Author Topic: Money and Voice  (Read 1631 times)

Hopalong

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Money and Voice
« on: February 19, 2006, 09:55:48 AM »
Anybody with money challenges want to talk about how they cope?
Unexpected cost cutters?
Strategies?

I sometimes imagine that as I get older and if I haven't hooked some poor man for marriage #3, then Plan B would be an kindly-old-crones-commune.

But that's a good ways off, I hope!
Meanwhile, since I live with Mom, there's a blessing in that since it's inexpensive. I am socking away half my salary (frantic effort to play catchup for retirement since to my everlasting regret I did NOT plan for it...here I am in my mid-50s going, oh %^&*!!)

If I could garden I'd grow most of my own veggies, but that's not an option until my back is better. I buy clothes when I have to at the Goodwill, look pretty put together. Drive an 11 year old rustbucket but it gets good mileage. Otherwise, just don't shop.

Books are free (library) and my weak spot is lunches with friends and the occasional movie.

How do some of you manage it, especially if that's a new skill?

Hops
"That'll do, pig, that'll do."

mum

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Re: Money and Voice
« Reply #1 on: February 19, 2006, 11:32:45 AM »
Hmmmm. I may get a flurry of "get your head out of your arse or the sand" responses to this, Hops, but here goes.

I think money, like everything else is energy.  The only reason it doesn't grow on trees, is that the collective consiousness is not currently allowing it. Yup. I said it.

My father had what I have heard called a "abundance consiousness". My mom, who grew up very very poor, not unlike most people at the time, during the depression. She had a "poverty consiousness". Her luckiest thing is that they found each other, and he taught her a different way to think...I think. This was one area where he taught her....there were plenty where she taught him as well.
She told me that she would frequently freak out about money (like most people would with nine kids) and my dad would simply tell her to "have faith, we will be ok. God is looking out for us" and by golly, something would drop out of the sky to help them out.  It's not like my dad didn't work, he actually worked his butt off, but happily, creatively... So what would seemingly drop out of the sky was residuals from an old project, or a client would suddenly make it big and finally pay him....or something.

We were not "loaded" growing up, but in perspective, they fed and clothed and raised nine kids, and my mom pretty much ran the home show, so they made plenty. I never felt "poor" although I didn't get everything I wanted....(probably good, too.)

Anyway, now, as an adult, I see that consiousness of "lack" in my exN quite a bit: not enough love, not enough money, not enough time, not enough power.....so he has to cling like crazy to whatever he has, which is a lot money wise, but he is NOT going to let ME get my hands on any of it (as in child support....of course he doesn't see that as for the kids...)

I am not extravagant in any way, but I do not obsess about money like I used to, and I have been reading a lot about the consiousness of people who do make lots of money. Turns out it is a mind game more than anything else. If I did focus on what I do not have, financially, I would lose my mind, as this legal crap with my ex has cost....well, I know, but I hate to give it too much of my energy, as it feels like a downward emotional spiral to get into it. I know what it has cost, I know it could have gone to paying for college, but it's gone now. It does not help me CREATE abundance for myself by focusing on the LACK.

SO, my father's legacy to me is two fold: I saw him die happy, leaving his wife with enough money to not have to worry about it again. And he also left enough in his company to occassional help us out....and that is many times where my "magic money fallout occurs", just when I think I can't pay a bill, something happens, either a little bit from the family, or I get to do an extra project at work that yeilds what I need, or I get paid some strange payment from something I forgot about, or my son gets another scholarship to help pay for college...

But here is the bottom line for me:
 I BELIEVE that I will be prosperous, and always have enough. I BELIEVE I will be able to afford what I need to be comfortable.
I KNOW I will leave my children with a bit of money to help them out, as my dad has (although I better not die soon, as it is currently not in the bank :lol:). I BELIEVE in the abundance of the universe, and I work toward making sure I SHARE with those less fortunate, as I think there IS enough to go around, it is just not spread out too well.

One thing I do, is count my blessings. I really do. I think this is how we creat goodness for ourselves, by appreciating what we DO have.
I feel grateful every day that I do have a roof over my head, that my children are healthy, and that my dogs are, too.
I thank God and the universe for finding my love again, my peace of heart again, even though I have all these struggles, I am here. I have a good job. I have a wonderful family, friends. Everytime I appreciate and feel grateful, I feed myself such positive energy and vibrations, that I cannot help but attract the same. I believe this is how my dad did it. He worked hard, but with such grace and appreciation for every opportunity, that he CREATED his wonderful life. He was spiritually connected and aware....I think that is how he did it....or at least that's how he had FUN doing it.

You are doing what you can to insure your future proseperity. You have a (albeit not perfect!!) situation with a family member
that keeps a roof over your head. You are fun, funny and smart (noticeably) and not afraid to work hard. You are ASKING for ideas, input and help.
THAT, in my "head in the clouds, feet on the ground" opinion, is what makes us OKAY and dare I say: PROSPEROUS!!!

Portia

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Re: Money and Voice
« Reply #2 on: February 19, 2006, 11:37:32 AM »
I pretty much do the same as you but I don’t lunch or movie-go (but then I don’t live with mom either). My vice is ciggies which I buy from Belgium or Spain where they are at least half the price. Stupidity increduloso but I do it. And I enjoy the trips. Never eat out here (it’s way too expensive). Buy take-away food instead for a bit of fun.

