What would your future-you have to say to you?
The no-pants guide to spending, saving, and thriving in the real world.
What would your future-you have to say to you?
My mother-in-law’s house is ready. The walls are painted, the hardwood floors have been sanded and polished, the carpets have been cleaned. Now, we just have to get the lease signed and let the renters in.
This week, we had our first real bullying incident on the school bus. I guess one of the benefits of having a kid who is the biggest in the school is that nobody punches him. My daughter doesn’t have that benefit. She was punched and pushed for being in the wrong seat on the bus a couple of days ago. Thankfully, the school dealt with it quickly. The bus is equipped with video and the little girl copped to it. She’s s off of the bus for a few days and her parents have been informed. Unfortunately, her twin sister seems to be the vengeful type. She came home yesterday lying about how my daughter behaved on the bus and got another little girl to lie about getting hit and bit by my daughter in school yesterday.
How do I know it’s all lies?
First, my daughter didn’t ride the bus yesterday afternoon. She was scared in the morning, so I promised to pick her up from school. Hard to misbehave on the bus when she was cuddling with her mother on the couch. The other little girl–who goes to daycare with the twins just up the street from our daycare provider (who happens to be the grandmother of the twins)–recanted once she was away from the vengeful twin. Her mother filled us in last night. I’m not a fan of a grandmother defending a kid’s lies. No kids are angels, but helping them lie doesn’t make them better people.
I’m aware that I’ve been a bit of a slacker about posting these links. My apologies to everyone who deserved a link but didn’t get it in a timely manner.
Yakezie Carnival hosted by Narrow Bridge
Finance Carnival for Young Adults hosted by Finance Product Reviews
Carnival of Financial Planning hosted by Family Money Values
Yakezie Carnival hosted by Moneywise Pastor
Lifestyle Carnival hosted by Vanessa’s Money
Carnival of Money Pros hosted by See Debt Run
Carnival of Financial Camaraderie #64 hosted by Master the Art of Saving
Carnival of Retirement #52 hosted by Master the Art of Saving
Yakezie Carnival hosted by Your PF Pro
Lifestyle Carnival #33 hosted by Lifestyle Carnival
Carnival of Financial Camaraderie #62 hosted by Savvy Scot
Carnival of Money Pros hosted by Debt Black Hole
Carnival of Money Pros hosted by Making Sense of Cents
Lifestyle Carnival #31 hosted by Vanessa’s Money
Carnival of Money Pros hosted by The Frugal Toad
Money Mail Carnival #5 hosted by The Money Mail
Carnival of Money Pros hosted by Vanessa’s Money
Money Mail Carnival #4 hosted by The Money Mail
Finance Carnival for Young Adults #39 hosted by 20s Finances
Yakezie Carnival hosted by My Family Finances
Carnival of Money Pros hosted by Growing Money Smart
Carnival of Financial Camaraderie #57 hosted by My University Money
Money Mail Carnival #3 hosted by The Money Mail
Yakezie Carnival hosted by I Heart Budgets
Carnival of Retirement #46 hosted by Making Sense of Cents
Yakezie Carnival hosted by The Ultimate Juggle
Carnival of Money Pros hosted by My Multiple Incomes
Carnival of Financial Planning hosted by Master the Art of Saving
Money Mail Carnival #2 hosted by The Money Mail
Carnival of Financial Camaraderie #56 hosted by See Debt Run
Carnival of Money Pros hosted by Finance Product Reviews
Yakezie Carnival hosted by Parenting and Money
Lifestyle Carnival #27 hosted by Femme Frugality
Carnival of Financial Camaraderie #55 hosted by My University Money
Yakezie Carnival hosted by The Ultimate Juggle
Lifestyle Carnival #26 hosted by Mo Money Mo Houses
Carnival of Money Pros hosted by Debt Black Hole
Carnival of Financial Camaraderie #54 hosted by Cash Net USA
Carnival of Financial Planning hosted by Young Family Finances
Yakezie Carnival hosted by Portfolio Princess
Carnival of Money Pros hosted by Thirty Six Months
Carnival of Retirement #41 hosted by Financial Conflict Coach
Lifestyle Carnival hosted by Master the Art of Savings
Yakezie Carnival hosted by Cult of Money
Lifestyle Carnival hosted by Blue Collar Workman
Carnival of Money Pros hosted by Making Sense of Cents
Carnival of Retirement #41 hosted by The College Investor
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Guest Post Author Bio: Miss T blogs at Prairie EcoThrifter. She grew up in the Canadian prairies and still lives there today. She is passionate about saving money, being healthy, looking out for our environment, and most of all having fun. Her blog shares tips on how you too can live a green, debt free, and fun life.
