Be an Asset

No more prizes for predicting rain. Prizes only for building arks.
Don Edwards Beck

People who respond to ideas by predicting what can go wrong are either the most dreaded or valued people around.  What makes the difference?

The person who is simply a naysayer and predicts doom and gloom is not appreciated.  That negativity sucks out the energy, puts people on the defensive and kills ideas.  The person who has the knowledge and experience to see the real  problems and shares them in a respectful way without grandstanding is a real asset.

For example, at a staff meeting someone made a suggestion that was very similar to something that had failed when it was tried a few years earlier.  Instead of predicting failure and automatically dismissing the suggestion, a colleague asked the others what had contributed to the previous failure and what, if anything, was different now that would lead to a different outcome.  It led to a great discussion that was productive for everyone regardless of whether the idea was accepted in the end.  If you want to be seen as part of the solution, how you present your critical insights will make all the difference.

Money Saving Tip

saving moneyShred old documents. No sense in tempting identity thieves.  It is especially important now when you may be getting rid of many financial records at one time after paying your taxes.

 

 

What made you smile today?

What made you proud of your money choices today?

Commitment

6-1sand dune & ladyCommitment leads to action. Action brings your dream closer.
Marcia Wieder

Remember your new year’s resolutions? Have you stayed committed?  If not, were your goals unrealistic?  Were there unforeseen obstacles that you couldn’t overcome?  Let’s start again today!  What is a realistic goal you can commit to that is really important to you?  What would you need to do today and each day to get one step closer to that goal?

Try to think of things that might cause you to fail or give up.  What can you put in place so that when you feel like you’re ready to give up you have someone to call, something to do to stay on track or an encouraging statement to say to yourself to help you stick to your plan for just this day?  try to imagine where you could have been if you stuck to your plan four months ago and set that as your goal for where you will be four months from now.  Commit to that goal.  Commit to your plan of action.  Plan how you will overcome obstacles and commit to sticking with that plan when obstacles cross your path.  Don’t give yourself any choice other than to stay committed.  You will act and you will see your dream getting closer to reality!  Today’s a great day to start fresh.  Make it happen!  Be committed!  See your dream come true!

Money Saving Tip

saving moneyNeed cookware? The best time to save on new pots and pans is during the October /November sales which is also a perfect time to stock up on holiday gifts and April/ May which fits for getting graduates gifts for their next chapter in life according to Mark Di Vincenzo, author of Buy Ketchup in May and Fly at Noon.

 

What made you smile today?

What made you proud of your money choices today?

What’s Your Plan?

A man is not a financial plan.
WIFE.org

Joyce was in her fifties and hadn’t worked since she married 30 years ago.  Her husband had a wonderful job and earned enough for them to live a fairly luxurious lifestyle and provide their children with good educational opportunities. They were now independent adults.  Her life looked great but she confided that she had wanted to leave her husband for a different lifestyle but stayed because she believed she couldn’t support herself.  She was very intelligent, had some marketable skills but lacked confidence in herself.  Eventually she got a job working at a furniture store and helped customers design their homes.  She did a great job, loved it but made very little money and her husband didn’t respect her income.  A year later her husband lost his very prestigious job when the company was bought out and he wasn’t able to find another job.  Now they were dependent on her health care benefits and her salary to make ends meet. What an unexpected change.

Women should stay married because they want to be with the other person, not because they are financially dependent.  Whether or not you’re working and regardless of how you and your spouse choose to manage your money, be aware of the family finances, have an active voice in financial decisions and make sure you have your own money. Have those serious talks with yourself and with your partner.  Have a sense of what you would do if you needed to support yourself and your family.  A man is not a financial plan.

Money Saving Tip

saving moneyStockpile soup by pouring extra portions into zip-locked baggies, then laying them flat in the freezer. Once hardened, you can stack them up and save them for a quick meal on a rainy day.

 

 

What made you smile today?

What made you proud of your money choices today?

Find the yes!

8-13bird owlYou have to say no to the old ways before you can begin to find the new yes you need.
Betty Freidan

How are you doing with your new year’s resolutions? Or the one word that was guiding your choices? Or the goals you set at the last motivational seminar you attended? It’s time to get back on track if you’ve gone astray! To be as successful as possible, what can you clear out to eliminate obstacles and make way for the new?

Want to eat healthier? Start by going through your refrigerator, pantry, closets and drawers and get rid of any food that isn’t on your healthy eating plan. Donate it. Feed the birds. Ruthlessly remove temptation. Once everything is cleaned out, stock up on the foods you want to eat.

Want to save more money? Think about what tempts you to spend unnecessarily. Say no to magazines that are loaded with advertisements and coupons to encourage you to shop. Turn off the shopping channel. Unsubscribe from store and product emails about the latest sales and products. (If there is something specific you need, do a search for that coupon or sale, nothing else!) Go to free standing restaurants to avoid casually being lured into shopping opportunities.

Want to have some time to yourself or more time with your family? Think about what and who you will say “no” to and rehearse it in your head. Trying to please everyone or to be superwoman is not going to help you have any type of balance in your life so choose how your spend your time wisely and say no to time wasters and time stealers.

What will your new “no” be so you can say “yes” to yourself?

Money Saving Tip

saving money Get twice the meat for the same price. Studies show we tend to eat more if the portion is bigger. Simply slice chops, steaks and chicken breasts so they are half the thickness and cut meat into smaller chunks for soups and stews so it seem that there is more. This is an easy way to practice portion control and save money.

 

What made you smile today?

What made you proud of your money choices today?

Stair-Step Spending

Don’t confuse frugality with depriving yourself. Frugal people don’t deprive themselves; they decide what is important to them, do the research to get the best deal and don’t spend money on things they don’t value.
Jonni McCoy, Miserly Moms

Ever hear of stair-step spending, a common frugal strategy? The goal is to identify what you want and get what is important to you. This method places the most expensive option on the top step and less-costly alternatives on lower steps. Let’s say, for example, you want a fabulous family vacation at Disney World.

  • Top step:  Stay at a Disney Resort Hotel during the high season. Eat all meals in restaurants and buy snacks and souvenirs in the park.
  • Next lower step: Do the same, but go during September-October or January for significant off-season hotel and travel discounts.
  • Third step: Go off-season and stay at a hotel outside the park where breakfast is included. Buy discount tickets to the park online. Bring snacks and drinks. Plan to eat two or three meals in the park but bring picnic lunches and go to less expensive restaurants outside the park for your other meals.

The difference between steps one and three can be thousands of dollars, but opting for step three means you still can do everything you wanted to do and have a great time. Quality was not sacrificed when more frugal choices were made.

Money Saving Tip

saving moneyKeep a date book or online calendar of birthdays you want to remember. Buy cards ahead of time (look for sales).  Pre-address and stamp envelopes so they are all set to go on time.  Planning ahead will save you money and be less stressful.

 

What made you smile today?

What made you proud of your money choices today?