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Carnival of Personal Finance #446: The To-Read Books Edition

January 7, 2014 by Jana 8 Comments

I am a voracious reader. It’s not uncommon for me to be in the middle of two or three books at a time. I’ve been known to finish 3 books in a week. I have an ever growing to-read list that will never be tamed. I’m pretty sure the librarians at my local library are pretty sick of me. And I’ve only been living here for 4 months.

Which is why, when I joined Goodreads 2014 reading challenge, I only picked 37 books instead of 50 or more (which is what I’ll most likely wind up doing). I didn’t want to force myself to finish a crappy book just to meet an arbitrary goal. There are too many books for that. So I went with a more reasonable and sane 37 (insert quote from Clerks) in honor of my 37th birthday this year.

But you’re not here for that. You’re here to see what posts made this week’s Carnival of Personal Finance. You can read on for that. And I’ve also included a few of the nonfiction books on my list just in case you’re looking for ideas to round out (or start) your to-read list:

Editor’s picks 

jim henson

Lenny from Best Money Saving Blog presents You can embrace Digital Marketing even on a Small Business Budget, and says, “While digital marketing definitely has its merits many small business owners are hesitant to use it simply because of the time that they believe it takes to make it work.”

Sam from The New Business Blog presents How to Build a Brand People will Adore, and says, “Many people outside of marketing think of a brand as sort of this false cover that is given to a product or service in order to con them into buying something that they do not actually want or, even worse, do not need.”

Marissa from Thirty Six Months presents The Joys of Freelancing, and says, “One of the things that I really enjoy doing is mentoring freelancers. I work in the start-up world, and freelancers are a big part of that. I get to see the ups and downs of that world every day. It is fascinating to see how people price their time, and creative abilities.”

Alexa from Single Moms Income presents Resolution #2 ? Digital Organization and Putting Systems in Place, and says, “You know when you do not check your email for a few days and then you start to dread it because you just know you are going to have like 100 messages in your inbox? That is how I was feeling yesterday.”

Amanda from My Dollar Plan presents New Year’s Resolution: Frugal Ways to Cut Back on TV Time, and says, “Cutting back on TV is a great idea! But how do you do it without filling your time with costly activities? Here are some ideas!”

Kylie Ofiu from Kylie Ofiu presents 10 Steps For Success With Goals, and says, “Setting, sticking to and achieving goals feels great, but can sometimes be a little hard. Here’s 10 steps plus tips from others on how to do it all from setting your goals, staying motivated and right through to completion of your goals.”

New Year’s Resolutionsfakebook

Mario from Debt BLAG presents Don’t make New Year’s resolutions; set smart intermediate goals instead

Stefanie @ The Broke and Beautiful Life from The Broke and Beautiful Life presents 5 New Years Resolutions Worth Making

Sean Smarty from Growing Money presents 10 New Year Financial Resolutions 2014

Pauline from Savvy Scot presents New year financial boot camp: utilities and bill check-up

Real Estate

homemade lifeMiss T. from Prairie Eco Thrifter presents Inefficiencies in Homes to Look for as a First Time Home Buyer

Pauline from Reach Financial Independence presents Are You Ready for the Challenge of Real Estate Investing?

Pauline from Make Money Your Way presents Real Estate Investing

Marissa from Finance Triggers presents How to spot a good mortgage broker from a bad one

 

 

Investing and Retirement

Jim from Critical Financial presents Powerwave Technologies | My Ah Ha Investment Momentstreet freak

 

Jeff Rose from Good Financial Cents presents The Prosper Vs. Lending Club Experiment

David from Financial Nerd presents Trends in Interest Rates in 2014

Aaron from Aaron Hung presents Looking for investment advice on Twitter? These new Tools will help

Michael Kitces from Nerd’s Eye View presents Understanding The Two 5-Year Rules For Roth IRA Contributions And Conversions

PK from Don’t Quit Your Day Job… presents Expected Real Returns on BAA, AAA, and 10 Year Treasuries

Graham Clark from Moneystepper presents FTSE 100 diversification ? performance of the top 10 consitutents

Emily from Evolving Personal Finance presents When to Pass Up a Company Retirement Match

Ray from Squirrelers presents Taking a Pension or Lump Sum: What Would You Do?

