Money: Why and How do I Spend It?

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This image is free, courtesy of Pixabay.com!

I’d like to ask a favor at the beginning of this post.  If you are going to shop today on Amazon, could you kindly use my affiliate link?  It will not cost you anything to do so.  Thank you.

I’ve started getting a daily email from Mrs. Frugalwoods of the Frugalwoods blog.  She has what she calls an Uber Frugal Month Spending Challenge.  I admit, I’ve not been completely successful in it.  But I do like the daily emails and things that they make me think about.   An email from the other day suggested this assignment, and I thought it might be a good time to talk about it, seeing as we just survived Black Friday and today is Cyber Monday.

Write down all the reasons why you spend money and reflect on whether they’re valid or not.

So, here goes nothing.  I spend money on pet food and food for myself, gas for my car, groceries, utility bills such as gas, electric, and internet.  I spend money on things like car and renter’s insurance.  I bought myself an annual membership to the ABQ BioPark, Aquarium and Zoo.  (After going four times in a year, it starts to pay itself back and yes, I do go often.)  I recently paid $150 plus tax for new Hoka One One sneakers.  It might sound like a lot for running shoes, but if you’ve been or are a runner, you know that good quality shoes are a MUST.  (I’ve spent enough money on physical therapy over the years, thank you.)  And finally, yes, occasionally, I do spend it on a book or two if my library doesn’t have it and I think it is something I might want to mark up in the margins or to highlight.  Or if it’s for school.

For example, the other day I bought the book Tiny House Decisions by Ethan Waldman.   I bought just The Guide because I’m sure I’ve seen or heard some of the interviews already or at least parts of them, possibly conducted by others, since I’ve been watching YouTube videos or listening to podcasts for years now (long before it became “the thing to do.”)  I also paid an extra $4 to get the workbook because I know myself.  I might make decisions and end up writing them in various places, which really isn’t helpful when it comes time to do the actual work of building or buying a tiny home.

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One version of a tiny house.  Mine will likely be smaller! Image courtesy of Pixabay.com.

Another book I spent money on recently, but haven’t yet read – because I pre-ordered it – is Cait Flanders’ book, The Year of Less:  How I Stopped Shopping, Gave Away My Belongings, And Discovered Life is Worth More than Anything You Can Buy in a Store.    Cait’s book comes out in January 2018 and I can’t wait!

Do I think these are valid reasons to spend money?  Yes.  I love Cait’s blog, and her podcast, and I want to support her as an author because I believe in her and I want to repay her back for all the helpful advice I’ve gleaned from her writing and her thoughts on the Budgets and Cents podcast.  I have made up my mind that in some way, shape or manner, I AM going to have my own tiny house or abode someday and yes, there are a ton of decisions that will need to be made along the way.  In my mind, buying Ethan’s guide and Cait’s book is a way of keeping that dream alive, that one small step I could take each day.  You have to find inspiration every day.

I’ve begun to also think of spending in a different way, that of saving.  I’ve set up a Tiny Home Fund, as I mentioned in another post.  I worked on Thanksgiving so the extra money I made from working then (getting paid 2.5 my regular hourly rate) will be “spent” into the Tiny Home Fund.  I’m currently doing some transcription work for my friend Elaine.  The money I earn from that will also be “spent” into the Tiny Home Fund.  Any little bit of money I can save from what I normally spend per month will be “spent” into that Tiny Home Fund.

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How I’d like to spend some of my days in retirement, contemplating things by the water.  Image courtesy of pixabay.com

I’ve begun figuring out how much more money I can “spend” into my retirement savings.  I don’t want to work forever – I don’t know anyone who does.  The more I put into my 401(k) from each paycheck, the lower amount that Uncle Sam gets to tax me on from my paycheck which is already small enough.  I work my butt off for it and I’d like to keep as much of it as I can for my future.

I also “spend” my money into my savings for another reason.  There are so, so many homeless people in Albuquerque.  So, so many people panhandling on the street corners.  It reminds me of my phobia of being homeless.  And it spurs me on to save as much as I can.   I know that not much separates me from them – what happens if I lose my job?  How long could I go on with what I have saved?

I spend my money on necessities.  I have to eat, and so do my pets.  I have to have my car to get to work so I keep it in as good a shape as I can.  Any clothes I do buy are second hand, and even then they are few and far in between.  I need to pay for the utilities so I can keep the lights on and the hot water coming out of the faucet to wash dishes.   I recently bought cat trees for my cats so that they would be happy in the house, and because they had gotten sick so many times on the one I had had for two years, it was gross, despite being cleaned up several times.  They purr on it and love sitting on its ledges in the sun near the window.  To me, that $80 some odd dollars I spent on both trees was well worth it to see them happy.  After all, they are my kids.

