I have noticed that lately I’ve been complaining a lot. I mean A LOT. Sure, there are lots of things in my life to complain about but in the grand scheme of things, I really just sound like a spoiled brat. Since today is Thanksgiving, I’m going to take 10 of those things I’ve been complaining about and find something about them to be grateful for.

Here goes.

Even though I complain about laundry, I am thankful that I have the ability to wash my clothes. I am also thankful that I have, and can provide for my child, clean, seasonally appropriate clothes.

Even though I complain about food shopping, I am thankful that I have the money to buy food every week.

Even though I complain about my job, I am thankful that I have a decent paying job, with benefits, that allows me enough freedom to also pursue blogging.

Even though I complain about paying bills, I am thankful that I have enough income where I can pay all of my bills without having to pick and choose.

Even though I complain about the cost of gas, I am thankful that I can afford to put gas in my car.

Even though I complain that my daughter talks way too much, I am thankful that a) she has the ability to talk; b) she wants to talk to me; and c) I get to hear her talk every day.

Even though I complain that I have too much to do, I am thankful that I have the physical and mental capability to accomplish all of those tasks.

Even though I complain about my house and keeping it clean, I am thankful that I have house that is warm, safe, and (reasonably) clean.

Even though I complain about the fact that there are too many books I want to read and not enough time to read them, I am thankful for the fact that I am literate and that my parents instilled in me a love of books.

Even though I complain that I feel like an outcast, I am thankful that that there are a handful of people that accept me, almost unconditionally, for all of my weirdness and idiosyncracies.

Happy Thanksgiving to you, my dear and wonderful readers! What are some things that you are thankful for today?

As I’ve been navigating the personal finance universe, one term keeps showing up: snowflaking.

Snowflaking is a derivative of the Dave Ramsey concept of the debt snowball. This is the method we’ve used to pull ourselves out of the massive crater of debt we found ourselves in several years ago. It works, too! It’s nice to be able to check off one debt after another, knowing that you’ll have that much more money to put towards the next one. Snowflaking, though, was a new idea for me.

The idea of a snowflake is that you can add every little bit of money you can towards your debt. There’s an excellent explanation over at I’ve Paid Twice for This Already. I love this idea! It really is proof that every little bit helps. But where can you find the money to create a snowflake?

Snowflakes are everywhere! The Family CEO offers a good list of ideas, and, if you look closely in the comments section, you’ll see my contribution: rounding up payments. We do this with three of our remaining debts–car payment, student loans, mortgage. It’s a really easy idea and doesn’t require any extra work except at the budgeting phase. Here’s how we do it: We take whatever the payment is and round it up to the nearest whole number.

For instance, my husband’s student loan payment is $279.23 and we pay $280. Our mortgage payment is $1164.34; we pay $1165. Our car payment varies because the minimum payment goes down each month due to the rounding up of the payment, but we pay $330 each month regardless of the minimum. It doesn’t seem like a lot of extra money but right now we are focused on paying off our home equity loan and all of our second income is going towards that. Adding the few extra pennies does make a difference and, psychologically, it makes me feel like we’re adding at least something extra to our debt payments. It also makes balancing the checkbook that much easier!

Other places we’ve found snowflakes are:

• Part-time jobs and periodic employment (ex., test proctoring)
• Reducing the cable bill
• Keeping a change jar

Since you can’t have a snowball without a snowflakes, it’s important to find those snowflakes any place possible.

What are some of your creative snowflakes?