One of my go-to blogs is called Debt Proof Living by Mary Hunt. This was her Facebook post today. I admit that I love the search for the deal. Right now the flyers are overflowing with huge savings, meaning savings off of prices you wouldn’t have paid before the sale. The real way to save? This artist nailed it. Wishing you many 100% savings. Happy New Year to all, Deb
Archive for December, 2014
I don’t know how many of you are still out there but I promised myself I would try and reach as many of you as I can. Time is short. Some have already fallen to exhaustion and will be woken with shrill cries, demands for tribute submerged in a haze of carbohydrates and sugars. The frenzy of wrappings, colours, people and conversation may make it impossible to think clearly. You are being conditioned my friends.
How do I know? Because last year that was me and I vowed to share my story so others do not have to make the same mistakes.
You can call me Deb because that is my actual name. It seems like only a year ago I was celebrating, unwrapping yet another low fat cookbook, which was starting to make me a little sensitive, and hitting the hot cocoa pretty hard. I was feeling no pain, except for the damage to my self esteem, and was relaxed. I was too relaxed. As I sat at the table, under the pile of newspapers I saw the edge of something glossy. Why was there no music in a minor chord to warn me of the danger? I’m always the one at a movie to notice the music when someone heads for the basement door or walks into the woods in high heels. No. There was no warning for me. I pulled the sheet towards me and there written in thick black oozing blood, I mean ink, were the numbers. It said 70% off everything (with the illegible writing saying that it did not apply to anything that you wanted, that you had to ask a clerk to help you find, non-toxic, non GMO, in your size or in style).
I started to shake and quickly check the time. It is only 20 hours until the Boxing Day sales started and I knew I needed to be in that line. Where was the sale? It didn’t matter. Did you not hear that it was 70% off? I’d never been to Hank’s House of Hinges but they were giving out free organic ragweed blend knitted scarves with every $200 purchase. How is that not a deal? I don’t remember that day well but if you come to my home you may notice that everything moves well. Too well.
It is too late for me to unplate the damage but it doesn’t have to happen to you. It doesn’t matter the discount. Defend yourself by making a list before you look at the flyers and if you do not have anything on the list get rid of the flyers without looking at them. Yes I know they compel you to look. In history there has been the dreaded three, the basilisk, Medusa and the Boxing Day flyers. The peril is too great. I have purged the house of these papers. The inbox. No. I must empty the inbox. Why do I hear music? Nooooo.
“One of the most terrifying things that has ever happened to me was watching myself decide over and over again – thirty-five days in a row – to not return a movie I rented.”
“I like being a woman. I also like being friends with other women. I don’t, however like being thrown in with people you don’t know and don’t want to be with, but you are all going to share this intimate event with glee. If it kills you. And that’s how I feel at this bridal shower.”
“It was Miss Somer’s turn to make the tea. Miss Somers was the newest and most inefficient of the typists. She was no longer young and had a mild worried face like a sheep.”
I was challenged to list 100 things for which I am grateful.
One of them is the feeling of being captured by a book. There is nothing like finding something that first attracted you with its cover or title and then knowing, within the first paragraph, that you’d found your latest adventure.
You know when it happens. You are already up too late or need to leave for an appointment but you need to read just one more page (chapter). You know you’ve found a good book.
Growing up we moved a fair bit and reading was my passion. I loved the play of language and imagery. Books were friends that always moved with me.
When I got married I had approximately 800 books in my room and had to make a choice between the book shelves and him. It was a close race.
In watching the budget I am so grateful that with a free library card I have access to a world of entertainment. I can spend hours browsing the titles and discover authors I never knew and books to suit my need for laughter, distraction, fantasy or learning. If I want I can just go on line and order whatever book I’d like from within the system and have it delivered to my local library. I can borrow movies or music as well but it is always the books that call to me. I love to curl up with a book, carry it with me in the car, and have it as an always available dining companion.
I am so grateful for the connection and insight that comes from books.
