Happy New Year! Last post!


Syble CFED fixedWe should all be thankful for those people
who rekindle the inner spirit.
Albert Schweitzer

Thank you all for rekindling my spirit! Knowing you were out there reading what I wrote made it more meaningful than simply jotting my thoughts down in a journal. Plus, your thoughts, ideas, comments and accolades certainly rekindled my inner spirit time and time again. Thank you to my readers who have been with me from the beginning three years ago and to those who joined along the way. My best wishes as you continue to take control of your life and your money one day at a time to make 2015 a wonderful, healthy and prosperous new year! Syble   (And I’d love to hear from you just email me at Syble@lifewise.us)

Money Saving Tip

saving moneyKaycee, our wonderful dog just turned 15. Follow her example of saving even a little bit at a time and watch it add up!

What made you smile today?

What made you proud of your money choices today?

Life in the Middle

New posts to Inspired Savings will be ending Jan. 1st. All posts are archived at inspiredsavings.com and Inspired Savings is available as a calendar book.
Life is not so much about beginnings and endings as it is about going
on and on and on. It is about muddling through the middle.
Anna Quinlan

Writing Inspired Savings has had its challenges. Starting it online meant learning a new program. That was a big hurdle. Technical glitches were frustrating. My plans to write would be interrupted by unexpected problems or opportunities. Often I would be caught off guard by something I was writing and realize I needed to listen to myself and follow my own advice! Sometimes I just didn’t feel inspired.

Once when I was ready to give up, I received a touching email. Someone who was in a domestic violence situation had read that day’s post and it gave her the extra support to go to a shelter to get help. On another down day someone else wrote that reading Inspired Savings helped her get a new job with a higher salary because she “went for it.” Those emails and many others helped me “muddle through the middle.” It made those days special knowing people were inspired to take control of their money and their lives!

I was also proud of myself that I did the project little-by-little. It was time consuming, but each small part added up to completing a big project. That’s what I hope for you—that whatever challenges you take on or that life throws at you—you will break it down into manageable pieces and conquer it one step at a time and do it! I hope that as you muddle through the middle you will persevere and hear a word of encouragement to help keep you going. You can take control of your money and your life one day at a time!

Money Saving Tip

saving moneyStart off the new year with a smile and can-do attitude. You will reap rewards that are good for your life and your bottom line! Happy New Year!

 

 

What made you smile today?

What made you proud of your money choices today?

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?


Simply

A little simplification would be the first step toward rational living…
Eleanor Roosevelt

We tend to complicate our lives with stuff we don’t need and worry about things that we can’t control. We may dread life experiences that we are perfectly capable of handling because in our mind we blow them out of proportion by imaging ominous possibilities that are very unlikely to materialize.

What is one thing you can do today to simplify the way you think about life? Think of something you worry about and ask yourself if you can control the situation. If not, what can you do to minimize the potential problem? If there’s nothing you can do, make an effort to get so involved in something that leaves you no time to worry.

What is one thing you can do to simplify your life by changing some routines? Can you shop for a week or more so you don’t have to find time to stop at the store every day? Cook twice as much so you’ll have enough for a second meal? Pick one drawer or one shelf and clean it out? Get a container and put all your cleaning supplies in it so you can easily find what you need? Throw away those lipsticks that are the wrong color or are down to the last smear? Trash emails that you won’t answer or read? Unsubscribe yourself from web sites you don’t really care about? Take five minutes and commit to do just one thing to simplify your life today. It will give you a sense of accomplishment and you’ll have more energy, too!

Money Saving Tip

saving moneyUse glass or plastic containers to store food instead of paying for so many disposable plastic bags. Get rid of containers with no lids or that you don’t need. Replace them with stackable containers that require less space. Look for sets with interchangeable lids so that if one gets lost or ruined you can still use the container with another top.

What made you smile today?

What made you proud of your money choices today?


Being Resilient

Often we can achieve an even better result when we stumble yet are
willing to start over, when we don’t give up after a mistake,
when something doesn’t come easily but we throw ourselves into trying,
when we’re not afraid to appear less than perfectly polished.
Sharon Salzberg

 

When successful people tell their story it is quite common to hear that a turning point was when they were fired from a job, had a major failure or experienced a devastating personal loss. For example, Walt Disney created Mickey Mouse and started his own studio after returning home feeling defeated when he lost his one big contract.

A friend’s father attributes his successful career as a doctor to having to learn to walk again after suffering from polio as a child. Then he suffered a stroke in his 80’s and had to learn to walk again. His gait wasn’t perfect as an adult and his walking was awkward after the stroke, but he never hesitated to take center stage.

There are so many of these stories of resiliency but the part that particularly strikes me in this quote is “not afraid to appear less than perfectly polished.” How often do you have a great idea, a useful article, a beautiful painting or an important presentation and don’t move forward because it is less than perfect? Sometimes smart people have a hard time pulling the trigger because they can always see ways to improve what they’ve done and want it perfectly polished. Don’t wait for perfection. What will it take for you to “go live” with what you have to offer? Do it!

Money Saving Tip

saving moneyIf you’re thinking of stopping at a restaurant or picking up fast food, stop at the supermarket food bar instead. You can make a great salad and get a main dish and veggies for less money and still have the convenience of not cooking and shopping.

 

What made you smile today?

What made you proud of your money choices today?