There are many names used these days in order to promote payday loans from payday advances to bad credit cash advances. No matter what name is used, the truth is that these are really advantageous. After all, you are offered the money that you need in order to deal with unexpected money problems in under 24 hours and you can repay the loan safely at the next paycheck, perfectly covering financial gaps that sometimes appear.
Do you ever ask yourself why you’re frugal? Why is it that you think about finance more than the next person?
It’s an interesting question as many people have had to be frugal at one time in their lives then are unable to let go of the frugality even after the absolute necessity has passed.
Every few weeks I’ll lean in to my wife and whisper, “If I were to die tomorrow, I’d be a happy man.” It freaks her the hell out (and rightfully so) but it’s a reminder to her, and more importantly to myself, that as of this day in time I have enough.
I have enough love. I have enough things. And I (almost) have enough money 😉 It’s a pretty powerful thing to realize.
When you truly have enough you no longer spend energy or time chasing stuff in hopes they fulfill you. You still desire things like, say, millions of dollars or a 6 pack of beer/abs, but you know deep down that you don’t *need* any of that to be happy. They’re just “wants.” You’re thankful for what you have and you count your blessings for it – everything else is just gravy.
My friend Donna summed it up perfectly in a past article of hers:
“I have everything I need and some of what I want. How many people get to say that, and to mean it?”
That line has stuck with me for over a year and a half now. How beautiful it is to realize such a thing! How many people do we know who’s genuinely satisfied with their lives and not forever chasing fulfillment? And faux fulfillment at that? She later went on to divulge her income and why she’s now fineliving off $36,000/year instead of $85,000/year, and it’s an interesting read if you ever have a few seconds to check it out.
So how do you become content with a life so financially driven and fast paced? By taking the time to look around and acknowledge what you’re thankful for right now. It’s a lot harder to want more when you realize just how much you already have.
For example, here are the things that first come to mind when I stop and do this exercise myself:
- I have two beautiful boys
- I have (one) beautiful wife
- I have a roof over my head with furniture and internet and electricity to keep me warm
- I have tons of food and running water to keep our bellies full
- I have a job I feel gives me purpose
- I have a nest egg of money that’s (knock on wood) growing
- And I have a beating heart and a pulse
That last one’s pretty important 🙂 But how often do you stop and consider that? How many people do you know who will never get more time here on Earth? If you were to die the second you finished reading this sentence, would you be passing on with a smile on your face?
I don’t mean to get all sentimental up in here, but these are the things we often overlook in the midst of our chaotic lives. We’re constantly chasing that “next thing” whatever it is and rarely take a few moments to soak in everything we’ve accomplished so far. When we hit $1,000 in savings we want to hurry up and get $2,000. When we pay off one credit card we want to hurry up and pay off the second. As soon as we get a promotion at work we want to go for the next one! All noble feats which of course we should always strive for, but we also need to be better about relishing what we have nowand give ourselves pats on the back too.
Here, I’ll give you 15 seconds to pause and think of one beautiful thing in your life right now. Close your eyes if no one’s watching and really concentrate on it. How would you feel if it were gone? How much better is your life with this thing in it?
I sometimes have these moments in life where I’m walking down the street alone and then all of a sudden feel this warmth of pure joy wash over me. As if to remind me to slow down for a hot minute and remember what living’s about. I don’t know where the heck it comes from or why it occurs when it does (it only happens every 3-4 years), but in those flashing seconds I’m the happiest I’ve ever felt. And then wonder if I’m about to be scooped away and lifted into the heavens, haha…
The point of all this, of course, is just to remind you that things aren’t so horrible all the time.We will have our $hitty days and things that’ll happen to us we’ll never quite understand, but we’ll also have a ton of joy and accomplished dreams come our way that we could never have imagined as well. In short, we have to do a better job of being thankful for what we have *in this moment right now* while we still have it ‘cuz Lord knows what our future holds.
So, if you’d allow me, I’d like to carry on my tradition of freaking people out and let you guys know that if this is the last time you ever hear from me on this sexy blog here, know I am one happy (and thankful) mother budgeter. And I couldn’t have asked for a more supportive, and genuinely nice, group of readers. I’ll try and email y’all from heaven.
This article is by staff writer Lisa Aberle.
While it wasn’t a dark and stormy night yet, an ice storm was coming. The last time we’d had an ice storm, we were kidless, and we lost power for five days. The romance of sleeping in front of the fireplace quickly cooled off along with the temperature in the house. If we lost power again, 39 degrees just wasn’t going to be acceptable with two kids.
