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Lifestyle

Improve Your Attitude: Turn Negatives Into Positives

Have you ever known people who go through life in a bad mood? At my house, we sometimes call them Eeyores after the eternally pessimistic character in the Winnie the Pooh series. The funny thing about people who have a continuously negative attitude is that bad things seem to happen to them. They are the ones  that have their restaurant orders mixed up or lost. They seem to miss out on all the good deals by a day or always have their bills overcharged. They are continuously on the phone to fix an oversight. There is always a story about someone doing them wrong,  a never ending stream of things to complain about. Is their situation really that bad or is that all they are able to see? While there are truly awful things that can happen, if you can find a way to make something positive out of a bad situation, it makes a big difference in your quality of life. How can you turn negatives into positives? It’s easier than you think. Look at the Worst Case Scenario This might seem counterintuitive, but I’ve found that when you are staring at something that seems insurmountable, look at all ...

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My Best Financial Tip: Stop Being Afraid

When Grayson at Debt Roundup put out a call to all bloggers asking for our best financial tip, I thought of lots of helpful and necessary things like spending less than you make, having an emergency fund, and setting up a budget. If you spend more than five minutes reading financial posts, you will see these basic steps repeated over and over. Unless you were born into royalty, you can’t have financial independence without them. If these steps are so easy to find, why doesn’t everyone practice them? I honestly can’t answer for the masses, but for my own situation, I would say that fear was the biggest thing that held me back for so long. To live the life you aspire to, you have to stop being afraid. What Are We Afraid Of? If you find yourself in debt, reason would say that you need to stop spending money. Sometimes it isn’t that simple. Are you afraid of what people will think? How often do we feel the need to buy something new to keep up with the expected norm? Society wants us to spend money. That’s great if you have it, but if a purchase has to go on ...

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Do Your Purchases Reflect Your Values?

Today I am very excited to be doing a Blog Swap. Be sure to head over to Mandy’s site to read about my first real passport trip and what it taught me.  Also, don’t miss out on your chance to win $100. My name is Mandy and I’m the author of a blog called Money Master Mom.  I’d like to help you align your spending, time and energy with your values. Back in the day when we had satellite TV (we cut it because it was providing us little value, and was costing us a lot of time) I watched Survivor.  I enjoyed the episode where they brought food in front of the starving contestants and then auctioned it off.  Some items provided little value for the contestants and resulted in low bids, but other items, like a cheeseburger, provided high value and bidding wars ensued.  It was an interesting display how value and cost can sometimes vary a great deal. If you want to make the most of your money you need to match your spending with your personal values.  Take some time to consider what purchases provide you with a great deal of satisfaction; these purchases are high value buys. ...

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Halloween Humor: Random Things I’m Scared Of

If you read my weekly roundups, you might have seen a few of these already. I never know whether to do a serious post for holidays or not, so for Halloween, this is what you get. If you need a dose of personal finance, go read something at Work Save Live. Jason always has great stuff and is hosting a giveaway for his one year blogiversary! Things That Really Scare Me Spiders. I know they eat flies, and I have a soft spot for Charlotte’s Web, but still. Log Trucks. Afraid the logs will roll off into my car. Anything that Turns from a Liquid to a Solid at Room Temperature. I had to leave the South because I was scared of gravy.  Birds. I have been bitten by a parrot, attacked by a chicken, and pooped on by some exotic bird in Florida. They are all out to get me. Neurologists. It is scary that anyone can be that smart, and if I need to go see one, that is scary in another way. Running out of Toilet Paper. If I don’t have at least a four pack, I honestly get anxious. Teenagers. I will have one in 8 years. I better get over this. The Fiscal ...

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Being a Boss, The Good, The Bad, and The Ugly

There were a couple of posts recently about the benefits of being an employee. For that point of view, check out DC’s post at Young Adult Money or Holly’s post  at Club Thrifty. I have not been an employee for over ten years. I bought my optometry practice in 2002 and have been the boss ever since. I’d like to share my opinion on the ups and downs from my time as the head honcho. Maybe you can gain some prospective in determining if you would like to be in charge or if it makes sense to remain an employee. This is my experience of being a boss; the good, the bad, and the ulgy. The Good Making my Own Schedule. While my office is open five days per week, I can determine when I want to be there. I’ve changed my hours several times over the years. If I want time off, I can work  longer on another day. As long as I see enough patients, it doesn’t really matter what day or times. Vacation. I can take vacation whenever I want. I don’t have to get it approved or see who has seniority before I ask for time off. Dividend Income. I pay myself a salary, ...

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