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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.

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:30 March 14, 2013

Filed under: Uncategorized — cgg111 @ 12:59 am
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What can you do in 30 seconds?

I can:

*do 12 pull ups with a band

*Rock the rower, sprint, bike

*do 15 squats with #45

*do 15 of most TRX exercises

For most of my students :30 is a really long time.  For me, watching them during testing it was a painfully long time.  Some struggled to finish before the timer went off.  For me, at the gym, I try to get one more in before the timer goes off.   I am sure this is similar to what my students feel.  I love it and enjoy the rush of pushing myself.  I am sure my students do not.  I am sure they dread the last :30 that they have to work on a timed assignment.

Do you live for the last :30 or dread it?