Tag Archives: Finances

Priorities and Success in Baby Steps

My cat has decided I am spending too much time attached to the computer.

She often stares at me like so:

jitterbug

She is judgmental, this cat. She has a PhD in Judgmentalism.

A couple of months ago, I set a few goals:

 Get a financial plan in place.

Get some sort of chore management program in place.

Go out once a weekend, and preferably not for just groceries.

So far, I’m doing pretty well. I’m still tinkering with the financial plan, but I started tracking assets and debts, and am glad to say that I’m definitely moving in the right direction. I’ve set a chore management plan, and still tinkering with it as well.  As for the going out, I’m rating about 50%.

One of my biggest challenges, financially speaking, is attempting to save for so many things at once with a finite amount of income. When I say I love my car, I mean I LOVE my car. Unfortunately, she’s 12 years old and, like ice cream especially in my house, won’t be around for ever. I want to have an emergency fund of $5000. I want to pay off my house. I want to save for retirement. I’d like to buy something fun once in a while or go on vacation some time before I shake off this mortal coil.

Continue reading Priorities and Success in Baby Steps

Mindfulness, Mirth, and Money

Image

One of my greatest spiritual teachers has been (and continues to be) money.

It sounds strange, even to my ears.

When I think of spiritual teachers, I think of the Buddha, Jesus,  St. Francis, Rumi. Saints and Sufis, philosophers and monks.  I think of men and women who have demonstrated spiritual law, who have lived godly lives, who have magnified peace and compassion.

I don’t necessarily think of things. Especially not money-type things. After all, love of money is the root of all evil (or all kinds of evil, depending on your biblical version); it doesn’t seem to be an expressly spiritual thing.

And yet money seems to be my first–and longest lasting–teacher in mindfulness.

I first started paying attention to where I spent my money when it seemed I was running out of it.  I had, month after month, mindlessly paid my bills and without ever paying attention to them.  Why? I had enough to pay for them. It was only when my “safety net” dropped below my “acceptable” threshhold that I really started to pay attention.

I noticed how very much I was spending in a nation-wide “big box” store, a store, I might add, who promised to save me lots and lots of money.  I hated going to this store, everything about it was unpleasant, from the struggle to find a parking space to the obviously unhappy cashiers. The chain has a horrible reputation both for poor customer service and for the way it treats its employees.

I knew all of these things.  But yet, I went.

Because it was convenient. It was convenient, I found, to be able to buy light bulbs, socks, and milk all in the same place. It had everything I needed.  And then some.

As I became more aware of my distaste for the store, I began shopping at local stand-alone grocery stores. The prices were higher, I noted, in some cases much higher. So, for a while, I vacillated, torn between the better service and quality of the grocery store and the lower overall prices of the big box store.

And a strange thing happened. Continue reading Mindfulness, Mirth, and Money