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.

Coffee Grounds, Goats, and Soap (A #LiveUnlimited Post)

What does “living unlimited” mean to you?

When the Muscular Dystrophy Association began its 2016 summer campaign, #LiveUnlimited, I shared this picture on social media (which generated $1 from a generous sponsor).

What Does it Mean to #LiveUnlimited?

loved the ziplining experience at North Georgia Canopy Tours. There was a moment during one of the longer zips that felt spiritual. I was suspended high above a gorge, zipping along rapidly, all thoughts of mundane worries as well as life’s bigger problems stripped away as I flew.

Living Unlimited Is Conceived in Smaller Moments

I have become acquainted with Linda Freeman through my work at Weaving Influence. Every week, I help share her blog posts on social media. With every post (as well as our phone conversations and emails), I see her take something common as a starting point and nurture it into something BIG. Here are three examples:

Goats

Linda is incorporating goats into her work with the Kratie Province in Cambodia in several ways. She and her team are working to start a Goat Bank. Selected province families will receive goats to use for milk, and as the goats reproduce, they will donate a kid back to the bank to perpetuate the availability of goats for their fellow province residents. It’s not just the goat bank, though. There is the possibility of a biogas digester using goat and human waste, as well as lots of goat milk to be made into organic body products.

Leftover Coffee Grounds 

Did you know you can incorporate leftover coffee grounds into facial scrubs? I didn’t either until Linda and her KidPower Organics line started including them in their Vanilla Latte Coffee Scrub. (Linda has also shown the Kratie Province residents how to utilize used coffee grounds to help plants grow.)

Clean Water and Two Hands

According to the CDC, handwashing with soap could protect about 1 out of every 3 young children who get sick with diarrhea and almost 1 out of 5 young children with respiratory infections like pneumonia. Linda provides more details about why it works in  this post. With her KidPower Handwashing Project, she explains how ambassadors will be appointed and trained from within the community. They will receive small stipends via the sales of Kid Power Organics as well as private donations to Cambodian Care.

Goats, coffee grounds, water. So simple, yet with such profound potential. These are three of Linda’s team’s projects, but the list is lengthy. There are

  • KidPower2015 with its bicycle generators and impact on families affected by incarceration through Children of Inmates
  • The NeighborhoodHELP program with its medical outreach in underserved communities which brings the household-based framework to life
  • The Future Ready program in Miami Dade County which uses an evidence-based campaign to help junior high and high school students understand the consequences associated with at-risk behaviors that lead to HIV/AIDS, STDs, and teen pregnancy.

How Can YOU Live Unlimited?

I hope Linda’s story has demonstrated how living unlimited isn’t always about something as daring as ziplining. Sometimes it is as daring as overcoming your own doubts and those of others to turn something common, like a scoop of coffee grounds, a cup of goat milk, or soap and water into a life saving gift of unlimited proportions!

Any time you reach beyond your limits — whether they have been set by someone around you or yourself — you are achieving a #LiveUnlimited moment. #LiveUnlimited moments come in all sizes, big and small. Yet, what unites them is that we all face limits, and we all have the power to break free of our limits. ~ MDA’s #LiveUnlimited Campaign

I am sending Linda this #LiveUnlimited bracelet to celebrate the ways she demonstrates the #LiveUnlimited principle. She may choose to keep it for herself or pass it along to someone else who needs encouragement, maybe to one of the many girls she has encouraged along the way.

Supporting Muscular Dystrophy

How can you incorporate the #LiveUnlimited idea into your life? If Linda can do it with coffee grounds, I’m guessing you can do it with something right at your fingertips or with some seed of an idea that has been aching to take root and thrive!

Supporting Muscular Dystrophy

Children in Kratie Province Cambodia

The #LiveUnlimited Bracelet and Campaign

If you would like your own  #LiveUnlimited Bracelet, you can purchase it by clicking here. $6 from the sale of each bracelet goes directly to the Muscular Dystrophy Association.

If you would like to participate in the MDA #LiveUnlimited campaign, you can:

  • Created a custom graphic (like my ziplining picture above). For every #LiveUnlimited custom graphic shared, $1 will be donated to MDA. Click here to create yours!
  • Keep up with MDA and the campaign on Twitter at @MDAnews, @EndorphnWarrior, and the hashtag #LiveUnlimited
  • Visit MDA on Facebook by clicking here
  • Follow MDA and the campaign by visiting this Instagram account and using the hashtag #LiveUnlimited
  • Purchase a #LiveUnlimited tshirt by clicking here ($7 from each sale goes to MDA)

I was given a #LiveUnlimited bracelet for myself and one to give away to someone who inspires me. All opinions are my own, especially about the coffee grounds, because coffee rocks. 

thoughtful-thursdays4

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