Showing posts with label budgeting. Show all posts
Showing posts with label budgeting. Show all posts
Friday, July 20, 2012
Tired of Being Broke...
If I had a nickel for every time I heard a someone utter the above statement I would give Bill Gates "worlds wealthiest person" competition. Currently Bill Gates has no worries in that department and I really have no opinion on whether that is a "fortunate" or "unfortunate" thing because I am honestly not of the mindset that wealth solves problems, unlike the "I'm so tired of being broke" "If only I won the lottery" people are.
There are hardships that come with living hand-to-mouth or paycheck to paycheck and I would be the last to deny them as I've been living hand-to-mouth pretty much my entire life. But living is honestly all about perception, mindset and attitude. I have had a good fulfilling and happy life, I seriously have, despite living below the poverty level without government handouts for 90% of the past 15+ years. I have been able to have quality time with my family, they know I love them and vice-versa, I have been able to give my children toys, clothes, food and fabulous birthday parties every year, they get to go fun places like the park, zoo, disneyland etc. All it takes is budgeting, lots of planning and the patience to wait 1-2 years for the bigger more expensive activities while i scrimp and save little bits of each paycheck to afford those things. I'm willing to wait and willing to scrimp and save because I want them to have these experiences and I know there is no other way for me to offer them that. Complaining and saying "if only" or even worse; taking a piss-poor attitude around with me everywhere I go and letting that effect my relationships and life is pointless, selfish and self-destructive.
I would love to have more money and I'm actually working my butt off to try and make that happen because that is the only way it WILL happen: by me working my butt off and going out, putting myself out on a limb and TRYING. There is no "get rich quick" scheme or "instant millionaire" packet out there I can use or do to get rich overnight. EFFORT is the only way to do it. I have come up with some products I think may sell so now I am doing what I can to slowly buy the ingredients and make the products, once I have some stock I will make a website and a business page and begin promoting and selling my products. I'm also finishing the 15+ books I have in different progress stages. Once those are finished I will be selling them in online form through kindle on amazon. And I'm continuing in my housekeeping until I have enough money through my other efforts to quit. I may never rival Bill Gates in the bank account department but in the fulfilled-life, happiness, family and satisfaction departments I'm pretty sure I can give him a run for his money. :)
Monday, January 2, 2012
Money Wars...
Don't go getting defensive and patting your back pocket to make sure your wallet's in there. This post has nothing to do with guy's needing to earn a certain amount, pay for everything, spend atrocious amounts on holidays, anniversary's or engagement rings, etc etc. All that is as annoying to me as it is to you most likely and will be addressed later in a blog entitled "Money-grubbing sluts"...
This particular blog, however, is regarding the incapabilities of a large majority of the male gender to budget and save. I honestly cannot name the number of males I know or have had dealings with in the past who whine, whine, whine about bills not getting paid, needs not getting met and the lack of money they have only to do research and then find out that the important bills like phone, electric, car insurance could have been paid if he hadn't just spent $150+ on that new "must-have" collectors edition video game and insiders guide, or $150+ on that new ipod that holds a whole 50 more songs than his old one which is still in perfect working condition. Etc.
It's called PRIORITIZING people. And as much as the game and insiders guide may be more fun than paying your car insurance the car insurance is what keeps you from getting a ticketed fine, an impounded car fine, and a black mark on your driving record. While the new Ipod may be more fun to listen to and save you 15 minutes of time going through and deleting some old songs to make room for new, the PG&E bill is what provides heat in your house to keep your children from freezing to death or catching illnesses, it's also what allows you to cook food so none of your family starves. FUN is not the priority, being up to date with the "cool kids" on the latest fashion and game fun is NOT the priority, having the newest, coolest, or most expensive is NOT the priority.
Keeping yourself and your family fed, clothed, warm and safe is the priority, minimizing expenses by preventing things like $100+ tickets by keeping your car in good repair and fully insured and registered is the priority. Fun, new, cool, expensive, come later AFTER all the bills have been paid, animals have been cared for and food has been bought. THEN you can spend or save what's left on games, clothes, movies and fun.
Write a budget and STICK TO IT. Every time you think about fudging on it and splurging bill or food money on something you DON'T NEED, take a look at your children and then ask yourself if whatever you want is really worth STEALING from your kids. Because in essence, that's what you're doing every time you spend NEEDS money on WANTS: STEALING FROM YOUR KIDS.
This particular blog, however, is regarding the incapabilities of a large majority of the male gender to budget and save. I honestly cannot name the number of males I know or have had dealings with in the past who whine, whine, whine about bills not getting paid, needs not getting met and the lack of money they have only to do research and then find out that the important bills like phone, electric, car insurance could have been paid if he hadn't just spent $150+ on that new "must-have" collectors edition video game and insiders guide, or $150+ on that new ipod that holds a whole 50 more songs than his old one which is still in perfect working condition. Etc.
It's called PRIORITIZING people. And as much as the game and insiders guide may be more fun than paying your car insurance the car insurance is what keeps you from getting a ticketed fine, an impounded car fine, and a black mark on your driving record. While the new Ipod may be more fun to listen to and save you 15 minutes of time going through and deleting some old songs to make room for new, the PG&E bill is what provides heat in your house to keep your children from freezing to death or catching illnesses, it's also what allows you to cook food so none of your family starves. FUN is not the priority, being up to date with the "cool kids" on the latest fashion and game fun is NOT the priority, having the newest, coolest, or most expensive is NOT the priority.
Keeping yourself and your family fed, clothed, warm and safe is the priority, minimizing expenses by preventing things like $100+ tickets by keeping your car in good repair and fully insured and registered is the priority. Fun, new, cool, expensive, come later AFTER all the bills have been paid, animals have been cared for and food has been bought. THEN you can spend or save what's left on games, clothes, movies and fun.
Write a budget and STICK TO IT. Every time you think about fudging on it and splurging bill or food money on something you DON'T NEED, take a look at your children and then ask yourself if whatever you want is really worth STEALING from your kids. Because in essence, that's what you're doing every time you spend NEEDS money on WANTS: STEALING FROM YOUR KIDS.
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