Don't hide your Goals under your desk. Procrastination
The usefulness of having only one pile... There is a purpose in having on in pile. Its really good for me. I cant ignore it. I have piles all over my office. At some point you stop seeing all the many piles and they stop calling to you. We are planning to move next year to a smaller place. I need to limit the size of my office. I can argue that my desk is not at all efficient. The the zen of getting things done is really inspiring me. I have drank the cool aid. I want to not miss any bills I want to manage my money well and I cant do that if I have piles of stuff all over. Its the chaos I can control. Debt feels out of control to me It is so big and I feel like it will never shrink. But even there I have gotton on board with tracking expenditures, and paying attention to the little things. They have become important again and I am no longer as over whelmed by looking at the money spent on an item. you have to spend some money to eat and to live. Its just how you spend it and what choices you make that can make a big difference in the budget.
So today I have accomplished....
I placed the empty file box under the full one. That means I can get to the full one and start scanning magazines & things in it to throw stuff out. I removed my hidden dreams out from under my desk and I have brought them into the light. Hiding under my desk were the following: wedding planning magazines. A PMP certification book, and two books on personal finance. I think I felt guilty and not yet entitled to have these items as my goals. But I kept them physically close to me so I knew they were not ignored (And they weren't I never mixed those items in with any other pile.) So during the slow week over Christmas and new years I wrote down training I would like to pursue. and I prioritized it. Then I added the action to my master to do list. I have long been a fan of 1001 things in 101 days. I also believe in making lists. If I have action items on a list I wont forget the goals exist. There is a lot to be said for smart goals. But thses goals are also ideas. They are 5 year and 10 year goals. The next year will continue to be busy and I need to focus on the big things that are going to happen for us. HS graduation, college are among the list. Yet I also cant let too much time pass before I pursue things for myself. I want to have a better more accomplished job some day.
Hopefully I can get there by continuing to do what I do. Train when I can, read all that I can and pursue my dreams.
Guard your wealth - Don't hide your goals
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Showing posts with label wealth. Show all posts
Showing posts with label wealth. Show all posts
Monday, January 07, 2008
Monday, December 17, 2007
Pricing battles save money
Battling for the correct pricing...
Why is guarding your wealth so much work? How much does it cost us if you don't? Over the weekend I did a lot of Christmas Shopping. One of the things I had promised to follow up on was to complete my daughters gift from last year and get her the matching pieces to a suitcase we bought this summer. There was some confusion when I made the purchase for her about the right sizes. I was thinking she needed two large suitcases But my fiancee felt she needed the set of graduated bags. He of course was right(as usual). She will need an occasional weekend bag for traveling and not always the super huge size. Well... So The suitcases were on sale. It was a very good price. Not really for Christmas but at the right time to buy. So I went ahead to this store's online web site and made a purchase. BUT I forgot to enter the online purchase code. So I called Customer service to let them know. I had called to soon. They could not see my order yet. Okay, I'll call back later. Today I called again. Now my order has shipped. The lady on the phone said she put the info in on my account but I don't have confidence that she was telling the truth. So I will have to follow up this afternoon and call again to verify the shipping charges were credited. $30.00 is not a lot of money but its MY money.
I also saved myself $129.99 last Monday. Sometimes I forget that there is satisfaction in what you don't spend. I was charged for privacy protection on one of my credit cards. Seeing a charge on a card which had $ 0.00 balance at first caused me to feel waves of panic. I had paid for this service before. I thought it would be worse to pay for it then to fight it. (Before I started reading pf blogs I would have paid the charges and hoped to close the account. Now I know better.) Man was it hard to break out the sword and shield. I hate confrontation. But I did it. I called the credit card company... the wait for customer service is 10 minutes. ...UGH... Wonderful daughter bring me your cell phone. I called the privacy guard phone number. (While on hold with the credit card company)
I don't want this service please.
But all the wonderful benefits. Blah blah blah
No I don't want this service please.
But we have so much to offer.. blah blah blah
I do not want your service thank you.
