Tag Archives: money

A Little Discipline Goes A Long Way

Discipline

 

It was a place I’d been in before.  I had to buy items from one store, then finish grocery shopping at another.  Sound familiar?  The stores are close in distance, so that wasn’t a problem.  But the potential issue lied in me getting caught in a familiar trap – spending too much at the first store and having to use credit to cover the rest at the second location.  This time, however, I determined it would be different.  And learned valuable lessons in the process.

I spent what I had to spend – no more.  If I didn’t have the money, it stayed in the store.  Temptation knocked at that great sale, or how much I would be “saving”.  But I resisted.  I stayed focused.  And I learned a lot from that small decision.

1) Discipline is catching.  It permeates all areas of your life.  Decide to be more disciplined in your eating, in your exercise?  Watch your thinking change for the better in your spending.

2) It feels good to delay gratification.  It feels good because I knew the end result will be worth it.

3) Celebrate victories no matter how small.  Yeah, me!

It All Comes Down to the Money … Or Does It?

This is worth another share ….

September Blog - Money

“Measure your wealth not by the things you have, but by the things for which you would not take money.”
Dave Ramsey, Financial Peace Revisited.

It’s so easy to get caught up in making everything about money. “Look at me I can buy this,” or “We don’t have enough for that.” Or how about “I’m gonna buy this because I can,” or “I won’t be happy until I can afford that.” Chances are, you’re in one of those statements. I read those punctuating words listed above, in Dave’s book, and paused. How refreshing for a book about finances … to talk about measuring wealth by standards other than finances.

Just a little reminder as you start your week. Maybe you’re headed to a job you hate. Maybe you wish you could be doing something, anything, other than what you’re doing. Maybe you feel like you have so little and times are so tough, that sitting to cry is a welcome release. Maybe, just maybe, you have plenty of money … but not the peace or happiness to go with it. Well, here’s a reminder of the things for which you would not take money.

• Your health (you’re able-bodied enough to read this blog)
• Your sight (again, you’re able to read this blog)
• Family and friends
• A place to lay down your head at night
• A mind to think of new ways to do and be more
• The ability to draw the breath of life

I guess it really doesn’t all come down to money. Does it?

I Dare You . . .

Pay-It-Forward Blog Pix

I recently made an elderly couple cry. And I’m so glad I did.

My boys and I were out to eat for lunch (perk of homeschooling) :). I’d brought along a few things, like LEGO Mini Figures (easy to carry in my purse), to keep them busy. However, we had so much fun talking, laughing and being silly, that we didn’t even need them. Now I thought they were being TOO LOUD. Playing tag, hide and seek (all within the confines of our booth, mind you), and I Spy, we were a rowdy bunch. We got more than a few looks. Finally the food came out, and calmness ensued as we ate. That’s when the elderly couple came in, and sat directly across from us. We finished eating and prepared to leave. They smiled sweetly and remarked what sweet boys I had (I was thankful they hadn’t seen us earlier). I then reached in my pocket and pulled out money for their bill. They were astonished, told me to keep the money for the boys, or for myself, or that they didn’t need it, and why was I doing it? Just because, I said. It wasn’t because they complimented us or were nice to us. It was just because I saw them, and I wanted to. So I did. And when I saw them overcome and tears forming in their eyes at such a small gesture, I felt amazing.

I Dare You . ..

To pass it on. To do something for someone who can’t do anything for you. To be a blessing to someone “just because”. To brighten someone’s day, then encourage them to do the same for another person. To show that no matter how many painful things happen, there are still people out there who are genuinely nice … loving …. caring.

Here’s an awesome example of somebody “Passing It On”
https://www.facebook.com/equippinggodlywomen/posts/791581494264666

Focused on Purpose

I recently received an interesting … and potentially very lucrative … offer. It appealed to me for a variety of reasons. First, it involved organizing and structuring an event, something at which I excel. It offered the chance to pay quite well. It would allow me the opportunity to be in charge, and orchestrate the flow of the event. And it involved lots of famous people. While I’m not the type to get star-struck, the last point made it sound fun and like a great opportunity to network. The person offering the job had the utmost confidence in my abilities to pull it off successfully. He knew I could do it; I knew I could do it; so why didn’t I do it?

Once I stepped away from the glitz and glamour of the offer, I looked at the reality of it. The time needed to make it a success would be practically 24/7, non-stop, due to the short time frame to accomplish the task. It would be a constant grind, and I’d have very little assistance. These two factors alone, however, didn’t deter me. I am definitely no stranger to hard work, and actually thrive under deadline pressure. But the final reason caused me to completely step away. This opportunity, beautifully packaged and wrapped with a bow, was a distraction.

