Tuesday, January 1, 2013

Happy New Year - 2013

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Well, well, well... and I sincerely hope you ARE well! Thanks for reading! - Today is January 1, 2013... the first day of the new year... time to revisit and revise the bucket lists.. the short term and the long term lists.
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One thing that keeps popping up on my list: SAVE MONEY... as in "PUT MONEY IN SAVINGS" ! That should get crossed off at least once, one would think? Somehow, I maintain a level of pent-up demand such that when I do acquire (earn or receive) a bit of cash, I can immediately find a use for it! Nothing goes to savings, or at least, not for long. So, today, I began reading personal finance articles online to realign my thought patterns with a savings attitude. I learned a few things...

(1.) It is totally possible that I sabotage my savings attempts! There are multiple vices at work, including but not limited to procrastination, weak goal-setting, and lack of accountability.

(2.) I am hoping for a miracle... lotto, Publishers' Clearing House Sweepstakes, super job opportunity, gold strike, etc... when what I really need to focus on is securing a steady income.

(3.) I don't have a budget. Well, honestly, I shunt responsibility on this one, claiming that without a steady income, budgeting is impossible... yet, I still have bills to pay like car insurance and cell phone!

photo courtesy of www.freedigitalphotos.net
What to do? I have a nice little crochet business going on Etsy.com. I even call it My Little Crochet Shop.  I have one, maybe two, textbooks I can sell on Amazon... might rustle up a few items for eBay, but those are only short term shots. With a steady check, those extra shots could go to savings... did you notice I said "could" ... phooey. Am I still not on board?

So, my most promising hobby right now, until the US government again makes it unlawful to do so, is gold panning. It produces only a little every day I pan (no where near an ounce per week), but with patience, practice and persistence, those little bits will add up. Location is not the limiting factor, oddly enough... but self-discipline.

I just had that AH-HAH! moment... when I've finally put my finger on the problem... I need an accountability partner!

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