Posts filed under ‘thoughts’
Last month I published a brain dump of sorts. This month I am back it with a new set of random thoughts and ideas.
- This morning I attended an open house for a preschool just down the street from my house. I am considering sending my son there next fall for two days a week and I was shocked by just how emotional I became at the very thought of my little guy starting preschool. My emotions got the better of me as I pictured him another year older and navigating the world without me. Children change so much in these early years and I’m just not ready for time to pass so quickly. Right now I want to savor the snuggles, kisses and hugs. I want to go on adventures that involve nothing more than picking leaves and searching for houses with Christmas lights. I want to soak up the time we have together before he starts school.
- I’m not convinced I’ll send him to preschool but I do want to investigate my options. I plan to submit an application and pay the non-refundable $75 fee. Then I can sit on my hands and wait until late next summer to decide if I really want to send him.
- I loved reading all of the conflicting viewpoints about bargain shopping after Thanksgiving. Some personal finance bloggers were on board with diving for bargains while others pointed out that no one really needs more garbage from China. I love that we live in a country where we can spout our thoughts and I am thankful for the means to step back and reflect on my own beliefs this time of year.
- I did not shop at all on Black Friday or Cyber Monday.
- I returned a pair of snow pants on Saturday. I received a hand-me-down pair from a former coworker, which saved me $18.
- I took a bunch of bags to the donation center on Friday. I felt a bit guilty at first for bagging up some toys my son no longer plays with, but when I saw less fortunate children walking around the store I knew I had done the right thing. My son still has more toys than he needs and if we are blessed with a second child we have the means to buy more. Do you have family members that never donate to others? I have a few who would rather store stuff for thirty years than give to those in need. When I told them I donated some things I could sense their utter disappointment in me.
- While I was at the thrift store I stopped in to look for another pair of snow pants. I’m afraid my son might outgrow the ones we received by January or early February. I paid a little over $2.00 for them, which seemed like a ridiculous bargain. Snow pants are the perfect thing to buy from the thrift store. They are barely worn and if it doesn’t snow I won’t feel guilty for shelling out money for them.
I’ve been writing about personal finance for the past seven years and in that time I have blogged a lot about saving money. In fact the topic has popped up so often on this blog that I created a separate category for it. While I certainly encourage others to save money I do not think that saving is the ultimate goal in life. Like everything else the desire to set aside money must be balanced with happiness, enjoyment and simple living. I know people who max out ten credit cards without batting an eyelash and others who almost never spend money to make their lives better. The trouble for most people appears to be finding that middle ground.
I don’t intend to hoard all of my money in a bank account and never let it see the light of day. When I see fit I spend money in a way that makes my day to day tasks easier or faster to complete.
The readers of this blog don’t always see eye to eye with me. I believe part of the problem lies in the name of this blog and I have considered renaming it on more occasions than I can count. I think the world “Frugal” has a negative, miserly connotation. That someone who claims to be One Frugal Girl, should not spend money on anything in life but the bare neccessities. A lot of people read my posts and comment on my lack of frugality. You bought new hangers, bowls and storage containers? How dare you?!! What a waste of money! I myself struggled with the decision to buy these items, so I’m not surprised by the reaction.
Would it have been financially wiser to keep the money in the bank instead of replacing old products that were still functioning properly? At first glance most definitely, but after further thought you may find that creating a more organized home actually saves you more money.
If I can see everything in my closet I won’t accidentally purchase something similar to what I already own. If my kitchen is neat and orderly I will enjoy spending time in there and will be more likely to cook at home. When I replaced my old pans and kitchen knives I began to enjoy preparing meals at home, because both preparation and cleanup times improved immensely.
Similarly if I accept bags of hand-me-down clothes but fail to organize them in a way that makes them easy to find then I might not ever use them. I can spend a little money buying containers and set aside everything in a neat and orderly fashion over the course of two hours or I can find myself digging through the same pile of clothes every time my son grows into the next size. Frustration might give me a reason to ignore the hand-me-downs in favor of a trip to the store where everything is neatly displayed.
I spend a lot of time at home. I don’t want to be frustrated by the need to move half of the items in my closet to see the other side. (A poorly designed 1950s storage area leads to this problem, not an overabundance of clothes.) Nor do I want to move things around in the cupboards just to reach the glass bowl I need to store leftovers.
