I was tagged in a meme a few months ago, one of those ‘random things’ ones floating around. So I wrote a post about some random financial things about me. Now though, it’s your turn! Don’t feel obliged to come up with seven things, but what are some random financial things about you?
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{ 6 comments }
Well, let’s see…
1. I married an ADD-addled spender. Both of these things have toned down big time since we’ve been together.
2. I believe, when repaying debt, it’s important to save your sanity a little by budgeting for SOME fun once a week. A movie or a dinner out… Whatever. Otherwise, you’ll go on a spree after deprivation and then feel horrible, so deprive yourself further, leading to a spree… Essentially financial bulemia.
3. I really wish I could make a real salary right now. I have disability and some contract work coming in, but that still means I’m at under $24,000. I just want to pay off this debt and give my husband time to get physically better before needing to work again.
4. I hope to slowly start to make a living off my blog. It may be pie-in-the-sky. But I’m edging up toward 300 readers/followers, so perhaps in another year I could make a decent sum? Dunno, but it gives me something to shoot for.
5. I’m off to take a walk in the beautiful sunshine and get a slurpee with my husband because, as the cliche goes, the best things in life don’t have to cost much.
Abigail´s last blog post..Someone agrees with me!
1. I was *never* good at saving when I was a kid/teenager. In fact I kept getting hit with the “excessive withdrawal” charge at my bank.
2. I had about $4,000.00 in credit card debit when I was 22, I paid it ALL OFF within a year and a half. (Lots of overtime was worked!)
3. I am currently a SAHM to, 2 kids, and feel bad whenever we “need to go to the store”, this is usually for basics (milk, diapers etc.)
4. My husband and I talked about setting up a budget before I became a SAHM, I thought he was nuts, now I see how smart that really is.
5. Hence following the budget has been an ongoing learning experience for us.
6. My (almost) 3 year old is being taught about money. He thinks a dollar is the coolest thing in the world. (I hope it stays that way!)
7. This blog has really been a GREAT INSPIRATION for me in trying to live a more frugal life. I really was moved by yesterday’s post on staying motivated.
At 49, I am some what more “retrospective” in my thoughts….
1. I wish I had taken advantage of benefits such as educational re-imbursement @ work. Education is the best investment in one’s self. Please find a skill or training that NO ONE can take away from you. I.E., if you lost your job, you could easily find another. I choose to pursue a career in Nursing after a company shutdown. I loved everyday I attended school as an adult, it was such a treat & such a confidence builder. I may not always have the “kind” of job I want or the “hours” I want, but I can ALWAYS be employed in some capacity.
2. You are going to think I’m crazy after my #1 comment, but the last 10 weeks, I have lost 50% of my hours at work due to a drop in surgeries. I work in the recovery room & elective surgery has dropped significantly since late 2008. I think we perceive needing “emergency” funds for being “un”employed; but I think we fail to realize that need for funds if we are “under” employed. Fortunately, I had put myself on a strict budget several years ago, which has allowed me to live on less as my hours @ work have declined. I could pick up additional hours at another facility but right now, I’m in a position to “ride the waves” for a little longer. I could not have done this 5 years ago….
3. I periodically go on “shopping” fasts i.e. I will not/do not spend for a period of time. I do this to pack away the bucks but more to use what I have been given. I live in abundance, having running water, lights & food, I need to do this so remind myself how lucky & blessed I am. The longest I lasted was 6 months of no spending on myself, not even a pair of pantyhose!!
4. As a parent of a 30 y.o., I have come to realize that my financial behavior was “picked up” via example…he is very responsible, but many times I “see” my spending habits in him….ugh…but he is very disciplined & is doing great at living providently.
5. My final muse is gratitude for blogs like this to read how others are doing on their journey & how they figure things out. I’m an old dog but not too old to learn!!
To Denise: PLEASE do NOT feel GUILTY WHEN YOU GO TO THE STORE FOR NECESSITIES. IT IS SO HARD AS A SAHM TO JUSTIFY SPENDING WHE N YOU PERCEIVE YOU ARE NOT EARNING!! YOU ARE INVESTING IN YOUR CHILDREN, WORK ON YOUR BUDGET BUT LOOK AT IT AS AN OPPORTUNITY TO GROW….LOSE THE GUILT, YOUR KIDS WILL NOTICE IT!!
Denise, thanks so much! I’m glad you appreciate what I write. And I totally agree with Sherry- although I know how hard it is when you don’t have money but still need to eat!
🙂 Thanks Sherry and Kelly!
1. I stockpile faithfully! It has taken us through some lean times
2. I am compulsive about coupons
3. I have a set amount of my pay direct deposited to a credit union 30 miles away so I am not tempted to spend the money
4. My DH “saves” his paychecks until the mortgage is due. Then he deposits it and makes the payment (weird I know)
5. I take my 12 yr old on “coupon trips”. He gets a list, coupons, and $$. He has to do the shopping and pay.
6. We drink ALOT of coffee, so we have thermoses to bring to work.
7. I shop for gifts year round, so I always have something on hand for Birthdays and Christmas
kristen´s last blog post..Managing Frugality With Special Dietary Needs