Make it wild.
Make it experimental.
Make it fun.
Make it imaginative.
Make it risky.
Make it yours.
Sooo if you recall, for the new year I began this experiment to see if Qapital helps me save more money than I already do. I’m happy to announce that in the past few months I’ve saved $725 more than my average savings before. I excluded my tax return from this savings amount, because I’m not sure that counts in the span of a three-month average 🙂 Life circumstances change of course, so I can’t say for sure, but there’s a fair chance that Qapital helped with some of that.
(Interested? Sign up using my referral link and Qapital app will give us both $5.)
Problem: On the downside, most of that savings was to my “general savings” not my “book launch savings”, because the only savings rules I gave for book launch were related to spending at Starbucks or Walmart – two places I try not to go to often.
Solution: I will likely be moving one rule from “general savings” to “book launch savings” to make a little more money there. I’m thinking the 1% of income rule. Tbd.
Be forewarned! Qapital can only save as much as you actually have to save, except it doesn’t know that of course. My friend talks about her negative experience on her blogpost. Qapital can only help as far as you actually have money to save. So if you have a tight budget, it’s possible this app wouldn’t be the best tool for you. And if you’re a super competitive nature, don’t get too crazy with the rules on this app 🙂 Find balance.
I won’t be able to completely accurately continue this experiment because I’m about to buy a new car engine which will take a bunch of savings. Soooo that’ll screw up the average a lot. But I’ll keep ya updated 🙂
Have you used Qapital app? Tell me your experience. Has it helped you save? What rules do you find most useful?
Interested in trying it out? Sign up using my referral link and Qapital app will give us both $5. An easy way for you to contribute to your savings goals and my book launch at the same time 😉
Always one to shirk away from traditional New Year resolutions, I’ve come up with an improvement-related experiment instead.
I’m all for finding motivation to save without too much spreadsheet work. Ech, spreadsheets, am I right?
Enter Qapital app.
(Psst… Sign up using my referral link, & Qapital gives us both $5)
Qapital is kinda like a saving $$$ game. You set “rules” for how to save and then you rake in the dough – or at least the dollars and cents and sense.
I already save each month, so my skepticism reared its actually-quite-beautiful head when I first heard of Qapital. “But wait… To save that money, you have to already have that money, so it’s just moving money at certain times to ‘save’ it when you already had it.”
Since I’m not a numbers person, I budget with Mint which tells me my net each month of the past calendar year. See below: The green is income, the red is spending, and the black tumultuous line is my net.
I’m not super consistent, because income fluctuates, payments fluctuate (somewhere in there I paid off loans, woohoo!), and okay fine, Starbucks and Lularoe addiction fluctuates. But I used excel formulas to find the monthly net average/median (which is the best to track here? I don’t know!).
I’ll be testing if Qapital app helps me save more than my average or median. My average/median are both just over $1000. If I save more than that, I call this a possible success, while realizing there are a bunch of other factors that affect how much I’m saving. (I’m no scientist with a control case and laboratory or anything here… ) But it would be the start of an indicator.
If I don’t save more than that, it may have been a flop *for me to choose to use it in this way.* Note that doesn’t mean the app is a flop. My next option would be to automatically deposit my average into savings each month, and then only after that point do Qapital savings beyond that average.
I set up two savings buckets in the app:
I’ll be saving money for my book launch in relation to groceries & visits to Starbucks:
I’ll be saving money for just saving based on bigger rules:
We’ll see how this goes. I’ll update you in about 3 months on my experience. I may keep it the way it is or adjust depending on results. I could definitely move more into savings, but I want to start small and see how it goes.
Tell me your best tips and tricks to savings in the comments below. And if you used the Qapital app before, let me know your experience.
Use my referral link anywhere in this post and Qapital app will give us each $5
My friend Kathryn is using the Qapital app in a set-it-and-forget-it way, because she’s all about the simple life. Check out her post and see if it’s something you’d want to try.
In your creative pursuits, strive for excellence of course. “Study to show yourself approved.” Don’t put out rubbish and expect people to pay for it because it’s authentic and from the heart. Ech.
But also branch out. I’ve got a reasonable amount of skill in music and writing and arguably fashion – though not runway fashion, just artsy fun fashion 😉 What do I not have skill in? Visual arts and rhythm. My coordination is seriously lacking there.
Just to try it out. (I have my parents to thank for opening me up to exploring new pursuits even if I sucked at them.) I always wanted to be good at everything, but let’s face it:
The sketching class most stood out to me. The students who had been there awhile were sketching a self-portrait and I eagerly tried and failed. The teacher walked over belatedly and said something along the lines of, “No, that assignment is for the advanced students. You’re supposed to be drawing this grandfather clock.” She was not very happy. And neither was I. I “learned” that I cannot draw.
But I’ve been working on allowing myself to explore and enjoy visual arts even if I suck at them.
Last year I took an art journaling class.
I sporadically draw pictures in my journal, to make it visual. And it sucks, but that’s okay, because it’s for my eyes only. (Until last month when I lost my journal at Starbucks and they probably thought it belonged to a preschooler as they flipped through it for contact info….Don’t leave journals at Starbucks! But that’s another story.)
A couple months ago I did one of those painting classes that’s like an “Everybody can paint!” sorta deal. The difficulty level was low – he said an 8 year old did the same painting and it looked great. But on my painting the dancer’s legs were excruciating and I finally had a friend help fix them (but all horrible awkward legness is my fault…)
Most notably though, the colors I picked out makes it look like a taco dancer, let’s be real. Just flip it upside down and it’s a taco bowl…. see?
Now I’m hungry.
But the point is, dabble. It might be bad, but it’s fun and it’s stretching those creative muscles.
There once was a time I was bad at writing – and worse, I thought I was good. There once was a time that the piano teacher wouldn’t let me learn to play piano because my hands were too small and my fingers lay flat on the keys. I used to wear drab or terrifyingly horrible clothes, embarrassingly so, and say I didn’t care about what I wore and maybe I didn’t. How naive. But I got back on those horses and I’m basicly a cowgirl now 😉
So, dabble. I guess that’s all I’m saying. Also, look at all the proof I’m not good at everything! *gestures wildly in every direction* 🙂
And finally, to all the hypothetical naysayers out there – “Don’t tell me what I can’t do!”
My friend was going to do a writing experiment, but was worried I as her writing coach wouldn’t approve. So I sent her a comprehensive list of all the experiments I disapprove of. If you’re thinking of experimenting with your writing, here’s a cautionary look at what experiments to avoid.
If you get any idea from this list, know that if you have a writing experiment in mind, I probably wholeheartedly embrace it! In fact, I think the best stories come from being innovative, playing with words, and experimenting.
If you’re looking for permission to think outside the box, the building, the rules of story, the world of writing, consider this your invitation. Dabble all you want. Just keep writing 🙂