Tuesday, March 30, 2010

Save Money On Practically Everything

I hope this article gives you some good ideas:



http://www.kiplinger.com/features/archives/save-money-on-practically-everything-2010.html



Happy Reading!



Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Monday, March 29, 2010

Where is my life energy going?

I am being to look at money as energy. The flow of money is energy and so is the work you do for the money. But you also have mental energy. How do you use your brain?

I have been using my brain to think about others, compare myself to others, and think negative thoughts way too much lately. This is not a good use of energy or time. I could be using that energy to learn something new about money, research for new blog posts, or just do something to make the people around me feel special and loved.

It is important to see how your life energy is being used. I think I will stay stuck for years if I can't use my life energy in more productive ways.

How do you use your life energy?


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Tuesday, March 23, 2010

Impulse Control

I have determined that I really have a problem with impulses. I don't know how to control my impulses. I think one of the biggest reasons I was in all of that debt was due to a lack of impulse control. I was never taught to control my impulses. No one ever said "NO" to me when I was a little child. If they did I would challenge them and get my way. This has really hurt me as an adult. We all know that we can't always get our way. Life is unfair.

If you are impulsive then you sabotage your life plans. You can't even make life plans. I am no longer impulsive with my money but I am still impulsive. I am impulsive with my time and life. I want to work on this. I want to blog at the same time each day. I want to be a better person. I know that so many of you depend on me for guidance, love, and support and I want to give this on a more regular basis. I am trying and I would love to say that I can fix my impulsiveness.

So, my question for you today is: Do you struggle with impulse control issues with money, food, time, etc. in your life?


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Monday, March 22, 2010

I am sorry...

I have been distracted and unable to write the past couple of days. My husband's job loss is very stressful. I find myself crying a lot and not really getting anything done. So, I apologize for the lack of posts. I hope you know that you are all still in my heart and thoughts. I still pray for everyone reading my blog. I pray for you to get out of debt and to be happy. I know happiness is so important.

I am struggling to be happy these days. But I am going to find it and I try to re frame this situation. It is a good thing. It is a test of my faith and strength. I have been through difficult situations before and I have survived. We will be okay.

Okay, enough of my life and onto personal finance. I was reading an article about how a woman's beauty supplies, makeup, shampoo, etc. totaled $30,000. Now, this was over the course of many years but still that is a lot of money. I think it is important to watch those "little" expenses. I know I usually get talked into buying shampoo and conditioner at the end of my hair cut.

Go around your bathroom and try to calculate how much you have spent on beauty products. It may surprise you.

Until next time be well!


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Monday, March 15, 2010

What this woman said to me...

She said, "There is no money in art and artists are crazy!" I couldn't believe my ears. I couldn't believe what this woman was saying to me. She was stereotyping artists. Does she think that the employees at Apple are weird or crazy? There are many artists that work for that company are they crazy. We are surrounded by art each and everyday. I love art. I don't think that people should stereotype or go around saying that all artists are starving. Not all artists are starving.

I love art. I can't imagine our world without art. Art is everywhere (movies, music, nature, books, blogs, etc.)

Maybe some artists have made the decision to live more frugally so that they can be happy and enjoy their art. I think happiness is more important than the money you make. I realize that we all have to pay our bills. But we are also the ones in control of how we decide to live our lives. We get to pick where we want to live, the cars we drive, the food we eat, the clothes we buy, etc. So, I just feel that happiness is more important than the money you make at your job.

I have also found myself recently defining myself and self worth by my job. I am seeing this with regards to my husband. Does being unemployed change your identity? I will explore this in my next blog post...


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Friday, March 12, 2010

Profession & Money

Does your profession earn you a lot of money? Do you wish you made more money?

I have strong feelings about my profession, money, and happiness. I am off to work soon so I can't blog for very long but this is a hot topic for me. I went to college and picked my current profession because I thought I would make a lot of money. But did I factor in my happiness in that equation. No, I just thought of all of the toys I could buy when I was 21 and in college. I was naive and brainwashed by society/marketing that being able to buy and making good money is the ticket to happiness. THAT BELIEF IS SO NOT TRUE.

What makes me happy is being outside, doing art, blogging, spending time with family and friends? But you know what. I spend the majority of my time at my job and spending money. I am not focusing my time and energy on the things I love. Instead I am trying to keep up with the Joneses. I am trying to do what society thinks I should do instead of doing what is in my heart.

I want to be a free thinker. I feel like I am drowning in all of these emotions lately. It maybe because my husband doesn't have a job. It could be that I am no longer in my 20s and I feel that I didn't accomplish the things that I wanted to accomplish in my 20s. It could be that I am very harsh on myself.

These thoughts will continue....

Plus I do want to blog about something a woman said to me recently that triggered anger inside of me. It was about art and making money.

To be continued in the next blog post...

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Monday, March 8, 2010

Identity Issues

I am beginning to believe that ALL of my previous money troubles and current spending revolve around an identity issue. I am seeing this all of the time. I base my self esteem and self worth off of other people. I constantly compare my insides with others outsides and possessions. I know that I shouldn't do this but I do it anyway.

I still don't know who I am or what I value most of the time with regards to spending money. I know that I am debt free now but that still doesn't help this identity situation that I have. I just don't feel good in my own skin all of the time. Maybe a lot of people compare themselves to me. On the outside I appear to have it "all" together. But inside I feel like a mess most days.

I want to make more money or have more things and then I think I will be happy. But I don't know if that will be the case. I thought that if I made above $50,000 I would be happy, I thought that if I purchased a car of my dreams I would be happy, I thought if I got married and had a picture perfect marriage I would be happy, etc. Instead all I feel is momentary satisfaction and then I am off to the next goal. It is as if I have this running check list for my life. Now, I want children so all I can think about is babies! When will this treadmill end? I think it will end when I get off the treadmill. How in the world do I get off the treadmill and still feel satisfied with life?

I feel like a lot of people are on the treadmill. Actually, I think I fear finding my true self and then it not being in line with what society (or what I think society) demands of me. Maybe it is all the marketing that is making me feel miserable.

Does anyone else out there feel this same way? I am really looking for responses here because I want to know how to "cure" this identity issue.


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Sunday, March 7, 2010

Do you hide behind your possessions?

Do your possessions define your self-esteem?

I think this is an important question everyone should ask themselves. I know at different points in my life my possessions have defined me. For example, the place I decided to live after college and the brands I decided to buy while I was in debt. I was acting RICH. I was acting as if I had money. I actually believe that the majority of people do act like they are rich. Or at least they are acting or role playing in some way. I know I am afraid to show my true self sometimes. It is a fear of being judged. I hide behind my possessions so that no one can judge me.

I found a very interesting quote that I thought I would share with you: "The pseudo affluent are insecure about how they rank among the Joneses and the Smiths. Often their self-esteem rests on quicksand. In their minds, it is closely tied to how long they can continue to purchase the trappings of wealth. They strongly believe all economically successful people display their success through prestige products. The flip side of this has them believing that people who do not own prestige brands are not successful."

I think this is an important point to make. I should never judge a "book by its cover" because I don't know another person's wealth.

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Thursday, March 4, 2010

Financial resources to check out...

Here are some financial resources you may want to check out:

http://www.csrees.usda.gov/nea/economics/in_focus/security_if_extension_finance.html

http://www.mymoney.gov/

http://www.federalreserve.gov/

http://www.sec.gov/index.htm

http://www.ncua.gov/NewsPublications/Publications/index.aspx


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.
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