Hi everyone! Wanted to check in with a vlog today to tell you what’s been up lately and why I’ve been quieter. Not going to text it today – busy working, but here’s the vlog:
You don’t want a Tax Lien like Lindsay Lohan– actually, she has a few, not just one lol! ::) You’re not the only one to mess up with your taxes, what about the governments in most countries? And, do you think they’d apologize? Nope! I’d like to put tax liens and apply foreclosures on these people! Sleepless nights for sure, but what a JOY! LOL!
I do it every year Yoan – well, almost. I just suck at numbers. I’m compliant. Nothing I’ll get in trouble for, but sometimes th eballoon stresses me out when it’s due. Relieved not to have one now!
I think it stresses me out so much because as a child, one year my dad, who was a self employed insurance salesman on the road, had family friends staying with us who threw away a year’s worth of receipts he had saved for tax purposes. They thought they were helping him out by cleaning. But the IRS said he then couldn’t claim all years’ worth of expenses (100% of his life) and they harassed our family, threatening to put us in foster care, etc. Years later the woman who said that was arrested for embezzlement. Sweet! Still, they’re corrupt and make me nervous.
Ah, I understand! Childhood trauma! My parents run into debts at some point when I was a child ( not big but enough for the entire EXTENDED family to MEDDLE in my parents private financial affairs and FEEL CONCERNED and point out that my parents were bad parents etc” Needless to say I HATE ALL OF THEM NOW! They never saw me afterwards! lol– Funnily enough now, all of them have kids who are DROWNING IN DEBT AHHAHAHAHAHA!!!
Being noisy and not too dense , I understood what really happened at the time and it was just a common case of bad budgeting! It was resolved within a year but the trauma was there! After that, my relation to money was never that good! Needs big improvement and I will work on it! Well, Tiff, I am glad to say this: we have something else in common now! xxx!
You’re right, 6 figure is not a lot when you have a family and want the best colleges etc! 6 figure will be perfect for someone SELFISH and EGOTISTICAL like me! Joking aside, I know the “miminum payment” thing with credit cards– I had 6 at some point–! It was ridiculous and when I was in college I really thought it was MINE!!! What a SHOCK when I realised the many minimum payments represented a BIG CHUNK of my earning money, which meant that my purchasing power was SMALL! So, all in all and with all the extra expenses you get when you finish college, I was better off milking the banks for a few years than after I got my first job! I am trying to be better with money…it’s going to take a while! It’s a mindset! Better go finish these lenses then…still paying off a student loan from 2007 by the way…We are all in it together….that’s what politicians say…ummmm…xxx Yoan
Exactly. Take 30% off the top and then private school tuition of $25k, college, debt, etc. Ick! I WISH I only had 6 Yoan. Oh yeah I paid off student loans not too long ago. LOL
Totally understand what you are talking about Tiffany regarding bills and tax.
My partner and I both got a tax refund this year which was really nice and thankfully after spending a few years prioritising paying off debts we have been debt free (apart from the mortgage which will finish in 8 years) for a couple of years which is a fantastic feeling.
It took a lot of discipline and hard work but I am so glad we chose to do it as it gives me a great sense of security in knowing what we earn is ours (apart from the tax man’s cut of course) to save or spend as we want.
Those few harder year’s of going without holidays and living on a budget means we now reap the rewards and can also seriously start looking to our future as we both would love to “retire” when we’re 45/50 and travel…
Glad you are getting money back this year Tiffany-Yay!
It is a lot harder to work creativly when you have a weight on your back. Glad your weight got knocked right off!
When you are talking about the Google+, do you mean just the basic message that you can send out, or is there some other area of Google+ that you are using?
1. I’m intrigued by Squidoo but I’m reluctant to put effort into building lenses because Mr. Godin could pull the plug if he decides to go a different direction all of the sudden. What’s your opinion?
2. With all your experience – if you had to start over – and you could only use one form IM…what would it be?
1.) Squidoo has always been nice about allowing you to take your content elsewhere if they decide to ban a topic, etc. If you’re concerned, just keep a copy of the content on your hard drive. I’ve been there since 2006.
Funny how money can cause such a visceral response. If a successful marketer like yourself gets butterflies, is there any hope for the rest of us?
Glad you got good news this year — better to pay upfront over time than get hit with a bad-news bolt in April.
