Last month’s Money Challenge was all about the online spending…I actually did better than I thought I would. Out of thirty days, I made only seven online purchases. This is amazing to me! Progress people, progress.
Ok, so now I am going to turn it up a notch and for May…it’s all about the cash! Oy! With the exception, of course, for all the automatic payments for set bills – it’s all going to be about the cash. I need to reload my Starbucks card – you better have a ten dollar bill handy girl. You want to go to craft store, you better bring your cash envelope.
I am sure you have totally noticed by now that I am not just going cold turkey and being all cash all the time. It’s because I have to re-wire my brain and learn to do things differently. You know the story, do the same thing over & over again and get the same results. Also, I want to break my dependency on using my debit card for everything. My current mindset is – “oh, I has money in the bank, I can buy this”. Umm, that would be a negative Lissy. I did pre-plan my May Cash Flow to have cash available for items I have noticed are reoccurring each month. That would be for things like take out and crafty supplies.
I am very nervous about this challenge…I’ll update you in June
So, after thousands of dollars and a horrid night’s sleep for a home health test, the results are in. Yours truly has no significant result’s pointing to any kind of apnea. I was off the charts – in the negative sense. I do however have insomnia. Srsly? I could have told them that. My GP would like me to see a psychiatrist – ha ha ha no. I am booking an appointment my naturopath lady!
In other health related news, I lost two pounds! Recently, Mrs. Monkey and I were talking about being hyper vigilant. It’s my term for being crazy focused on a fixed item. I started with doing the Low Carb and just felt lost. I switched it up recently and it paid off.
I am now making sure I reach a daily goal of walking at a minimum of five thousand steps. With that, I cut my calorie intake, portion control, drank a boatload of water and tracked the heck out of it all. Luckily, the peeps at Fitbit make it all possible with their app.
I would have been beyond ecstatic if I had lost just a half of a pound, but two! Amazeballs!
We have been tracking the Suspects spending habits for the month of March. the criteria for this surveillance was as follows; what days were no spend days, what days did the suspect purchase food outside the grocery budget, what days did the suspect purchase items while tired and hurting; what days were items purchased strictly in impulse and what days were spent on Retail Therapy (suspect was in an angry mood).
Over the course of a thirty-one day period, we established that 12 days were spent on a “No Spend”, 9 days on food, 7 on tired/hurting, 4 days on impulse and 1 on an all out shoppalooza.
We will continue this type of surveillance for an additional sixty days to establish if the suspect has a pattern of spending during chronic illness flares, full moon madness or such. Also, we have heard from the C.I. on this case that the suspect will be challenged with a “No Spend Online” in April.
*this type of post is a direct result of me watching too much NCIS on Netflix*
Ok, here’s a bit of a refresher for you. In part one, we learned what an Urgent task was right? Then we learned to figure out what an Important task was…right? If not, feel free to update yourselves. I’ll wait.
This month is all about what I have labeled “Note to Self”. In the Eisenhower Method, this would be labeled “Delegate”. Since I have yet to find minions, delegating is not really something I get to do. So instead, I use this as a reminder for myself. It’s where reminders go until I have enough gumption to get them taken care of.
For example, monthly filing of paperwork. In my daily life, filing is the least of my worries. It only becomes Urgent or Important when I need to file taxes (which is always the weekend prior to the deadline). Once again, it is up to the individual to determine what category your tasks fall into. Be real with yourself. If you are three months behind on tallying your business expenses, that goes into Urgent. Making a dentist appointment for a cleaning – note to self. A good measuring stick for this category would be, things that need to be done within the week or month.
Next month, we will go over that last category in this modified crazy version of the Eisenhower Method for Chronics with “Someday”. Plus, there will be two surprises for you after all this work you have been doing. Yassss!
Spring! I really love this time of year in Arizona (but lately, Ugh! Hot!). The night-blooming jasmine and orange blossoms fill the air and I just love it. Spring and Fall are when I work on my outdoor projects because in the Summer, it’s not going to happen.
I prepped for my patio project, had my list ready and my trash bag all set. Then the unthinkable happened…it rained…for three days. My plans thwarted, again. This time by weather and not my body.
