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Don’t Know How to Balance Your Dream With Reality? Ask Yourself These 7 Questions

Don’t Know How to Balance Your Dream With Reality? Ask Yourself These 7 Questions

There are a couple things that all of us hear, undoubtedly, in our lives. One is “What are you plans for the future?” and the other is “You should follow your heart and pursue your passion!”

The former can become very annoying, whereas the latter is supposed to make us feel confident and inspired. I don’t know about you, but when someone tells me to follow my dreams or pursue my passion, I have a tendency to freeze up. How am I supposed to do that? What if pursuing my passion means quitting my 9-5 job and being my own boss? How will I pay myself? How do I survive?

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These questions get scarier and more intense as they are listed out, but no matter how many there are, one thing remains: How would I go about following my passion?

“Follow your passion” is an oversimplified statement.

Despite all the fear and doubts, I’ve learned to believe in myself and take steps to start following my passions. I’ve started out slow; I still have a steady, full-time job. And I make sure the job I’m in allows me to use my right brain frequently.

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I’ve figured out the places I require compromise. I never accept a job in which I work weekends. I need that time to write and be creative. But it’s through figuring out that compromise that I’ve realized “follow your passion” is an oversimplified statement. We need to take a lot more consideration in choosing our career.

Following your passion doesn’t mean you need to be all-in.

When I was a little girl, I wanted to be a veterinarian because I loved animals. Then I wanted to be a member of the Spice Girls because I loved to sing and I thought they had the coolest shoes. As time went on, I decided I would be a fashion designer and make all my own clothes.

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As I grew up, I grew out of this habit of changing my plans on a daily basis. I’m still passionate about singing, so I have a band. We perform on weekends, which is another reason why I won’t accept a full time career that would require me to work on Saturday and Sunday. I’m also passionate about writing which is why I have freelance work and write novels in my spare time. I can still do things I absolutely love without giving up a steady paycheck. And of course, the long-term goal would be to make those passions my main job.

Feel highly motivated when someone tells you to follow your passion? Wait, you should ask yourself these 7 questions first.

When I sing, people will tell me to audition for a reality singing contest. That’s very sweet of them, because I know it means they think I should be famous, but for now I’m so happy doing music the way I want to do it. And when I publish poetry or other writings, people ask why I don’t do it full time. For now, fear of the unknown sometimes holds me back. i.e. not knowing where my next paycheck would be coming from and when. These adjustments have worked for me, and it’s because I knew what questions to ask myself.

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  • When I think of what I’m passionate about, is it just one thing? If you’re like me, and passionate about many things, honor that! If you feel drawn to multiple talents or hobbies, don’t feel that you have to abandon one to pursue the other. Just because someone tells you “You should be an [insert passion-based career here], it doesn’t mean you should put yourself in a scary position and take a leap of faith any time soon.
  • Am I good enough to stand out from the crowd? Maybe you’re passionate about video game design. There are many people pursuing that very thing, but perhaps you have a natural ability to do something that it takes most people years of education to figure out. Don’t let yourself be talked out of a passion just because there is a lot of competition in the field. If someone tells you to pursue it, they obviously see your potential. Don’t be afraid to recognize it in yourself. And if you feel like you aren’t good enough yet, then how can you focus on improving your skills?
  • Can I really turn my passion into a career? This is the question you probably ask yourself every day. Yes, I love to sing, but if I tried out for a contest, would I lose? I love to write, but if I sent a book to be published, would they laugh at it? When it comes to something you’re passionate about, it takes hard work and dedication to turn it from a hobby into a career. For now, find ways to include your hobbies into your job. As a technical writer, I get to write for a living but still flex my right brain muscles when it comes to creating templates and general documentation. Perspective plays a big part!
  • Do I have thorough understanding of the industry related to my passion? Sometimes, the answer is going to be no. Even if you absolutely love the thing you’re passionate about, the industry that comes with it could require years of training and education. This should not automatically deter you from chasing after it. Make sure to weigh your options before taking that leap. If you don’t feel you know enough today, could you educate yourself tomorrow?
  • Can my passion be transformed in another form? When we are trying to make a career out of the thing we are passionate about, we usually develop a very narrow focus. When I was looking for a job, I knew I wanted to write. So I, of course, looked for jobs that boasted the word “writer.” I never imagined I would fall into a technical writer position, but it wound up being a great way to translate what I love into something I can make money doing. If you’re opinionated, you could be an advice columnist, a public speaker or a politician. Don’t put blinders on when it comes to your future.
  • Can I support myself if I turn my passion into my career? I know it probably seems like I’m harping on this point, but it’s about self-preservation. If you’re able to do something you love, that’s great! But is it paying the bills? Are you able to keep food on the table? Do you have the basic necessities covered and enough cash to go out with friends? It’s sad to think about focusing solely on financial success; it seems like compromising love for a paycheck, but it’s about being able to take care of yourself. So if you’re an artist, and you know you love to create, could you do web design? Maybe you could become a graphic designer. Sometimes creativity is required when it comes to merging passion and success.
  • If I had to do it every day for money, would it still be my passion? When I was in college, I started off as a voice major (singing) because it came with a scholarship. It sounds great, right? I love to sing and now I’m going to school for it, woohoo! But that wasn’t the case. When I was forced to do this thing, no matter how much I loved it, for grades and success, it became very depressing. After all, I wanted to sing classic rock, not Italian arias. I love playing shows now and making money, of course! But the fact remains: when you’re forced to do something, day after day, it suddenly loses its purity and becomes a controller.[1]

Let’s sum it all up.

What it comes down to is self-awareness. It’s key to know what moves you, what inspires you and what makes you want to wake up in the morning. But it’s also important to know when those people in your life, no matter how supportive, need to be ignored. “You should do this for a living!” and “Wow, you are so good at this! Why aren’t you making money?” are rooted in respect and gratitude, but only you know when to pursue something you love and therefore allow it to define who you are. It’s not a bad thing to let a talent remain a hobby. And it’s also not a bad thing to let a hobby become a profession. But know where to draw the line and how to stay happy.

Reference

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Heather Poole

Technical writer

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Last Updated on June 22, 2018

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider consolidating multiple credit cards if possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to pay the full balance you spent each month at the very least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay extra when you can – every small amount counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a plan on how to pay extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out costs for services you do not use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get aggressive about it

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate your progress at set intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start knocking out your debt today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

Featured photo credit: Pexels via pexels.com

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