Yesterday I told you that my gym had failed to credit me $20 that I had been charged in error.
Well now I’m blushing. I send a nice email asking about it and they sent one back saying “please check again.”
I did and they were right. I had been looking at the wrong month!
So I sent [...]
Several weeks ago when I was doing my almost weekly checkbook reconciliation I noticed an odd $20 charge from my gym. I hadn’t heard from them and was surprised, when I called, to discover that for some reason my automatic payment had been declined.
It turned out they had tried to send me a notice, but [...]
As a self-employed freelance writer I often generate my own contracts or letters of agreement. I’ve never had any formal legal training, but years in the real estate business and just living life has taught me a surprising amount about contracts that work. Actually, I usually refer to the ones I write as Letters of [...]
Continue reading about Of Contracts, Letters of Agreement, And Rates
Mid-month I wrote about Getting Out Of Vagueness, Again. I talked about how I wasn’t doing my morning meditation and wasn’t entering my numbers, which I consider part of my spiritual practice.
Well, I didn’t do it then, or at least not consistently. A major excuse was I was first trying to find a new place [...]
I’m also a freelance writer - my writing blog is now at www.aboutfreelancewriting.com - which means my income is uncertain. I have savings that help smooth that out nicely. Even so, I get confused!
I need to move and I thought I had a cool studio with a separate office, and a yard, complete [...]
Okay, okay, the truth is keeping my numbers isn’t something I always do very elegantly. It’s a developing practice. And yes, I do try to include logging in my receipts as part of my meditation, but… The truth is I’d gotten way way behind… this has happened before and I know the only [...]
I don’t know about you, but the word budget conjures up visions of constriction and rigidity. On the other had, spending plan sounds gentle and expansive. So I don’t budget, I create spending plans. Okay, I’ll admit, this is, at least in part, a mind game, but why not? After all, it’s my mind [...]
Dave Ramsey, who teaches folks how to get out of debt and stay out of debt, hates credit card debt. Small wonder, when you consider credit card debt is unsecured and the cost, or interest rates, are, for the most part usurious. When you realize that, at 18% you’re paying $18 for every [...]
Once you’ve got at least a couple of weeks worth of numbers written down, it’s time to put them into categories – like rent, transportation, debt, food, medical, self-care, savings, gifts, clothing, and the like. Your list will vary reflecting your life. The free, printable worksheet at Simple Debt Free Living will give you a [...]
If, like me, you tend to be vague about your money, if you tend to not open bills when they arrive or to ‘forget’ to pay them on time, or if you discover you’re unable to pay the minimum on your credit card…
A good first step toward getting clarity on your finances is Keeping Your [...]