Bob from Dwindling Debt presents What’s the Secret to Early Retirement?

Personal Finance and Saving Moneybootstrapper

Daniel from Make Money Make Cents presents Want to make smarter money decisions? Use these tips from Economist Noreena Hertz

Jay from Daily Fuel Economy Tip presents Hypermiling ? 5 Tactics to Reduce Gas Consumption

Oscar from Money is the Root presents Need to binge shop? Your local dollar store has bargains, but maybe not all of them

Katie from IRA Basics presents Benefits of a Budget

Alexa from Defeat Our Debt presents 7 Ideas for Saving Money on Food

Lily from Paying Debt Down presents Money Saving Holiday Shopping Tips 2013

Jason from The Money Makers presents Olivia Wilde is Having a Baby: What are the first-month expenses?

Monica from Monica On Money presents How My PT Cruiser Saved Me $27,600

Eric from Narrow Bridge Finance presents 4 Uncommon Ways to Start Saving Money this Year

Jack from Money Saving Ethics presents Holiday Travel Tips 2013

Miscellaneous Money Stuff

hyperbole and a halfNatalie from Debt and the Girl presents Joy is Separate from Circumstance

Larry from KrantCents presents Technology Has Made Me Lazy or More Productive!

Holly from Club Thrifty presents Social Framing

Sustainable PF from Sustainable Personal Finance Blog presents Would You Use an Alternative Currency?

Andrea from So Over This presents Movers Destroyed My Belongings ? Saga Continues

Hadley from Epic Finances presents Why did the Founder of Barnes

Amy from Money Mishaps presents Why do some Credit Scores FALL after paying off a Loan?

Matt from Budget Snob presents Don’t Worry about your Credit Score being affected by These 5 Things

Justin from Edward Antrobus presents Is that awesome Review a Fake?

FI Pilgrim from FI Journey presents Would You Become Self Employed For Less Money?

Filed Under: Money Tagged With: Bloggers, finances, home

Very Interesting Blogger Interview #2: Eric from Narrow Bridge Finance

December 9, 2013 by Jana 2 Comments

About a month ago, I launched my Very Interesting Blogger series. Up first was my good friend Tonya from Budget and the Beach (you can read her interview here). Then I took a pretty long break from blogging and decided the best way to start again was to share what I’ve learned about other bloggers. You know, because they’re definitely more exciting than me (seriously, the amount of pictures I take of my dogs is an indicator that I really need a life).

Eric doing what he does
Eric doing what he does

For this interview, I had a little chat with Eric from Narrow Bridge Finance. I’ve had the pleasure of meeting Eric at FinCon (all 3!) and he is probably the most diverse person I’ve ever met. He’s lived quite an interesting life thus far, and has several rather unique hobbies (also, he’s getting married and moving to a new city–head on over to his blog or Twitter and congratulate him). I asked him about two of them:

Me: You’re a very versatile guy, Eric. You work, you blog, you do other stuff like DJ and organize flash mobs. Can you tell us a bit about the last 2? What exactly do you do when you’re working on them or at an event?

Eric: DJing and flash mobs are both fun side projects that bring in a little extra money here and there. The flash mob business is one that I came upon accidentally a few years back, and after quite a falling out with my former business partner, I took the reins on my own.

Most of the flash mob planning business is taken care of online and by email. I get everything planned remotely beforehand and then, on flash mob day, show up with the big speaker system and video camera to make sure everything goes off without a hitch.

DJing is a little more hands off. I don’t actively search for gigs, but when the come to me I show up with my own mixer and music collection to help everyone get their dance on! You can hear some of my mixes for free in the iTunes store or at DJYofi.com.

I’m having a hard time picturing you helping others get their dance on and you not joining in. Eric likes to get his groove on, y’all. I’ve seen it at several FinCon parties. 