Yes, occasionally, I do spend money on something like fries from McDonalds when I have had a crappy day at work, but those events are becoming fewer and farther in between because I’ve started to ask myself – are these fries really worth the extra time it will cause you to work between now and getting that Tiny House?  And 99 times out of 100, the answer is NO!   Plus, I try to remind myself of how crappy it sometimes makes me feel afterward.

So there you have it – I hope that this post will help you to reflect a bit before you hit that “Add to cart” button today on Cyber Monday.  Do you REALLY need what you are about to buy, or will it really benefit that person you are about to buy it for?  Do you already have something at home that can work just as well, or could you gift an experience to your family or friend member instead?

What kinds of things do  you spend your money on and do you think your reasons are valid?  Why or why not?  Please drop me a comment below or hit the like button if you’ve liked this post, and as always, THANKS FOR READING!

 

 

 

 

Hey there, is this thing on??

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from the botanical garden, taken by lil ‘ol me

Hi everyone! Just wanted to let you know I’m alive and well, and the truth is, I’ve missed writing here.  So I’m back with an update.

I wrote in July (I think it was then) that I was considering getting a Master’s of Arts in Humane Education. It’s something my heart has wanted to do but the wallet kept screaming “Are you insane?? Hell NO!”  Can  you guess which one won that battle??

Yep, the heart.  And I’m very glad it did.  I have two wonderful friends, David and Claudia, who also know me from my professional life, who agreed to write letters of recommendation for me. At first, I had trouble starting the personal statement, so I did what I do with this blog when the writing just isn’t flowing.  I put it away, knowing the right thoughts would come to me if I didn’t rush them.  And they did.  I then had an interview with the Director of the program and she very quickly put me at ease, saying that based on my application, my letters of recommendation, and my personal statement, which she loved, she was recommending my admission to the program, and then we had a nice conversation during which I asked lots of questions about the program and she asked me some probing ones as well.

Right now, I’m taking Introduction to Humane Education, which is taught by the Director of the Program, who coincidentally, is also my faculty advisor, and who seems like an incredibly warm and supportive person.  I’m also taking Environmental Ethics (EE).  Next semester, I’ll be taking Animal Protection, and you can all bet that I’m sitting on pins and needles, waiting for that class to start.

My program is entirely online except for a week long residence in Maine that I will either do this coming summer or the following one.  The teachers are very good at keeping the class involved, and in my EE, the cohort of students is very active and supportive, and I think I have found at least a few possibly kindred spirits among them.  While the writing assignments are shorter than I’m used to, I’m finding them to be a good challenge in learning how to say what I want to say as concisely, and really thinking about which words to cut out, and what kind of message am I actually conveying.

I’ve also been somewhat busy with transcribing projects for my friend Elaine over the past couple of months.  They’ve made for some very busy days when combined with applying to school, and then starting classes. I’ve been working out pretty regularly (mainly running) except for the past two weeks when I sensed my body needed a break and also I had a lot going on. My roommate has taken over a lot of (okay, pretty much all) of the dog walking responsibilities with Morgan and has been training her on some great obedience skills.  Snuggles has become quite protective of me and claimed me as HIS, so Morgan has claimed my roomie as hers.  They’re best buds and it’s very heartwarming to see her go over and give him a hug several times a day.

In my personal statement to the IHE, I stated that I wanted to use my writing in combination with the degree.  I haven’t yet figured out what exact form that will take, but I do believe more writing on this blog is a part of it.  I just have to make it a priority, and return to that, I shall.  I need to get on a regular  posting schedule, and I’ve thought about doing a series of inspiring links on a regular (possibly, weekly) basis.   They could highlight positive, affirming websites that detail good deeds being done in this world, great podcast episodes that have had an effect on me, or videos, etc.  There is just so much negativity in this world that I feel like we need something like that to be able to count on, don’t you?!

And finally, I’m heading to Canada for 5 days next weekend and I absolutely cannot wait, for so many reasons! (You’ll just have to wait and see about that….)

Anyway, for the few of you out there hanging in there with me and still reading this blog, I thank you.  It ain’t over yet. 🙂

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By the way, if you’re shopping on Amazon, please do me a favor and click on my Amazon Affiliate link on the right hand side of this page.  It costs nothing to you, but I might make a few pennies for your having done so 🙂

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from the botanical garden, no filter added

An ounce of prevention is worth a pound of cure

As a veterinary receptionist, or as my official title says, “client service representative,”  I take many phone calls every day from owners who have pets with major health problems, yet have limited funds with which to care for them.  I would also count myself in their numbers, but luckily, I work for the animal hospital so I do get many services at a hefty discount and I am allowed to carry a balance.  (However, they do charge 18% on an unpaid balance, so it’s not such a huge benefit in that sense.)