The goal is not to hoard money away and live in misery. If I am frustrated by my surroundings I want to take small steps to make them better. And yes, that means spending money when and if necessary.
Unfortunately we don’t get the opportunity to live forever. We all have to learn to balance happiness, saving and spending. An organized life and home help me feel peaceful and grounded. I argue that in the end that saves me money, but whether it makes sense financially or not, sometimes decisions are about more than just the money. Also, isn’t peace of mind sometimes worth the money?
Photo Credit: jenni waterloo
Over the years I’ve written a lot about the steps that can lead to financial success. In December of 2006, (the year I created this blog), I wrote about the best financial decisions I’d made to date. In 2007 I elaborated on the lessons I learned, which included getting my first job early in life, attending a state college, interning, and living with roommates after college. Last year I elaborated on the decisions and events that enabled me to increase my savings. (If you plan to click through the previous links I should warn you that some of the details are duplicated across posts.)
I’ve been thinking a lot lately about the advice I’d give my younger self. If I had it to do all over again would I repeat the same actions and make the same decisions? Sure I’d tweak a few things here and there. If I were smart I’d buy a house in a different neighborhood or live in a group house that wasn’t infested with fruit flies. I would definitely travel more! There are a few places I really wish I’d visited before my son was born, but my regrets are actually few and far between.
The number one contributor to my current wealth is definitely the occupation I previously held. As a hard working software developer my salary rose to higher heights than it would have in most of the other professions I considered as a college student. The fact that my husband also works in software further boosted our overall net worth.
While I was in college I considered becoming a teacher. I love working with children and wanted a ‘feel-good’ occupation that would warm my heart and help me feel like I was contributing to the greater good of society. Of course, a teacher’s salary cannot compare to a position in the IT industry. As a teacher it might have taken me thirty years to accumulate the amount of money I earned in twelve.
I did enjoy aspects of my work, but it certainly wasn’t rewarding in a way that I imagined my career would be. Despite the lack of warm fuzzies software development definitely helped me put money in the bank. I now believe more than ever that the key to acquiring wealth is working in a high paying industry early in your career. Make a high income and set aside as much money as you possibly can while still living your life. I’m not suggesting that you live like Scrooge for years on end. Even while you are earning a high income you can live a life of moderation not deprivation. The goal is not to squirrel all your money aside for the future, but rather to live today and still set aside a large chunk for tomorrow.
Above all else money provides you with flexibility. If you work at a high paying job early in your career you can ultimately choose to stay home with your children, choose to travel the world for a year, choose to retire early in order to volunteer your time to worthy projects. Yes, it’s true that you can also do all of these things without money but it certainly helps to have a firm financial footing. There is simply less to worry about when there is money in the bank.
Of course, we also know that life isn’t a guarantee. Given my medical history I certainly know this fact more than most people. You could work fifteen years in a job you don’t like and then drop dead the very next day. In that case it would have been a wiser decision to work in a more fulfilling job and to feel rewarded for your efforts. Since most of us don’t know how long we’ll live you can’t exactly hedge your bets for dropping dead tomorrow, nor would you want to.
Money is not the key to happiness. Some people would prefer to sacrifice a high salary for a job they love. In fact I know a few people who would rather sell their souls than work in a job that isn’t rewarding. Others would prefer to make a lot of money in a shorter amount of time and then be able to focus their attention on the aspects of life they really enjoy. Imagine all that you can do with your life if you didn’t spend 40 hours a week working.
I realize that a lot of people don’t have the option to work in a high paying line of work, but if you did have the option what do you think? Would you rather work thirty years in a job you love or ten to fifteen years in a high paying job you don’t really like?
As I look at my young son I wonder what advice I would give him. I chose the path of high income as did my husband. I wonder what he will decide when the time comes.
A brain dump of sorts…
- I want to replace all of the hangers in my house with skinnier versions. While I don’t hang a lot of clothes in the closet I do like how much space is freed up but using the thinner versions. Quite frankly the closets in our house suck. They are oddly shaped and unbelievably tiny. There’s a good and bad side to small closets. The good: You save money on stuff, because you simply don’t have anywhere to put it. The bad: It’s very difficult to keep things neat and orderly. A set of eighteen hangers cost $9.99 at TJ Maxx. I think I’ll need at least three sets of hangers to hang up the clothes and coats in our home. My husband doesn’t like the velvety feel of them, so his closet is off limits. Replacing hangers feels a lot like replacing perfectly functional storage bowls. It seems a bit crazy, but I’ve decided an organized home is well worth the money.
