Is Marrying Well the Answer?

Bob & me72
My sisters were taught that “marrying well” would be a success while I was told that “the world’s opportunities were there for me to seize.”
Warren Buffet

When I wanted to go to college, my dad said, “Why would you want to do that?  You’ll just get married and your husband will support you. It will be a waste of money.”  Well, I did go to college and I did get married. However, my education was definitely not a waste of money!

Besides having work options, I could choose to stay married (just celebrated our 40th anniversary!) because I wanted to be married, not because I felt stuck or scared with no way to support myself. When women are financially dependent, it potentially puts them in a very vulnerable position.

Fortunately, times have changed and women are getting higher education, more leadership positions and careers with great opportunities and significant salaries.  While it’s not true across the board, it’s a huge start.

Ask yourself, are you part of the change to help women have dignity and respect?  Do you speak up for yourself, apply for challenging positions and negotiate your salary and benefits?  If you are in a position to pay for daycare, hire people to provide services and employ others, do you pay them well or as little as possible? Do you look for opportunities to advocate for others?  We’re all in this life together. Let’s seize the world’s opportunities and create a better future for ourselves and others!

Money Saving Tip

saving moneyIf you are planning to get a mortgage or any other type of loan, get your credit score as high as possible!  How?  Don’t open any new credit cards or take out other new loans.  Only use 10-30% of your credit limit on any card (you lose points if you use more than that–even if you pay your bill in full in each month!)  Always pay your bills on time! Check your credit reports to be sure there are no mistakes (It’s free at the official site: annualcreditreport.com)  Those few actions can help you have a better credit score and that can have big payoffs!  You may be able to get lower interest rates and pay fewer fees. Result?  You can save hundreds to thousands of dollars on a loan!

What made you smile today?

What made you proud of your money choices today?


Bad day!

chairs lake

The world isn’t perfect, and some days it wears you down. You can either accept that, and face it….or you can decide the rules are too tough and they shouldn’t apply to you. Chloe Neill, author of Biting Cold

Yesterday was one of those days that just wore me down.  A project I’ve been working on is supposed to be coming to an end but a vendor emailed that he could not meet my deadline.  Later I did a presentation that completely fell flat.  I was embarrassed, angry and upset with myself.  Then I got an email basically scolding me for not being responsible in spite of the fact that I had done my best to follow directions and meet their specifications.  Evening came and another email blindsided me.  It was one of those days.

So last night before I went to bed I made a list of everything that had gone wrong.  By the time I got to number eight I was feeling better just getting everything out of my head and on paper.  Plus it helped me realize that it really had been one of those days and it wasn’t all in my head.  Looking at my list I realized I could let some of it go.  I could see solutions to a few of the problems and that only left me with one big problem I would need to address.

I still haven’t solved that one problem, but today I woke up feeling much more in control.  I have been able to focus on that one challenge and realized I need to act, letting it slide will not serve me well.  I’ve come up with a few different ways to address it and decided to give myself a few days to let it sit, mull it over and challenge my assumptions.  By Wednesday I should have a solid plan and will act on it.

Have you had one of those days?  How did you make the best of it and decide what to address and how to go about it?  Facing those challenges is a way to grow.  You can do it!

Money Saving Tip

saving moneyYou’ve probably heard this before, but make sure you aren’t hungry when you go food shopping!  If you’re hungry, without realizing it you will end up spending more money because more things will appeal to you and you won’t be thinking as rationally.  It’s the perfect setup for impulse buying!

 

What made you smile today?

What made you proud of your money choices today?

 

 

 

Trust

If a person is not able to trust, he or she will interpret erroneously the words and actions of others.
This distrust will create misunderstanding,
and these will lead to tensions and unpleasant experiences.
Gary Zukav

 
Molly dreads hosting holiday dinners. Her sister-in-law, Judy, is a generous person and always brings lots of special dishes as her way of showing that she loves and cares about her family. Molly believes Judy brings all of this food because she doesn’t trust her to prepare a dinner that meets Judy’s standards. Molly takes it as criticism and each year escalates her own preparations. Judy and the rest of the family sense the tension but don’t understand it. Judy then brings more food as her gesture to be nicer and without realizing it is adding fuel to the fire.