And I don’t have debts. Always paid my debts before spending.

My luxury is buying good food when I want to but I severely limit myself. Delayed gratification stuff and puritinism!

Money is funny stuff. It's in reality just an idea, not a real thing (value, worth etc). Kind of following on from Mum there.

You have skills hopalong that you could maybe trade for things without using the wreched money stuff.... ?

Hopalong

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Re: Money and Voice
« Reply #3 on: February 19, 2006, 12:15:49 PM »
Thanks for the inspiration, guys.
I will start thinking more optimistically and scale back on the lunches. (Somebody gave me a nice TV so now I can watch DVDs at home.)
(No reason I can't have a bowl of wonton and still meet friends...that's mental health...but I can keep food at the office too and fill up a bit before I go.)

My main bartering skill is writing, more computer sitting...but I am doing another freelance thing.

Was wondering what clever things people have come up with. What challenges they face and how they strategize. (There's a wonderful wacko, Dave Ramsey, on the radio, who is EVANGELICAL about people turning their financial lives around. Love listening to his show.)

So, P, you're a cig smuggler? Fascinating!
(Portia in Zorro costume, on a mighty horse, thundering through mountain passes with saddlebags stuffed full...I know it's just like that.)

Hops

"That'll do, pig, that'll do."

Healing&Hopeful

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Re: Money and Voice
« Reply #4 on: February 19, 2006, 12:23:51 PM »
Hiya Hops

One of the best ways before you start trying to cut back and save, is to note down everything you spend in a month, and then look at where you can cut back.  Sometimes you can save money on odd things, like buying cheaper toilet roll.

When we were saving last year, we cut back on going out and I cut back on buying lunch every day, I'd take crackers and cheese to work with some yoghurts, fruit etc and munch on that.

Must dash now... my chicken dinner is ready  :D

Love Valxx
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To let u know, life ain't so bad
Now I've given a hug to u
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write

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Re: Money and Voice
« Reply #5 on: February 19, 2006, 12:48:48 PM »
I'm working through Simple Abundance: A Daybook of Comfort and Joy and Sarah Breathnach talks a lot about appreciation and believing that things will be ok.
That the Spirit of the Universe will take care of you. If you do what you know in your heart needs to be done.

Saying that my friends believe that and I've watched them plough themselves into massive debt...I don't think it's a matter of waiting for someone else to do the necessary work for you. You also have to work out and do what it takes.

I see money like everything else- a system of balance. You take out of the world and you put back in and get paid for it.

I got my latest work gig when I was angry about being ripped off by someone else and I called the manager of this place immediately after and was really assertive. I love it, and the best feeling is that I am getting paid adequately for what I do, I really work at it and it's good to be fully appreciated.

What I have found about putting/ keeping money in the bank is most important- deferred gratification.
Not only do you then not confuse want and need or buy things unnecessarily, the sense of pleasure in getting something you've waited for and saved for and looked forward to is so much greater than just sticking it on a credit card.

Here in the South where it's so hot a big money-waster can be bottled water and soda, you can save $$$s a month by taking it with you rather than a dollar a time from a vending machine etc.

The cinema I will stick a handful of candy in my purse or maybe a drink, the tickets aren't overpriced but the snacks and drinks are, especially if there's a few of us.

Fortunately there are many eating out cheap places here, a nearby all-you-can-eat Chinese buffet for $7 each or 99c Tuesday deal for 2 pieces of Cajun chicken...my friends often cook for me too especially whilst I was ill.
There's always something on special in the supermarkets.


Brigid

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Re: Money and Voice
« Reply #6 on: February 19, 2006, 02:27:58 PM »
Hoppy,
I would recommend a book I purchased named "Smart Women Finish Rich," by David Bach (he has written many best-selling books on money and investments).  It gives women many ideas for where they can cut back on their day-to-day spending in small ways that really add up.  He talks a lot about "the latte factor" which refers to buying that daily latte from Starbucks (or wherever) instead of making your own coffee at home.  My own personal weakness is clothes, but I never pay full price and try to shop only at the discount stores.  I also get a manicure 2x per month (a real indulgence, but I have horrible nails), but I don't smoke, drink little, usually only eat out on weekends with the b/f (we trade off paying--but he pays more often than I do), rarely buy coffee out unless I occasionally meet a friend, never go to movies, keep my thermostat as low as I can bear and try to keep electricity and gas use conservative.  I too, am very grateful for what I have and never take any of it for granted.  I also try to share what I can, but give more of my time than money.

As much as I believe in much of what mum said about faith and goodwill, I do believe we have a personal responsibility to ourselves and our children to save appropriately for our retirement.  My xh and I were always in debt because he could not manage money and we were always robbing Peter to pay Paul--even though he made a good income.  He was always of the mind that eventually everything would be fine (that would be after his parents both die) and just refused to take any responsibility.  Since the divorce, I have paid all my outstanding debts other than my mortgage and try to live by the philosophy of paying myself first every month.  I know for me, this has created a great sense of financial calm that I never felt during my marriage as I was in charge of paying all the bills and constantly had to worry about where the money was coming from.  I plan to purchase long-term care insurance this year so that if I need to be cared for at some point in my life, it will not burden my children. 

Good luck,

Brigid