- My son was born in October, so shortly after wrapping up his birthday my family members are asking for a Christmas list for the little guy. Ugh. They are also asking for a list from me. I think this is one of the most dreaded times of the year for me. I don’t need anything and I never know what to write down.
- Speaking of toys I bought a vintage Lite Brite from a vendor on eBay. I plan to make this my son’s one and only Christmas gift. This is the second time I’ve purchased a vintage toy. The first time I purchased a bunch of old fashioned Playskool puzzles. I’d like to say that my son loves playing with them, but unfortunately he doesn’t seem terribly interested. He still loves puzzles but doesn’t have a whole lot of interest in the particular set of puzzles I bought. The good news is that I can probably recoup a good portion of the money I spent by relisting them on eBay. I’m not giving up on them yet, but I have a feeling they will end up back in the mail at some point in time. These days he’s much more interested in The Learning Journey puzzles I picked up for a couple of dollars at Ross.
- In other news my son appears to be struggling with a two year old sleep regression. I’ve tried singing to him for an extended period of time and providing him with an exorbitant number of hugs and kisses throughout the day and for two hours before bedtime, but when I walk out of the room he still breaks down. I lay down on the floor next to his crib and hold his hand, but the second I let go he wakes up and cries. The last two nights he’s fallen asleep after midnight. He’s been a great sleeper for nearly a year and a half now, so I’m not sure what’s going on. I placed a night light in his room and talk to him a lot throughout the day about settling down and not crying at night, but none of that seems to help. Any advice from parents who experienced similar sleep issues when their children turned two? It breaks my heart to see him so unhappy and for the time being I’m sleeping on his floor, which is not particularly pleasant or comfortable.
- I joined a book club for stay-at-home moms with small children. We’ve only met once but I absolutely love the idea of meeting monthly with a group of women to discuss literature. We’re reading a mix of books, including a few that are parenting related. I should have checked out the first book from the library, but I found a copy on eBay selling for $5 with shipping included, so I bought it instead. These days it takes me forever to read a book in it’s entirety, so it seemed like a wiser investment to buy the book and read it at my own pace, otherwise I would have needed to check it out multiple times from the library.
As I was digging out a bunch of old college notebooks in the basement I came across a series of quotes from a professor who spoke to us honestly and openly on our last day of class. I remember this particular class quite vividly. He told us that he wanted to impart a few words of wisdom before we ventured out into the remainder of our college years. All of the other students leaned back and relaxed, no need to take notes or pay close attention, but I grabbed my pen and began jotting down the words as he spoke them. In between his words I doodled flowers in the margin of my paper, but I took his words to heart that day. Fifteen years after they were spoken I now believe his words are more true than ever.
- We have a need to push others down in order to push ourselves up.
- We are more alike than different.
- We are judged primarily by our successes.
- Rarely do we allow people to be different.
- If every family ate dinner together the world would be a better place.
- Invest money in something promising as soon as possible.
- Time has a way of taking people away from us. Cherish the time you have together.
- Be careful with whom you choose to marry.
- When you are in a relationship with someone keep space. There is more to life than one person.
- Learn to be independent. Don’t count on another because people can’t always be there. Things happen.
- Be kind, gentle, and forgiving to yourself.
- No one has more invested in you then you.
- It’s hard to enjoy your life without hurting yourself or others.
- Those individuals who bring you the largest amounts of happiness may bring you great amounts of tragedy.
- Often annoying and difficult people need our help the most.
I struggle with many of these sentiments and have written about many of them in this blog time and time again. For example, I know that annoying people often need our help the most but I am usually too irritated by their actions to assist them. I try to be kind, gentle and forgiving to myself, but often find my own thoughts and fears push me away from being truly accepting.
It is because of this particular professor that the girls I mentioned in my post yesterday are friends. Sometimes one person has an enormous impact on your life. I did not realize it at the time, but if I’m ever given the opportunity I would like to thank him.
Last weekend I attended a memorial service for a close friend. As I stood in a small room surrounded by the deceased’s friends and family I took a moment to reflect on the event and walked away with a few lessons that I hope to keep close to my heart.