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Many times per day, I refer callers to low-cost animal clinics, who, I am sure, get overrun with walk-ins or appointment requests.  A lot of times, I think the problems can be easily prevented.  Take, for example, vaccinations.

Many times, people don’t bother to get their animals vaccinated after they adopt them.  It may be ignorance – they just assume that the dogs or cats have received everything that they will ever need to get, by the time they are adopted.  (We definitely hear that from some.)  Or, it may be that they think the vaccines are too costly, and they might not take the time to actually call around and get pricing info on them.  If they did, they might find some low-cost vaccination clinics, or as is the case with my animal hospital, certain days of the week when the vaccines are given at half price.  Yes, HALF PRICE! There are also places like Vet-Co where you can go to get vaccinations.  Sure, they might not spend as much one-on-one time with your pet as they do at my hospital, but you are getting the bare bones care that is really NEEDED for your pets to stay healthy.

For dogs, these are the vaccines we generally suggest:

  • Distemper/Parvo (2 boosters and a third one that lasts for a year) starting when the animal is about 6-8 weeks of age.  Boosters should be given about 3-4 weeks apart.
  • Bordatella (commonly known as the vax for “kennel cough”).  Again, get boosters, and a third one that lasts for a year.  (Some places may say it’s only good for a year – check with the vet to see how long the one lasts that your pet is receiving.)
  • Rabies!!  Your pet can get a yearly vax as soon as they are 16 weeks of age.   Once they have had the one year vax, when they come back the next year, you can get a three year vax.

If you are going to take your dog to a dog park, or the groomer, please please PLEASE get them vaccinated.  I can’t tell you how many calls we get about dogs who have come down with kennel cough after they go to a grooming appointment.

Also, if you have a puppy, please don’t take them to a dog park or walk them on the sidewalks where a lot of other dogs venture, before they have had all their boosters.  This is something i never knew growing up.  Then again, as a kid, I never heard of parvo.  Parvo is one of those disesases that is very easy for a young pup to contract and which can be SUPER expensive to treat if you have your pet hospitalized.   Parvo is an illness that can be noticed by signs such as lethargy, vomiting, diarrhea (usually with blood in it) and many times, it can be fatal.  Pups with parvo end up not wanting to eat or drink, and if they do, they can’t keep it down, or inside them. (i.e., the diarrhea).  Oh, and when they have the diarrhea, trust me, it smells something AWFUL.  Parvo is something you want to catch early, because for young pups, it can be FATAL.

For cats, these are the vaccines we usually suggest (and require to board at our facility):

  • Feline panleukopenia
  • FVRCP
  • Rabies (once they are 16 weeks of age)

Many times, people think that if cats don’t get outside, they can’t contract something contagious from other cats, or contract rabies.  Well, have you ever had a bat fly into your house?  Because I have.  And while I don’t intend to make people afraid of bats (because they are actually kind of cute in their own way), they are known for being carriers of rabies.  Or, if your dog gets into a fight with another dog that has not been properly vaccinated, (and, especially if yours has not been also), it might be at risk of contracting rabies, and therefore, passing it onto your cats.  So, at the very least, get them vaccinated for rabies.

Another good preventive health care step to take for your pets:

SPAY AND NEUTER!!!

I cannot stress this enough, and I KNOW my friends who volunteer at shelters or sanctuaries will back me up on this — there are SO MANY unwanted pets out there in the shelters.  So many shelters, whether it be for lack of funds and/or lack of space, euthanize dogs and cats on a daily basis.  And SO MUCH of it could be prevented!! It really could!! Spaying or neutering is also good for their health! It can prevent a lot of problems such as a higher risk of cancer and plyometria (which requires surgery, pronto), just to name a few.

While people may be shocked to hear what some hospitals charge for spaying and neutering, they should ask some questions when they are calling around for pricing:

  • Do you have any wellness plans that can bring down the overall cost to me or provide me with additional services that I can utilize all year long? (We do!)
  • Do you know of any low cost spay or neuter clinics when I can have my pet fixed (or “altered” as we call it) for a fraction of the full price?
  • Are there any shelters or sanctuaries that provide spay or neuter services to low-income individuals?
  • Do you base your pricing for services on the income of the pet owner? (While it’s rare, some do.)

