Daydream believer and a homecoming queen

On a daily basis I daydream about winning a lot of money.I'm not picky, it could be the lottery or Publisher's Clearing House or one of those random penny slot machines or a great great great uncle who passed away that I didn't know I had or, well.....you get the point.

I daydream about this so much I already have it all planned out. We would pay off any debt of our parent's, give our siblings a set amount, pay off our debt, buy our dream house (which would obviously be on the smaller side-there is no way I'm cleaning a mansion every day!) and dream cars, put a good amount in a college education fund for our boys and then put the rest in some kind of account (IRA, 401K, stocks, bonds, yadda yadda yadda, blah blah blah...I don't know enough about that stuff at this point in time to really know what I'm talking about). Hubbyman would continue working, but in a job that he really really enjoyed, and maybe we would even start a music school for kids who couldn't afford the lessons otherwise.
(Oh, and how could I forget! I would definitely do a little bit of shopping. How could I not?! Don't you ever wish you could walk through a store and put every.single.thing you want in the basket, but you can't because you're responsible and know you should probably buy diapers instead? Yeah, well after I won a ton of money I could buy diapers AND everything else. So Great!)

Isn't it fun to daydream!?
What do you daydream about? Do tell!

Thanks for stopping by!!!!

With my mind on my money and my money on my mind

"After a visit to the beach, it is hard to believe that we live in a material world." -Pam Shaw

Such a profound quote.

Money is on my mind today, in a big way. I am in charge of the finances in the family and normally I do a superb job (if I may say so myself), but today, I definitely did not do a superb job and I have been beating myself up over it left and right.

Then, I found this quote (remember, I like quotes...) by Clifford Odets: "Life shouldn't be printed on dollar bills."

That quote just seemed to lift a weight off of my shoulders. If I could just step back and breathe, I would remember that life isn't about the numbers in my bank account....it's really not.

That being said, I wanted to find some things to share in the money department, possibly some things that could help me (and you) live a less stressing life when it comes to balancing the checkbook.

• Carry less cash. At one point I definitely remember hearing somewhere that carrying cash was the way to go over using your debit/credit card. But I've run into a problem with carrying cash, I see it as "fun" money, as having some extra cash. In order to fix this dilemma, I've decided to only carry enough cash for what I need. No extra dollars to tempt me into buying something (*cough* a really good cookie) that I don't need.
• Stop saving my information with online vendors. This was my way of "saving time" when it came to ordering online, but then I found it a whole lot easier to click the "buy now" button since it was so simple, I noticed things adding up that I didn't REALLY need. Clicking that button ("one-click ordering" anyone?) kind of eliminated the feeling of spending, therefore, I spent more. So from now on, I will always say "no" when I am asked if I would like to "save my information for a quicker check-out next visit."
• I will stop clipping coupons I don't need. Yes, clipping coupons is a great way to save money, if it's on things that are already on my list to buy.....but so many times I find myself clipping a coupon for some makeup or hair dye or junk food or....the list is endless. Coupons are great, when you clip the ones you need. It's time to skip the one's that look enticing but aren't necessities.
• Did you know, an average family of 4 spends $4,000 on take-out every year?! Holy cow that's a lot of money! I'm glad we're not an "average" family!! Planning ahead is one thing that has definitely saved me money. I go to the grocery store (Winco! Hooray!) 2x a month and have my entire list in hand and my calculator in the other (and sometimes a few coupons) and I've definitely noticed my grocery bill has decreased. Eating out is now considered a serious treat in our family, which isn't such a bad way to be. 

This has been therapeutic for me, thanks for letting me download :)

One last quote:
"Empty pockets never held anyone back. Only empty heads and empty hearts can do that." Norman Vincent Peale