Okay the cancellation number is xxxxx
All the while I am STILL on hold with the credit card bank. Now you see why I paid this card off first. 10 minutes to talk to a real live person! AGH. That and a 29% interest rate. so I have defended my money. I saved myself $129.99 in fees I did not want. All it took was two phone calls. Now please know that I do believe there is a good service to be had in privacy protection. I just cant afford that service right now while I dig myself out of debt. And $129.99 Really??? I don't think so.
I also saved $30.00 at the grocery store. seems like a lot right??? I think so too. There were a few items that were on sale that typically are not on sale. Couscous & stash tea. So I did spend over my weekly food budget by $35 but I think the savings helped to make it worth it. I love cous cous. and I saved $6.50 on that item alone.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Why is guarding your wealth so much work? How much does it cost us if you don't? Over the weekend I did a lot of Christmas Shopping. One of the things I had promised to follow up on was to complete my daughters gift from last year and get her the matching pieces to a suitcase we bought this summer. There was some confusion when I made the purchase for her about the right sizes. I was thinking she needed two large suitcases But my fiancee felt she needed the set of graduated bags. He of course was right(as usual). She will need an occasional weekend bag for traveling and not always the super huge size. Well... So The suitcases were on sale. It was a very good price. Not really for Christmas but at the right time to buy. So I went ahead to this store's online web site and made a purchase. BUT I forgot to enter the online purchase code. So I called Customer service to let them know. I had called to soon. They could not see my order yet. Okay, I'll call back later. Today I called again. Now my order has shipped. The lady on the phone said she put the info in on my account but I don't have confidence that she was telling the truth. So I will have to follow up this afternoon and call again to verify the shipping charges were credited. $30.00 is not a lot of money but its MY money.
I also saved myself $129.99 last Monday. Sometimes I forget that there is satisfaction in what you don't spend. I was charged for privacy protection on one of my credit cards. Seeing a charge on a card which had $ 0.00 balance at first caused me to feel waves of panic. I had paid for this service before. I thought it would be worse to pay for it then to fight it. (Before I started reading pf blogs I would have paid the charges and hoped to close the account. Now I know better.) Man was it hard to break out the sword and shield. I hate confrontation. But I did it. I called the credit card company... the wait for customer service is 10 minutes. ...UGH... Wonderful daughter bring me your cell phone. I called the privacy guard phone number. (While on hold with the credit card company)
I don't want this service please.
But all the wonderful benefits. Blah blah blah
No I don't want this service please.
But we have so much to offer.. blah blah blah
I do not want your service thank you.
Okay the cancellation number is xxxxx
All the while I am STILL on hold with the credit card bank. Now you see why I paid this card off first. 10 minutes to talk to a real live person! AGH. That and a 29% interest rate. so I have defended my money. I saved myself $129.99 in fees I did not want. All it took was two phone calls. Now please know that I do believe there is a good service to be had in privacy protection. I just cant afford that service right now while I dig myself out of debt. And $129.99 Really??? I don't think so.
I also saved $30.00 at the grocery store. seems like a lot right??? I think so too. There were a few items that were on sale that typically are not on sale. Couscous & stash tea. So I did spend over my weekly food budget by $35 but I think the savings helped to make it worth it. I love cous cous. and I saved $6.50 on that item alone.
I am not a financial professional. If you are looking for financial advise you should seek it elsewhere. If you would like to join me on the journey, walk with me for a while and be my friend......
Monday, September 10, 2007
enGuarde!
Guarding your wealth. http://guardingyourwealth.com/
Just the title of the blog inspired me to take care of a few things nagging at me. I am finally focused and calm enough to be able to gather my “WA” as my mom puts it. What I mean by that is I have moved three times in the last three years. This is the first summer we have not spent schlepping boxes from here to yhe ends of the earth.
Today was a rough morning but possibly something good can still come out of. Although I feel like the tide started turning yesterday.
But let me start at the beginning......