At work Molly can’t trust her assistant Kendra to do anything on her own without wasting Molly’s time with a zillion questions and checking in at every step. What’s really happening? When Kendra started work she had lots of enthusiasm and showed initiative. Molly didn’t take the time to train her but got impatient and critical when Kendra didn’t do things as Molly would have. Now Kendra is afraid to take any chances and feels like she is walking on eggshells trying to please her boss.

Many people like Molly have trust issues and it affects all of their relationships. How does trust play out in your life? Have you experienced any relationships where trust was an issue? Do you trust yourself enough to trust others?

Money Saving Tip

saving moneyTry going meatless a few days a week to save money. Meat is frequently the most expensive item on the shopping list. Beans, grains and veggies can provide delicious healthy meals that are easier on you budget. Try Meatless Mondays, Fishless Fridays and Dairy-only Days.

 
What made you smile today?

What made you proud of your money choices today?


Creativity

It is easier to enhance creativity by changing conditions in the environment
than by trying to make people think more creatively.
Mihaly  Cikszentmihalyi

You know how important it is to think outside of the box, be creative and come up with new ideas. Here are five tips to get those creative juices flowing:

  • Change your environment. The new location has to shake your brain, not just be another room.
  • Change your perspective. What would a bus look like if you stood in front or behind it, lay under it, sat in the driver’s seat, or lay on the floor inside looking up? What if you looked at your topic from many different angles?
  •  Change your routine. Try working on your project as soon as you pop out of bed. Spend a few minutes before you go to bed writing down ideas. Schedule meetings at different times and on different days of the week. Sit in a different spot. If you usually write, draw. If you use the computer, try writing by hand.
  •  Change your stopping point. Most people will stop the process at a logical point. Instead, stop mid-point: when you restart the juices will quickly snap back to the previous thought and keep going.
  •  Charge your batteries. Exhausted bodies drain your brain. Get sleep. Exercise. Eat well. If you’re planning a creative retreat or meeting, don’t pack the schedule so it is very tight. Make sure people have time to take care of the basics, build in movement and have some down time.

Money Saving Tip

saving moneyInvest in some fun things and keep them within reach to add some play into your thinking process. I keep a kaleidoscope on my desk. The dollar stores are great places to find markers, slinkies, tops and bubbles. A box of magnets or different plastic contraptions that can be reshaped and manipulated are fun. You never know where your next creative idea may come from when you play.

What made you smile today?

What made you proud of your money choices today?


Habits

We first make our habits, and then our habits make us.
John Dryden

Habits are usually formed for good reasons. Some started because of training (like brushing our teeth.) Other habits were formed because certain behaviors worked well to meet our need to stay safe, in control, keep the peace, receive attention or gain success. After a while habits become so automatic they seem almost involuntary. We don’t even realize what is triggering our behavior. The question is, are you aware of your habits and are they working for you or not?

For example, if you typically jump into things with good results, you may have been reinforced for being daring, brave, a go-getter and/or fearless. Now the same behaviors may only be marginally effective. You might benefit from learning to put the brakes on in order to consider options, ask questions and look at potential long-term consequences. Conversely, if your habit is to carefully analyze each decision, you may have avoided many mistakes and problems. What percent of those delayed decisions actually led to significantly better results and were there times that the delay actually caused more problems or missed opportunities?

Think about the past year. Are there times you wish you had acted differently? Look for a habit of reacting you didn’t realize was influencing your behavior. That insight could lead you to take control of that habit and lead to better outcomes in similar situations in the future.

Money Saving Tip

saving moneyWhenever possible, pay for your car in cash. Buy the best used car you can for the money you have. Then every month add the amount you would have spent on a car loan to an account for a new car. It will add up to pay for all or most of your next car in cash. Why pay all those interest charges to a lender? Pay yourself!

 
What made you smile today?

What made you proud of your money choices today?