7 Personal Finance Lessons from Unexpected Sources

Taxes.

That’s what is happening after this post is done (or at least enough of the process to file an extension).

Therefore, this may be my longest post ever (just kidding).

One of Kat Bouska’s prompts this week is “List 7 things you would recommend to a friend this month.” Because finances and taxes are so heavy on my mind, here are seven interesting things I’ve read, seen or discussed recently ….. and a personal finance tie-in for each.

Goats Stranded on a Bridge

Two goats in Pennsylvania wandered out onto a bridge overpass and got stuck. The Pennsylvania Department of Transportation came to their rescue, using a snooper crane to position an employee so he could grab one goat, then coax the other one to safety by tapping (it probably wasn’t exactly a “tap” I guess) on the rim of the overpass.

Photo credit: Pennsylvania Department of Transportation Facebook Page

Tie-in

“They deftly walked along the beam with their very small feet,” the article says. Once they were out there, though, they encountered an obstacle and couldn’t complete the crossing. Sometimes we get ourselves into financial positions that we did not anticipate at first. 

Nugget McFluffyhead

Nugget the lamb is one of three lambs born to a Maine lamb. Nugget’s mom, however, rejected Nugget, whose two siblings were more aggressive and monopolized her two teats. That’s what led Greg Purinton-Brown and his wife Heide to decide to hand raise Nugget.

Personal Finance Lessons

Photo Credit: Toddy Pond Farm Instagram

Tie-in

“A ewe only has two teats, and the other triplets were getting there first,” the article says. As much as we would it to be the case, there’s never enough money or time to do it all; failing to speak up or assert yourself for your share may threaten your survival.

The Penzeys American Heart and Soul Box

Penzey’s Spices is giving away their eight-blend American Heart and Soul Box (a $34.95 value) for free. All customers have to do is pay shipping ($7.95)!

Personal Finance Lessons

Photo Credit: Penzeys.com

Tie-in

Penzey’s put together this box to highlight the soul that cooks of all different origins bring to our nation, calling some of the blends, “testaments to the ever-renewing role immigration continues to play in seasoning the American spirit.” Penzey’s also says one way we can help our nation be more unified is to cook. That’s it, to cook. It turns out cooking at home is good for the budget too. Save money by cooking at home.

Cosmo Loves Thumper

My friend and coach, Kristie, welcomed Thumper the bunny into her home. Cosmo the golden retriever turned out to be the most protective, loving, nurturing BunnyDad (BunnyBrother?) ever.

Personal Finance Lessons

Tie-in

Sometimes it’s worth taking a chance to love someone new, two-legged or four. In personal finance, too, there are times that make taking a chance worthwhile. Volunteering can turn into compensated work. Making the effort to share your work can get your name and brand more recognition. You might also help someone, which feels good in itself. 

Bless the Seeds Before They’re in the Ground

The La Semilla Food Center celebrated its 5-year-anniversary with a seed blessing. The non-profit says on its website that it is “dedicated to fostering a healthy, self-reliant, fair, and sustainable food system in the Paso del Norte region of Southern New Mexico and El Paso, Texas.”

They also have a cool/humorous sign:

Personal Finance Lessons

Source: La Semilla Instagram

Tie-in

I am taken with the idea of infusing the seeds at the earliest stage possible, before they have turned into a full-grown plant or yielded any fruit. I know this may sound like an exaggeration, but when I do social media for clients, I do see every tweet or other piece of social media posted as a sort of ministry (and I don’t mean that in a necessarily spiritual way). I can’t say this has panned out for me (yet), but be intentional and passionate about every stage of your work and it is more likely to pay off than if it is viewed as “just another job to do.”

Write Down Your Goals

I was the lone voice in the wilderness in support of this statement (on Facebook) this past week among people I value and respect deeply.

Personal Finance Lessons

NOTE: I added the “unknown” (because I don’t know who said it) and “unwanted” (because no one in the thread wanted this quote).

Here’s the thing — and maybe I made a HUGE assumption that because I have clung to the sentiment behind a quote like this (Brian Tracy’s “3% of people have written goals and the other 97% work for them) as one of my main life mantras for so long, then they should (or would) feel as attached as I do. AU CONTRAIRE.

To be clear, my love of the Tracy quote isn’t about wanting to be in charge of legions of people (my time doing that at Healthy Kids left me with lessons learned that will make me a different supervisor in the future). It’s purely about the fact that written goals are more likely to be attained than unwritten ones. Period.

Tie-in

When it comes to your finances, write down your goals. They’re more likely to be achieved that way. 

Get Naked

Oh wait ……… not THAT kind of naked. Naked with your partner about money.

As my husband and I try to resolve some issues we created for ourselves (that were somewhat exacerbated by my working part-time while my father-in-law was with us for three years), I think often of how the path that got us here hinges on our failure to have some basic discussions about finances and values early on.