So there’s no before or after highly stylized set photos of my patio to share with you. I just want to put out there though, I do have a balcony that could use a makeover. HGTV is welcome to come on over and fix that. Just sayin’.
Created by Mrsiraphol – Freepik.com
Last year I took on this challenge and failed miserably. I can honestly say that I don’t think I made it eight hours.
So why do it again? Because I can. At 6:30pm today I will be handing over My Precious into the capable hands of Mother Superior and will be begging on my hands and knees for it back at 6:30pm Saturday. TWENTY-FOUR hours!
I will be occupying my time doing things I should be doing all along…reading a good book, painting, crafting, plannernating (that’s a word for the creative planning) and maybe a nap…or two.
You still have time to join.
And if I make it the whole day…I’M BUYING A PLANNER!
Webster’s Dictionary defines Important as marked by or indicative of significant worth. In last month’s series we spoke about urgent tasks and now here comes important. Last month I talked about Urgent tasks, and those are the “put out the damn fire” task items. Important tasks for me are those pesky “I gotta do this” to do’s.
For instance, I have four phone calls to make this week. I would add them to my planner but with no red star to signify urgency. Don’t get me wrong here, these are items that have to be completed this week. If I find that I’m simply procrastinating, I can quickly turn these over to the Urgent side with simple red star.
Again, I have to say that determining what is urgent and important will be up to you and your needs. This exercise is individual driven but I think it lightens the load a little when you seem to have days when you have a flare and you can pop open the planner to see if there is anything requires your attention.
This has become a huge help to me as many of my plans often go astray. I just want to be able to know that before I crash out on my lovely bed, I’ve taken care of what needs to be done.
What do you consider Urgent versus Important? Share your thoughts in the comments below
The first month of being cash only has come to an end and all I have to say is…can I get a do-over?
There is still a lot of growing pains with this new habit. What I did observe was my impulse purchasing went down. I tended to stay away from my usual websites by keeping a list of “wants” and talking myself out of items. I was very vigilant in writing down every penny in and every penny out.
The hurdle I still face is with the Sink Funds & Cash envelopes. I did have the cash I needed, when I needed it, for the windshield wipers. However, some of that leftovers in that category went towards a trip to Hobby Lobby as well. Meh.
So what to do!? Frist, I am going to factor in an envelope category for “Mad Money”. This is the funds left over each pay period that will go towards this and when that is gone, it’s gone. So if the left overs are $10 or $50, that is what I get to spend. It may not be the best idea I have ever come up with but it will a good place to start.
I’m a spender, which is fine. Having a mad money category fulfills my need to spend and still feel good because all my bills are paid, I emergency money and 3% of my paycheck is being saved. So it’s not all a loss!
Also, I wanted to share with you Rachel Cruze – the daughter of Dave Ramsey. She has her own book out and a great YouTube channel as well. These little segments have been a great help for me – check her out here.
Any suggestions dear readers?
Seriously, she does. My pampered pouch enjoys a rather gluten-free, non-gmo eating life. Even her treats are natural! Her hooman on the other hand is the fast-food queen of Central Arizona. Why is this big huge disparity? Well, she has no thumbs and is handed a bowl of food and told to eat!
I know a lot of issues with health today are linked to what foods you eat (whether you believe this or not, I’m not open for a debate). This said, I’ve got to develop an “Eat Right or Die” attitude towards what I put in my body. My research assistant Mrs. mOnkey, has introduced me to a ketogenic lifestyle. From what she has shared with me and my own research, ketogenics has been known to help those with fibromyalgia and aid in the healing of the numerous side effects our diagnosis comes with. It’s similar to Atkins with the low-carb, high fat food choices.
There is just one major issue…I have to cook…like food and eat veggietables. Ugh. Notice I didn’t call it a diet. Diet is a restrictive word that immediately puts my brain on high alert to seek out all the chocolate in the house…we don’t want that now do we? Instead, it will be a lifestyle choice. I will choose to eat crudité for snacks sans the ranch dressing dip. I will endeavor to broaden my cooking skills by cooking a keto-friendly meal for me and my family. I will buy grass-fed cow butter and pick fresh, real food over greasy carb loaded curly fries.
Something has to change and sadly, I see, it is me. Why did I have to pick “focus” for my word of the year!?