{And I am seriously looking at defecting from California here – the land of ‘gouge those that produce to help those that won’t’. Looking at maybe Austin, TX or Charlotte, NC – any input?
Yes it does. I’ve always had butterflies. It’s when I DON’T feel nervous that it gets me in trouble.
TONS of people leaving Cali for Texas my friend. Texas has one of the best economies. I LOVE my state. Perry’s even trying to get them to give us back all the extra money they have in the coffers.
Hi Tiffany:
So glad to hear your stress level is down and your doing better. That’s great. I am working on some Squidoo lenses and also doing a little Amazon Affiliate marketing. As far as your Google Plus idea, that’s great. Maybe something for us all to use. I might give it a try. I guess you give the Jan Roos course a thumbs up, since your going to build a Squidoo lens on it? Take care and have a nice weekend. Sam
Oh boy, I suck at money management…most of the time. I can do good, and I do good, but then I get lazy and it all goes to hell.
I could write you about ten paragraphs on our financial situation right now, but as I was watching your video I got a delivery. My mom sent me my first ever chocolate covered strawberries from Sharis Berries. So, all is right with the world at the moment. I may be homeless next week, but I have strawberries. What more could a gal ask for? LOL
On a serious note, when you make more money, it does take more money. If you lose a big chunk of your income, you figure out how to adjust and live on less. That’s just the nature of the beast.
So true, Patti! Even big movie stars have to downgrade at some point! It’s a case of managing the beast as you say! And, just like everything else in life, It goes UP and DOWN and UP and DOWN and UP and DOWN! Even for Mr Buffet!! Let’s celebrate the fact that we can work, make money and pay taxes (well that one sucks but it’s necessary..) I try not to moan too much about taxes these days because so many HAVE NOTHING! We all here have GOLD in our hands and brain, so it can only improve and as Tiff often says, she doesn’t care if something falls through (Squidoo, Google update), she’ll adapt! Pragmatism, my friends, pragmatism! Enjoy your strawberries! XXX Yoan
So true, Yoan, life is definitely up and down, up and down. We’re pretty down right now, but celebrating life as it is.
I know what you mean about so many people having nothing. We get so wrapped up in our “ugly brown pillows” (to use Tiff’s pillow example..lol) that we forget there are people who would love to have them because they’re sleeping on a park bench with barely a jacket to even cover themselves.
I think sometimes we have to get knocked down quite a few times before we find our groove. I’ve been knocked down quite a lot lately, and that’s okay, as long as I’m learning and growing.
Chocolate covered strawberries? I’ve heard of them, but never tried them. I’m not a fan of white chocolate – never was. They use too much wax in the white and I can taste it.
I shouldn’t be eating chocolate, period… but you only live once eh? Enjoy your indulging!
Bonnie, these are my first too. I’m not a huge fan of white chocolate, but it does make stuff pretty.
My daughter was telling me about a chocolate fountain at a restaurant in her town. I think I’d like that much better—much softer, this chocolate is a little hard to bite into. With a partial plate in the front, I have to cut these up. But I must admit, I could eat a lot more strawberries if they were covered in chocolate. Yum!
These are a beautiful gift for someone special though, especially if they’ve never had an indulgence like this.
I’ve always been pretty good with money. In my case, I think it has a lot to do with the fact that I’m handicapped and know that I cannot afford not to plan for the future.
It’s like if I have x amount of problems while I’m still relatively young, imagine how much harder it’s going to be the older I get. I also think it’s probably why I took business classes in high school and college.
I do have to admit that I wish I had the luxury of being like one of those carefree kind of people. It seems like it would be really fun. With that said, I’ve also had people tell me that it’s far better to be reliable and what not.
I think there can be a happy medium. I just haven’t found that yet. I kind of have an all or nothing personality thing going on where I succeed and exceed all exceptions or fall flat on my face. I need to work on that.
Congrats on your earnings increase. Mine have also gone up. While the thought of taxes stresses me out, it something that I can accept and take into account when making money — like a Clickbank or Paypal fee. It’s like saving money. Once you get into the routine of saving money, it like happens on autopilot.
For me, money is very much a security blanket. I prefer to have money than to have stuff. Nowadays, all of my stuff is directly deposited. Because of this, I sometimes have the urge to take money out of the bank just so I can touch it, and then, put it back…ha, ha.
