A PLACE TO LEARN THE BASICS OF FINANCIAL MANAGEMENT – BY WOMEN FOR WOMEN

Archive for August, 2013

The Bright Side-2008 and Now

In 2008 the financial markets were suffering, and so were we.  The media reporting of the Dow was continuous and we were given minute-by-minute micro reporting about the state of our economic system here in the U.S.   The only ray of sunshine I found in the reporting was from an article called “The Bright Side”.  To learn more, please click here.

This might be a good time to reflect on how you felt in 2008 and to think about how we all arrived to 2013 (when the Dow hit 15,000).

Money is not all about numbers, it is also about feelings and emotions.  Please read the article and enjoy.

 

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Debra Hadsall

My Monkey Mind – Change and the New Normal

monkeys

My monkey mind postings relate to Buddha’s description of the human mind as being filled with drunken monkeys, jumping around, screeching, chattering, and carrying on endlessly. These postings come from my monkey mind.
 

 It is interesting how we get into habits and then something changes such as a move to a new area.  Then we find ourselves learning new skills, experiencing a different lifestyle, meeting new people, and become more observant.

First, with our recent move from a small town on the Gulf of Mexico, to the hill country of Texas, I do not currently have daily access to Internet.  What used to be a simple phone call to the local cable or phone company to have service connected in a home in town just doesn’t work in the area where we live outside of town.  So I have become good friends with the Yellow Pages and my new hard-line telephone.  I can’t even research Internet providers on-line unless I go to town and where I use a connection in the library or McDonald’s.  However, at the library I discovered it has great Internet access and a generous check out limit of 25 books per person.  Apparently lots of folks home school children so the library accommodates their needs with this limit.  Nice and we all benefit.  My other Internet stop is the local McDonald’s.  I have seen that it is the hang-out for other Internet users and, more interestingly, the local elderly gentlemen who meet and have coffee in the morning or ice cream in the afternoon.  I have learned a lot about ranching, farming, trapping “coons”, trucks, farm equipment, families, friends, and Johnny Manziel (the Heisman Trophy winner who is from the city next door), during their conversations.   No, I am not eavesdropping; these southern gentlemen can be clearly heard by all.  They make me smile.  Like I said, a change in environment teaches us new skills and forces us to pay more attention to our surroundings.

I have learned to be grateful for the guy who climbed up on the metal roof of the house in 100+ temperatures to see if his company could provide Internet service. When he told me they couldn’t, I was so busy wondering what to do next that I didn’t even react when I realized he had mentioned the word “sweetheart” when delivering the bad news.  Not my favorite term.   I decided that any man who lives in south central Texas and climbs on a hot roof in the Texas sun may call me whatever he wishes.  Still, no Internet and on to the next option.  I think the end is in site, but only when I sit at this table and use the Internet will I declare success.

We put a hardline telephone into our new place since half the time our cell phone calls drop.  Not having had a hard-line phone for personal use in a home for a very long time I decided to get the basic package with local service only. Stacks of costs for phones make me crazy and my preference is to use cell phones only.  So I was proud of my cost conscious decision to save $50 a month and not have long distance, voicemail and all that other stuff.  I reasoned that I could just use a prepaid long distance card and buy a phone with an old-fashioned recorder.  Never mind that I used to make fun of my Mom’s use of the recorder rather than voicemail   It only took me a visit to Wal-Mart, the local grocery store, and a popular convenience store to find out my calling card knowledge was lost in the stone ages.  I could buy cards to call Mexico, cards to add minutes to almost any cellular phone plan, and cards for international calling (which were kept in an enclosed plastic case) but there weren’t any cards for prepaid long distance.  Not giving up, I journeyed from the store to the library where I went on-line and found that yes; I could buy calling card access.  I purchased 300 minutes and felt like I was redeemed.  My plan worked.  The other night my husband was going to make a long distance call from our new hardline phone.  I told him I would dial it for him because I knew how to make it happen.  He informed me he could dial a phone by himself.  In the end, I did it for him since I had been practicing with that old-fashioned calling card.  New habits, new people, new experiences.  While we will never be back to our old normal, we will be up to a better than ever normal.

Until Next Time

Debra Hadsall

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Begin with the End in Mind–End of Life Stuff

I am on a short break from blogging about women and money so I can complete a booklet about creating a concierge service for seniors.  The end is in sight!

Fortunately I have friends and business associates who send me tips about topics which are of interest to all of us. 

One friend is a young woman who is an attorney.  She actually likes legal stuff but knows most people don’t.  She told me to check out the site http://getyourshittogether.org/ . I did just as she told me and found it is a great site to reinforce the need to begin with the end in mind and get your stuff together.

Please take to time to read about the creator’s personal story and to use the information there to push you into action.

Personally I know it is a drag to do all the paperwork and planning.  I just finished putting together a new packet of info with updated wills,  banking information, insurance information and other stuff to give to our adult son …just in case.  As a young person and teenager  I always told him where our important documents were stored in the house.  He used to ask me why he couldn’t have a mom like the ones other kids had.  I told him most moms weren’t financial advisors and hadn’t seen what I had.  As an adult he now gets why all this stuff is important.

Until next time

 

Debra Hadsall

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