You know, we’re halfway through the year and I still haven’t reached all my goals. That private jet? In someone else’s name. Book deal? Workin’ on it. Owning a writers’ cafe? Yah. That’s on the back burner for a while longer. [See what I did there? Cafe? Burner? Sigh . . . ]
So, I’m sitting here thinking, egads! [True story. I actually said “Egads!” out loud. To no one except the fur family. Some days I’m glad they can’t talk English.] But back to it. I’m sitting here thinking, egads! I’ve been so busy I forgot to write Friday’s blog post.
And then I thought to myself, “Self! It’s a Five Things Friday post. You’d best come up with something good!” And my self answered, “Oh, Girl. Don’t bother us. We’re working on the budget.” Okay, it wasn’t all as Sybil-esque as all that, but, yes. Yes I did have a conversation with myself about the budget and paydays and where to find extra cash.
In fact, as I was writing this month’s budget, a nagging thought distracted me until I wrote it out:
Five Things Friday: Pocket Change – Money Comes From Unexpected Sources
That photo above is just a little snippet of my Happy Planner budget sheets. Y’all know my affinity for Happy Planning, yes? Well, maybe that will be next week’s FTF post. Today, we’re about saving pennies. And more.
But it got me thinking. I know I’m not the only who could use a few extra greenbacks. Or a means to accomplish that which must be, well, accomplished. Am I right? Oh, come on folks, I ain’t making this up!
So, in keeping with my striving for a better credit rating and a little fun money [or just a better bag of cat food now and then], here are five easy changes you can make to help save a little dough.
The Penny Jar. It sounds old fashioned, and even I was skeptical about its profitability at first. But when I cashed out my pennies at the end of six months, I was pleasantly surprised to find enough for a trip to the grocery store and gas station. Now, I’m not saying I bought enough for the month with a cross-country drive, but it did get me through the week and with a little sumthin-sumthin to enjoy Friday night. Which, coincidentally, is now my new penny jar.
Southern Roasted Pecan Gelato. Frankly, My Dear . . . Did someone say, “Yummm.”?
Talk. Chat. Discuss. However you want to word it, word it. Communicate. Got bills you can’t pay? Let the payee know ahead of time. Most times, companies are willing to work with you if you ask. Now, you can’t be all i-just-bought-a-car-and-quit-my-job-but-i’m-keeping-it on them. I mean, you do have to maintain some responsibility. But take it from me. You know. You’ve read about it here. When you’re in a bind, explain it. Late fees get waived, due dates get pushed. It’s worth a little time to save a little money.
Sort it all out. Take inventory of what you have, materially, and ask yourself if you really need it. Start small: Take one shelf, one drawer, or one cabinet, and sort it into three piles: Keep. Throw Away. Sell. If it’s in good condition but you don’t need it, consider putting it on LetGo or a local Facebook Yard Sale group. Ebay’s a great source, too. There’s tons of them out there. And if after a decent amount of weeks go by and no one’s bought, donate. Sure, it may not put money in your pocket, but your house will be less cluttered. Clean house, clear mind. Isn’t that a thing?
Explore your talents. Now, I know you’re good at stuff. And some stuff, you’re really good at. And I know it doesn’t always seem like it, but trust me on this: You have something to offer others. So get creative! Whether it’s a service or goods, take time to develop it. Freelance. It doesn’t take much for word to get out if you’re good at what you do. Babysitting, baking, tree trimming, yard care, dog walking. Are you good as socializing? Love to connect with people? Try something like DoTerra or Jamberry nail wraps. You not only get great discounts for yourself on products you love and use, but if you turn it into a business, you’ll get a nice little income, too!
Frankly, My Dear . . . Jam With Mojo
Give it up. There are just some things y’all don’t need. When the decision is between milk or bread, it’s time to stop the Netflix. Now, treating yourself is a must, so get that Redbox DVD once in a while. Splurge for that Starbucks every three weeks. But when you start cutting corners and realize how easy it is to roll that savings into paying off another bill and that snowball keeps rolling downhill . . . pretty soon you’re king of your mountain and those are wildflowers springing up to make things beautiful.