I think everybody goes through that phase. There was a time when I had every kind of charge card imaginable… even an American Express (who requires you to pay the full balance off every month!)
Luckily, I got smarter as I got older and cut up all the cards except one.
Imagine having a credit card with a 10,000 limit. I had one. NEVER again!
The one I kept now has a lousy $200 limit on it, but that’s the way I like it. The partner has a card with a $300 limit – again, this is truly a blessing where he is concerned. Money burns a hole in his pocket.
I used to be horrible with money. I never saved, blew through a small inheritance, then went into debt for that amount again and took years to pay it off. These days I’m super-sensible, so at least i learned my lesson, but I wish I could give my younger self a good smack lol I really envy those people who had good money habits from a young age.
I’ve probably gone a bit too far in the opposite direction now. I’m currently trying to talk myself into buying a new laptop that I need (my current one is 5 years old & really struggles with the graphics work I need to do). But I just want to keep the money! It can be hard to get a good balance sometimes.
I’m much better with cash. If I never see my money (paypal or bank account) I can’t hold on to it. Give me a wad of cash and I’ll have bits tucked and hidden all over the place. I don’t do plastic and debit cards well at all.
In fact, when I make a point to take my money out of the bank, it seems to last longer. I guess it makes it more real—even though it’s not really real–if that makes sense.
Don’t feel bad Tiff, the government gets 30% of my earnings and takes 33% from the partner. Talk about a rip.
I like those Squidoo numbers. I can’t wait until I get more lenses done. I love Squidoo! Never thought I would get into it so much and there’s a ton of things to make lenses on!
I played with GIMP today! I’ll be making a few videos to show you how to do things. Since people asked how to make a post it note, I’ll start there!
Have a great weekend if I don’t see you before Sunday’s vlog. There’s 4 inches of snow on the ground.. looks all Christmas-like and tonight we’re going to watch Fireworks in the snow!
I will take the camera, but unsure if I can capture anything at night.
So true, God only asks for 10% to be given. What makes the government think they need more than that? I won’t get started.
The weather here is crazy. I’m from the south and we’re used to it, right? But this is a new kind of crazy. 70 one day, 30 the next, 10 the next and then back up to 70. Very strange, even for the south.
So wonderful to see you smiling again Tiff. You look like a massive weight has been taken off your shoulders. Well done girl!
Money – never really had any. For the last 15 years our income has been four or low five figures. It’s scary for us at the moment as we have to rely on the pension and we have debt. Sometimes I can’t bring myself to open those window faced envelopes as there’s just not enough money go go round. We’re paying off the credit card and the work vehicle but my medical bills and a few others are just on hold. There’s no money left at the end of each fortnight.
I’m getting back to work now so I can get closer to earning from online stuff. Thinking about my debts just depresses and frightens me.
What you said in your last statement is powerful — “I feel real good about what I’m not giving my energy to.”
As entrepreneurs and internet marketers, we have to be vigilant with our time. If we say “yes” to the wrong things it can lead us down a path that can waste weeks, if not months, of our valuable time. That is why it’s so important to have a very clear idea of what business you want to build — and then say “no” to the things that will distract you from the work that is necessary to build that business.
Good to see you more Tiff! I was wondering where you were since you weren’t posting as much.
I am really glad to hear that you are getting a tax refund and don’t have to pay a big balloon payment! yuck on taxes anyway.
I sometimes forget and then I am reminded again about how lucky we are in Canada when it comes to health care. CT scans, hospital stays, etc are covered by our health care plus drugs are mostly covered by our work drug plans. We still pay for it of course, in the form of taxes but it is a blessing not to have to pay out of pocket when someone gets sick. We are starting to grow a tiered health care system though – the people that have the money can go to private clinics and pay for such things as a CT scan immediately rather than waiting for 6 months because you are on a waiting list.
I hear you on the debt to pay! we have some too and its from being dumb about credit. We have learned
Yeah I hate when I put nose to the grindstone because it means less interaction, which is the most rewarding part of my career. I was wondering about that – I DO like the idea of “free” healthcare, but the waits I’ve heard about in other countries? I couldn’t do it. I’m the kind of panicker who says, “You suspect lung cancer? I need an Xray NOW” and I’m taken in there to do it. Had to wait 4 weeks for the CT scan, which I can kind of understand since it wasn’t an emergency but that was too too long for me.