Me: What made you start DJing and organizing flash mobs? How long have you been doing it?

Eric: I always thought dance music was fun and enjoyed putting together playlists and handling the music for get togethers and parties in college. A couple of years later, early in 2010, when I finally had the money for the real DJ equipment, I gave in a bought a mixer. The rest has just been a lot of fun!

I went to my first flash mob because I thought they were super cool, and quickly befriended the guy who planned it and joined in on the fun. We planned a few more “just for fun” mobs before people started approaching us to help them plan for special events. When I figured out people would pay me to run mobs for them, I didn’t say no.

How can you turn down someone paying you to organize chaos? You don’t! 

Me: Do you do it for fun, to earn money, or both? If you do earn money doing it, at what point did you decide to make the switch from hobby to income earning opportunity?

Eric: I started both DJing and flash mobbing just for fun. I figured there was a way to make money as a DJ if I pursued it, but most of the time I am playing for friends and don’t worry about being paid.

I had no idea flash mobs would become such a big part of my life when I showed up to the first one, but when the opportunity to make money doing something I enjoyed, and turned out to be really good at, came knocking, I turned the hobby into a professional business with an LLC.

That’s pretty amazing. Always a good thing when you can make money from something you love. 

Me: Tell us about your favorite memory from one or both of those gigs.

Eric: My favorite flash mob memories go back to the first few. I remember being excited and nervous as I started dancing in the mall on Black Friday at the first mob I ever planned, and the same feeling a few months later when I did my first choreographed dance flash mob.

My favorite memory DJing was the first time I had a real crowd at an event in a club. I had a couple hundred people dancing, part of a crowd of six hundred, and more and more people kept making there way to the dance floor. Then I dropped the bass and they all started jumping up and down together. So much fun to see from the stage!

Those are definitely great memories! I imagine it’s also a little powerful to realize people are dancing because you told them to. Or maybe that’s just me…

Me: What advice would you give someone who’s thinking about picking up DJing or organizing flash mobs as either a hobby or a paying job?

Eric: My biggest advice for a new DJ is to hustle and get your name out there. Practice a ton and focus on making the crowd dance, and nothing else, and people will always have fun and want to hire you.

If you want to start planning flash mobs, be prepared for a lot of time and stress. It is harder than you think. I decided I did want to help people plan their own mobs and wrote a short workbook that can help anyone, step-by-step, plan a flash mob. You can check out the workbook on how to plan a flash mob or just try to plan it on your own. But don’t forget any detail, or you will learn the hard way what can go wrong at a mob.

The fact that there is a workbook on how to plan a flash mob makes me incredibly happy. Thanks for sharing and participating in the interview series!

Filed Under: Life, Money Tagged With: Bloggers, Interviews

Very Interesting Blogger Interview #1: Tonya from Budget and the Beach

November 11, 2013 by Jana 15 Comments

One of my favorite parts of blogging is getting to know other bloggers. Whether it’s through conversations on Twitter, Skype, or meeting them in person at FinCon, learning about them as the “people behind the blogs” makes reading their sites that much more personal and enjoyable.

I’m also amazed at just how interesting other bloggers are. And I want you guys to learn about them, too. Which is why I’ve started a new series–The Very Interesting Bloggers Interviews (I’m awesome at names, aren’t I?). Every other week or so, I’ll bring you a brief, 5 question interview with a different blogger who has a really different, exciting or interesting hobby.

Up first is one of my good friends, Tonya, from Budget and the Beach and It Started with Lip Gloss. I had the pleasure of hanging out with her at FinCon13. She’s really awesome, a great person to talk to and a fellow Friday Night Lights addict. She also plays beach volleyball, so I thought I’d ask her about that:

Tonya in action.
Tonya in action.

Me: So I’ve been told that one of your passions–besides Friday Night Lights–is beach volleyball. Can you tell us about that?  

