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Book Club: Your Money or Your Life

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A few weeks ago, a BAD reader I follow on Facebook posted a recommendation for the book Your Money or Your Life by Joe Dominguez and Vicki Robin.  It was originally published back in 1992 and Joe has passed away since then. But Vicki did an update in 2008 and then again in 2018 bringing the contents up to date in regards to the new world of technology and various different financial changes since the early 90’s.

I ordered it that day…I’m ready for some serious changes in my financial life. It arrived this past week and I’ve been slowly working my way through it.  I wondered if anyone else would like to read it and we could have a book club of sorts in a month or so to compare notes and thoughts.

A Slow Start

Mr. Money Mustache wrote the foreword. And then there is some background on Vicki and Joe’s history and the original concept for the book. While the information was interesting, I was anxious to get to the meat of the book. But the beginning of first chapter almost had me putting it down permanently. It is filled with references to the planet and limited resources and so on. And the longer that dragged on, the more I thought “this book is not for me.”  I stuck with it though. And I’ve made it to chapter 2 and I am intrigued.

My Relationship with Money

The authors encourage you to read the book through before you put in the work. The work is broken is broken down into 9 steps. I’m just getting to Step 2 in my reading. But what I am finding is that the book focuses on your thoughts on money, the psychology of that relationship versus more common “steps to save” money or such.  And I believe that this is exactly what I need.

I wrote recently about Money Principles and that has led me to more reading on Money Traps. The thing these two have in common is that they are mindset tools versus practical how to spend or not spend your money tools.  I think this mindset is what I personally have been missing.

Book Club Discussion – in a month

So here I am, sitting in Starbucks while my kids train for their sports, reading Your Money or Your Life. Will you join me?  I figure I can complete my first read through in the next week or so (helps to not have a job to do, plenty of reading time.) I’ll plan to open a discussion on it a month for now for anyone who wants to dive in with me.

I personally couldn’t find a online version of the book, but maybe someone else can. I ordered mine from Amazon.


Life has Come to a Screeching Halt

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In addition to disputing my unemployment benefits claim, my most recent W2 job also failed to pay my last invoice, reimburse me for sub-contractor services AND I had to make several calls before I was paid for the PTO I had accrued.

On top of that, I called to move my 401K and was told as part of the plan a third party contracted by my W2 job had to review and approve the move and then the W2 job had to approve it before any action could be taken.  Neither the 3rd party or my W2 job has done anything about it, it’s been 8 days since I made the official request.

Now I know where that saying comes from “I’m so angry I could spit!” I made a final attempt yesterday to move all of this along with a call and follow up emails to their accountant/payroll person. I don’t know what good it will do but I tried.

In addition, the Department of Labor for the state of Georgia called to take my rebuttal statement on their denial of my benefits.  Evidently, the burden of proof is on my W2 job to prove what they say “she didn’t do her work” and they have thru today to prove their case.  I am confident in my stance and have copies of all the work files, etc. but I am just flabbergasted at being treated like this.

Moving Forward

I am moving forward on applying for jobs, have had several interviews and am working on a new website for my consultant business. But for the most part, life is at a standstill.  If I don’t receive the pay owed or begin receiving UI benefits, I will have to dip into my savings at the end of this week.  I’m so grateful for it, but I’m just mad!

In all my years of working with different companies I have never been treated like this. I have never had to argue with a payroll person that they didn’t pay me. She even said with me leaving, I gave up all my PTO…umm, not!  I’ve just never dealt with such an unethical company, and I do not know that I have any recourse. (Another girl who had been there for 7 years was let go a couple of weeks before me, and they made false statements about her UI benefits as well, so she has yet to receive them either.)

Groceries and Weight

We are pretty much in a no spend month which has not been too bad. We stocked the freezer with food in January so we have plenty of meat and so on.  Today I bought a large salad mix for $3.66, a carton of sliced mushrooms $1.28 and 2 avocados – $0.98 each. Not to bad for weekly groceries.

Probably the best thing out of all this is that I’m down 15 pounds without trying.  Side effect of the stress, I suppose.


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