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Financial Freedom June 13, 2017

Filed under: Uncategorized — cgg111 @ 6:50 pm
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I began reading Suze Orman’s book after I filed my taxes for 2016.  One of the two biggest things my ex and I would “fight” about was money.  He wanted to spend it and I wanted to save it.  I would go nuts when he would “borrow” money from our savings to cover bills until pay day when he would put it back.  It was a very ugly cycle.  One that I am happy is broken.  I have begun following the principles in Chapter 3 of her book 9 Steps to Financial Freedom.  I write everything down.  Everything.  I bought a 1.39 worth of bananas and yes wrote it down.  The money may seem like a very small amount but when I have 2 dollars until pay day, that dollar purchase is a huge deal.  I have begun analyzing where I spend most of the money I make.  It is at the grocery store.  Some things I cannot help but purchase.  Fruits and veggies are non-negotiable.  I need them in my house.  They are staples in my diet.  Chicken, fish, and turkey however, I am learning to buy when it’s on sale or walk away if the price is just too much for me.  I try to spend around $10/week in meat.  Eggs are much cheaper and I can make meals stretch using them.  I do not need $5.99 almond butter when there is an alternative for $3.29.  When I have more money, I splurge on the almond butter because I get it “life is short” and I want to enjoy the foods I eat since I spend most of the day eating.  Working two jobs requires a lot of energy.

The other thing I am considering is switching cable companies.  Dish has been sneaky with their pricing and has added $1 to each of my bills for the past two month.  Think I don’t notice?  I do.  I’m waiting to see what it is all about before making a move.  I have done my research and am just waiting to see what the next move is.  I just got a new dish as the other one was knocked out of satellite range after a bad storm.  I don’t owe Dish anything for their service and there was a nice man who came and hooked me up with a new dish.  But the bill is just too high for someone who only watches the games on the weekends. Verizon is another company I am looking to leave and again just when I get one bill straightened out, something else happens and I am on the phone another two hours trying to get an issue corrected.  I have X-finiity’s rates and am again just waiting to switch over.

My credit card was paid off a few months ago.  I am honestly so proud of doing this.  Prouder than I thought I would be.  I had close to $5,000 on it and paid it off chunk by chunk.  I am never going back there.  The next big thing I will have paid off is my car.  Only 7 more payments.  This is also a very freeing feeling.  Then my student loan.  Bit by bit I am learning to allocate funds to make them work for me.  I am putting more away into my savings than I have in a long time.  This time it is staying put.  I am putting the money that I would be using to pay off my credit card toward paying off my student loan.  16 more payments and it’s paid off.  This motivates me very much.

I know my dad would be very proud of the decisions I am making.  I am learning I have plenty. I am learning to buy only what I need.  I am learning to eat all the foods I have left in the house before buying more.  I learning to go without some things for now, because I know I will be able to buy them later.  Having a full tank of gas is not necessary all the time.  Half a tank will get me where I need to go and then I can add more.  In the summer I drive less and ride my bike to the gym which is more savings.  I am learning to juggle which bills to pay when.  I have found the inner strength to not turn on the air conditioning when there is a super hot day.  I know the next will be cooler.  We are currently in a three day stretch.  Today is day three.  I made it.  I know it will be hotter for longer this summer and I know my will is stronger than any ray’s of the sun.

I am very grateful for my ability to analyze situations and make the best decisions for me. I am grateful for the ability to reflect and think about what I am best using my money for.  Please feel free to share any money saving tips you have.  I love learning and enjoy multiple perspectives on things.

 

Motivational Monday August 12, 2013

Filed under: Uncategorized — cgg111 @ 4:50 pm
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Found this quote on Twitter today that I thought was very appropriate for the upcoming events in my life and I wanted to share.  Hopefully this will help bring some perspective to something you might be considering.

“People too weak to follow their own dreams will always find a way to discourage yours.”-From Be Healthy

I have faced some negative energy about the things I plan to do in the near future.  Mostly from my parents and rightfully so they payed for my undergrad and are still paying my loans no doubt.  To them they see me as throwing away my education.  They are both not happy about the jobs they go to every day so I am sure the idea of branching off and taking a chance on something new is quite foreign.  However, I am not going to waste my life being negative about a situation that I could potentially change.  There are far too many people who sit around and complain about something and are not willing to take any chances to try to change their situation.  

What do you think?  Are you willing to take a chance at happiness?  Are you content to be “comfortable?” 

 

A new series August 11, 2013

Filed under: Uncategorized — cgg111 @ 8:26 pm
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Taking time to reflect on this past school year has lead me to many conclusions.  One of which writing really does help me put things into perspective.  I am not a negative person.  My job makes me a negative person.  Something must change.  I am working on it.  I have to be patient.  What I can control in the mean time is something I have been meaning to start and that is daily posts with a theme.  

I am starting this school year trying to be more positive than I was last year.  I was totally stoked about a new position last school year and there quickly became many factors that were beyond my control that made it less than pleasurable.  My job this year is 1/2 what it was last year due to someone new being hired.  Hopefully this will help but I have a feeling that some things still need to change.  I only hope that I am listened to.  I hope that someone understands where I am coming from and changes are made. 

I have landed a pretty sweet part time job which I am very excited about.  I am hoping this will lead to many new opportunities and only time will tell.  Again just gotta be patient.  In the meantime sit back with a cup of tea and join me for Thankful Sundays.  This will be a time to mentally prepare for the week and hopefully bring peace to anyone who reads it.

“Shoot for the moon.  Even if you miss you’ll end up with the stars.”-Wes Brown.  This has been one of my favorite quotes since high school.  It reminds me of my friend Lynette who was in my English class when I first heard it.  She is a very successful lawyer and has never fallen short of any goal she wanted to reach.  This quote is very appropriate for a few different reasons at this point in my life.  I am trying to make some major changes and I have shot for the moon.  If I miss I will still have some pretty amazing things to be proud of and more reasons to be happy.  I am trying to remind myself to be patient as I wait for some answers before I can move forward.  In the mean time I am shooting for the moon.

 

What is one thing you are shooting for this week?  Anyone out there thinking of starting a new career?  What’s stopping you?  Are you truly happy with what you are doing now?