Tonya: Well it’s no FNL but it’s a close second. 🙂 Beach volleyball is one of the most fun sports I’ve ever played, and it’s a really social sport too. I’ve met so many amazing friends through beach volleyball, and have a hard time imagining a time where I’ll ever stop playing, unless I move from Southern California. It’s one of the things that keeps me here, despite the high cost of living.

I think that should go on a brochure. 

Me: When did you start playing? Have you ever played professionally?

Tonya: I started playing five years ago after my boyfriend broke up with me, and I needed something to fill the “empty space.” I first signed up for an indoor class, but quickly found out about beach volleyball classes, and have never looked back. I like that there are only two of you on the court (of course you can play with more) so it gives you a lot of responsibility. And moving in the sand is a great form of conditioning.

I’ve never played professionally. Even if I had played indoor in high school and college, I’m just too short (5’4).

I’m 5’3″ so I get it. I avoided tall people sports at all costs. 

Me: Do you do it for fun, to earn money, or both? If you do earn money doing it, at what point did you decide to make the switch from hobby to income earning opportunity?

Tonya: I do it for fun now. I used to play in tournaments where you could earn prizes (I’ve only won two volleyballs in my “career” as a player), but I gave that up a couple years ago because it just wasn’t for me.

I used to help coach some recreational classes to help out a friend, which is how I got started earning money as a coach. Now I teach private lessons, which is a great source of extra income.

I’m sure it’s also fun. I was texting her a few days ago while she was teaching and the extent of the lesson at the point was to tell her student to run. I want someone to pay me to tell them to run. 

Me: Tell us about your favorite beach volleyball memory (and it cannot include that scene in Top Gun).

Tonya: Ha ha! That’s a great scene but the fact that they show Tom Cruise jumping above the net is truly hilarious given his height. Agreed.

My favorite memory is from a beach volleyball tournament. The California Beach Volleyball Association (CBVA) classifies their women’s tournaments into A, AA, AAA, and Open Division (Open being the hardest) categories. If you have an AAA rating, you can’t play down, but if you have no rating or an A rating, you can always play up.

I had an A rating and I was going to play in a AA tournament with my friend Mocha. Up until that day, I had never won a single game in a AA tournament. I didn’t tell Mocha until we were in the car on the way there. My goal was to win one game. When I got there I found out I was in the same pool as two women who had beat me in every single tournament. It was frustrating. Not only did we win one game, but we won every game (4 games) in our pool, beating my nemesis in a glorious finish. I even have a picture where you can see the joy on my face, and the look of defeat on their faces. We ended up losing in the playoffs, but it’s still my favorite moment in beach volleyball.

Beating a nemesis is a glorious finish is ALWAYS a great memory. 

Me: What advice would you give someone who’s thinking about picking up volleyball as either a hobby or a paying job?

Tonya: Well it’s hard to make money, even as a professional volleyball player. It’s not like the NBA, and only top names like Kerri Walsh and Misty May make decent money playing. But if you’re thinking about playing recreationally, my best advice would be to sign up for a class. Not only will you develop skills, but you will meet people that you can set up games outside of class with.  

If you’re serious about getting good, do interval training. It’s the best way to condition your body for that type of sport.

Great advice, Tonya! Thanks so much for playing along! 

 

Filed Under: Life, Money Tagged With: Bloggers, Interviews

Carnival of Personal Finance #427: The Netflix binge watching edition

November 4, 2013 by Jana 16 Comments

Although I don’t write a personal finance site, many of my friends do so I’m giving them a hand today by hosting the Carnival of Personal Finance. Hope you enjoy it!

My name is Jana and I am a binge watcher. I blame Netflix and its readily available programming for this problem. Because before this entered my life, I watched TV like a normal person. I watched one regularly scheduled episode of a few shows and then moved on with my day.

Now, thanks to Netflix, I can’t do that anymore. No. Now I must watch as many episodes as I possibly can in one day, often to the point of sleeping less because I need just. One. More. Episode.

It’s terrible. In the last year, I’ve made it through approximately 9 shows from start to finish (by finish, I really mean “what’s streaming on Netflix and then also watching the current season live”) including Breaking Bad, Mad Men, and The Killing. And I want my life back.