This week I am participating in a Yakezie blog swap where I am to answer the question ” Name a time when you splurged and were glad you did.” I had to seriously think about this for a minute and then it came to me. What do I consistently spend my money on that brings me the most enjoyment? Answer: Travel.
To say I love to travel would be an understatement. Travel for me is a life changing experience that I desire to re-live over and over again. I can think of a million reasons why I love to travel, but I thought I would boil it down to five.
1. Learn about myself. When I travel I gain a deeper understanding of myself and the world in general. Much of the experience is dependent on how different the environment is from what I am used to. When I traveled to Europe the first time, I got to try some different food and see how great it was to have a siesta in the middle of the day, but the transition was relatively painless. When I traveled to Central America last year for my honeymoon, I was a lot more out of my comfort zone. I was sleeping with tarantulas and geckos and trying food I couldn’t even pronounce. Plus, I couldn’t speak the language.
When I am in this kind of situation, I encounter things that I have never encountered before. I am forced to be on the alert because I don’t have any prior knowledge to rely on. Since everything is new, I am automatically forced to try to make sense of it all.
For many of us we have never really looked inside ourselves and examined what we are made of. When we are somewhere new, we have nowhere to hide. This is the point where you become really intimate with the ideas you have of yourself, of your ego, of life, which you may have been really identified to, and derived your sense of self from.
Your ego is essentially your self image; it’s the persona you display to society. Your ego survives only by constantly seeking approval from that which it wants to identify with. This is the society you are raised in. What happens when your family, friends, and your typical environment is not there to reinforce the ideas you have of your self? You ego becomes shaky; it starts to lose it’s hold on you. By traveling to the unknown, your ego falls apart and the true you is given the chance to emerge.
You begin to challenge and question everything you have ever believed. If you can be brave and not run away and use this as way to grow, you will see that all your beliefs belong to society and that they were never really yours to begin with. This can be extremely scary, liberating, nauseating and a million other things all at the same time.
I remember going through this very process when I traveled to Cuba. I knew intellectually that there were people in this world that weren’t as fortunate as me, but I was never able to fully understand that until I saw how some people lived in Cuba. I couldn’t help but reflect on what it would be like to never be able to own a home because the government owned everything and personal freedom didn’t exist. I wondered what it would be like to be so poor that I would have to walk around grimy city streets barefoot because I couldn’t afford shoes and it wouldn’t matter how many cuts I would get from broken glass because I had to get myself to work everyday on foot. That trip really shattered my ego and my mental models and when I arrived back home, I approached my own life very differently.
2. To do what I love. Interestingly, there are very few other areas of my life where I feel more at home and happy then when I am traveling. I really enjoy experiencing the unknown and all of the possibilities it has to offer. I guess I feel totally free; free from obligation and expectation. I am able to explore on my own terms and be who I want to be without negative consequences. When I am planning a trip, my excitement consumes me. I can’t help but wonder; what am I going to see? Who am I going to meet? What am I going to learn?
3. Re-live my youth. Unlike many of my peers, I skipped the university experience. When I graduated high school I went straight to working full time at my family’s business. It wasn’t until later in my life that I went back to university and got an education and got the job that I have now. I never had the opportunity to have 4 months off for 4 years and travel when I was younger. I was too focused on making money and buying my first house. I wanted to be an adult as fast I could.
Traveling now allows me to capture some of those stolen moments. The best thing is I have more money and resources behind me now so I can travel without incurring debt and causing financial strain which would have happened if I had done it in my younger days. I also have a partner to travel with, my husband, which allows us to grow and experience with each other by our side.
4. Redefine my boundaries. Being in a completely different environment than what I am used to excites me. I am somehow willing to try anything, regardless of what the consequences can be. When I was in Europe for the first time, I decided to try para-gliding in Austria. It was an amazing experience. However, if you would have asked me when I was still at home if it would run off of a mountain and free fall to the ground, I would probably have said “no way”. Being somewhere different allowed me to push my boundaries and cast my fears aside. Not only was it liberating and a ton of fun but it has made me push myself harder and further in other areas of my life which has only led to success.