Fortunately, I like money management and preparing budgets etc as I like to be in control of my finances, or I’m very unhappy.
But of course all this only works well when you have ENOUGH of the green stuff… I remember Jim Rohn asking “Do you have too much month left at the end of the money…?
And when for some reason I have had income problems I have also had to rely on credit cards. They can save your butt in hairy financial times.
But the key is to hammer them back to zero as soon as your cashflow improves… no distractions or temptations.
I’m glad I no longer have to deal with business taxes and managing our quarterly GST tax collection service for the government.
The only time I had good news in Strategic tax days was when the accountants had somehow messed up and told me to pre-pay too much tax during the quarterly payments, so at the end of the tax year I didn’t have to pay anything, and had a credit toward the next quarter’s payments – woo hoo!
There is do doubt that the most essential key to financial happiness is to always make sure you are living within your means. Can be difficult, but does not need to be painful… just using common sense and if you don’t have the disposable cash for something you don’t buy it – not negotiable.
I have put a bit of effort in doing what it takes to cut back on overheads, investing in solar power, solar heating, water tanks, insulating the house, planting my own fruit trees and recreating the vegetable garden as fruit and veg are my main food and food costs.
Its all about making my future as low overhead as possible… eg: got my first $10 electricity bill last month, compared to the old $650 bills pre-solar!
Glad you messed up in the positive this year – l0l!
February 8th, 2013
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You don’t want a Tax Lien like Lindsay Lohan– actually, she has a few, not just one lol! ::) You’re not the only one to mess up with your taxes, what about the governments in most countries? And, do you think they’d apologize? Nope! I’d like to put tax liens and apply foreclosures on these people! Sleepless nights for sure, but what a JOY! LOL!
I do it every year Yoan – well, almost. I just suck at numbers. I’m compliant. Nothing I’ll get in trouble for, but sometimes th eballoon stresses me out when it’s due. Relieved not to have one now!
I think it stresses me out so much because as a child, one year my dad, who was a self employed insurance salesman on the road, had family friends staying with us who threw away a year’s worth of receipts he had saved for tax purposes. They thought they were helping him out by cleaning. But the IRS said he then couldn’t claim all years’ worth of expenses (100% of his life) and they harassed our family, threatening to put us in foster care, etc. Years later the woman who said that was arrested for embezzlement. Sweet! Still, they’re corrupt and make me nervous.
Ah, I understand! Childhood trauma! My parents run into debts at some point when I was a child ( not big but enough for the entire EXTENDED family to MEDDLE in my parents private financial affairs and FEEL CONCERNED and point out that my parents were bad parents etc” Needless to say I HATE ALL OF THEM NOW! They never saw me afterwards! lol– Funnily enough now, all of them have kids who are DROWNING IN DEBT AHHAHAHAHAHA!!!
Being noisy and not too dense , I understood what really happened at the time and it was just a common case of bad budgeting! It was resolved within a year but the trauma was there! After that, my relation to money was never that good! Needs big improvement and I will work on it! Well, Tiff, I am glad to say this: we have something else in common now! xxx!
We might be long lost twins or something.
You’re right, 6 figure is not a lot when you have a family and want the best colleges etc! 6 figure will be perfect for someone SELFISH and EGOTISTICAL like me! Joking aside, I know the “miminum payment” thing with credit cards– I had 6 at some point–! It was ridiculous and when I was in college I really thought it was MINE!!! What a SHOCK when I realised the many minimum payments represented a BIG CHUNK of my earning money, which meant that my purchasing power was SMALL! So, all in all and with all the extra expenses you get when you finish college, I was better off milking the banks for a few years than after I got my first job! I am trying to be better with money…it’s going to take a while! It’s a mindset! Better go finish these lenses then…still paying off a student loan from 2007 by the way…We are all in it together….that’s what politicians say…ummmm…xxx Yoan
Exactly. Take 30% off the top and then private school tuition of $25k, college, debt, etc. Ick! I WISH I only had 6 Yoan. Oh yeah I paid off student loans not too long ago. LOL
Totally understand what you are talking about Tiffany regarding bills and tax.
My partner and I both got a tax refund this year which was really nice and thankfully after spending a few years prioritising paying off debts we have been debt free (apart from the mortgage which will finish in 8 years) for a couple of years which is a fantastic feeling.