Yet, I kind of don’t. You see, not only does Netflix currently have several of my all-time favorite shows available for my immediate viewing pleasure (and these shows are not in syndication and are also kind of hard to find in reruns) but binge watching saves me money. Lots and lots of money.

Because it’s hard to spend money when you don’t leave your house and you’re too engrossed in the happenings of SAMCRO or cheering for the Dillon Panthers to bother to shop online. It also helps that there are dozens of great blog posts that also encourage me to be mindful of my money.

And I’m pleased to present them in this edition of the Carnival of Personal Finance (along with my favorite Netflix shows to binge watch).

Editor’s Picks

First, my favorite show of all time:

Freaks-Geeks
If you haven’t seen this show yet, cease what you’re doing and watch it.

Now, the editor’s picks. These posts stood out for me among the wonderful posts that were submitted for a number of reasons and I highly recommend that you check them out:

  • Sam from The New Business Blog presents Online Marketing Tips for the Entrepreneur, and says, “We put together a list of some excellent online marketing tips that every entrepreneur can use to build client lists, attract visitors to their websites and increase profits.”
  • Marissa from Thirty Six Months presents Things You Didn’t Know About Fall Fashion, and says, “Are you heading to the mall this fall? Here are some very interesting facts about shopping habits this fall.”
  • Matt Becker from Mom and Dad Money presents Beware the Source of Your Financial Advice, and says, “When it comes to financial advice, there’s so much BS out there and it makes me sick. When it comes down to it, you’re the only one who truly has your best interests at heart. There are people who can help you make your goals a reality, but you have to understand that there are likely even more who are much more interested in simply taking your money and running. And the financial services industry is one of the worst in this respect.”
  • Jason Hull from Hull Financial Planning presents The One Skill You Can Teach Your Children to Potentially Save Them Tens of Thousands of Dollars, and says, “Parents – teach your children this, and it can save them an enormous amount of money when they’re adults.”
  • Adam Kamerer from Stop Worrying About Money presents 5 Christmas Gift Ideas For Friends and Family Who Struggle With Money, and says, “No one likes seeing family or friends struggle under mountains of debt and other financial woes. It is even worse when Christmas rolls around.”

 

The Rest

Remember, it might not be an editor’s pick but these posts are all worth reading. And the shows are worth watching. I didn’t watch Orange Is the New Black in a weekend because it sucked.