5. Enhance my education. Learning through textbooks is not the same as learning hands on. I much prefer learning through experience. I find I never forget what I experience whereas I can forget what I have read.
Traveling allows me to enhance my education of the world around me through experience. I get to see first hand how something is made or used, or taste a food that I have never heard about before. I get to experience history by walking through castles and basilicas instead of reading about it or watching a documentary on TV. I get to discover the world for what it is first hand instead of through someone else’s eyes. I am able to learn about something honestly instead of through a tainted image painted by someone else.
The knowledge I have gained through my travels to date has enhanced my life and opportunities in so many ways. I have never learned something that hasn’t proven useful.
Travel isn’t cheap and to many is viewed as a luxury but to me it is something worth splurging on from one year to the next. The personal gains I get from my investment are invaluable!
This week, I spent more than 2 hours, 20 emails, and 30 miles trying to convince UPS and Barnes & Noble to get me a Nook that I paid for 3 weeks ago. Hopefully, I’ll have it early this week. If not, I’m giving up. The only other action I’m willing to take to get this resolved is to call my credit card company and file a chargeback.
Fun!
I am on the Slow Carb Diet. At the end of the month, I’ll see what the results were and decide if it’s worth continuing. For those who don’t know, the Slow Carb Diet involves cutting out potatoes, rice, flour, sugar, and dairy in all their forms. My meals consist of 40% proteins, 30% vegetables, and 30% legumes(beans or lentils). There is no calorie counting, just some specific rules, accompanied by a timed supplement regimen and some timed exercises to manipulate my metabolism. The supplements are NOT effedrin-based diet pills, or, in fact, uppers of any kind. There is also a weekly cheat day, to cut the impulse to cheat and to avoid letting my body go into famine mode.
I’m measuring two metrics, my weight and the total inches of my waist , hips, biceps, and thighs. Between the two, I should have an accurate assessment of my progress.
Weight: I have lost 41 pounds since January 2nd. That’s no progress since last week. I’m still doing push-ups every day, so it’s not surprising that I’m flunking weight loss.
Total Inches: I have lost 22.5 inches in the same time frame, up half an inch since last week.
Five Cent Nickel had a post on tipping. I always tip, but I don’t consider 15% to be a requirement. If the service sucks, I tip just a few cents. If the service is great, I easily and always clear 20%. A friend tried telling me that servers expect 20% to be standard, but that’s nuts. They aren’t the people who get to make that decision.
Money Crashers talked about traveling for free. In anticipation of the Financial Blogger Conference in October, I opened a travel rewards card. I’m hoping to make the trip for free.
I watched a TedTalk yesterday about teaching kids about electricity with homemade play-dough. This is a project that will be happening.
Narrow Bridge Finance ran my post, Monsters, while I ran his, Living the High Life, for the Yakezie blog swap, answering the question “What motivates you financially?”
Negotiating Superstar was included in the Carnival of Personal Finance.
5 Ways to Change Your Spending Habits was included in the Totally Money Blog Carnival.
Thank you! If I missed anyone, please let me know.
There are so many ways you can read and interact with this site.
You can subscribe by RSS and get the posts in your favorite news reader. I prefer Google Reader.
You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.
You can ‘Like’ LRN on Facebook. Facebook gets more use than Google. It can’t hurt to see what you want where you want.
You can follow LRN on Twitter. This comes with some nearly-instant interaction.
You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of. I promise to reply to any email that isn’t purely spam.
Have a great week!
Ever since she was a little girl, my wife has wanted to be a horse. Err, work with horses.
The problem is that most jobs working with horses pay horse-crap. It’s hard to raise a family on a stablehand’s income.
Her alternative was to own horses. This comes with a different set of problems. The biggest problem is that we live on 1/8 of an acre in a first-ring suburb. That’s not a lot of room to graze, though I would be willing to give up my spot in the garage.
I rock like that.
Boarding a horse costs a minimum of $200 per month. Two girls means two horses, otherwise, they won’t both be able to score in the saddle club. For the math challenged, that’s $400 per month, plus about $300 in preventative vet care per year.
$5100 for a year of boarding an extremely obsolete car.
Then, you need a trailer to get the horse to shows. You need saddles and reins and and short-legged stirrups and feedbags and muck-rakes and brushes and combs and hoof-cleaning-thingies and other stuff that will catch me by surprise for years to come.