Why Couples Need to Get Financially Naked recommends these types of questions early in a relationship:

  • What are the three most important money lessons you learned growing up?
  • What are your three biggest money worries?
  • What are your three biggest goals?
  • What are the three most important ways you want to use money to leave a legacy?

Tie-in

Being on the same page as a couple helps alleviate stress (because financial conflict will always be a part of any relationship).

Personal Finance Lessons

Personal Finance Lessons

 

 

 

 

 

Wife of one, Mom of two, Friend of many.

“Pronouns Matter” and Other Favorite Quotes

Since I was undecided regarding what to blog about today, I checked my “drafts” folder and decided to tackle one of the 23 “posts-to-be” that had never seen the light of day. The oldest one is the list of Mama Kat prompts for the week of April 11, 2013. One of the prompts is “list 6 of your favorite quotes.” Seems like a timeless one to me, so here goes.

 Six Favorite Quotes

Pronouns Matter. ~ Me

I have been a user of the #bringbackourgirls hashtag, signifying my strong belief that the kidnapped Nigerian schoolgirls should be returned immediately to their families. What I am having trouble reconciling, though, is the thought in my head that if the reaction (of some) to the current influx of Central American children across our borders were to have its own hashtag, it would be #sendbacktheirgirls. I know these are two very different situations. Each one is complex and presents components that are extremely difficult for outside governments to intervene in. As I said in Cindy Levin’s post:

“Although I like the hashtag #bringbackourgirls (and use it daily), I have to honestly ask if we would consider these girls “our” girls when it was the basic matter of helping them get access to education (and health care, and parity, among other things) were it not for this crisis? We can all do better, not just when there is an immediate crisis but when there is a long term smoldering one as well. And for every girl, everywhere.” 

It seems that with these Central American children we have found ourselves dealing with the effects of a long term smoldering crisis. I suspect part of the difference is that the Nigerian girls are an ocean away and the Central American girls (and boys…) are on our territory. I just don’t understand how the Nigerian girls can be “ours” while the Central American girls are “theirs.”

2014-07-02 09.44.19

A day I ran for “Saraya,” one of the kidnapped Nigerian schoolgirls.

“First say to yourself what you would be; and then do what you have to do.” ~ Epictetus

So many inspiring quotes flow through my social media stream every day. Many of them give me a momentary spark of “yeah!” “so true!” “you only get one shot!” I have struggled, however, with the truth of those sentiments in the face of the reality of my obligations and choices I made decades ago which made it harder to truly “follow my bliss.” I guess the part of this that sticks the most is “say to yourself what you would be.” Without clarity about the eventual goal (what you would be), it’s possible you’ll waste a lot of time along the way expending your energies for things that don’t matter.

Only 3% of people have written goals; the other 97% work for them (paraphrase) ~ Brian Tracy

Hmm…. the value of including this favorite quote was being honest with myself about the fact that I have not listed my goals for this year. Problem solved. The “sub 30 5K” goal is a perennial. I am not giving up.

2014 goals

2014 Goals

The map is not the territory. ~ Alfred Korzybski

I love this one, and it is in the same family of concepts (to me) as the Epictetus quote. This quote seemed relevant to my work as an administrator at a program subject to many different agency rule sets, some state, some federal. You may have a single-spaced 40-page technical guidance document holding you to what font size to use, what match rate to apply, what literacy level to write your materials to, but are you doing the task you set out to do? (which in our case was insuring uninsured children). It also applies in a more broad context to life; are we so busy ticking off mile markers that we don’t realize that the town we originally set out to visit is now deserted?

Let the beauty of what you love be what you do. ~ Rumi

A wise therapist gave me an assignment once to “check out whatever instantly appeals to you at the library and go away for a weekend and immerse yourself.” The only books I remember checking out were a childbirth book and a family relationships book. I wonder what I would check out on a similar assignment now, decades later. I know I love social media, and I know people I trust in the industry have advised me not to do it for a living. The appeal of social media (and the beauty of it) is the ability to write and communicate visually, along with “connecting the dots” of people who would not otherwise come into each others’ lives.

“Every problem has a solution.”

This quote is from the movie Philadelphia. Besides the obvious truth of the quote (even though solutions often seem elusive), the movie holds special meaning for me. Wayne and I saw it shortly after his sister Ann died, and it seemed to tap into some deep emotional crevasse that had already been pried open.

Ultimately, “every problem has a solution” ties into my #1 (“pronouns matter”). Some problems in our world seem to only have solutions riddle with imperfections that take those solutions out of contention. I think, however, we must not give up trying, for “our” girls, “their” girls …. for all girls.

What is one of your favorite quotes?

 

Wife of one, Mom of two, Friend of many.