Keep in mind, also, that some cities, such as Albuquerque, charge pet owners more per year to have an intact pet than a spayed or neutered pet.  It’s part of the city’s way of encouraging owners to be responsible owners.  So in addition to preventing a lot of unwanted animals and health problems for your pet, why not save yourself some bucks, and do the responsible thing by getting your pet spayed or neutered? 🙂

If you do end up having a health emergency, ask the hospital if they do take payment plans, but be prepared to hear them say “no.”  Many don’t.  But many may take something called Care Credit, which is a credit card you can use for your own health or that of your pet. While it is a lifeline to some, and can give them some breathing room because the hospital can offer to input certain promotion codes depending on the charge applied (for us, it’s 0 percent for 6 months if the charge is over $200), keep in mind the interest rate that kicks in after that promotional period is pretty hefty.  As in 26.99 percent. Let me write that again.  26.99%.  To anyone who applies for it or uses it at my hospital, I tell them to make sure that they either get it paid off or make sure that balance is transferred off the card by the time the promotional period ends to avoid that hit.  Because it’s huge and who can afford to pay interest at that rate??!!  I certainly can’t! (And please don’t think I am endorsing Care Credit, I just mention it because like I said, for some, it is a lifeline when they can’t bear to say goodbye to their pet, but can’t afford the hefty vet bill all at once and don’t have other means to pay for it, credit card or otherwise.)

If you have enjoyed this post, or think someone can benefit from it, please do share it and pass it on! And please drop me a line if you have a comment or suggestion.

And please note that all the opinions expressed herein are my own and not that of my hospital. I only speak for myself in my posts.

Finally, if you do shop on Amazon, please use this or the link on the right side of this page.  I’ve become part of their affiliate program, so if you buy something from Amazon, I will get a fee equal to a small percentage of the sale, but it costs you absolutely nothing!! Thank you!!

Updates: Amazon Affiliate Link, NaNoWriMo, Book Reviews and Changes to the Website, and THANK YOU!

12191988_10153486362779930_4135425328327321119_nSo, this has been an insanely busy week every night after I’ve gotten home from work, so I’ve not been able to update the blog much other than responding to comments (which I love by the way, so please keep them coming!), but I wanted to give everyone an update of what is going on in this little circle of my world.

First, a HUGE thank you to everyone who has responded to and read through my post on my financial picture. I agree, cutting expenses even more will be difficult (but that doesn’t mean I can’t do it), so I need to add to my income  if I’m going to have much hope on paying off the RV and car early. So my plan so far is this (and  not necessarily in this order):

  • bust my butt to get a second job (have started making calls to local businesses and will be grabbing applications after work this evening and coming week)
  • send in my invoice to my author for work I did before I moved out here
  • become an Amazon affliliate (this has already been done, please see the link in my sidebar)
  • write an ebook (or two or three, as much as I can inspire myself to get down on paper!)
  • start learning more web-based and other marketable skills through Lynda.com (my employer has obtained access to this for all employees, so it will cost me nothing!)

Second, yesterday, a co-worker mentioned NaNoWriMo, which I have heard about before but never taken part in. No good time like the present to join in the fun, right? The goal is to write a novel in a month, and it is a huge community of writers who attempt to do the same thing. The goal is ostensibly to write 50,000 words in a month and there are forums you can join, prompts you can use, etc., to get that creativity flowing. I plan on using this to keep me motivated.

Third, in case you’re unfamiliar with the Amazon Affiliate Program, the way it works is that if you shop Amazon through my affiliate link, it doesn’t cost you anything extra, but a small percentage (I’m not sure of the exact amount) will be then returned to me in consideration of my having the link on my website.

Finally, you may notice I have a page on my blog called Helpful Books.  It has languished a bit for a while but no more! I plan on adding resources to this as well as book reviews. If you have a suggestion of a book to read or a resource that has helped you, whether it’s on budgeting, RVing, living frugally, inspiration to live your dreams or life your way, etc., please let me know! (There’s an easy way to do it by just filling out the form on that page too.) I’ve already received a suggestion or two on books to add to that page, so stay tuned, those will be added shortly.)  🙂  I am also hoping that I can learn some new skills through Lynda.com, as mentioned above, to update and customize this website as well. It might involve paying for a blog theme, instead of the free one that I currently use, but let’s see what I can learn and do on my own first!

Have a great weekend, everyone, and as always, thanks for reading!

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Thank you for shopping Amazon through my Affiliate Link! Every little bit helps, and it costs you nothing to do so.