Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Sunday, January 11, 2009

The beginning of a new year...

Snow themed pictures on a snowy day here in Maine. I guess these pictures represent the overall feeling I'd like to have at the end of 2009. I am ready for some calm, peace, drama free and trauma free time. While I know I am lucky as can be and things could always be so much worse, I also know I have to allow myself the ability to take in some of the pain, grief and stress I've had, reflect upon it, be thankful for what I have and move forward. If it were only that easy.

We're all starting our resolutions. Jeff and I each have about 13. I found my myself taking away many of the resolutions that caused me to have to measure a success (or failure) and found myself adding more that caused joy or self improvement. Jeff made a comment about last year's resolutions and how he only finished one. That really sparked something inside of me. I was very passionate about.. "why is that a failure?" "Let's celebrate how much of it you DID complete!" He had resolutions such as read 10 books or earn $10K at his second job at domino's. While he didn't complete either, he was close and they motivated him. I think that in all the years I knew Jeff before that he'd read maybe 10 books combined, so 6 or 8 in one year was great for him. And he loves challenges, so pushing himself to be extra nice and extra helpful to his customers was a great character booster (now we just have to work on the general public realizing they should tip their pizza delivery guys and that it's not all built in!) I realized that it's not silly to have resolutions such as take a bath twice a month, or go on a family vacation and if it just can't happen in '09 (I'm in 3 weddings this year!), to have it planned in '09 and ready for 2010.

The economy is a downturn as we all know. Mainers are always ahead of the game in saving I'd say.. the state motto should be "scrimp and save". While I admire it ,I don't adhere to it as much as most, but I certainly heed the warning. Having gone through a bankruptcy as a kid I know what it's like to have a lot and then have nothing and I know how to not spend. I find myself planning a lunch with my friends and hearing others say they are on such a tight budget these days they may not be able to go. I pause a moment and wonder if I should be as strict. Should I be like my brother and sister in law and have a budget that runs straight through next December. Frankly, NO. I can't do it. It's not me. And when we are really in a tight place I get resourceful. Rolling change, selling things we don't need, conserving food. Sure ok. I can admit it probably adds some unneeded stress. And don't get me wrong.. I do save and I don't spend frivolously, but we certainly aren't saving 3 months worth of bills just in case as Dave Ramsey suggests. Believe me, I wish I had $10K in my checking account plus everything else in my investments, but we live day to day and try not to touch the investments. Anyway, my point is that as hard as the economy is and how scary everything is right now, we're still ok and I'm certainly sitting tight and not doing anything major, but I realize that $10 at lunch is going to buy me memories that I'll always have and some time with my friends that my inner soul needs right now.

What I learned more than anything in 2008 is we can't get time back. Some become paralyzed by grief and loss and life continues to go on around them and they miss... a lot. Life won't stop. Death won't stop. Tragedy won't stop. But our ability to move forward, and create memories can continue. I've never lived my life with regrets, but I would regret having something else happen to another one of the people I love the most or even myself and not have the hugs, kisses and all the things that need to be said be said.

I find myself at a place of reflection and calm, yet also at a place of such turmoil. So here's to 12 months from now resulting in a piece of mind reflective of snowy afternoons and hot chocolate with marshmallows.

Thursday, September 11, 2008

Birthdays and Tightwads

Miss Kelsey turned a year on July 19th. It was a great day. My mom and my gram came to visit. We had the perfect sized group of little girls here and friends and family. Kelsey received a water table for her birthday and proceeded to get soaked!

I made the froggy cupcakes. The theme was a froggy in a pink tutu.

I cannot believe a year has gone by. Each day she makes me smile and laugh more and more.

My mom took this picture of us. The dress/shirt Kelsey is wearing was mine! We were opposite seasons as babies, so my mom had to shorten the straps for it to fit her. She looked so cute in it!
Currently she is in that not sure if she's going to have one nap or two stage, but today we are on the 2nd one and mama is getting stuff done. check, check, check of the to do list. I love that!
Is it just me or is everyone else with a near empty wallet thinking about Christmas and starting to cringe while turning blue? I decided to be proavtive and went through the trendy, cool and of course expensive toy store around here yesterday and wrote down all of the things I know the girls would like and will then proceed to find them less expensive.

So Julia is on a must have an American Girl kick. I personally wanted one so so so badly when I was 10 and never got one. NOTE: to any mom in this same predicament... don't assume ebay has the best price and know the retail price. The american girl dolls are priced better on the american girl site than on ebay!

So on that note.. I have been reading the Tightwad Gazette for several months and truly have learned so much from it. I was already starting to think differently, but I've learned to apply a lot of it. I have been finding more resourceful ways to package things I sell on my site on etsy. I made a big batch of pumpkin, raisin and walnut muffins and froze them. I then take one out and wrap it and put it in Julia's lunch box so it's thawed enough to eat by lunch time.

I highly reccomend it for anyone pinching pennies and even if you're not just making what you have stretch.

Stay tuned... I want to share pics of our awesome week down at the beach just 15 minutes away.

Origami Lights by whimsidoodle.etsy.com