Expensive.
My rough estimate is that it costs at least $10,000 to get into horse ownership, and that’s not counting the horse itself.
You can buy a horse for well under $1000 if you aren’t concerned about registration or speed. A 15 year old horse can last 10-15 more years, so it’s not money down the drain.
That’s $12,000 to get in and $5100 per year to stay in. Minimum.
Never let it be said that I’m not a pushover. Last month, we bought an SUV that can pull a horse trailer. Last weekend, we bought the trailer. That’s two major steps towards making my wife’s dreams come true. The rest of the plan culminates in a hobby farm in the sticks.
There are several steps in between.
I just need to put the brakes on every other step. We’ve been offered the free use of one pony next season, and we may be able to get another for the same price. Beyond that, we need to be patient. There will be no ponies purchased until the new truck and old mortgage are paid.
Period.
I have a favor to ask. Free Money Finance is running his annual March Money Madness blog contest. Please drop by and vote for me. Just comment with “Game 6: Bags”. Thank you!
Starting next week, my roundups will be happening on Sunday. I weigh in on Saturday, and that just makes me feel rushed on Saturday mornings.
INGDirect is having a sweet promotion. Open a checking account, use it three times in 45 days, and get $50 free. Free money is the best kind. I love my ING account and keep all of my savings there. If you don’t have an account there, yet, now is a great time to open one.
This month, I am trying to establish the Slow Carb Diet as a habit. At the end of the month, I’ll see what the results were and decide if it’s worth continuing. For those who don’t know, the Slow Carb Diet involves cutting out potatoes, rice, flour, sugar, and dairy in all their forms. My meals consist of 40% proteins, 30% vegetables, and 30% legumes(beans or lentils). There is no calorie counting, just some specific rules, accompanied by a timed supplement regimen and some timed exercises to manipulate my metabolism. The supplements are NOT effedrin-based diet pills, or, in fact, uppers of any kind. There is also a weekly cheat day, to cut the impulse to cheat and to avoid letting my body go into famine mode.
I’m measuring two metrics, my weight and the total inches of my waist , hips, biceps, and thighs. Between the two, I should have an accurate assessment of my progress.
Weight: I have lost 20 pounds since January 2nd. That’s 3 pounds since last week.
Total Inches: I have lost 10 inches in the same time frame, down 1 since last week.
That is kind of a disappointing week, after losing 17 pounds in the two previous weeks. Still, it’s progress. Should I blame it on getting sloppy with the supplements and timed exercise, which aren’t(technically) necessary, the vagaries of losing weight, or the fact that I(gasp) had some feta cheese on a salad yesterday(Dairy is out, but I didn’t recognize it until it was too late and I was happy.)? I’ll go with B. Weight loss is never completely consistent.
If some puny little constellation can mess up our zodiac signs, what will a second sun do?
Everyday Tips and Thoughts ran a post on cell phone etiquette. I agree wholeheartedly with the bathroom talkers. I’m in there trying to concentrate, and you’re yammering to your bank, or your girlfriend? Expect me to flush every 2 minutes.
Important question: what caliber for land shark?
Do you juggle too much? Project Happily Ever After explains the difference between balls that bounce and balls that break.
Buy Like Buffet is giving away an iPad.
This is where I review the posts I wrote one year ago.
I wrote a post about saving money on health care. It’s still a good post, but the HSA/FSA rules have changed. Now, you need a prescription to stock up on OTC meds at the end of the year to spend out your account.
When you buy something, do you ask yourself if you really need it? I wrote a post to help answer that question.
I also posted lesson 4 of my budget series. This is where I go over my “set aside” funds, the money for bills that are not regular or for set amounts.
5 Things to Do in the New Year was included in Crystal’s rockin’ Totally Money Carnival. I’ll be hosting it in a couple of weeks.
Quit Smoking: My First Frugal Move…Ever was included in the Carnival of Personal Finance.
Thank you! If I missed anyone, please let me know.
There are so many ways you can read and interact with this site.
You can subscribe by RSS and get the posts in your favorite news reader. I prefer Google Reader.
You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.
You can ‘Like’ LRN on Facebook. Facebook gets more use than Google. It can’t hurt to see what you want where you want.
You can follow LRN on Twitter. This comes with some nearly-instant interaction.
You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of. I promise to reply to any email that isn’t purely spam.
Have a great weekend!