It took a lot of discipline and hard work but I am so glad we chose to do it as it gives me a great sense of security in knowing what we earn is ours (apart from the tax man’s cut of course) to save or spend as we want.
Those few harder year’s of going without holidays and living on a budget means we now reap the rewards and can also seriously start looking to our future as we both would love to “retire” when we’re 45/50 and travel…
Yes that’s where I’m at now. Paying off so I can save.
Yaaaay! So happy for you. 30% holy cow!
Thanks! Yeah it’s like you start earning more so you’re happy…until tax time.
Well, at least you don’t live in the UK. The top rate here is 45%
I don’t know what our top rate is LOL.
Glad you are getting money back this year Tiffany-Yay!
It is a lot harder to work creativly when you have a weight on your back. Glad your weight got knocked right off!
When you are talking about the Google+, do you mean just the basic message that you can send out, or is there some other area of Google+ that you are using?
Have a great day
Mary Kathan
Meeee too Mary
Nope just the basic G+ message 
Tiff,
I have a couple questions:
1. I’m intrigued by Squidoo but I’m reluctant to put effort into building lenses because Mr. Godin could pull the plug if he decides to go a different direction all of the sudden. What’s your opinion?
2. With all your experience – if you had to start over – and you could only use one form IM…what would it be?
Cheers
Mike
1.) Squidoo has always been nice about allowing you to take your content elsewhere if they decide to ban a topic, etc. If you’re concerned, just keep a copy of the content on your hard drive. I’ve been there since 2006.
2.) Product creation
Funny how money can cause such a visceral response. If a successful marketer like yourself gets butterflies, is there any hope for the rest of us?
Glad you got good news this year — better to pay upfront over time than get hit with a bad-news bolt in April.
{And I am seriously looking at defecting from California here – the land of ‘gouge those that produce to help those that won’t’. Looking at maybe Austin, TX or Charlotte, NC – any input?
Yes it does. I’ve always had butterflies. It’s when I DON’T feel nervous that it gets me in trouble.
TONS of people leaving Cali for Texas my friend. Texas has one of the best economies. I LOVE my state. Perry’s even trying to get them to give us back all the extra money they have in the coffers.
Hi Tiffany:
So glad to hear your stress level is down and your doing better. That’s great. I am working on some Squidoo lenses and also doing a little Amazon Affiliate marketing. As far as your Google Plus idea, that’s great. Maybe something for us all to use. I might give it a try. I guess you give the Jan Roos course a thumbs up, since your going to build a Squidoo lens on it? Take care and have a nice weekend. Sam
Thanks Sam
I’m in mid-review of Jan Roos’ course, so this is part of my implementation process.
Oh boy, I suck at money management…most of the time. I can do good, and I do good, but then I get lazy and it all goes to hell.
I could write you about ten paragraphs on our financial situation right now, but as I was watching your video I got a delivery. My mom sent me my first ever chocolate covered strawberries from Sharis Berries. So, all is right with the world at the moment. I may be homeless next week, but I have strawberries.
What more could a gal ask for? LOL
On a serious note, when you make more money, it does take more money. If you lose a big chunk of your income, you figure out how to adjust and live on less. That’s just the nature of the beast.
OMG I keep hearing about those berries on talk radio that I listen to! LOL Let me know how they are
They are pretty dang good. The white chocolate was a little harder than I like, but they are really good.
So true, Patti! Even big movie stars have to downgrade at some point! It’s a case of managing the beast as you say! And, just like everything else in life, It goes UP and DOWN and UP and DOWN and UP and DOWN! Even for Mr Buffet!! Let’s celebrate the fact that we can work, make money and pay taxes (well that one sucks but it’s necessary..) I try not to moan too much about taxes these days because so many HAVE NOTHING! We all here have GOLD in our hands and brain, so it can only improve and as Tiff often says, she doesn’t care if something falls through (Squidoo, Google update), she’ll adapt! Pragmatism, my friends, pragmatism! Enjoy your strawberries! XXX Yoan
So true, Yoan, life is definitely up and down, up and down. We’re pretty down right now, but celebrating life as it is.
I know what you mean about so many people having nothing. We get so wrapped up in our “ugly brown pillows” (to use Tiff’s pillow example..lol) that we forget there are people who would love to have them because they’re sleeping on a park bench with barely a jacket to even cover themselves.
I think sometimes we have to get knocked down quite a few times before we find our groove. I’ve been knocked down quite a lot lately, and that’s okay, as long as I’m learning and growing.
