Budgeting

Tis the Shopping Season……

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The first day of November…. temperatures are cooler, it gets darker sooner, pumpkin is everywhere and in everything.  The best part of November is people are starting to get into a holiday mood.  I know, it is EARLY but the stores have been decorated for Thanksgiving and Christmas since the beginning of October.

With the holiday mood comes lots of shopping, right?  How many of you have suffered from “buyers remorse“?  Whether it was a $25 item or a $1,000 item, we have all been there.  You start by shaking your head wondering what you were thinking.  Then you think how you could have spent the money on something more worthwhile.  This leads to regret and being mad at yourself for wasting money and going into debt.  Okay, this may be a little extreme for a $25 purchase but if $25 is out of your budget, you know what I mean.

You vow to never make the same mistake again.  I mean doing the same thing over and over again expecting different results is insanity, right?  So, the next time you get ready to make a purchase not in your budget, ask yourself these questions to help you make a better decision….

1. Can I afford it?

If you can’t afford it, then you should not be getting it.  It’s really simple.  By affording it, I don’t mean putting it on a charge card so the great deal now costs you twice or three times as much. I mean, money in the bank or cash in hand.

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2. How long did it take to earn the money to pay for it?

Think about this: If the item is $100 and you make $20 an hour, then you had to work 5 hours in order to purchase it.  If it is’t worth you working 5 hours for the item, then you may end up regretting the purchase later.

 

3. What else could I spend this amount of money on?

What else could you possibly use this money to buy. This reminds you of about your goals – paying off debt, saving for a trip, etc.  It helps you decide whether or not you truly need to make the purchase.

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4. What mistakes have I made in the past with a big purchase?

Let me count the ways… oh, no let’s not because it will open the door for the inner gremlins to start bashing me!  Have similar decisions in the past made you happy or have you felt regret.  You never know, you may be about to make the same purchase mistake yet again!

5. Can the large purchase wait 24 hours?

If the purchase can wait 24 hours, then you should delay it. This let’s you think about the purchase longer.  Believe it or not, you make a more rational decision about a large purchase after you think about it for at least 24 hours.  Wouldn’t you be surprised, you realized you didn’t need the item at all!  The more time passes, you tend to forget, which means you most likely didn’t need it.

7. Where can I find the best value?

Shop around at other stores – even thrift stores.  Check both offline and online.  Prices can vary from store to store, as well as online, so get the most bang for your buck.

 

 

8. Is there a return policy?

Regardless of the purchase, return policies are important. I mean if you aren’t 100% sure, you want to have the return option for a refund.

9. Do I really need it?

Sounds easy right?  Truth is, it is the most important question to ask when making a purchase.  Really dig deep and ask yourself this simple question. You may think you need it, but is it a want or a need?  “Wants” are fine, as long as you are realistic with your budget and your spending. Living paycheck to paycheck, have a large amount of high-interest rate debt, or anything else, then you may want to skip any splurges and stick to what you REALLY need.

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What do you do before making a large purchase or making a purchase not in the budget? Share your best tips with us…

Have a ThirtyOne-derful day!

 

 

Home Office

Is Your Desk Ready for Success

e1c0f24f5e17429895626f49a8c12f36Whether you run your own business or run your household, we all want to be successful, right?  Did you know that making your space more functional and clutter-free can open you up to all sorts of opportunities?  And you thought getting clutter-free was just about tossing things!

Today we are going to Feng Shui your desk.  Many years ago, I read a lot about Feng Shui and actually used it in our home.  My goal then was for peace and love to fill our home.  It wasn’t long before hubby came into our lives “out of no where”.  Coincidence, maybe?  God’s timing? Definitely.  But I was also open to the possibilities.

Feng Shui is a practical science for our living space.  I believe that when we apply the principals of Feng Shui to our space, it also changes our mind set.  The whole Law of Attraction starts to work.  The idea is that you energize your business and your life by cleaning out and moving things around a bit.

Here are some tips from Jenn Aubert of LearnSavvy

It all starts with a Feng Shui map called the bagua.  You overlay it in any area in your home to help promote supportive and beneficial energy.  Here is the basic bagua:

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Sit down at your desk and place this right in front of you… where the career is nearest your lap.