Hyacinth for the Soul.
BONUS TIP: Pay attention to your spending. Don’t just write it in your checkbook or look at your smart phone now and then. Make a budget journal. Keep your receipts. Figure out where and how things can change. Grab a small drink instead of large, especially when the refills are free.
BONUS BONUS TIP: On the morning of each payday, whatever money you have left in your bank account that’s unallocated, transfer it to your savings or emergency fund.
BONUS BONUS BONUS TIP: Barter. You can’t afford everything you need and want. Neither can everyone else in your world. But you may be able to work out a trade. You can wash a car in exchange for yard cleaning. Tired of your DVDs? Trade them with a friend for some new but free entertainment. Money is a means, not an end. When you remove money from the equation, you may find a different solution.
BONUS BONUS BONUS BONUS TIP: Don’t be afraid to ask when you need help. It’s okay to admit you can’t handle everything on your own all the time. No one can. If we could, we wouldn’t need each other, would be?
BONUS BONUS BONUS BONUS BONUS TIP (So really this should be a Five Things PLUS Five Things Friday): Take it all to the Great Provider. I find that when I earnestly ask God to bless my budget, I’m more aware of my frivolous spending habits, and more attentive to being a good steward of what He has blessed me with.
Frankly, My Dear . . . Happy Planner Budget Dashboard
You know me, right? You know when I usually put up a title it has a different or double meaning. So when you read “bad credit” I’m sure you’re thinking, She can’t really mean ‘bad credit’. It must be some trick word usage like ‘bad’ as in ‘sick’ or ‘awesome’ and ‘credit’ like those things that roll at the end of a movie. That’s it. This Girl saw an awesome movie and she’s gonna tell us all about it.
So, while that’s a fantastic interpretation of how my mind works at times, and maybe in the future I’ll use it as such, this post really is about just that: bad credit.
Here’s the not-so-secret secret. I have struggled with debt and bad credit for the better part of the last twenty-five years. Why am I telling you this? Because I recently discovered something awesome:
I am not alone.
For a really long time ~ and by really, I mean really ~ I felt like I was. And it wasn’t until I started to share my story with people outside my family that the fog of shame and self-imposed stigma started to lift.
I felt ugly. I was having screaming matches with the people who love me and who have, for the better part of these years, helped me in some form or another. My self-worth tanked every time the phone identified “Call from Unavailable.” I was jealous when Facebook told me how others ate out and went to movies. Here I was trying to decide between cat food, a gallon of milk, or a little more gas in the car.
Sure, things weren’t always horrific. I had good seasons that included Disneyland passes, trips to the bookstore, and last year’s writing conferences. Every payday I allowed myself a McDonald’s meal and a Starbucks. But those sparkling gems were few and far between.
Most of the time, I was waking up with anxiety. I’m not saying I grew anxious as the day went on. I’m saying, I woke up that way. I would go through bouts of not being able to drink coffee or eat breakfast because my stomach was in tumbles. I unplugged the phone at home just to get some peace and quiet. I was feeling sick, tired, worn out.
I WAS DONE.
There has to be a way out, right? Or was I destined to always feel like this? Do I attract debt? The answer is yes. And no. There were quite a few circumstances out of my control that contributed to my building debt. And there are habits that keep me there.
Unemployment, medical bills from several ~ and by several, I mean twelve ~ car accidents (never my fault, thank you for your concern), and the loss of child support when Dot turned eighteen. All these led steadily to the demise of what I like to call, my free money.
As much as I tightened the belt, I was just in over my head, upside down, sideways, and very, very shaken.
The triggering event was a radio commercial for debt relief. I was amazed at how they knew just what my situation was and how a quick loan would help me immediately.
Is This Thing On?
For about eight seconds I thought of calling. Then I jumped off that horse and put the phone down.
