Hindsight x’s 20 (Advice from the poor house )

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Please NOTE : I actually wrote this several months ago and it is aimed at the working class, particularly younger folks who are just starting out. It is the BEST advice I can give you! Perhaps old-fashioned BUT advice I wish I would have heeded when it was offered to me many moons ago.

Hindsight x20

I don’t know about you but I have always had to work hard for my money without a lot of extra to show for it. Luxury homes, car notes, dining out on a regular basis, and extravagant family vacations were never in MY budget. I think I’ve been to the movie theatre maybe three times in ten years. HUGE waste of money in my eyes.

Mind you, I am not complaining. I have always been pretty frugal and life was good in spite of the financial challenges. I certainly never considered myself to be poor or needy until now.

Still, I am sure that in my working prime, there was at least a period of 20 years when I probably wasted $5 a day more than I needed on items that I would not have missed otherwise. Ahhh yes, frivolous every day spending on everything from take-out to those impulsive ( not-on-the-list ) purchases at Walmart. Heck I probably could’ve saved $35 a week on groceries alone and still ate well.

Hmmmm…

$5 a day x 52 weeks a year, multiplied by 20 years is $36,400.00, straight up! WOW, and that’s if you just kept stuffing it under the mattress and never touched it otherwise. Imagine, if you were able to get some sound investment counseling, what that figure might soar to.

Even on a smaller scale. $3.57 a day x 7 days is $25 a week x 52 weeks a year, multiplied by 20 years is $26,000.00 or there abouts.

Remember, that’s money you wouldn’t even miss! It’s amazing!

And little disheartening for me considering, that IF I had that money available to me over this last 20 months or so, I would have been able to pay my bills and still had money in the bank.

My husband and I actually had a tiff the other day about this.

I’d gone to Dollar General, with the intent of spending at least $30.00 so I could take advantage of a $5 off coupon. I spent just over $30 and I got enough food to feed us for three days and other essentials . I also got non-essentials like cookies, Reese’s cup, and two bags of honey mustard snacks from the $1 aisle. Yes, my $5 savings was spent on snacks.

I was pleased with my purchases but noticed my husband grow sullen as he put stuff away.

He said, I was being frivolous with the snacks. I was appalled by his accusations. But my husband of scot heritage takes being frugal to a whole new level. CHEAP might be a better word, and I told him so.

Yes, he went too far in my estimation. And even he apologized for reacting the way he did once he had time to cool off and think about it.

But it did get me thinking about it and I got out the calculator the next time he left the house.

While my trip down the snack aisle isn’t the best example, it does prove a point.

We all do it and we all do it on a regular basis. I don’t care whether you make $15,000.00 a year or $150,000.00 a year.

There’s always room to sock a little away, and not even miss it.

I mean seriously, who here couldn’t benefit from an extra $20,000 dollars right now?

I know I could!

Hindsight is 20/20 they said. Sighs…

Awww Geez! Now what?

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Well, here we are on the 29th day of September and I think it’s time to admit that I feel as though I have painted myself into a corner, particularly where this fundraiser is concerned meaning more than five months ago, I set a goal for this fundraiser of $3000.00.

I didn’t want to seem GREEDY because I am NOT. And it seemed a reasonable amount and would have been I think but I underestimated the time in which it would take to get this far. Also, I never imagined that we would still be unemployed or that we would still be struggling in the day-to-day .
There I said it!

Please realize that was really HARD to say!

A few weeks ago I was so discouraged that I felt like throwing in the towel, dismantling the blog and bidding my farewells to people who have become VERY important to me and crawling under a rock. Then I realized that by doing so, by giving up, I would be serving up a GREAT injustice to ALL concerned. And yes I realize there are many concerned, and I feel really responsible for the messages I send out to my readership.

Aside from the fact that it is just NOT financially feasible to just GIVE up now. Fact IS we still need you.

That being said, we have raised $2805.00 to date! SO YAY!!!!! We are so thankful to those who have supported us and continue to support us! And believe me, we still NEED continued support. At the same time I hope to make a difference to others who may be facing similar circumstances.

SO with optimism and a lot of needs left to reckon with, we continue on this journey to getting our life back. I ask that you try and forget that initial goal. The goal now is to become whole and self-sufficient again. Whatever that takes.

AGAIN … Thanks for patience, understanding, kindnesses and support.

YES donations are still VERY much needed and appreciated .

Please be assured that WE are still doing EVERYTHING and will continue to do everything in our own power to improve our own situation.

– God Bless

P.S. I took down our needs page because even I became OVERWHELMED in reading it.

But the short list for today is 1) mortgage 2) overdue electric bill 3) We are still living with plumbing and trash disposal issues. Again this is the short list.

If you’d like to help DIRECTLY with/to a specific need, please inquire. I will gladly provide details.

Thanks Again! 🙂

God’s Lesson Plan for the day…

Needed this reminder today ….

The Abuse Expose' with Secret Angel

Sometimes with all the different voices and turmoil around us, we just need to stop and listen. We need to get into God’s Presence, remember His promises, and wait on His answer to our questions for Him. He wants to help us and guide our path.  Only He knows His plan for our lives and will always speak truth to guide us. His promises to all of us are true. Just learn to listen and believe the Voice of Truth.

“And because of His glory and excellence, He has given us great and precious promises. These are the promises that enable you to share His divine nature and escape the world’s corruption caused by human desires.” (2 Peter 1:4)

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Light… glorious light ….

horsemafia

‘Along your ride called “Life”, you may encounter rough storms. The dark clouds and unrelenting winds may bring feelings of sadness, grief, depression, anxiety or maybe even anger or resentment. Keep Riding. Just ahead, the clouds will disappear, the winds will blow over and you will find your peace. It is now that you become the bright light for others going through their storm. If you can, help them through it.’
~–Unknown–~

Photo: Copyright © 2013 The Horse Mafia.
Photo and artwork in its entirety: Copyright © 2013 The Horse Mafia.