1: Don’t let your friendships fall by the wayside. When I first graduated from college I asked my former housemates to join me once a year, (around the holidays), to catch up with one another. For the first year or two we met once a year just before Christmas. It was a royal pain in the you-know-what to get all of our schedules in sync so that we could set a date on the calendar. Despite the difficulty I refused to let anyone skip out on this yearly meeting. After all there were only five, (sometimes six of us), how difficult could it be to find a time that worked for everyone? One year as we sat around our friend’s new dining room table we ate and laughed and had such fun that we asked ourselves “why don’t we get together more often?” From that point on we started getting together every three or four months to laugh, chat and discuss the chaos that is our lives.
Eighteen years after we first met we are still good friends. Some of us are closer than others, but we keep in touch and know that if the need arises we are just a phone call or text message away. When our friend got sick we all leaned on one another for support. We piled in the car and drove a few hours to visit and made a point to clear our schedules whenever her husband brought her back into town. It was easier to face the harsh reality of her illness when we were all doing so together.
At the memorial I talked with a friend from college that I hadn’t seen since graduation. He said, “I’m jealous of how close you stayed after all these years.” His comment brought the value of our friendships to light. There are a lot of people in the world without good friends to lean on and we’ve not only managed to stay friends, we’ve managed to stay close friends for over 17 years.
I must say that it’s a hell-of-a-lot more difficult to coordinate schedules these days. With spouses, children, babysitters and jobs it often takes a trail of emails to settle on a date to get together, but somehow we always make it work. I’m so glad I forced us all to get together all those years ago. From those initial holiday dinners our friendships have strengthened and blossomed and I know despite all that is happening in our lives we will always make time for one another.
2. Forgiveness is vital. Hold love in your heart. I was not always the best of friends with the step sister of my friend who passed away. To be frank she hated my guts for reasons that were never quite clear to me. Ten years before she became ill my friend asked her sister and I to be bridesmaids in her wedding. I didn’t want negativity to crowd the big day, so I drafted an email to her sister and asked her to put aside our problems. Her sister agreed to meet for drinks and as we chatted about events of the past it was clear that she held a lot of resentment and hate towards me. I did not feel the same way. I actually hadn’t thought about those incidents since long before we graduated from college. I remember walking out of that bar on a very cold day in November feeling relief that the war between us was over, but also feeling absolutely dismayed by the amount of hurt and anger that she held towards me nearly ten years after the events had transpired.
If you make mistakes in life own up to them. If you feel you have been mistreated speak up about them, but try your best not to linger in the past. It is entirely unproductive. I don’t have many regrets in my life, but throughout my life I have reached out to those I wronged. More often than not the stories in your head are worse than reality. In my experience most often the issues are simply a matter of misunderstanding.
Due to an unfortunate set of circumstances my friend and her sister stopped speaking years ago and I actually delivered the news of her passing. I was unbelievably thankful that we met so long ago to put aside our differences. The universe is a strange place. Imagine telling someone who once hated you that her sister had passed away.
It’s unfortunate that the two sisters had stopped speaking. Life does not continue forever. Make amends with the people you love. Find forgiveness in your heart whenever possible.
3. People who made you happy in the past will probably make you happy in the future. A good friend from college flew in to attend the memorial service. When I think back on my college days I cannot think about my freshman or sophomore year without thinking about him. We hung out a lot and I learned years later that he had a crush on me during that time we spent together. I was completely oblivious to the fact at the time. We caught up with one another without missing a beat. To be honest I felt a bit ashamed for smiling as I chatted with him and other old friends from college, but then I realized that’s how I would want others to celebrate my life. I would want people to spend their time together smiling and laughing.
4. Think of the good in your life. Despite her illness my friend never complained about her life. I never once heard her say a negative thing about the cards she had been dealt. If she could face a debilitating disease without a complaint than surely I can remain positive about the world around me.
5. It’s never easy to say goodbye. We each grieve in our own way. When I heard the news of my friend’s passing I burst into tears and cried for a bit, but I thought about her for days and weeks afterward. Grieve however you need to grieve. Some need a room full of people, some need a quiet corner. There is no right or wrong way to deal with your emotions or to say goodbye.
I recently came across a picture of a friend’s closet stacked from floor to ceiling with neatly folded piles of clothes. There was not an inch of free space remaining. She had taken over the storage areas in the rest of the house as well and had four similar closets packed to the brim. I knew that she had a small obsession with fashion. She once commented that she owned enough clothes to wear a different outfit every day of the year and a few extra to suit her moods.
