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How to Prioritize Your Spending

Finance, Uncategorized

Jewel-Osco - monster shopping cart truck
Image via Wikipedia

Don’t buy that.

At least take a few moments to decide if it’s really worth buying.

Too often, people go on auto-pilot and buy whatever catches their attention for a few moments.  The end-caps at the store?  Oh, boy, that’s impossible to resist.  Everybody needs a 1000 pack of ShamWow’s, right?   Who could live without a extra pair of kevlar boxer shorts?

Before you put the new tchotke in your cart, ask yourself some questions to see if it’s worth getting.

1. Is it a need or a want? Is this something you could live without?   Some things are necessary.  Soap, shampoo, and food are essentials.  You have to buy those.  Other things, like movies, most of the clothes people buy, or electronic gadgets are almost always optional.   If you don’t need it, it may be a good idea to leave it in the store.

2. Does it serve a purpose?  I bought a vase once that I thought was pretty and could hold candy or something, but it’s done nothing but collect dust in the meantime.  It’s purpose is nothing more than hiding part of a flat surface.   Useless.

3. Will you actually use it? A few years ago, my wife an cleaned out her mother’s house.   She’s a hoarder.   We found at least 50 shopping bags full of clothes with the tags still attached.   I know, you’re thinking that you’d never do that, because you’re not a hoarder, but people do it all the time.  Have you ever bought a book that you haven’t gotten around to reading, or a movie that went on the shelf, still wrapped in plastic?   Do you own a treadmill that’s only being used to hang clothes, or a home liposuction machine that is not being used to make soap?

3. Is it a fad? Beanie babies, iPads, BetaMax, and bike helmets.  All garbage that takes the world by storm for a few years then fades, leaving the distributors rich and the customers embarrassed.

4. Is it something you’re considering just to keep up with the Joneses? If you’re only buying it to compete with your neighbors, don’t buy it.  You don’t need a Lexus, a Rolex, or that replacement kidney.  Just put it back on the shelf and go home with your money.  Chances are, your neighbors are only buying stuff so they can compete with you.  It’s a vicious cycle.  Break it.

5. Do you really, really want it? Sometimes, no matter how worthless something might be, whether it’s a fad, or a dust-collecting knick-knack, or an outfit you’ll never wear, you just want it more than you want your next breath of air.  That’s ok.  A bit disturbing, but ok.  If you are meeting all of your other needs, it’s fine to indulge yourself on occasion.

How do you prioritize spending if you’re thinking about buying something questionable?

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Time Management

Finance, Relationships

Clockwork egg timer.
Image via Wikipedia

My wife told me that I don’t do enough around the house.

She is, of course, correct.

I could make a list of excuses, but none of them matter.   There’s really only one reason: I have problems with time management.   I’m easily distracted.

For example, in the time it’s taken me to write the above three lines, I stopped to check a website, updated my Evernote installation, and added a new contact to my address book.

That’s not multi-tasking, that’s inefficiency.   People don’t actually multi-task.  Instead, they break concentration and completely switch gears.  Repeatedly.   They pretend they are doing a lot of things at once, when in fact they are doing a large series of individual tasks.  That’s serial single-tasking, poorly.

On top of that, I focus to the point of obsession.   The entire world goes away when I am working.

No, that’s not a contradiction.    I’m good at procrastinating and I am interested in everything.   If a random thought floats to the surface while I’m working, I follow it to Google and, if it’s interesting enough, I get lost.   It generally only happens during research or while doing a job I hate.

For those of you following along at home, I can be easily distracted from some tasks, then lock on to some tangent and have an evening disappear.

For some reason, my wife hates that, especially when there are dishes to be done and laundry to be folded.

This has blown up on me a few time.

We’ve come upon a solution, in three parts.

1.  Timer.  When I get on the computer, I set an egg timer for 1 hour.  When the time’s up, I’m done.   The time limit helps me focus on finishing the task at hand.    If I know I need to get a post written in an hour, I’m less likely to catch up on the comics in my news reader.

2.  Communication.   If I’m working on something that I know will take more than an hour, I tell her.   I’ve had to do that for each installment of the Make Extra Money series.

3.  Nagging.   If #1 has failed and #2 doesn’t apply, I’ve given my wife explicit permission to remind me, as often as necessary.  Sometimes, I don’t register everything people say when I am “lost”, so now she knows to keep trying if I don’t respond, or respond with a spaced-out “Uh-huh, yes, dear.”  Before, she was worried about upsetting me by nagging, but I wouldn’t have noticed the first few times.  Thankfully, with #1 and #2, #3 has only been an issue one.

Time limits, communication, and persistent reminders.  That’s my plan to manage my time.   Getting off of the computer has helped me be more useful with household chores and it’s given me a chance to be closer to the woman I love most.   The time-limited focus has even helped me get a couple of projects rolling.

We all have the same 24 hours.  Are you using yours efficiently?

(P.S.  Happy anniversary, honey.   These have been the best years I could ask for.)

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Healthcare.gov: Is this failure a warning of what’s to come?

Politicians

English: President Barack Obama's signature on...
English: President Barack Obama’s signature on the health insurance reform bill at the White House, March 23, 2010. The President signed the bill with 22 different pens. (Photo credit: Wikipedia)

The official launch of online registration for government healthcare has been rife with disastrous glitches from the very beginning. This cataclysmic failure has spurred severe service outages across the country, and this chronically dysfunctional interface serves as foreshadowing for an epidemic of systematic organizational deficiencies. Healthcare.gov is only the first in a series of planned bureaucratic catastrophes.

Luckily, this informative overview exists to demystify the overly complex world of the medical legislation informally known as Obamacare. Being armed with the facts provided below can protect anyone during these times of economic uncertainty in which the destabilizing influence of expensive health treatments can suddenly arise.

The Internet Errors

The requirement of preemptive registration resulted in a complete system crash. The ability to input health data was also starkly limited. Security issues also seemed evident as certificates failed to show updated validations, and there was no indication of where confidential information would be stored.

Lack of Foresight and Oversight

The decision to mandate initial registration was a hastily made last-minute change that failed to consider the magnitude of public interest. This unfortunately coincided with a government shutdown, which left limited federal resources available to respond to claims of malfunctioning servers. The biggest mistake made by the Department of Health and Human Services was underestimating the massive influx of uninsured applicants.

To further complicate woes, a chief contractor behind the layout of healthcare.gov is expected to testify that additional time and money could not have salvaged the doomed enlistment effort. His official testimony will shed light on administrative laziness, and the legislative committee is expected to issue serious reprimands, but nothing will recompense the thousands of individuals deprived access to healthcare registration on the date promised to them years in advance. These problems were completely avoidable, but the team in place refused to promptly pay attention.

Proposed Solutions

The Obama Administration has conveniently remained mum on the topic of minor adjustments to the healthcare law, but Congressional Democrats have proposed implementing small delays to the overall roll-out. The dates for enforcing the individual mandate have become a focal point of discussions to modify Obamacare. Because citizens were not given feasible access to the online enrollment system, it would be unconstitutional to levy fines for their lack of registration.

The Foreboding Warning

If politicians cannot even tackle basic website programming, then they should not be trusted to manage the well-being of millions of Americans. Partisan divisions have made two factions that are fully noncoalescent, which means all future fixes will be the result of an incomplete compromise between two warring parties. Real health concerns have been forgotten by the incessant squabbling of politicians in their ivory towers. This means that every new initiative will only cause further societal strife and struggle. Members of Congress have expanded the breadth of their authority without grasping the technological realm. As a consequence, these politicians will continue overextending the limits of their power, and the public will be left to pick up the pieces.

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