A couple of months ago, I signed up for an online course specifically geared to growing this blog. I have been a long time reader and consider Sarah Morgan from XOSarahMorgan as my guru. She is a driven woman teaching others to take on the blogshere one kick-ass step at a time.
Ultimately, the changes will be subtle, lasting and consistent. I will be posting once a week on Tuesday’s. Boosting social media content for this blog as well as producing a bi-monthly email out to my subscribers. There will be a Facebook group down the road for Dragonfly Keep as well. (hit subscribe and be the first to know).
Here is where I need your help dear readers. I need to know what content drives you, encourages you and gives you valuable information you can use. I encourage you to reach out to me through comments and let me know what you would like to see more of. I can plan out a great list of content but if it has no value to you, then it is all for naught.
I look forward to growing and learning with all of you in 2018!
You’d think I would be writing a Halloween post…nah. In all things Celtic, this is new year’s eve. Added bonus…candy! For the past two years I have used All Hallows Eve for my goal review. I can get all sorts of reflective with a cup of coco and a comfy chair. What did I accomplish? What do I want to accomplish? What new habits did I form? What held me back? Did my old bad habits hold me back?
I have utilized a book by Lisa Jacobs (she is an online marketing guru) called Your Best Year. I recently purchased her 2018 which you can pick up through Amazon. It covers all the things. As described on the back cover it is a “productivity workbook and online business planner designed to make your most ambitious goals come true.”
I am excited to move onward and learn. I have the plans man but I need some help. With the combination of this book and another online course I am taking, I am going to be unstoppable. Can you feel the excitement? I am ready to take the next step and the scares me just as much as it excites my very core.
I am totally on my way dear friends!
Photo courtesy of Kaboompics
I have begun to believe that my blog has become stale, predictable and maybe for a few, not relatable. I haven’t felt the excitement to write. Ideas (or aka The Muse) seems to be taking a smoke break. It’s my job to inspire, reach your core and (if successful) make you laugh. Am I doing that with my money inspired posts?
Going through the Kon Mari Method recently has really “sparked” a need to purge all the areas of my life. This month, I was going to write about my Spending Freeze but I just wasn’t in the mood to go through it again. I mean, I have no problem re-hashing ideas – improve upon them, switch things up a bit. Realistically, this blog is not a frugal, money saving fest for the masses. It’s about a petite, quirky redhead who struggles to keep up with all the hares of the world while living a turtle pace life. (run on sentence much?).
I have already confessed to you in the blog about my addiction to money (yes, there is a program for that) so I have decided that this is my last in Money Monday posts. It’s time to turn over a new leaf, umm, turn a page, ahhhh hell – just move on!
Do not hesitate in the moving forward business – opportunities will pass your a$$ up!
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
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*
Today, it’s all about me. Um, wait, this already about me. Ha! I wanted to show you a new page that has been added to Dragonfly Keep website. Years ago, I opened a virtual shop on Etsy called JJDouglasPaperCo. What started out as a site for handmade envelopes has morphed into a shop that carries all sorts of paper products and handmade goods.
You can access the new page here or click here for my Etsy shop it’s self.
Happy Shopping 🙂
Mission Status: Observation of Suspects Behavioral Attitudes in Spending
The gathered intelligence was that the Suspect would be participating in a No Spend Month in March. The suspect abruptly changed positions and that status abruptly changed. Through information from a Confidential Informant, we have ascertained that the Suspect is laying low. From what we obtained, is watching her money rather closely. In the photographic evidence below we know for certain there has been a lull in our Suspects spending habits.
The evidence suggests that the Suspect is connecting her emotional status to how she spends. We witnessed the Suspect at two major big-box stores but arrived to home base with no new purchases.
We will continue surveillance at this time.
Light Green = No Money Spent; Pink = $ spent of food not made at home; Orange = $ spent while tired/in pain; Red = Impulse Purchase not on the 30 day wait list; Purple = all out shopapolooza
Image by Roundicons, text by picmonkey
I wanted to share a few sources for cash envelopes with you all. The most super easy way is to go to the local dollar store, buy a box of small envelopes, grab a pen, purchase, go home, write on envelopes and stuff with the cash. Done.
Buh….I’m a paperaddict…some of us might want to use stickers, washi and different colored pens…oh my. Truth is, as with most things in life. you can make this system as simple or as complicated as you want. Below are some of my favorite sources for setting up a cash envelope system. From basic blank envelopes to an app created by Dave Ramsey’s group. Click those links people!
For those who like to make your own, I used this tutorial to make tabs for my wallet – I laminated mine and used basic craft paper.
Or if you are very crafty & own a sticker maker, this is an awesome tutorial (and when you make your set, I’d like one to please!)
Lastly, for those who just don’t do paper and need an app for that, there is EveryDollar from the Dave Ramsey peeps!
For me, I’m sticking with the tabs and savings account. It’s how I roll.
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?
Talk about a Mission Impossible!
Yours truly is going cash only in 2017. There are myriad of reasons why but mostly I want to have a better understanding of managing my money, create a safety net for myself and learn to have an understanding of my wants and needs.
I spent some quality time over the last few months reviewing my spending, writing down every penny in and every penny out. This month I will be tackling the review of the last two months spending. This will allow me to know how much is spent on impulse purchases, how much is needed for gas and setting up electronic payments so I can back off from debit card spending.
This years monthly finance posts will be all about my journey to financial freedom. Mission Plans are not top secret here. Those will be revealed next month…so stay tuned!