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.
photo courtesy of www.freedigitalphotos.net
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!