I mean, can you imagine what the interest rate must be on a quick loan with no credit check? [Hint: Way more than I could ever pay back.] And if there’s no credit check, what do they use for collateral? Employment verification, I think. Maybe a vehicle. Well, I certainly wouldn’t want them calling my boss if I was ten minutes late on a payment. Or taking my awesome little putt-putt away. Let’s face it: I’m already late on payments. Shifting debt from one source to another doesn’t alleviate the problem. It just shifts it. That’s why this commercial got my attention.
And then something else got my attention. The realization that I wasn’t the only one who had heard that commercial. I don’t live in a metropolis, and a lot of people don’t listen to the radio. But even so, if just a fraction of the population heard that commercial and thought of calling, how many others must feel there’s no way out from under the debt storm?
You know the old saying. When it rains, it pours. We usually say that when negative things happen. Wouldn’t it be awesome if we could pay attention to the storm of sunshine when it comes? What if, instead of hiding under dark umbrellas, they were fun, bright little things sticking out of our drinks in paradise? Or, turned upside down, and we could use them to collect pennies from heaven?
Every time it rains, it rains pennies from Heaven.
My plan is to share with you in future posts how I am overcoming my debt. I’ll be transparent about what works and doesn’t work for me. No, you don’t get to see my financials. That part is none of your business, but thanks for asking.
I’m also not a debt collector, licensed life coach, credit counselor or financial adviser. So here’s the disclaimer part: Any post relating to getting out of debt or managing money is strictly my personal experience and observances. I share them to let others know
YOU ARE NOT ALONE.
I share them to give hope. There’s power in the knowledge that even though it looks like things are getting darker, there’s always some form of light.
There’s still a lighthouse.
Here’s the thing: It does get better. I promise. You can learn different habits, discover hidden treasures, use what you didn’t know were assets.
The Unemployment Cookbook is the blessed result of needing to feed my small family with a small amount of groceries. Little did I know at the time I started creating these changeable recipes that it would start me on the road to self-publishing and turn into a constant seller.
The Unemployment Cookbook, Second Edition
I hope you start to count the sunrises each day, and find lots of pennies on your journey to paying down your debt.
I didn’t mean for this post to be just a teaser, but it’s already pretty long so the next part will have to wait.
I’d love to read comments and questions from you:
Are you struggling with debt?
Do you have any advice that can help others?
What are your thoughts on money?
And if you feel that your debt is going to swallow you whole, if it is consuming the lifeblood from you, please please please talk to someone. It’s okay to be in debt. Nearly everyone is, one way or another. It’s how you treat it, how you take care of it, that matters.
But know this:
Not being able to pay your debts does not make you a failure. It takes a hundred pennies to make a dollar. Start slow. Don’t expect miracles. Your debt didn’t happen overnight. Neither will the solution. Stay the course. And fill that jar.
My Penny Jar
You’ll get there.
Finally, because I thing the world needs more upside down umbrellas and happy songs, I leave you with some snazzy tap dancing. Enjoy.
The calendar tells me it’s been nearly two months since I last blogged.
Inconceivable!
Without going into dramatic detail, suffice to say life with all its twists and turns has been a great distraction from blogging. It’s been full of The Good, The Bad, and The Ugly. And we’re all learning to exchange beauty for ashes (Isaiah 61:3).
The calendar also tells me the year is about two-thirds behind us. Now that’s crazy! I look back on my resolutions and I’m so happy I had just one.
BETTER! 2014
I’m proud to say I’ve continued to do what I can to make life Better for those around me, and yes, for myself. I’m not proud to say I’ve put blogging on one of the back burners. It’s one of those things that I have great aspirations for, yet lately seem to not have time. So today, I’m taking time. I’m making time. I’m blogging. And I feel better because of it.
This week’s Five Things Friday theme is Start/Stop. It’s about those things in life that we either need to step up to, or let go of, or find a happy medium to make them better.
Here’s my Five.
1. NOLA. Is that really such a surprise? I hit a very tall Writer’s Block wall over two weeks ago. Thankfully, my writing mentor, Aaron Gansky, talked me through it. Based on feedback from Aaron, The Wordsmiths (the critique group I belong to), and several other beta readers, I’m going back to the beginning. Just the beginning. The plot itself will remain nearly the same, with just a few more twists and turns than I originally mentioned. But I need a better diving board, so I’m rewriting what I have and moving on from there. [Thank you, Aaron, for pointing out that my murder mystery novel has yet to include a murder.]