Charlie Hunnam bonus: Undeclared is also on Netflix and he's on that show, too.
Charlie Hunnam bonus: Undeclared is also on Netflix and he’s on that show, too.
  • Ben Luthi from The Wealth Gospel presents The Junk We Waste Our Money On
  • Emily from Evolving Personal Finance presents Don’t Buy into the Pro- or Anti-Credit Card Hype
  • Daniel from Make Money Make Cents presents Pay your Bills to Save Money? Yes, you can.
  • Oscar from Money is the Root presents College Life: On-Campus Dorms versus Commuting from Home
  • Jay from Daily Fuel Economy Tip presents Your Fuel Economy Cheat Sheet
  • Matt from Budget Snob presents Rules to Protect your Passwords from being Hacked
  • TTMK from Tie the Money Knot presents Money and Remarriage: Differences Between Men and Women
  • saverspender from Save. Spend. Splurge. presents Win $100 USD (Free entry)
  • Pauline from Make Money Your Way presents Side hustle series: Make money with weddings
Never thought I'd like a Western-type show but it freaking rocks.
Never thought I’d like a Western-type show but it freaking rocks.
  • Pauline from Reach Financial Independence presents Managing a rental property from the distance
  • Jon from Novel Investor presents 401k Plan: The Definitive Guide
  • Miss T. from Prairie Eco Thrifter presents Should You Buy a House Now?
  • Jack from Money Saving Ethics presents 5 Things You Shouldn’t Look for in Your New Home
  • Amy from Money Mishaps presents Airline Fees that might actually be worth paying for
  • Ben Luthi from The Wealth Gospel presents Learn How to Juggle Your Finance
  • Lenny from Best Money Saving Blog presents Create a 10 Year Plan for your Credit
  • Hadley from Epic Finances presents Five Steps to Help you Understand the Bond Market
  • Andrea from So Over This presents Couponing in College
FNL
The only thing to ever make me enjoy football
  • Lily from Paying Debt Down presents The Best Car Price Negotiation Tips
  • Bob from Dwindling Debt presents Can you Really Go Contract Free with your Smart Phone?
  • Katie from IRA Basics presents What Happens to Debt When You Die?
  • Marissa from Finance Triggers presents Cheap Places to Travel this Fall
  • Buck Inspire from Buck Inspire presents Missed Opportunities Are Not Losses Or Failures, Baby!
  • Monica from Monica On Money presents How To Negotiate Lower Prices On Anything
  • Vanessa from Vanessa’s Money presents Tassimo/Keurig Machines are an Incredible Rip-off
  • Tricia Dahlstrom from Mom’s Money Garden presents The Social Security Card Soapbox
No words. Just watch.
No words. Just watch.
  • Adam from Adam Hagerman – Financial Coach presents Inventory Your Stuff and Then Sell Some of It To Jump Start Your Plan
  • Holly from Club Thrifty presents Being Unemployed Sucks: What I Learned
  • Barbara Friedberg from Barbara Friedberg Personal Finance presents 3 Simple Tips To Become A Successful Investor
  • Larry from KrantCents presents Why No One Cares What You Think about Investment Plan (and How to Stop Being so Freaking Boring)
  • Natalie from Debt and the Girl presents Having the Poverty Mentality and How it Affects your Finances
  • Alexa from Single Moms Income presents Why This Penny Pincher Just Paid $600 for an Online Course
  • Vanessa from Vanessa’s Money presents The Great TFSA/IRA vs RRSP/401(k) Debate
  • Tricia Dahlstrom from Mom’s Money Garden presents The Social Security Card Soapbox
  • Mel from brokeGIRLrich presents Budget 101: How to Stay Inspired
  • Sean Smarty from Growing Money presents Top 5 Ways to Make Money from Your Property
Makes a mockery of fantasy football? Sign me up!
Makes a mockery of fantasy football? Sign me up!
  • Alexa from Defeat Our Debt presents Are These 3 Things Preventing You From Becoming Debt Free?
  • Graham Clark from Moneystepper presents Real wages in the UK – how inflation is impacting your salary
  • Jason from The Money Makers presents Healthcare.gov: Is this failure a warning of what’s to come?
  • Sustainable PF from Sustainable Personal Finance Blog presents Adopting Minimalist Principles to Save Money and Live Sustainability
  • FI Pilgrim from FI Journey presents Enhance The Flavor Of Your Elephant
  • Krista from 2 Copper Coins presents How to Calculate Your Net Worth
  • Dividend Growth Investor from Dividend Growth Investor presents My Retirement Strategy for Tax-Free Income
  • Money Beagle from Money Beagle presents Why Cell Phone Insurance Is A Must Have In Our House

 
Thanks to everyone who submitted a post for this edition of the carnival! It was a pleasure to read all your entries!

And just out of curiosity, what are you currently binge watching?

Filed Under: Money Tagged With: blogging, Entertainment, finances

About that time I stood up for myself, asked a question, and got what I wanted

September 27, 2013 by Jana 7 Comments

Those who know me in person may find this next statement hard to believe but I’m going to say it anyway–I have a hard time standing up for myself.

JasmineYes, it’s true that I’m outspoken, but often, when someone does something rude or inconsiderate or hurtful, I don’t say anything. I internalize it, keep it to myself and blow up at inappropriate times. Or maybe I stuff it down by eating another pumpkin chocolate chip muffin (since I have approximately 13,000 in my house). Or maybe I use it as another way to beat myself up and say that perhaps I deserve to be treated that way because I clearly did something wrong.

It does wonders for my self-esteem, let me tell you.

