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One Dollar One Day

2/27/2015

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I was reading a blog the other day and the author was lamenting that she felt like she was spending too much of her time worrying about saving money for retirement and not living her life.  She is in her early thirties.  Really? I felt like offering my services to her.  Anyone interested in having a master show you how to spend your money?  Look no further.  I have a doctorate in how to spend, spend, spend, until there is nothing, nothing, nothing!  Most people have something put away for a rainy day.  I would settle for something for a light drizzly morning!

I have a knack for coming up with what I like to call “creative financing.” I can usually find or make money.  Holding on to it? Not so much.  One time when I was short on grocery money, but had available credit at Sears, I bought myself a 100.00 gift certificate, purchased an item for 25.00 and got the balance in cash. SHAZAM! Groceries!  Ever wonder why they don’t give cash back on gift certificates anymore?

I didn’t have good home training.  My mother once told me that if you wanted to buy something, you should use the cash to pay your credit card bill and THEN buy the item with the credit card.  It was like doubling your money!  “Savings “and an “emergency fund” basically meant having more than 100.00 available credit on a credit card or two.

I would love to say that has changed.  I started out last year trying the popular 52 week saving plan that everyone was talking about online.  I managed to get a few dollars put away, but a couple of unexpected expenses came up and wiped it out.

Things got a little tight in the fall and then that budget buster known as Christmas showed up and I basically fell off the savings wagon. Hard.  On my head.

I have spent the last few months juggling and stressing, worrying about a lot of “what ifs.”  Was the old familiar bad feelings enough to get me back on the straight and narrow?

So it was with great pride today, I took a portion of my federal tax return to the bank and deposited it my lonely savings account.  Not a lot mind you, but a start.  The devil that popped up on my shoulder trying to get me to buy something on my huge “want” list was thwarted. For now.

 One dollar and one day at a time.


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SOME LUNCHTIME TAG POPPIN

2/20/2015

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A quick trip to the Goodwill  todayreminded me of two things you should never pay big bucks for. The first is sweatpants.  Sweatpants are for "I just got out of the shower and I am going to relax and have a glass of wine", not for hitting the club or going to work! So why pay more than you would for lunch? Found this great pair from Victoria Secret in great shape for $6.00!
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Number two I have already talked about before, but today I saw it again.  Decorative pillows.  The pineapple one on the left I have had in my dining room for years so when I saw it's twin today and the palm tree one on the right, I had to grab them.  I am pretty sure I paid over thirty bucks for the original pineapple pillow, back in the day when I was wasting money at every turn! The pair today? $8.00.  So total for the shopping trip? Under $15.00. I can probably make that up in tips this weekend at The Blarney Stone with L.A. Lyon!
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HAPPY NEW YEAR PART TWO

2/19/2015

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Today is Chinese New Year and believe me, I could use a new start! After a great holiday season, I made a list of some exciting projects I wanted to start working on, only to see the first part of this year, bogged down by things that were definitely not on my list! Lots of stuff that was not moving me forward. Only   taking time away from the things that could move me forward.

There is that running joke about how the gym is packed with people the first two weeks of the year and then by mid-February, the place starts to get empty again.  It makes sense when you think about it.  You hit the first couple of bumps on those great New Year goals and it is easy to get sidetracked. The next thing you know, you are looking for a Halloween costume, one more year with a list of things you didn’t even really attempt to tackle.

 I have never celebrated Chinese New Year before, but I think I may start.  Anything that brings back focus, gets you back on track, causes you to stop wallowing and gets you moving is a good thing.   An added bonus is I am not fond of Chinese food, so me I will not get derailed by yet another day that train wrecks me trying to get back into the jeans I wore when we did our last L.A. Lyon video.

So Happy New Year. Part two. For all of us that need a little push over the bumps.

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