Chocolate covered strawberries? I’ve heard of them, but never tried them. I’m not a fan of white chocolate – never was. They use too much wax in the white and I can taste it.
I shouldn’t be eating chocolate, period… but you only live once eh? Enjoy your indulging!
LOL Bonnie I’m with you – white chocolate isn’t chocolate. It’s gross to me.
Bonnie, these are my first too. I’m not a huge fan of white chocolate, but it does make stuff pretty.
My daughter was telling me about a chocolate fountain at a restaurant in her town. I think I’d like that much better—much softer, this chocolate is a little hard to bite into. With a partial plate in the front, I have to cut these up. But I must admit, I could eat a lot more strawberries if they were covered in chocolate. Yum!
These are a beautiful gift for someone special though, especially if they’ve never had an indulgence like this.
I’ve always been pretty good with money. In my case, I think it has a lot to do with the fact that I’m handicapped and know that I cannot afford not to plan for the future.
It’s like if I have x amount of problems while I’m still relatively young, imagine how much harder it’s going to be the older I get. I also think it’s probably why I took business classes in high school and college.
I do have to admit that I wish I had the luxury of being like one of those carefree kind of people. It seems like it would be really fun. With that said, I’ve also had people tell me that it’s far better to be reliable and what not.
I think there can be a happy medium. I just haven’t found that yet. I kind of have an all or nothing personality thing going on where I succeed and exceed all exceptions or fall flat on my face. I need to work on that.
Congrats on your earnings increase. Mine have also gone up. While the thought of taxes stresses me out, it something that I can accept and take into account when making money — like a Clickbank or Paypal fee. It’s like saving money. Once you get into the routine of saving money, it like happens on autopilot.
For me, money is very much a security blanket. I prefer to have money than to have stuff. Nowadays, all of my stuff is directly deposited. Because of this, I sometimes have the urge to take money out of the bank just so I can touch it, and then, put it back…ha, ha.
That’s great Joey! I wish I had been. I’m just NOW better with money. Took me awhile to understand it all.
I think everybody goes through that phase. There was a time when I had every kind of charge card imaginable… even an American Express (who requires you to pay the full balance off every month!)
Luckily, I got smarter as I got older and cut up all the cards except one.
Imagine having a credit card with a 10,000 limit. I had one. NEVER again!
The one I kept now has a lousy $200 limit on it, but that’s the way I like it. The partner has a card with a $300 limit – again, this is truly a blessing where he is concerned. Money burns a hole in his pocket.
Unfortunately, American Express no longer requires full payment. This $3,500 $65 a month minimum girl knows from experience. LOL
I used to be horrible with money. I never saved, blew through a small inheritance, then went into debt for that amount again and took years to pay it off. These days I’m super-sensible, so at least i learned my lesson, but I wish I could give my younger self a good smack lol I really envy those people who had good money habits from a young age.
I’ve probably gone a bit too far in the opposite direction now. I’m currently trying to talk myself into buying a new laptop that I need (my current one is 5 years old & really struggles with the graphics work I need to do). But I just want to keep the money! It can be hard to get a good balance sometimes.
Yeah I’d smack myself too if I could! LOL
Love your story, Joey.
I’m much better with cash. If I never see my money (paypal or bank account) I can’t hold on to it. Give me a wad of cash and I’ll have bits tucked and hidden all over the place. I don’t do plastic and debit cards well at all.
In fact, when I make a point to take my money out of the bank, it seems to last longer. I guess it makes it more real—even though it’s not really real–if that makes sense.
Don’t feel bad Tiff, the government gets 30% of my earnings and takes 33% from the partner. Talk about a rip.
I like those Squidoo numbers. I can’t wait until I get more lenses done. I love Squidoo! Never thought I would get into it so much and there’s a ton of things to make lenses on!
I played with GIMP today! I’ll be making a few videos to show you how to do things. Since people asked how to make a post it note, I’ll start there!
Have a great weekend if I don’t see you before Sunday’s vlog. There’s 4 inches of snow on the ground.. looks all Christmas-like and tonight we’re going to watch Fireworks in the snow!
I will take the camera, but unsure if I can capture anything at night.
Anything over 5% is a rip off. LOL
Your snow sounds SO wonderful! We have barely chilly nights but warm days right now – Dylan’s loving it because he can play volleyball in shorts. lol
So true, God only asks for 10% to be given. What makes the government think they need more than that? I won’t get started.
