by clicking the "Next" arrow.
by clicking on the page.
the page around when zoomed in by dragging it.
the zoom using the slider when zoomed-in.
by clicking on the zoomed-in page.
by entering text in the search field, and select "This Issue" or "All Issues"
by clicking on thumbnails to select pages, and then press the print button.
displays sections with thumbnails and descriptions.
displays a slider of thumbnails. Click on a page to jump.
allows you to browse the full archive.
about your subscription?
Mindful : December 2018
Take a moment to prepare and set the scene: Gather anything you need to feel prepared and comfortable. Grab your financial tracking data or recent bank state- ments and income and expense reports. Pull out a journal and pen or open a fresh document on your computer. Pour yourself a favorite beverage, light a candle, play music, nibble chocolate, and put your phone on Do Not Disturb— do whatever you need to feel ready and wonderful. 1 FEELINGS Freewrite about each of the three tiers of your money map: Basic Needs, Comfort- able, and Ultimate. Don’t include any numbers, yet. Turn within and get a felt sense of what each of these levels means to you. Write out your personal defini- tions for each tier, what you associate with them, how you imagine them making you feel day-to-day and month-to-month. This is completely subjective, and there are no wrong answers. THINGS Once you have a felt-sense description of each of your three tiers, it’s time to look at what items are included at each level. What expen- ditures do you need to be able to afford to create the feelings you identified for each level? Does your “Basic Needs” tier include rent, groceries, health care, transportation to and from work, and that’s it? Does a daily coffee or monthly movie feel like a Comfort- able expenditure, or do these expenses feel like Basic Needs to you? Does your Comfortable lifestyle include cable television, a cell phone, and books? Does an annual vacation to visit your family go under Basic Needs, Comfortable, or Ultimate, for you, at this phase of your life? 2 Creating Your Map NUMBERS Get specific and take all of that prioritizing and bring in the real numbers. On three separate sheets of paper (or three separate spreadsheets), list out all of your monthly expense categories, for each life- style tier. Apply numbers to every expense item. If you’ve already tracked your expenses for several months, you may be able to look at recent averages to help you or you may do some quick, back-of-the- envelope estimates. Don’t forget those big-ticket and rainy-day expenses that happen less frequently, like insurance premiums, car repairs, dental bills, etc. Divide annual expenses by twelve to calculate aver- age monthly expenses. Also include savings, debt repayment, and invest- ments in any tier those fit into, for you. ABOUT THE AUTHOR Bari Tessler is a financial therapist, author, and creator of the online Art of Money program at baritessler.com. 3 Stay tuned! Bari Tessler will be back with more money tips and insights in our February 2019 issue. 42 mindful December 2018 get real