That’s why my husband took a trip out to the shed to get our generator ready to combat a potential loss of power.
Except he couldn’t find the generator. After a few minutes of brainstorming (Did I put it somewhere else?), he called someone who frequently borrows our stuff.
“Your generator?” said The Borrower, “Yeah, when you were out of the country last year, I let somebody borrow it. I’ll give him a call.”
And then a few minutes later, The Borrower called back. “There is a small problem. He has the generator, and it works. But … he thinks it’s his. So best of luck to ya. ‘Bye.”
So my husband made a second phone call. Sure enough, the other guy thought the generator was his. But the strange thing was that he thought it had been his for years. This is an old friend of our family, so we decided to preserve the relationship and ignore the problem pf the questionable ownership of the generator. The ice storm didn’t materialize that time or any other time during the long winter. Crisis averted, relationship preserved.
But winter’s coming again. “We really need to have a generator before winter hits,” my husband said recently. He priced a new one. A new generator will set us back $700.
Seven hundred dollars. Seven hundred dollars has a way of making me irritated with the whole situation all over again.
There are so many things wrong with the story I have shared. I feel stupid that we haven’t really addressed the issue, perplexed that this happened with someone we’ve known for years, and just plain annoyed that we don’t have a generator. And let’s not forget that we didn’t even lend it to someone in the first place. In fact, the only good thing about it is that it provides me with some blog article content because it inspired a question: Do “nice” people finish last financially?
I am sure if you look back at your life, you can remember scenarios in which you spent money when you didn’t want to, or you gave money when you didn’t want to or couldn’t afford to, or you bought some Tupperware at a friend’s home party because you wanted to be nice.
My hand is raised.
When you’re too nice
I’m a recovering nice person. I actually try not to use “nice” when addressing any behaviors of my children. I don’t say, “Be nice to others” because it reminds me of a doormat who has issues with boundaries and other things. When you’re too nice, you may spend money you don’t have to help someone who may not even need your help. Instead, my word of choice is “kind” or “kindness.”
Differentiating between the two words has made a huge difference to me.
See, before, I wanted to help people. Maybe I tried to help them by giving them money, or buying something for them, or buying something from one of the home parties I hosted. Many times I spent more than I should have. And when I did that, I sometimes felt stressed. And when I felt stressed, I became resentful of the person I had wanted to help in the beginning. Doesn’t that sound messed up?
Can you be generous without being nice?
I still want to help people. But now I help them without any feelings of resentment (unless someone gives away our generator … sigh).
1. The first step is the most important. You must realize that you can make a huge difference by staying within your budget so you can give more to the things you really want to support. Does it really help someone if you buy a Pampered Chef gadget that you really didn’t want so they could get $5 more in free products to pick out? But if you don’t buy the $40 gadget, you’ll still have $40 instead of spending $40 on something you didn’t really want or need in the first place.
2. For myself, I keep running lists of things that I want. Maybe it’s a magazine subscription. When a niece or nephew send me information on a school fundraiser that includes magazines, I look at my list. If there is a magazine I want, I will order. If not, the information goes into the trash. Same with invites to home parties like Tupperware or Pampered Chef. If I haven’t been wanting to buy something, I just don’t go at all. I don’t feel a bit guilty or resentful.
3. I have found that consistent support of a handful of charities has been helpful. I know that if I spend budget dollars in other places, I won’t have enough to support the causes that I am really interested to support. That helps keep my focus on what’s really important to me.
4. Just say “no.” As I get older, I appreciate openness and honesty more than ever. My friends and family still love me, even when I say no to certain things that I don’t feel align with my spending values.
Be generous; just don’t be nice
I believe that being generous is important. I have experienced the generosity and kindness of others more times than I can count. So be generous!
But be generous because you want to be, not because you feel you have to be. If you feel resentful of someone else for something you chose to do, you probably are being too nice. And that should inspire you to look at yourself honestly and ask what needs to change.
When your home is a cluttered wreck, it can be hard to summon the motivation to tackle the chores you’ve been putting off and to toss or organize your scattered possessions. To make matters worse, you’re crunched for time and it’s tough to get anything done around the house, no matter how hard you try.
I never seem to have enough time, so I completely understand your frustration. But sooner or later — maybe after you trip on an errant toy or lose an important file — you’ll hit your breaking point. When you’ve had enough, it’s time to do something about it.