The Wordsmiths Critique Group
2. My budget. I had a long talk with God about my finances and to be honest, I didn’t like what He had to say. Because He said “Trust me.” It’s scary to trust a God I can’t physically see, for money that I physically need. I’m learning to be still, to not force anything, and to communicate. I stopped going from paycheck to paycheck, and started to really use my Mead OrganizeHer Expense Tracker. No, I’m not trying to be a commercial for them. But if you were to ask me a year ago how I keep track, I wouldn’t have a clue. Now, as soon as a bill comes in, I put it in the Bills pocket. Each month has an expense list, suggestions, and blanks for me to include my own. I’m learning to call my creditors before the due date if I can’t make the full payment. And you know what? They work with me. I’m no longer afraid of my finances. And that’s a good start. I’m still praying for a way to cut down my Sycamore tree, as it’s leaching into my watering system and I found out I’m highly allergic to it. And Beckie and I are hoping to attend next year’s Blue Ridge Mountains Christian Writer’s Conference in May. There’s a huge correlation between my prayer life and peace about my finances.
3. Who’s Beckie? She’s the Newest member of The New Inklings, the writer’s group I formed around my company, New Inklings Press. Beckie and I know each other nine ways ’til Sunday and are just now realizing how many connections we have. I met her over a year ago while promoting The Unemployment Cookbook, and she recently reached out to me for a writer’s get-together. She’s been published in magazines, completed the Institute of Children’s Literature (ICL), and inspires me to keep going when I want to quit. Because of her, I’m going to start the next lessons at ICL and finally complete the course I signed up and paid for so long ago.
4. Complicated. In May/June, I was thrilled to have met up with an old friend and we had the idea to pursue a relationship. The relationship aspect didn’t work out, but I learned a valuable lesson through it: Don’t Leave. Period. While our romantic intentions didn’t flourish, I learned better communication skills. I prefer writing, of course. He prefers speaking. Long texts and longer phone calls were the norm between us. And no matter that any long-term romance was never a really good idea between us, the friendship has remained. As has my determination to not walk away from the fundamentally most important parts of life. He and I haven’t left each other, we just left behind an improbable romance. And I’m okay with that. Because, fundamentally, he’s still here for me. And I’m still here for him. No matter what.
Don’t Leave. Period.
5. Social. At the beginning of this post, I alluded to some, shall we say, challenges in the past few months that have sapped my attentions and my strengths. Because of this, I’ve had to evaluate my social calendar and make some changes. I momentarily stepped down as Social Media Manager (SMM) for my writer’s club. Aaron hired me as his SMM for a reciprocal mentoring agreement. I’ve taken as much off my plate as I can, and I’m still paring down. I’m learning to fit dinner and socializing into the same event. I’m learning to say “no” instead of “let me try”. I’m learning to rest. I’m learning what and who the important socials are. And I’m learning to let go. It’s not my favorite thing. But it’s important.
5b. [BONUS] Social. Aaron is teaching me how to nerd it by playing Magic: The Gathering. Stay tuned for his guest post on the subject. I enjoy the complexity of strategy, the lottery-feel of opening a new pack to search for random “rares”, and that while he’s always winning at Magic, he’s also mentoring me on my writing. It’s a win-win-win situation, in my book.
5c. [DOUBLE BONUS]. Social/book. If any of you bloggers reading this are interested, Aaron is giving away five free copies of his newest book, THE BARGAIN, (either digital or audio) in exchange for a thorough/heartfelt review on your blog. Just leave a comment below and we’ll be in touch with further details.
The Bargain by Aaron D. Gansky
Well, now that I’ve started blogging again, it’s time to stop this post. It’s your turn to comment, like, link up, and otherwise share what your FIVE THINGS FRIDAY: Start/Stop items are.
Tweet this: Not being able to pay your debts does not make you a failure. #badcredit #credit #debt #countyourpennies @realmojo68