WEALTH & PROSPERITY:

To invite more abundance and wealth into your life, place a healthy plant or a symbol of wealth in this corner. Plants symbolize growth. Find a plant with lovely rounded edges or even a money tree (yes, there is such a thing). You can also place objects or images that represent wealth to you or something that you hope to afford once you’re abundant. Have some fun with it   Location: Upper left

FAME & REPUTATION

Boost your reputation by focusing your accomplishments here. Add a name plate, awards, credentials or a recent positive review. This is also the perfect place for a lamp or candle! Location: Upper middle

PARTNERSHIP

Place a picture of your business partner or a photo of your honey in this corner to help promote those relationships.  It’s the ideal location for a lovely vase of fresh pink/red flowers.  Location: Upper right

FAMILY & NEW BEGINNINGS

Keep pictures of your family here to boost your familial ties. It’s also a wonderful place to promote new projects you may be working on or want to work on. Add something made of wood or the color green to enhance and promote new beginnings.  Location: Center left

HEALTH

This is not only for the health of your business but also personal health. Keep it clutter free and tidy! It’s easy to have piles of stuff in the middle of your desk but it needs to be as clean as possible! You can add earth elements to enhance including rocks, stones or earthen items.  Location: Center middle

CREATIVITY

Boost your creativity by placing items here that inspire you. Keep your notebook or journal here to capture those aha moments. Boost the area with items made from metal such as gold, silver or copper.  Location: Center right

KNOWLEDGE & SELF-CULTIVATION

Are you ready to learn a new strategy or simply increase your knowledge? Are you looking to improve your mindset and boost your self-confidence. Keep your favorite books here that you refer to often. Location: Bottom left

CAREER & LIFE’S JOURNEY

Front and center! This is the perfect place for your computer. To further enhance your career have an image of water as your screensaver to boost abundance of opportunities.  Location: Bottom center  YEAH!  I got one out of 9!

HELPFUL PEOPLE

Keep your appointment book, calendar, client files, phone and list of people you want to connect with here. Location: Bottom right  YEAH!!! #2 out of 9!!!

You are thinking – I thought my desk would be clutter-free!  These items don’t have to be large. Believe it or not they are probably already on your desk.  Just moving them to  a different place can boost the energy of your business.  I challenge you to try this for 30 days and then let me know what happens.

Have a ThirtyOne-derful day!

Travel Tips

Travel Thursday – Asheville, North Carolina

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Asheville is a city in western North Carolina’s Blue Ridge Mountains. It’s known for its vibrant arts scene and historic architecture, including the dome-topped Basilica of Saint Lawrence and the vast 19th-century Biltmore estate, displaying artwork by masters like Renoir. Its Downtown Art District is filled with galleries and museums, and in the nearby River Arts District, former factory buildings house artists’ studios.

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I have been a sand in my shoes girl all of my life – never wanting to get too far away from the smell of the ocean or the chance to sit by the water and ponder the blessings in my life.  Then my daughter went to North Carolina for college.  Our first trip down was full of wonder at the beauty of the mountains and the trees.  We didn’t spend a lot of time doing much more than moving her in to her college dorm before heading home.

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Over the last 8 years, we have come to love this area.  The small towns nestled in the mountains but close enough to the city to have some fun.  We have been exploring parts of Asheville each time we visit – from shopping to the farmer’s market to the quaint little restaurants.  We had an AWESOME breakfast here….

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Of course no trip to Asheville is complete without stopping by the Mellow Mushroom

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I love to use my Go To Tote to hold those little treasures that we find while strolling through the Farmer’s Market.  It has LOTS of pockets on the outside and room on the inside.  So when I am not keeping my treasures safe, I can use it as my purse.

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Along with my Double Up Crossbody which is great for shopping hands free!

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I am counting down the days till we head back to the quietness of the mountains and get to explore more of what Asheville has to offer.  If you have visited this area or better yet, if you are a local, what are some of YOUR favorite spots?  We would love to check them out on our next trip.

Have a ThirtyOne-derful day!

Source: Courtesy of Free People