A possible solution: Find a sitter, cancel your plans for the weekend, and get to work. I gave it a shot and I was rather pleased with the results. Here are some tips to help you clear the haze.
1. Work Strategically
If you finally muster up the courage to get your home in order, avoid stepping foot into the front door and tackling the first project you can get your hands on. This is a recipe for disaster, and you’ll be tempted to throw in the towel shortly after you’ve started.
Instead, take a moment to map out a plan of action. Here’s a sample schedule for a three-bedroom, two-bathroom home:
- Friday evening: living room, kitchen, hall closet (if applicable)
- Saturday: bedrooms No. 1 and No. 2 (including closets), guest bathroom
- Sunday: master bedroom (including closet), master bathroom
Once you’ve figured out which areas of the house you plan to work on each day, take things a step further by including actual objectives, or detailed notes of what needs to be done in each area and how you will accomplish the particular tasks. For example, if you plan to start in the kitchen, your list may look like this:
- Discard expired items from the pantry and neatly organize what remains on the shelves
- Empty out the kitchen cabinets and only place the items of value back inside
- Clear off the countertops
- Sanitize the appliances (interior and exterior) and other surfaces in the kitchen
- Mop and shine the floors
2. Purge Away
I hate to break it to you, but unless you have a magical, infinite attic, you’ll need to throw some things away to get rid of the clutter inside your home — even some things that are near and dear to your heart. It’s hard to do, even with items that have no sentimental value — no one wants to discard something they spent hard-earned money on.
But you have gather yourself (and your emotions) to give the situation some thought. How serious are you about tidying things up, and how did your home get this way in the first place? The answer might be rather simple: There are too many items and not enough space.
At least, that was my problem. I used to commit several hours a week to cleaning, only to encounter mess after mess a few days later. And then it hit me: The execution of chores wasn’t the problem, the clutter was.
Fed up with the constant messes in the home no matter how often we cleaned, we decided to embark on a “purging journey” and it was more difficult than we initially envisioned. While I’m definitely not a hoarder, I found myself getting agitated over the volume of items we needed to purge to clear up space.
Quite frankly, I’d forgotten for quite some time that they even existed, but I wasn’t ready to part ways with them. And for some strange reason, I feared I would suddenly find a need for them shortly after they were gone. Nevertheless, I stayed on pace and even sold a few things to ease the separation anxiety.
Wondering how to determine which items you should part ways with? Ask yourself these questions to make the call:
- Have you used the item in the past year?
- If so, will you have a need for it in the near future?
- If not, will you ever use it?
- Does it possess some sort of sentimental value?
- Will you lose sleep at night once it’s gone?
If the answer is no, toss it, sell it, or donate it. If you purge enough stuff, you can hold a yard sale the following weekend. The extra cash will ease the sting of tossing so much stuff.
3. Neatly Organize Everything Else
Done purging? Now it’s time for the (not-so) fun part: organizing what remains. But this time around, you won’t be spending loads of cash on plastic storage containers and stylish space maker tools. Instead, you’ll be working with what you already have lying around the house. Here are a few options:
After years of spending countless hours searching for important items, such as keys cell phones and wallets, that seemed to vanish into a dark hole each night, I’d had enough. The only solution was labeled baskets, which we still find quite useful. They also make great organizers for toiletries under bathroom cabinets; I know I’m not the only one who’s spent more than a couple of seconds searching for a particular fragrance, shampoo, or lotion.
These are perfect for those drawers full of miscellaneous items or kitchen utensils. If you don’t have any dividers on hand, you can easily make your own using pieces of a cardboard box.
Planning to store some items on the closet shelves? Shoeboxes, both cardboard and plastic, work like a charm, especially for accessories if you don’t have a jewelry box on hand. I also use them for arts and crafts supplies that my children use throughout the week for school projects and homework.
I’m an avid reader, so the bookshelf in the office definitely serves its purpose. But I also use it to store my children’s electronics and trophies that won’t fit into their bedroom. And occasionally, a few of my project files find their way on the middle shelf for easier access.
Unfortunately, there may be a few (or many) useful items that remain with nowhere to go. Instead of spending time agonizing over their final resting place, find an empty, discrete area to store them until a later date.
4. Don’t Forget the Chores
After all the rearranging and foot traffic throughout the home, some tidying up will be necessary (or you could do it as you complete each room).
