PLAN FOR THE FUTURE

I’m thrilled about our new sponsor: CFP Board. They’re shedding light on something I want all of us to think about and discuss – our finances. It’s not always comfortable, but it is extremely necessary.

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As you may already know from my other posts, Joel and I are thinking about expanding our family (eeep!); this has led to discussions about our finances.

Lately, I’ve been waking up in the middle of the night with my mind racing about these discussions. I know stress is not the best during this “process,” but it’s also hard to avoid.  Joel and I both have family in the financial world that have impressed upon us the importance of planning for the future. We were told it was time to get help and make a plan created by a CERTIFIED FINANCIAL PLANNER™ professional.

First off, I’m learning that many people without the necessary qualifications call themselves financial planners, so just beware. It’s essential to get someone who has a CFP® certification upholding the ethical standards required of a CFP® professional. Just like you want a doctor that has the proper license, you want someone guiding your finances that has the proper qualifications.

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Like my desire to KonMari style organize my house is strong, my desire to get organized financially is even stronger. Meeting with a CFP® professional near us (letsmakeaplan.org) can help Joel and I start working on all of those questions that keep popping up in the middle of the night. I mainly want to plan for education (from preschool to college) and know how much we should be putting away for retirement and life insurance. It must be our age, but retirement seems to come up in conversation a lot lately. It’s easy to get stuck in the day-to-day and be happy just making ends meet every year, but I know there is a way to WIN the rat race one day–and enjoy retirement–IF we stay on a targeted plan.  

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Like most Americans, our financial needs range and change. The above thoughts are my urgent issues today, but I also have so many others. For instance, lots of little questions about our personal taxes for those of us with blended families. A CFP® professional will work with us today and grow with us as our needs change, especially if (and when!) another little one joins the family. How can we make our money work for us, not the other way around!??  My father gave me the best reason to work with a CFP® professional: worry less. He said money is a terrible master, but a wonderful servant.

Do you feel like your money is working for you? I hope so! But could it be working harder? I’m excited to let the professionals do what they do best, so I can be the best for those I love and be the best at what I love.

It’s so easy to just meet with a CFP® professional. Go to letsmakeaplan.org and find one in your area. The best part of CFP® professionals is that they work with you to build a plan to take care of a myriad of needs–both big and small. If you are starting your own family, there is NO better time than now to start planning ahead and securing your future. If you’re even younger, let me tell you: when I bought my first house in my 20s, I thought that was enough to secure my financial future, but in hindsight, I could have done so much more had I retained a CERTIFIED FINANCIAL PLANNER™ professional. See what they have to say!

If you’re interested, I hope to share our journey with you all–and show you how much financial planning can serve you in your lives. It can be a lifelong relationship, my CFP® pro and me!

As always, any comments below are welcomed! Have you ever worked with a financial planner?

xox

AJH

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A DIFFERENT DIRECTION

It’s a dreary, cold day here in LA. I don’t feel like doing much. I’m a bit down mentally and physically. I’m congested and worn out. Probably the exact time I should force myself to go workout. We’ll see. I’m also in the midst of potty training. Lord, help me! lol.

Last Friday I mentioned on inststory I had an audition. Yesterday, I found out it was down to the wire. I was what we call “pinned” in the auditioning world. I’m not sure if I should say what show, but I don’t really see why not? For the sake of the show, I will wait and say what series later…It was for a recurring role on popular primetime show.  The character was very interesting and complicated. Truth be told, there aren’t that many roles right now for Caucasians my age. I should feel good that I got so close to getting it. But, alas, last night, I learned it went to the other woman. There’s lots of fun ways they tell you the role is not yours.
They “went another direction,” or “it didn’t go your way this time.”  Makes me want to make a change… what can I do to shake things up? Go back to my natural dark hair? Yep, this photo below is my natural color. (By now, a little grey has seeped in, though). Silly thing to change my hair, but maybe not? Maybe I should go in a different direction!

Side note for those of you that might ask, I would be so happy going back to your favorite daytime shows or working on Hallmark or continuing with Lifetime (next movie airs in May). So, thanks for your support in those endeavors.

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The business side of our industry is depleting at times. I don’t like to call it rejection. There are so many puzzle pieces to making a project work, sometimes it really is not about me. So, I have to let go. I usually allow myself 20 minutes or so of being bummed, then I must move on and forget about it. I come home to my family, my reality… where we have plenty of other things to worry about.

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I know we all go through things like this in life where we are so close to the “next step,” or getting a new campaign or case or position at the company. And then it doesn’t happen. But we have to understand there’s a bigger picture. Sometimes it’s just so hard to see or even want to see. It just feels like failure. I wanna get mad at…. I don’t even know who really. 

Some of you have left comments here about current situations. Health issues, or job changes….or both. I truly cannot begin to imagine how frustrating, depleting and devastating some of those circumstances are. I am so encouraged by your strength and it puts things into perspective for me. Also, I appreciate this blog and communicating with y’all. Thanks for sharing with me, too.

One book in the bible that I like to read (and should read more) is Isaiah. If you are interested, here are two of my favorites that help me change my perspective and give my thoughts to God. Also, unanswered prayers are often protection. 

Isaiah 41: 10 Have no fear, for I am with you; do not be looking about in trouble, for I am your God; I will give you strength, yes, I will be your helper; yes, my true right hand will be your support.

Isaiah 40:28 Do you not know? Have you not heard? The LORD is the everlasting God, the Creator of the ends of the earth. He will not grow tired or weary, and his understanding no one can fathom. 

Have a great day, y’all. Feel free to share in the comments!!