Tag: finances

  • Being Surrounded Without Being Conformed!

    Being back in college is always an adjustment.

    You go from break mode quieter days, more control of your time, fewer distractions straight into constant motion. People everywhere. Events every week. Group chats blowing up. Late nights. Food runs. “Let’s go out.” “Let’s grab this.” “Let’s do that.”

    And none of these things are bad.

    But they are constant.

    When I got back on campus, it didn’t take long to notice how easy it is to start moving at the same pace as everyone else around you  not just socially, but financially.

    Everywhere you turn, someone is spending.

    Food deliveries.
    Outfits.
    Trips.
    Concerts.
    Random Amazon orders.
    “Just $10.”
    “Just this once.”
    “Everyone’s going.”

    And the crazy part is, none of it feels irresponsible in the moment. It feels normal. It feels deserved. It feels small.

    That’s how conformity works.
    It doesn’t usually show up as pressure.
    It shows up as atmosphere.

    You don’t wake up deciding to be careless with money. You just slowly absorb the habits, expectations, and pace of the people around you.

    And college is one of the strongest environments for that.

    I’m surrounded by good people. Ambitious people. Social people. Hard-working people. But I’m also surrounded by spending. By constant movement. By the opportunities to turn every week into an expense.

    And this semester, I’ve been forced to look at myself honestly.

    Not in a dramatic way.
    In a practical way.

    Can I enjoy being surrounded… without being conformed?

    Because the truth is, my goals don’t move at the same pace as campus life.

    The future I say I want traveling more, building financial stability, funding ideas, helping my family, creating margin requires money with intention. Not just money that disappears in pieces.

    From a faith perspective, I’m also learning that being surrounded doesn’t just shape what you spend it tries to shape what you believe. When you’re in constant community, people will speak into your plans, your pace, and even your vision. Sometimes it’s helpful. Sometimes it’s loving. But sometimes, without realizing it, you start shrinking, delaying, or reshaping things God put on your heart simply because the people around you don’t see it, don’t value it, or don’t move the same way. And if you’re not careful, you don’t just drift financially  you drift spiritually. You start funding what’s popular instead of protecting what’s purposeful.

    So now, every time something comes up, I’m learning to pause and ask better questions:

    Do I actually want this?
    Or do I just want to participate?

    Is this aligned with where I’m trying to go?
    Or just where I am right now?

    Am I choosing this?
    Or am I drifting into it?

    This doesn’t mean I never go out.
    It doesn’t mean I never spend.
    It doesn’t mean I isolate myself.

    It means I’m trying to build the skill of awareness.

    Awareness of how often money leaves my hands.
    Awareness of how quickly small decisions stack.
    Awareness of how much of spending is emotional, social, or environmental.

    Because money is one of the first places we get conformed.

    We copy what’s normal.
    We normalize what’s common.
    We excuse what’s around us.

    And if you’re not careful, you wake up months later wondering where your money went when really, it went exactly where the environment kept pointing it.

    This season of my life is teaching me that discipline isn’t about being extreme.

    It’s about being rooted.

    Rooted enough to enjoy community without outsourcing your decisions.
    Rooted enough to say yes without always saying yes.
    Rooted enough to remember that your financial life is personal even when everything around you is shared.

    I’m still learning. I’m not “there.”
    But I am paying attention.

    And sometimes, that’s the first real form of growth:
    Being surrounded… without being conformed.

    Faith. Finance. Fun.

    Brick by Brick Finance

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  • So… How Do We Actually Become Better Financially?

    3–4 minutes

    If I’m being honest, I’m not “good” financially yet and that used to bother me.

    I’m not at the place where everything is perfectly budgeted, savings are stacked, and decisions are automatic. I’m learning. I’m noticing. I’m adjusting. And a lot of this journey has come from meeting reality instead of running from it.

    One of my personal goals for this year is to travel more.

    I want to see new places, experience new cultures, and put myself in environments that stretch me. But wanting to travel is forcing me to face something simple and uncomfortable:

    Experiences cost money.

    And not just money you hope you’ll have money you actually need to prepare for.

    That realization alone started changing how I look at my habits.

    1. Meeting reality

    There was a point where I had to stop romanticizing goals and start looking at my numbers.

    I couldn’t just say, “I want to travel more” while not knowing where my money was going. I couldn’t say, “I want to build financial freedom” while avoiding my bank app. I had to meet reality.

    That means checking statements. Seeing patterns. Admitting where money was leaking. Not to shame myself but to tell myself the truth.

    And its because i simply realized reality is the starting point of real growth

    2. Awareness before action

    Before budgets, systems, or strategies, I am build awareness.

    I started paying attention. How often I was eating out. How often I was making convenience purchases. How often I was spending emotionally instead of intentionally!

    Awareness has not fixed everything but it gave me vision.

    It showed me what I was actually funding.

    And sometimes, what I was funding didn’t match what I said I wanted.

    3. Letting goals confront habits

    Once travel became a real goal instead of a vague idea, it started confronting my daily decisions.

    Every random purchase had a quiet question behind it:

    “Is this closer to a trip… or further from one?”

    I don’t always choose right. Sometimes I still spend first and think later. But now, I notice. And noticing is progress.

    I’m learning that financial growth and growth in general starts when your goals begin to guide behavior.

    4. Learning to build structure

    I’m currently developing systems.

    Some weeks I’m consistent. Some weeks I’m not.

    I’m experimenting with automatic savings, separating accounts, and weekly money check-ins. Some of it works. Some of it shows me what I need to fix.

    But what I’m learning is this: motivation isn’t enough.

    If I want to travel, give, build, and grow, I need structure that supports those goals.

    And structure is built one brick at a time.

    5. Understanding why I spend

    Another part I’m still learning is understanding my spending triggers.

    Sometimes I spend out of joy.
    Sometimes generosity.
    Sometimes convenience.

    But sometimes it’s to force myself to do stuff (Ex: Gym clothes).
    Sometimes stress.
    Sometimes comparison.

    Those moments matter.

    Because money often reveals what’s happening internally.

    Becoming better financially has meant slowing down and asking, “Why am I buying this?”

    Not to restrict myself but to understand myself.

    6. Faith keeps me grounded in the process

    Faith has helped me not turn money into pressure.

    I’m learning to be a steward, not be a perfect person.

    I pray over decisions. I ask for wisdom. I check my heart posture. And when I mess up, I reset instead of quitting.

    Faith reminds me that discipline is formed not forced.

    Small steps, real progress

    Right now, progress looks small.

    It looks like checking my account instead of avoiding it.
    Writing goals instead of just thinking them.
    Saving something instead of nothing.
    Pausing before purchases.
    Reflecting after mistakes.

    That’s not sweet.

    But it’s real.

    And real habits are what trips, freedom, and opportunities are built on.

    So How?

    So how do we actually become better financially?

    We meet reality.
    We build awareness.
    We let goals challenge habits.
    We experiment with structure.
    We learn ourselves.
    We stay in the process.

    I’m not traveling the world yet.

    But I’m becoming more intentional.

    And for where I am in life, that’s real growth getting built brick by brick.

    Faith. Finance. Fun.

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