I showed the photograph to my husband who immediately commented “I don’t think I could accept that. I think that’s just plain selfish. I wouldn’t want someone spending all that money on stuff that benefits no one but themselves.”
It was an interesting perspective. Sure I had thought it was a complete waste of money to own that much stuff and an absolute nightmare when it comes to sorting, cleaning, processing and storing, but when I looked at that closet selfish was not the first word that came to mind. Overwhelming, wasteful, unnecessary, but selfish?
“Why would you spend so much money on yourself?,” my husband asked, “What about shared goals? What value does the husband derive from all those clothes?”
I certainly understood his point. Money is not an unlimited resource for this couple. They have high paying occupations but they are certainly not millionaires. Even if the items were purchased at sale prices you are easily looking at thousands of dollars worth of clothes. Why not spend that money on something that both spouses would enjoy like a nicer home, a luxury vacation or frequent nights out on the town.
In this particular case the woman spent a ridiculous amount of money in the name of fashion, but there are similar scenarios where men spend an exorbitant amount of money on electronics or cars. Is it fair for one spouse to spend so much more money than another, particularly if the items they purchase only benefit themselves?
I am a modest spender. I don’t like to waste money and often delay purchases for as long as I can. To be honest I tend to think very long term. When I have a choice I typically opt for saving money rather than spending it. For as long as I can remember I’ve had big goals in mind. I want to pay off my homes, be financially independent, have a flexible career and stay home with my son. If I’m tempted to spend money I first decide if I’m willing to delay my other goals.
My husband has a similar mentality overall, but he can spend money much more easily than I can. He thinks nothing of dropping thousands of dollars each year on various projects. If he needs a new computer he buys one. If he wants to make home renovations he calls in contractors.
If we’re comparing apples to apples I will admit that my husband spends significantly more than I do each year, but most of his purchases do benefit our family as a whole. For example, he buys new computers to back up the thousands of photographs I capture each year and pays contractors to make our home easier, cleaner or better to live in. In fact, I can’t recall the last time he spent a significant amount of money on something for himself.
In general I think that both spouses should understand and manage their finances. I also think the majority of purchases should benefit both spouses.
What do you think? Do you think a woman with a closet full of clothes is being selfish? Are you frustrated by your spouses spending? Do you think he or she should spend more on things that would provide benefit to both of you?
Photo Credit: Andrew Morrell
I’ve been contemplating life as a whole lately. Why is it that some people have such an easy course to row and others such difficult ones? As I was driving home from visiting my parents early in evening I came upon an intersection with a panhandler who was missing one arm. I searched in my bag for something to give him, I prefer to hand out food over money, but by the time he would have reached my car the light turned green.
Death often makes one contemplate life. A friend of mine recently passed away. She was thirty-six years old. Her death was expected, she was suffering from an incurable disease, but her passing was still surprising. Thirty-six is simply too young to die.
A few days after she died a mutual friend sent me this text message “She just wanted to settle down, have kids, help people and create art. She knew what she wanted and couldn’t get there and the some of the rest of us have struggled with so many more choices.”
That sentiment keeps ringing in my head. Our friend knew what she wanted out of life but her disease prevented those wishes from coming true. What do I want out of life?
Before answering I tried to think back on how I would have answered this question as a child. Did I want to be a teacher, a journalist, a lawyer? Many of the decision points seemed to revolve around a profession. Yet here I am in the year 2013 staying home to raise my child. Suddenly how I earn an income is not nearly as important as who I am and who I want to become.
When I reflect upon this question I don’t think about an occupation at all. I don’t think about the objects I wish to possess or the home I wish to live in. I think about the person I want to be. I want to be honest and open. I want to show the people I love just how much they mean to me. I want to find contentment in the every day moments that make up our lives. I want to remember that life is fragile, that this may be the only chance we get and that I don’t want to waste it being resentful or angry.
Whether we like it or not personal relationships make up a large part of our every day lives. I want to fill my world with people who fill my soul. I can’t pick and choose all of the people who I interact with on a daily basis but I can change my attitude toward them. I can ignore the drama and search for the good, even when it is so difficult to see. I also need to remind myself to accept the things I cannot change. That one is particularly hard for me.
Above all else I want to feel grateful for this life that I have been given. I want to remember that there are many who are not as fortunate as I am.
I have an uncomfortable relationship with wealth. While I’m proud of the accomplishments my husband and I have reached I don’t want anyone else to know how much money we’ve actually accumulated. I don’t like people, (outside of this blog), to know that I own a beach house and another property that we plan to build a house on one day.