When I’m feeling boxed in because of finances I can get myself to the library and travel vicariously, laugh until I snort, get inspired to learn a new language, or allow myself to be enchanted.
Wishing you all the richness of a good read, Deb
Christmas time can be the discount bin of emotions. There is the occasional gem but there is a lot of stuff that is no bargain. Yes I am talking about the neon leg warmers of feelings, guilt. In recent years I’ve been a little more savvy in my approach to my finances for Christmas. I put aside a set amount a month and create a budget. By Christmas time I know what I have to spend on everything from gifts, food, travel and clothes. Since I know the amount I will have, my brain has a framework and things seem to slide in rather neatly. That is the financial side. The other part, the emotions thing, can occasionally grinch it all up for me. It doesn’t just leave me with a curled lip patting my little dog while looking down on Whoville. It tends to push me down the mountain and bundle me in any layers of guilt I might roll across. In the past the temptation was to spend without a budget because I didn’t have any money anyways. Excellent logic. Now the temptation is to purchase that one extra thing. I say I do this because I want to give and that is true. I say that those I love are worth it. They are but honestly I also want to feel good and pretend that I’m not as pinched as I am. Gift giving season makes me think about my finances and I don’t want to. Worse I do not want anyone else to know that I cannot buy them the ultra deluxe turnip twaddler with the GPS feature. This is when the worst of the guilt appears. It is the irrational guilt, the things over which I have no control, the things I should not carry, that jumps right into my shopping cart. This is the big ticket item. Out of anything you pick up this season this is the one you cannot afford. You have to put it back.
The real harm in this sort of guilt is that it usually brings its seedy little friend judgement. We label ourselves for things that are out of our control. I feel guilty for not being able to live up to some artificial standard. I feel I have failed and it must be my fault. Rationally I know this is not true and it is this truth that has to guide my feelings and behaviour. I have to switch from distorted thinking to accurate thinking. A great blog post on doing this is Renee Jain’s http://blogs.psychcentral.com/stress-better/2014/11/forget-positive-thinking-try-this-to-curb-teen-anxiety For this Christmas season I want us all to receive the gift of freedom from unreasonable guilt, the freedom from judgement that should have never been.
This blog is primarily about frugal living. That being said, the ability to spend less than we make is a many tentacled wonder. Some of my worst spending decisions come when I am tired, stressed and depressed. Most of the year I can glide by with canning, crafting, thrift shopping and humour. At this time of year the days are shorter, the seasonal affective shut down code is punched, and I feel the need to make it “the most wonderful time of the year”. (I will now have that ear worm playing in my head all day). I start to droop. I hit the drive thru or buy the packaged food. I sleep more, indulge more and spend more. My ability to make wise financial decisions in compromised.
My emotional well being hits my bottom line.
I realize that most of us intuitively know this but how does this help? Knowing and dealing are very different. I will share one positive perspective that does help. There is a verse in the bible that says, “Put on the garment of praise for the spirit of heaviness”. No matter what your beliefs there is truth here. Gratitude. It is a key to taking control of your perspective.
You know the things that weigh you down but what about the things that buoy you up?
I was recently invited to take part in the 100 days of gratitude challenge. What if you kept a gratitude journal? Write down 5 things for which you are grateful. During the day think of different things to write. This will keep your mind on your blessings. Share these with chosen friends and family. Blog them or Facebook them or another outlet of your choosing. You need to dwell on them, express them and share them. It will shift your focus and give you a fighting chance.
I have a great deal for which I am grateful so I will start with the colour red. All my life I believed I could never wear red. I was told it did not suit me. A few years ago I met a man who saw me differently. As we walked through a local market he picked up a red scarf and said it would be beautiful on me. I started to object but he put it on me and said it was perfect and bought it for me. There were no mirrors except for his eyes. I felt timid at first but I wore the scarf every day. Eventually I started adding the colour into my wardrobe and felt joyous. He had given me the gift of the colour red and I am grateful.
I wish you all a season clad in the garments of praise.