A few weeks ago my ex husband told my daughter he would stop paying support when she turns 18. He was goading me and it worked. The legal agreement is that he should continue support until she graduates from high school which is not until June. I was trying to ignore the pain in the neck it is to chase down the paperwork and transfer the agreement to the state I currently live in...... Well I have no choice now. How can you think that just because the agreement is over that the need goes away? She is a good kid. She needs his financial support even if he supports her in no other way. So I began the process again. It made me think of the knight in shining armor. I am the knight looking out for my child's interests. I am guarding her wealth.... So then I thought where is my wealth? And I looked at the 101 financial things I want to accomplish. Guarding my wealth... I saw that I needed to contact a prior employer to find out what finances I had left with that company. Now this was 8 years ago and the company has since changed owners a few times. I had attempted before to find an HR person who might be able to point me in the right direction with no success. Yesterday I started dialing for dollars again. Well, I did it I tracked down the pension. It is not a lot of money. BUT it is MY money and I want to make sure I guard well what I have.
The other thing I have done to guard my wealth was to create a RSS feed to track part time employment in my local area through Craigslist. (See the Getting Finances Done blog on how to set it up) Best thing I have seen in a long time! You can get notification/alerts for anything. I am using it to get alerts for a second job. Today I saw a position for a part time bookkeeper. Now this would pay more than working in retail and would be totally worth my time so I sent my resume. I don’t know if anything will come of it but I really need to get a second job. I have my fingers crossed. Just the fact that the alert worked in the way it was designed made me feel so empowered. Like a knight with his big honkin’ sword ready to take on the debt dollars. A financial Hero.
Thats what I need to take on the debt because today..... I spent the morning at the car dealer. Luckily I did not have to burn an entire sick day for a car issue. But $330 dollars later I realize I do need to get a second job... Like NOW!
Just the title of the blog inspired me to take care of a few things nagging at me. I am finally focused and calm enough to be able to gather my “WA” as my mom puts it. What I mean by that is I have moved three times in the last three years. This is the first summer we have not spent schlepping boxes from here to yhe ends of the earth.
Today was a rough morning but possibly something good can still come out of. Although I feel like the tide started turning yesterday.
But let me start at the beginning......
A few weeks ago my ex husband told my daughter he would stop paying support when she turns 18. He was goading me and it worked. The legal agreement is that he should continue support until she graduates from high school which is not until June. I was trying to ignore the pain in the neck it is to chase down the paperwork and transfer the agreement to the state I currently live in...... Well I have no choice now. How can you think that just because the agreement is over that the need goes away? She is a good kid. She needs his financial support even if he supports her in no other way. So I began the process again. It made me think of the knight in shining armor. I am the knight looking out for my child's interests. I am guarding her wealth.... So then I thought where is my wealth? And I looked at the 101 financial things I want to accomplish. Guarding my wealth... I saw that I needed to contact a prior employer to find out what finances I had left with that company. Now this was 8 years ago and the company has since changed owners a few times. I had attempted before to find an HR person who might be able to point me in the right direction with no success. Yesterday I started dialing for dollars again. Well, I did it I tracked down the pension. It is not a lot of money. BUT it is MY money and I want to make sure I guard well what I have.
The other thing I have done to guard my wealth was to create a RSS feed to track part time employment in my local area through Craigslist. (See the Getting Finances Done blog on how to set it up) Best thing I have seen in a long time! You can get notification/alerts for anything. I am using it to get alerts for a second job. Today I saw a position for a part time bookkeeper. Now this would pay more than working in retail and would be totally worth my time so I sent my resume. I don’t know if anything will come of it but I really need to get a second job. I have my fingers crossed. Just the fact that the alert worked in the way it was designed made me feel so empowered. Like a knight with his big honkin’ sword ready to take on the debt dollars. A financial Hero.
Thats what I need to take on the debt because today..... I spent the morning at the car dealer. Luckily I did not have to burn an entire sick day for a car issue. But $330 dollars later I realize I do need to get a second job... Like NOW!
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