I recently joined a book club and on the way to my first meeting I grabbed the key to my new Toyota Highlander and then contemplated exchanging it for the key to my ’99 Camry. I ended up driving the Highlander, because it was a bit nippy out and I knew the Highlander would heat up a lot faster, but the very fact that I considered trading cars shows just how uncomfortable money makes me.
Society assigns a stigma to those who are wealthy. The rich are often viewed as unsympathetic and uncaring. I suppose at a basic level I don’t want to be associated with either of these characteristics. I don’t want people to think that I’m pompous or conceited. I don’t think more highly of myself because I have money.
I’ve made smart choices with the money I earned, but I also know that being smart in and of itself is a blessing. Living in the United States is a blessing. It certainly didn’t hurt to marry a man who is both smart and hard working. Not everyone is afforded the same opportunities that I have been given and given those opportunities not everyone would learn how to grow and build from them.
I’m not sure when I began to think of money in such a negative light. My grandmother often complains that rich people aren’t compassionate. She tells stories of family members who hoarded their money while she and her parents were suffering through the depression. Perhaps after all of these years her words echo in the back of my head.
My parents did not have a lot of money when I was growing up. Though we certainly lived quite comfortably in a small three bedroom rancher, we knew at times that cash was not abundant. My mom stayed home to raise my brother and I, but she drove a car with a duct taped hood and spent little money on herself. We were probably on par with our neighbors. Give or take a little they probably held similar balances in their bank accounts.
Perhaps at the most basic level my uncomfortable feelings have less to do with money and more to do with fitting in. When I drove off to my first b0ok club meeting I wanted to feel just like everyone else. I didn’t want to be perceived as the ‘girl who has money’ and I didn’t want the fact that I have money to change the way anyone thought about me.
Photo Credit: Basim
A bunch of random thoughts to start this month out right:
- I hate looking at a trunk full of items headed for the donation center. I’m happy to pass things on to those in need, but I can’t stand the thought of money wasted. How many times did we use that serving platter? Did we ever use these coffee mugs? Ugh. All the more reason to accept second hand clothes and toys as often as they are offered. I’m now second guessing every purchase including food related ones. If cake mix and brownies are on sale I’m still not buying them. I don’t bake often enough to use them.
- I’m making progress on reorganizing and decluttering. I’ve combed through the kitchen, dining room, living room, hall closet and pantry. I feel so much better about the use of our space now. I no longer have to reach around things we don’t use in order to complete daily tasks. Although I hate seeing that trunk full of stuff I’m happy to get rid of things we aren’t using.
- I’m tired of junk mail. This week I set aside ten to fifteen minutes a day to ask companies to stop spamming me. No more unwanted insurance solicitations and catalogs. It’s just one more thing to sort, process and recycle. I dread the increase in junk that comes through our mail slot as the holidays roll around.
- I unsubscribed to every unwanted email I received this week. I’m tired of wasting time deleting emails from my inbox.
- I failed at getting my two year old son to thank everyone for his gifts this past weekend. Yes, I know he’s only two, but I really want him to be a gracious receiver. Instead of thanking the gift givers, he ripped open box after box and then went off to play with a deflating balloon. Ugh. Better luck next year.
- On the topic of gifts I set aside half of the gifts my son received. He’s perfectly content exploring the new toys I unwrapped and opened and I think he’ll be more excited to play with the rest later. He was actually most excited by an old, hand-me-down toy from my nephew. Another reminder of #1 above, stick with second hand toys when possible.
- I’ve renewed my list of complaints. If I’m unhappy with a service at a local or chain store I send out an email. I also send out compliments when appropriate. I don’t know if these ever make a difference, but I like to think someone else won’t have to go through a thirty minute wait in the deli line or receive a sandwich with one cucumber, one tomato and one ridiculously tiny piece of turkey.
- I recently stopped delivery of the newspaper and finally cleaned out my coupon binder. I consolidated two binders down to one and that one is only half filled. I was wasting time clipping, organizing and sorting coupons that I never actually used in the grocery store. In this case time is much more valuable than saving money.
This month I plan to focus on cleaning out the rest of our house, making more conscious decisions on spending and enjoying the time freed up from no longer needing to sort mail, delete unwanted emails and clip coupons.
*Photo Credit: Yi -Wei Ang