Three Things I Finally Did That Made Me Happier Than I Could Have Ever Imagined.

Three things I finally did in 2014 that are making me happier than I could have ever imagined.

  1. I made self care a priority. This includes the basics like getting a solid night of sleep and finally making (and keeping) an appointment to get a mammogram. It also includes implementing a meditation and yoga practice which I look forward to telling you more about in future posts.
  2. I quit my job. This one was a hard one. I care so much for my business partners and clients but given my long commute it was impossible to find or keep any balance in my life.
  3. I bought a single speed bike instead of a car. After we moved from San Francisco to the East Bay late in 2013 my husband and I knew we would eventually need to buckle down and buy a second car. Thankfully, due to the other changes I’ve mentioned, I was able to buy a single speed city bike instead. It is turquoise and adorable. Unlike the bikes I used to ride in my 20’s (before I had kids and still trained for triathlons) this bike is not made for speed. It is made for FUN.

Here is to a Happy, Healthy and Fun 2015. What do you have planned to ensure your happiness?

Who is your Favorite Small Business Owner?

It’s National Small Business Week! Head on over to this post on Facebook and let Wells Fargo know who your favorite small business owners are.

Disclosure: I currently hold a full-time employee position at Wells Fargo however the opinions expressed on this blog are my own and don’t necessary reflect those of my employer.

Do You Want Your Kids to Know How to Spend Money Wisely?


Do you want to set your kids up for future financial success? Then start now.

That’s the first rule of introducing your kids to financial education – the sooner you start, the better. Money management is probably the last thing on the minds of most kids – I know this is the case with my “princesas” – but there are steps we can all take as parents to help ensure our children know how to think about money, including the importance of saving it.

So what are the lessons we can give today’s children to prepare them for financial success in the future?

Today’s kids are much more likely to spend than save. Even parents like myself who try to teach my girls about the importance of saving often find our lessons overshadowed by stronger messages that scream to us on a daily basis. Unfortunately, by the time most kids leave home, they know all about spending but very little about saving.

Oh Linden,

Oh Lord, won’t you buy me a Mercedes Benz?
My friends all drive Porsches, I must make amends.

Consider some of these statistics

  • Most students devote about one half or more of their earnings to discretionary spending on relatively short-term wants and needs. (Source: University of Michigan Institute for Social Research, 2014)
  • Teenagers spend about $100 billion a year, and children under 12 spend $11 billion a year, of their own money. They influence 75%, or approximately $165 billion, of their parents’ money. (Source:, 2014)

Sometimes our actions speak louder than words.

Kids are often a reflection of their parents. We live in a world that loves accumulating things. If we are honest with ourselves we all have wasted countless hours comparing and keeping up with the Joneses. As parents, we know in our heart that more is not necessarily better because we have all, at one time or another, looked into the eyes of our child and felted abundantly happy. So If we know happiness can’t be purchased how come some many of us live like we can? And more importantly what message does this send our kids?

Just one of the many reasons I am proud to work at Wells Fargo

One of the many financial education programs that Wells Fargo provides is a site called Hands On Banking. It contains content that is targeted specifically to kids, teens and young adults so as your kids grow they have the right resources to meet their educational needs. As a parent that is continually looking for resources to raise my bilingual kids I’m thrilled to work at a company that knows the importance of offering resources like this not only in English but in Spanish as well.

And the best part, It also includes plenty of resources for adults which helps us parents practice what we preach.

Disclosure: I currently hold a full-time employee position at Wells Fargo however the opinions expressed on this blog are my own and don’t necessary reflect those of my employer.

A Creative + Modern Living Blog by Kelly Tirman