10 March 2011, by A. Cedilla
“You just gave advice on how save money and now this?”
Well, with every important choice we deal with in life there are always flip-sides to consider. If someone gives you advice that doesn’t jive with you, you don’t have to take it as is. Or reject it outright, either.
Consider pulling a 180 and look at it the other way.
Or take a few steps off to the side, say, like a 90-degree shift. That way, through some cock-eyed mental contortions and inner re-shuffling, you can get a good look from different sides of the equation, and somehow get a better, more rounded view of the entire situation than if you were firmly stuck on just one side of the discussion.
See, there are just some things more important than strict adhesion to a budget. A budget is a plan, a map. It is not the terrain. You stick to the plan without adjusting for real-life circumstance — a busted water-pipe, an emergency root-canal, an utterly unexpected opportunity to see your favorite band — you’re holding “The Budget” as paramount, and forgetting the purpose for which it was drawn up for — which is to use your money to serve you.
Continue reading Spend Money, Save Time
28 February 2011, by A. Cedilla
It’s very easy to take advantage of all the many conveniences that modern technology and services offer. Drive-through’s and delivery services, fast food, concierge services, convenience stores, on-line banking and shopping …you don’t even have to leave your house. And if you’re going on vacation, you can even get house-sitting services, and pet-sitters for your fanged, feathered or furry darlings.
Now, if you’re the type who thinks nothing of using services like these because you’re on a level of financial security where you can afford not to think about it, that’s cool.
But if you’re burdened by a nagging feeling that you’re working to pay for the life you have yet to live — being so busy working you have no time to spare to enjoy the life you’re working for — then you need to take some time to think about what you’re doing.
A few hours of study and preparation can save you money, time and stressing out.
It’s in the research and preparation. Old sayings bear this out: “A stitch in time saves nine,” and “For want of a nail, the kingdom was lost,” or the more modern “Prior preparation prevents piss-poor performance.”
In other words, thinking things through works. Paying attention pays off.
Continue reading Save Money, Spend Time