The weather here is crazy. I’m from the south and we’re used to it, right? But this is a new kind of crazy. 70 one day, 30 the next, 10 the next and then back up to 70. Very strange, even for the south.
You need to listen to Dr. Benjamin Carson’s speech Patti.
Glad your stress is down and proceeds up. I understand the debt. Way back when it was too easy to get pre-approved credit.
I saw the futon on Google+ and looked at it. I love futons. That one looks awesome.
It is Ruth. I never was a fan until now.
So wonderful to see you smiling again Tiff. You look like a massive weight has been taken off your shoulders. Well done girl!
Money – never really had any. For the last 15 years our income has been four or low five figures. It’s scary for us at the moment as we have to rely on the pension and we have debt. Sometimes I can’t bring myself to open those window faced envelopes as there’s just not enough money go go round. We’re paying off the credit card and the work vehicle but my medical bills and a few others are just on hold. There’s no money left at the end of each fortnight.
I’m getting back to work now so I can get closer to earning from online stuff. Thinking about my debts just depresses and frightens me.
Thanks Kathy! I know that feeling…
Tiffany:
What you said in your last statement is powerful — “I feel real good about what I’m not giving my energy to.”
As entrepreneurs and internet marketers, we have to be vigilant with our time. If we say “yes” to the wrong things it can lead us down a path that can waste weeks, if not months, of our valuable time. That is why it’s so important to have a very clear idea of what business you want to build — and then say “no” to the things that will distract you from the work that is necessary to build that business.
Thank you for that important reminder, Tiffany.
I agree Jon – it is powerful. Working for me!
Good to see you more Tiff! I was wondering where you were since you weren’t posting as much.
I am really glad to hear that you are getting a tax refund and don’t have to pay a big balloon payment! yuck on taxes anyway.
I sometimes forget and then I am reminded again about how lucky we are in Canada when it comes to health care. CT scans, hospital stays, etc are covered by our health care plus drugs are mostly covered by our work drug plans. We still pay for it of course, in the form of taxes but it is a blessing not to have to pay out of pocket when someone gets sick. We are starting to grow a tiered health care system though – the people that have the money can go to private clinics and pay for such things as a CT scan immediately rather than waiting for 6 months because you are on a waiting list.
I hear you on the debt to pay! we have some too and its from being dumb about credit. We have learned
Yeah I hate when I put nose to the grindstone because it means less interaction, which is the most rewarding part of my career. I was wondering about that – I DO like the idea of “free” healthcare, but the waits I’ve heard about in other countries? I couldn’t do it. I’m the kind of panicker who says, “You suspect lung cancer? I need an Xray NOW” and I’m taken in there to do it. Had to wait 4 weeks for the CT scan, which I can kind of understand since it wasn’t an emergency but that was too too long for me.
Fortunately, I like money management and preparing budgets etc as I like to be in control of my finances, or I’m very unhappy.
But of course all this only works well when you have ENOUGH of the green stuff… I remember Jim Rohn asking “Do you have too much month left at the end of the money…?
And when for some reason I have had income problems I have also had to rely on credit cards. They can save your butt in hairy financial times.
But the key is to hammer them back to zero as soon as your cashflow improves… no distractions or temptations.
I’m glad I no longer have to deal with business taxes and managing our quarterly GST tax collection service for the government.
The only time I had good news in Strategic tax days was when the accountants had somehow messed up and told me to pre-pay too much tax during the quarterly payments, so at the end of the tax year I didn’t have to pay anything, and had a credit toward the next quarter’s payments – woo hoo!
There is do doubt that the most essential key to financial happiness is to always make sure you are living within your means. Can be difficult, but does not need to be painful… just using common sense and if you don’t have the disposable cash for something you don’t buy it – not negotiable.
I have put a bit of effort in doing what it takes to cut back on overheads, investing in solar power, solar heating, water tanks, insulating the house, planting my own fruit trees and recreating the vegetable garden as fruit and veg are my main food and food costs.
Its all about making my future as low overhead as possible… eg: got my first $10 electricity bill last month, compared to the old $650 bills pre-solar!
Glad you messed up in the positive this year – l0l!
I love managing my money now. $10???? Oh my! I wish solar panels weren’t so expensive