As I study and pray more and more about my purpose, and fulfilling it with passion and determination, I realize I can’t take side journeys that may lead me down the wrong path. Now there’s nothing at all wrong with making additional money using your talents. There’s also nothing wrong with accepting a job that may not be exactly what you want to do – especially in a short-term capacity. However, this job seemed to have all the makings of getting me caught up for longer than I wanted to be, doing more than I wanted to do, at this time. So I had to pass.

Maybe the chance will come back around and I’ll be ready. Or maybe its sole purpose was to see if money would be my guide. But money isn’t everything. Pursuing my purpose, is.

It All Comes Down to the Money … Or Does It?

September Blog - Money

“Measure your wealth not by the things you have, but by the things for which you would not take money.”
Dave Ramsey, Financial Peace Revisited.

It’s so easy to get caught up in making everything about money. “Look at me I can buy this,” or “We don’t have enough for that.” Or how about “I’m gonna buy this because I can,” or “I won’t be happy until I can afford that.” Chances are, you’re in one of those statements. I read those punctuating words listed above, in Dave’s book, and paused. How refreshing for a book about finances … to talk about measuring wealth by standards other than finances.

Just a little reminder as you start your week. Maybe you’re headed to a job you hate. Maybe you wish you could be doing something, anything, other than what you’re doing. Maybe you feel like you have so little and times are so tough, that sitting to cry is a welcome release. Maybe, just maybe, you have plenty of money … but not the peace or happiness to go with it. Well, here’s a reminder of the things for which you would not take money.

• Your health (you’re able-bodied enough to read this blog)
• Your sight (again, you’re able to read this blog)
• Family and friends
• A place to lay down your head at night
• A mind to think of new ways to do and be more
• The ability to draw the breath of life

I guess it really doesn’t all come down to money. Does it?

Things I’ve Learned From My Husband

My husband is a laid back guy. Cool, level-headed, rational – you know, my opposite in many ways. Though I like to think I have all the answers, especially as a parent, I must admit I’ve learned a thing or two from this man God has blessed me with.

Here’s a few things I’ve learned from the hubby:

1) If the boys aren’t bleeding and no bones are broken after a fall, they’re fine.
2) Having the kids sleep in our room every night is NOT a good idea
3) If you’re tired, you should go to bed. My to-do-list items will still be there tomorrow.
4) Our kids have it pretty good. They’ll be okay without the latest gadget or toy.
5) Overreacting gets us nowhere.
6) Living within our means really is a lot smarter.
7) My husband has been graced by God to raise our boys to be men. I need to let him do that.

Budget Momma

My husband and I threw my son an awesome birthday party. My son and his friends had a blast, it was relatively low maintenance, but here’s the best part … the location was free!

I thought I’d just share a few of the secrets I use to take full advantage of any deals and bargains I can find. Parents know how astronomical prices for kids’ parties can get. A kids’ “jumpy place” (as I officially call it) can run upwards of $300 for about 15 friends. No food. No drinks. No cake. Just jumping. Yikes.

So armed with this pricing knowledge and determined to spend nowhere near that much, I started a brainstorm session. Where can kids go to play that may not be considered a “party venue”? I was flooded with thoughts – and pursued many of them. A YMCA rec room? A church with a nice-sized gym facility? Maybe a craft store? I did come across some other cool, unique venues, but they were costly. And that’s not what you’re reading for. You wanna know how I got the free goods. I finally hit the jackpot when I called … Home Depot.

Now, I must issue a MAJOR DISCLAIMER – All Home Depots do not allow you to have a birthday party. And for some that do, there may be a cost. But more important than the location is my method. Here’s a few quick steps to having a party, or doing pretty much anything else with kids, for cheap.

1. Ask what they offer. I cannot believe how many people are afraid to just ask. I’ve always had the attitude that the worst they can tell me is no. And I’ve been told no plenty. But I’ve also scored free stuff.
2. Always be honest. Tell them exactly what you’re looking for and why. Trying to play up your cause or shading the truth just isn’t worth it. Honesty truly is the best policy.
3. When it comes to attending an event or getting coupons, I exhaust every option. I once wanted to take my boys to an expensive event. Well, with my hubby there were four of us. I called the group sales to find out if we could get group pricing for my family with four people. Turns out we could. You have not because you ask not.
4. Keep your eyes peeled for “free days”. The Children’s Museum of Atlanta has free admission on Target Tuesdays. Fulton County residents can get free admission to some museums on the first Saturday of the month.

My children have had exposure to some incredible events and opportunities. And I’ve been blessed to provide it … for a lot less than most ;).