By not standing up for myself, not only do I hurt myself mentally but I also wind up inconveniencing myself. For instance, if I place an order for something–let’s use food as an example because why not–and it comes out wrong, I typically will not say anything. I will just deal with the problem because a) I’m convinced that something awful will happen to my food if I send it back (I *might* have paranoia issues sometimes) and b) I don’t want to hurt anyone’s feelings.

I do this more often than I care to admit, and oftentimes, I just take the wrong product because I have limited time to wait for the right one and the wrong one is better than none at all. Then I profusely apologize when I have a crappy business card (this happened at one full-time job) or an ill-fitting wedding dress (yup, that happened) or whatever else. I do vote with my voice and let people know not to go to XYZ company or eat at 123 restaurant and I also won’t give them any more of my money. Word of mouth is essential when you live in a small state so if I mention that a local company is crap, news travels fast.

But I never let the right people know.

Most of the time.

Sometimes, though, I decide that I’ve had enough and I really don’t have the time or patience to deal with a problem. Also, my bank account is exhausted. It can’t really take any additional hits. Which is why, this past week, I stood up for myself on two-TWO–separate occasions! And I was successful in getting done what I needed!

Time #1–The Library

For the 9 years I lived in my old house, I had a regular library that I used. Getting there took about 10 minutes, maybe 15 or 20 if the traffic was really heavy. So, not too bad. Now that I’ve moved, I live approximately 45 minutes from that library. That’s too damn far, especially when  I another branch 15 minutes from my new house. So, when I got a notice that books I had on hold (The Silver Star by Jeanette Walls and Serena by Ron Rash, for those who are interested) were available at my old library, I was frustrated. I really didn’t want to have to drive to that branch. It’s a waste of time, I already spend way too much money on gas thanks to living in the middle of no where and cheer competitions, and we really need to save the mileage on my car thanks to the lease restrictions (side note: I will NEVER lease a car again. It was something that had to be done due to a major financial pinch a few years ago but never, ever again).

So I made a phone call. And I asked if the books could be transferred to the new, closer branch. And they said yes! Who knew? Now I get my books and I get to save on all the areas I need to save.

Time #2–The Gym

Because the husband has a gym in his office building and works hours that don’t allow him the opportunity to use our YMCA, we removed him from our membership (hooray for saving money). For whatever reason, that caused a glitch in the Y’s system and they charged us twice this month for our membership fee. I noticed it because I compulsively check our bank account (we had some issues with compromised information at our alma mater as well as a stolen card number last year so I keep a pretty close watch on our account). The other day, I went to the front desk to ask what happened, and I was told that the money would be refunded.

Imagine my surprise when 3 days later, no refund had been issued. So I called again. And spoke to a very pleasant, helpful lady who figured out why I had no refund and actually processed it this time. She even emailed me a receipt! We’ll get our money back in a day or two. Just in time to pay for October, too.

The Difference

Because I’m trying to work on improving myself, this includes standing up for myself and asking questions when I’ve lost money or need to be inconvenienced. I’m trying to recognize that sometimes, it’s okay to want things to be easy for me (also, I deserve my money back). The worst people can tell me is no. Then I’m in the situation I didn’t want but I can at least assure myself that I tried.

In these two situations, the main difference between present Jana and past Jana is that I got the confidence, and took the initiative, to actually make the phone calls. In the past, I would have put the onus on me to work out the problem instead of asking for help. But in the present, I acknowledge that that’s ridiculous. So I did it. And I got the results I wanted. Which gives me confidence to do it again.

Note: Make no mistake. If someone messes with my kid, I absolutely will not tolerate it. I will get in their face if I have to. You do NOT hurt my child in any way and get away with it. Same with my animals. Sometimes my husband but he’s bigger than me so it’s more intimidating if he stands up for himself. But all 5’3″ of me will be right behind him. 

How about you? Are you good about standing up for yourself in situations? 

Filed Under: Life, Money Tagged With: books, finances, mental health

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Jana

I'm Jana ...

A book reading, nail polish wearing, binge watching, music loving, dog owning, reluctant cheer mom.
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