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Posts tagged with: money fights

Every Little Bit Counts – Savings Mode

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I am in a “tighten your belt” phase as I continue to search for new streams of income. It’s pretty much a no spend February. But I was inspired by something my friend said at family dinner during my reset this past weekend.

She was talking to Princess about investing and she brought up the round up method. I remember several years back several banks offered this as a method of savings and I know some stores still offer it at checkout as a way to donate. My friend was encouraging my daughter to round up every purchase and put that money in a ROTH IRA. Good advice.

Baby Steps to Saving

I have always done best with my money when it’s kind of a game so the round up method is a great way to keep myself motivated. For February I have decided to continue some of my on going games, but also add this new one.

  • Don’t spend $5 – this is an ongoing game I play with myself. Although I don’t deal with cash very often, when I do, I never spend a $5 bill. It goes in a shoe box, like a rainy day cash savings account.
  • Rounding up – inspired by my friend’s suggestion, and a constant user of my debit and credit card, I am going to round up every purchase to the nearest $1 and put that change into a savings account. I have an extra one just sitting with $10 in it, so it will be easy to track what effect this one has.
  • De-clutter and Sell it – Most of the time when I clean things out, I give them away, mostly because I just want them gone. But this time around, I will be making a point to sell the items I can as I do another round of purging. I have a second savings account just sitting with $10 in it, so this one will also be tracked.

I know this isn’t much. But when the cards are stacked against you again. Keeping your focus and your mind focused are important. Preparing for the worst and hoping for the best! I know a new job and new income stream is right around the corner!

Time to Start Over

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I had the most amazing opportunity this past weekend. I hid out in a dungeon. Me and my thoughts, my books and my laptop. I really did need a reset. And my best friend provided the space for me to do just that. It was wonderful! And I highly recommend it to everyone.

don't be afraid to start over

Not really a dungeon

Ok, it wasn’t really a dungeon. It is a room in her basement that has no windows. It’s cozy and dark down there. I would compare it to a soft version of a sensory deprivation chamber. Those freak me out a bit. But this was perfect.

No responsibilities. No sound. I arrived Friday late afternoon with a full back pack of thought provoking materials, journals, highlighters, and pens galore. And went directly into isolation.

Listening intently

I began my time with a plea to God to meet me here. To direct and guide me. And then I spent the next 48 hours diving in, sitting in my thoughts, studying and debating, and breathing. (Ok, I did take a break Saturday evening to enjoy a family meal with my friend, her family, Princess and Princess’ boyfriend.)

And I listened. I listened to my heart, to my head, to the guidance the books gave me, and prepared myself for whatever is to come next. I made lists upon lists. Lists of what I could do for work. Documented the life I want to build. Questions I need to consider.

It was so, so good.

Starting over again

In many ways, I am starting over again. Single again. Job change in the immediate future. Kids are all grown and mostly independent. I needed this time to breathe and focus on what I want. While I didn’t come away with the answers and clarity I had hoped for. I learned so much and have so much hope for the future to come.

Two things that have been made very clear to me over the last couple of months as I have dug into self care and reading like crazy:

  • We believe 100% of what we tell ourselves. And what we believe we achieve. I must do better at appreciating who I am, what I am capable of, and especially knowing my own worth.
  • Change does not mean failure or scarcity. It’s opportunity for growth, improvement, and more! “Every new beginning begins with an ending” (no idea who said that) – and this is my new beginning! I’m ready for it. It’s going to be the best chapter yet, I believe that.

 

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