Category Archives: money

Day One

New Years: The day that makes me all mushy and sentimental and jazzed about things like fresh starts and blank slates and clean new Day Planners (even though I finally gave those up a couple of years ago in lieu of their digital cousins)

2012 is not a year I’m terribly sorry to see go. I spent a good portion of it in physical pain, from the time I injured my shoulder in early May, through physical therapy, surgery in November, and well… right now, as I type. But there was good too:

I dreaded my hair.
I finished my yoga training.
I wrote for a homeschooling magazine.
There were trips and experiences and growth and challenges… both as an individual, and as a family.

The year ended on a high note too, when we took my visiting inlaws on a whirlwind and somewhat impromptu tour of the northern part of our beautiful state; a state that we’re still very much having a passionate love affair with, seven years after we moved here. (Pics are here) The fact that the trip ended with a wheel flying off Mike’s truck when we were going down the highway at 75 mph? All part of the adventure. And just another reason to be thankful to be here, alive, and able to seize another day.

I stopped doing New Years resolutions some time ago, but specific goals… well those make me just about as excited as those clean new Day Planners I mentioned above. And I’ve got a few, in no particular order:

1) Return to blogging daily. Which isn’t really about blogging at all, but about me. Whatever this year turns out to be, it’ll be a journey. And journeys need to be put into written words. At least mine do.

2) Get physically stronger. I don’t know what that’s going to look like just yet. A few weeks ago I thought Couch to 5K was going to play a role, but after giving it an honest try for two weeks, I realized that it was way too much jarring, way too soon, on my shoulder. But I’m going to do something to meet that goal… and when I figure it out, I’ll share that too.

3) Pay off our debt. This is HUGE. I might even have to dust off my long-neglected Ditching the Debt blog to document it and keep myself accountable. We’re in a better position to make it happen this year, and it feels. so. good.

4) Eucharisto and simplicity. Those are my two words for the year. Eucharisto is a greek word meaning “to give thanks”, and it’s something I’m ashamed to admit I’ve never really thought too deeply about, beyond vague pronouncements and platitudes. Reading the book, “A Thousand Gifts” has changed that. And to tie right in with true thankfulness: Simplicity. Less stuff, less clutter, less baggage. More of the important things like family, relationships, experiences, LIFE. Again inspired by a book, this one called “You Can Buy Happiness (And it’s Cheap): How One Woman Radically Simplified Her Life and How You Can, Too.”
Now, none of this is new information. In fact, a quest to simplify has been a theme of my blog for a long time now. But I don’t know… sometimes you need to hear something at the right time, in the right way, to make it “stick.” And boy howdy, has it stuck. I’ve never been so excited to downsize in all my life. It won’t be an overnight project, or even a few-months-long project, but a baby-stepping, one day at a time, breaking it up into small manageable chunks kind of project. I’m gonna do it, and I’m gonna write about it.

Happy New Year, friends. Blessings and good wishes and a happy and healthy and clutter-free 2013 to all of you.

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Filed under about me, learning, life, money, New Years, simplifying, Uncategorized

Plank Pullin: The Money Edition

(source)

It’s Plank Pullin’ time! The one day a week that we strongly resolve to ignore the multitude of specks and sawdust around us and pull one bona fide plank from our own eye. Matthew 7:3-5, style.

A few of you know this already, but I also keep a (often neglected) blog about money, specifically about our journey in paying off our debt.   You can read the entire story there, but in the interest in saving time:  We married young, and had part-time or low paying jobs for quite a long period of time.  Racked up a whole bunch of debt.  Worked really hard to pay it all off, and moved to Arizona debt free.  Somehow (thanks in large part to a crashing real estate market and a failed “investment” house that we’re still living in), we racked up some debt again – although thankfully not nearly in the scale we’d been under a decade ago.  Having debt of any sort is a terrible and suffocating feeling, one I can’t wait to be free of.  While we’re finally in a position where we’re making a very comfortable income, we are often living as if we make almost no money at all, so focused we are on putting everything extra towards our debt.

You could say money and finances are big interests of mine, but that wouldn’t be entirely accurate.  I think I’m knowledgeable about it, having read just about every book, article, and website on the subject, but…. I still worry about money, I stress about money, I am WEIRD about money.  How am I defining ‘weird’, you ask?  Here’s an example:

A couple of weeks ago, we joined some friends for a morning outdoor event.  It was early, and we’d been in a rush, so I hadn’t gotten to have my daily cup of coffee.  I lamented to my friend about my missing liquid energy (I’m a much more likeable person when I’ve been fully caffeinated) and she said, “Oh there’s a Starbucks right down the street.”  And in the 2.4 seconds that it took me to tell her, “That’s okay, I’ll just wait till I get home” I had a fiery, indignant, unspoken internal dialogue that went something like this:

“Starbucks??  You think I can just afford to be going to Starbucks all willy-nilly?  Do you have any idea how much Starbucks costs?  Must be nice to have money to be going to Starbucks all the time.  Must be nice to have money to throw away.”

Totally irrational right??  I don’t know why I do it.   She was trying to be helpful.  And the ironic thing is that I absolutely could have afforded to get a coffee at Starbucks (I almost never go though, because I really do think it’s ridiculously expensive for coffee), but I didn’t, just on general principle.  We also very rarely buy bottled water,or eat at nice restaurants or any kind of restaurants, or buy new clothes, or get professional haircuts or manicures or pedicures or eyebrow waxings (or pluckings or threading or whatever is popular now)  I have a very, very hard time spending money on things that aren’t necessities.

Worse than that though, is that I find myself getting judgmental, even angry, towards people who are irresponsible with money.  Interestingly, it’s not so much strangers that I have a problem with…. if I see some random person spending jillions of dollars on something excessive, it’s easy for me to imagine that (likely or not) they live an all-cash lifestyle, have no debt, and also give jillions of dollars to charity.  No, where I have a problem is with the people who’ve made me privy to their financial information for whatever reason, and continue to make bad choices.  I really don’t like knowing that someone is behind on their Visa bill or their electric bill or their rent… and is meanwhile eating out, going to the movies, and buying fancy new gadgets.   One part of me tells me to chill out, that it’s absolutely none of my business.  The other part says that it very well IS my business, as it’s partly because of that kind of irresponsible spending that the housing market has done what it has, and the reason that we are so unbelievably upside down in our own mortgage (which, by the way, we faithfully pay on time every single month)  Either way, the feeling is unpleasant and all-around icky, and I’d really like to stop it. 

So consider another plank pulled.  And help a girl out by not mentioning your overdraft fees and your new iPhone in the same sentence. 

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My Little Weekend Project

I posted this on my Debt Blog, but for those of you who don’t read it, I wanted to post it here as well. I started a website for my stay-at-home-mom friends (well, really for anybody, but especially those moms who want to bring in a few extra dollars to help make ends meet) The site is eventually going to grow, but for now it is focused squarely on making money through online surveys…. my history, some tips & faqs, and my own personal list of the best paying sites. Check it out.

Best Free Survey Sites

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