In my home, the living room floor is usually the first area to suffer because of all the foot traffic it gets each day. And it doesn’t help that we spend a bulk of our time as a family in the space. To properly clean the wood, I use a special solution that leaves the floor shining and looking brand new. But if I only clean the floor and ignore the other messes, something definitely looks a little off.
So, I always make sure to place the children’s toys (and whatever else they’ve managed to bring into the living room) back where they belong, dust the television stand, clean the baseboards, and vacuum the furniture padding to give the space a finished look.
And I can’t forget about my children’s bedroom. They enjoy spending time together playing with their toys, which makes mommy happy, so I try my best to keep up the space as best as I can. But there have been several occasions where I spent hours cleaning, organizing, and purging excess items, only to end up burying my face in my hand shortly afterward.
You see, my children get a kick out of making huge messes. For starters, they take all of the toy bins, neatly aligned against the bedroom and closet wall, and dump them out. Then they proceed to empty out the drawers underneath the bed, and finish up by digging through their dresser like madmen in search of last year’s Halloween costumes so they can pretend to be superheroes. And all of this is clearly audible from my bedroom.
What’s even funnier is that when I ask them to clean up their mess, it becomes clear that our perspectives on cleaning vary drastically. They think shoving everything that’s out of place into the closet and forcing the door shut is a job well done, but I beg to differ. I guess it’s the effort that counts; after all, they’re only 7 and 3 years old. So, imagine what would happen if I used their system for organizing things to keep the room intact!
5. Recruit Family and Friends
Do you have supportive friends or family nearby? Call them up, mention your plans, and ask if they’d be willing to assist. Even if it’s in the form of entertaining the kids for a few hours, which you’ll need if you have little ones, a little help can go a long way.
Since I have a slight obsession with keeping things organized around the house (when time permits), it’s not unusual for a family member or friend to give me a call and request input on how they should arrange things in their home. And in some cases, they throw in the towel and request that I come over, take a look, and help them get started. Either way, they accomplish the task at hand more quickly and are always willing to lend a helping hand in return if I need assistance.
Another tip: If a group of you will be hard at work for an entire day or weekend, why not add a little fun to the mix by blasting your favorite tunes and ordering pizza and drinks to complete the party?
6. Consistency is Key
Have you finally crossed off all the items on your to-do list? Take a second to pat yourself on the back, and then think of all the ways you can keep things organized moving forward. You now have a clean slate to start from, and you want to keep it that way. Here are a few tips:
Offer Yourself Incentives
On occasion, we all need a little push to get us motivated to complete a task. Clearing clutter shouldn’t be an exception to the rule. Anytime I’m in need of a little pick-me-up to get moving, I resort to edible incentives, such as a night out for dinner at my favorite restaurant, as a source of motivation.
Revisit Problematic Areas at Least Once Per Week
Some areas are more prone to getting cluttered than others. In my home, the office is a problem; with projects come paper, most of which ends up in the strangest places after a few weeks have passed. Keep on top of these problem areas so they don’t become insurmountable.
Minimize Paper Documents
To prevent the problem mentioned above, I try to work with electronic documents or spiral notebooks as often as possible. Mail also has the potential to be problematic in our household, so I promptly shred any items we don’t need.
Another issue: documents from school. Between both children, the correspondence quickly begins to add up and get lost in a pile if we don’t make note of what is being communicated as soon as the documents arrive.
If you don’t need it, don’t buy it (at least until you learn to keep the messes to a minimum). And if you think you need it, take a moment to assess its functionality and whether it will best suit your needs.
During the period in my life where I was extremely irresponsible with my finances, any item in a store that tickled my fancy came home, whether I purchased it with cash or credit. At the time, I was living in an extremely tiny apartment with limited closet space, so the more I purchased, the more crowded things were. At one point, there were piles of clothes with tags on the closet floor because I had nowhere else for them to go. Long story short, I didn’t necessarily need any of these things, and what a headache it was to clear the clutter once I finally realized I had let my spending habits get out of control.
Routine Purging Sessions
As time progresses and you notice some items are still kicking around even though they no longer serve a purpose, sell, donate, recycle, or dispose of them promptly. This should be done on a monthly basis to prevent clutter from resurfacing.
Instead of doing it in a single day, I allocate one day per room. When I consistently follow that pattern, the purging sessions usually don’t take more than 30 minutes, and I feel a lot better knowing that I was able to be proactive by keeping the home clean.
And remember, a few problematic areas may still exist after your weekend cleaning session. But you took initiative to get a handle on the problem and reclaim your home, and that’s what counts.