambio” opportunities where you can find people who want to meet up over coffee and spend half the time speaking in their language and the other half in yours. This is great for those people who already have a base knowledge and want to push on. And for absolute beginners there are lots of free resources online which you can use to get started.

5. Buy a Bike

For city dwellers and those that commute from the outskirts each day, travel costs can take up a high percentage of your monthly outgoings. By investing in a decent second-hand bike, or even a cheap brand new one, you’ll not only save money in the long run, but you’ll be improving your health and saving the environment as you do it.

Many major cities understand how beneficial having a bustling bike culture is with extensive bike lanes and low-cost bike share services being a fixture of places like Barcelona, Paris, New York and London. Even if your own city doesn’t have these kinds of luxuries, there’s no reason why you can’t saddle up anyway in order to start saving some money.

Featured photo credit: http://getrefe.tumblr.com/ via 67.media.tumblr.com

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Last Updated on February 13, 2019

10 Things Happy People Do Differently

10 Things Happy People Do Differently

Think being happy is something that happens as a result of luck, circumstance, having money, etc.? Think again.

Happiness is a mindset. And if you’re looking to improve your ability to find happiness, then check out these 10 things happy people do differently.

Happiness is not something ready made. It comes from your own actions. -Dalai Lama

1. Happy people find balance in their lives.

Folks who are happy have this in common: they’re content with what they have, and don’t waste a whole lot of time worrying and stressing over things they don’t. Unhappy people do the opposite: they spend too much time thinking about what they don’t have. Happy people lead balanced lives. This means they make time for all the things that are important to them, whether it’s family, friends, career, health, religion, etc.

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2. Happy people abide by the golden rule.

You know that saying you heard when you were a kid, “Do unto others as you would have them do to you.” Well, happy people truly embody this principle. They treat others with respect. They’re sensitive to the thoughts and feelings of other people. They’re compassionate. And they get treated this way (most of the time) in return.

3. Happy people don’t sweat the small stuff.

One of the biggest things happy people do differently compared to unhappy people is they let stuff go. Bad things happen to good people sometimes. Happy people realize this, are able to take things in stride, and move on. Unhappy people tend to dwell on minor inconveniences and issues, which can perpetuate feelings of sadness, guilt, resentment, greed, and anger.

4. Happy people take responsibility for their actions.

Happy people aren’t perfect, and they’re well aware of that. When they screw up, they admit it. They recognize their faults and work to improve on them. Unhappy people tend to blame others and always find an excuse why things aren’t going their way. Happy people, on the other hand, live by the mantra:

“There are two types of people in the world: those that do and those that make excuses why they don’t.”

5. Happy people surround themselves with other happy people.

happiness surrounding

    One defining characteristic of happy people is they tend to hang out with other happy people. Misery loves company, and unhappy people gravitate toward others who share their negative sentiments. If you’re struggling with a bout of sadness, depression, worry, or anger, spend more time with your happiest friends or family members. Chances are, you’ll find that their positive attitude rubs off on you.

    6. Happy people are honest with themselves and others.

    People who are happy often exhibit the virtues of honesty and trustworthiness. They would rather give you candid feedback, even when the truth hurts, and they expect the same in return. Happy people respect people who give them an honest opinion.

    7. Happy people show signs of happiness.

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    smile

      This one may sound obvious but it’s a key differentiator between happy and unhappy people. Think about your happiest friends. Chances are, the mental image you form is of them smiling, laughing, and appearing genuinely happy. On the flip side, those who aren’t happy tend to look the part. Their posture may be slouched and you may perceive a lack of confidence.

      8. Happy people are passionate.

      Another thing happy people have in common is their ability to find their passions in life and pursue those passions to the fullest. Happy people have found what they’re looking for, and they spend their time doing what they love.

      9. Happy people see challenges as opportunities.

      Folks who are happy accept challenges and use them as opportunities to learn and grow. They turn negatives into positives and make the best out of seemingly bad situations. They don’t dwell on things that are out of their control; rather, they seek solutions and creative ways of overcoming obstacles.

      10. Happy people live in the present.

      While unhappy people tend to dwell on the past and worry about the future, happy people live in the moment. They are grateful for “the now” and focus their efforts on living life to the fullest in the present. Their philosophy is:

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      There’s a reason it’s called “the present.” Because life is a gift.

      So if you’d like to bring a little more happiness into your life, think about the 10 principles above and how you can use them to make yourself better.

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