Tag Archives: financial

Be Thankful For What You Have

Thanksgiving has become a day when people are encouraged to express their thanks for the good things in their lives.  Quite often one will say they are thankful for their husband, children, and friends.  Rarely do you hear anyone say they are thankful for where they are at financially or for their worldly possessions.  That just seems inappropriate, cold, and self-centered.  So then why do we allow those things to take priority in our day-to-day lives the rest of the year.

I stumbled across this quote from Oprah Winfrey, “Be thankful for what you have; you’ll end up having more.  If you concentrate on what you don’t have, you will never ever have enough.”  Be Thankful for What you Have

We live in a society where people are always striving to acquire more materialistic possessions…a bigger house, better car, nicer clothes, participate in fine dining, the best of the best.    Unfortunately there are also a lot of people who are unable to achieve those things.  Families that struggle financially, working just to pay their bills without luxuries others take for granted.  Are those people less happy than those who have everything?  Not necessarily.  In some ways they may be emotionally richer.

Your happiness in life is not a product of the wealth.  It is of the relationships you have, the peace you feel in your life.    If you are always striving to better yourself financially, working hard to purchase all the “things” you want, doing what it takes to prove you are an accomplished person, you may find yourself with a lot of possessions but not really happy.   You will always be pushing for something bigger and better, striving for a fulfillment you can’t quite reach.

If you concentrate on enjoying the little things in life — the beauty of a sunrise or sunset, the perfection of a flower in bloom, the joy in a child’s laughter, the sound of the waves crashing on a shore, and personal connections to the people around you, that is when you will find yourself content.  Those are the things that hold value far greater than anything you can purchase.  They are what gives life meaning.

Be thankful for what you have, not what you can purchase.  If you concentrate on materialistic things you will never be fulfilled.  If you focus on what you do have, the things that money can not buy and realize their value, you will find contentment, and anything beyond that is a bonus.

 

 

 

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Filed under assumptions, career, Coping, decisions, Family, freindship, friends, friendship, Holidays, home, Life is a Melting Pot, reality

Making Decisions

Life gets busy and we tend to let time move past without really analyzing where we are in life compared with where we want to be.  It is when we take the time to step back and re-evaluate our position that we are able to determine our next step in accomplishing our overall goals.    This applies to anything in life…employment, relationships, finances, hobbies, etc.

For the past twenty months since my husband passed away I spent time reducing some of my expenditures, rolling over investments without really paying attention to them, and learning to pay bills.  I initially developed a budget but I did it without a clear understanding of my overall financial situation.  I realized I wasn’t in the best of situations, yet allowed myself to float along for a while.   Decisions by successful people

One to two months ago I started taking a harder look at my budget, my overall financial standing, and where I am compared with where I want to be at retirement.   The process while a bit stressful was also very enlightening.  I enlisted the assistance of a trusted friend in reviewing what I had to see if my thought process was on track and solicited suggestions.   The realization was that I need to make some changes, and I need to make them faster than I originally thought in order to secure a better future for myself.

While parts of the decision making put pressure on me to accomplish some tasks faster than I originally anticipated, the completion of those things will put me in a better position both financially and mentally to move forward with my life.  The decisions to make major changes in ones life are not easy, but they can also be enlightening.  While there will be difficulties along the way, and some of my decisions will also impact others, once the dust settles down things should be better for me and others.

decisions2So what am I doing?  I am going to downsize by sorting my belongings and accumulations of the past 36 years into keep and sell piles, and I am going to downsize out of my home and into something smaller and more manageable for me, both in upkeep and cost.   I am changing financial advisors in the anticipation that my investments will provide me with better earnings for my retirement.   I am going to forgo some of my activities and/or volunteer positions so that I have less commitments and more time to devote to things that I need or want to accomplish, such as the downsizing, running my photography business, and my writing.

Life is always evolving, always changing.  If you have areas you believe need improvement or with which you are unhappy, take a hard look at things and make changes that will provide you with the lifestyle and overall happiness you deserve.

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Filed under Activities, assumptions, communication, Coping, decisions, Discoveries, exploration, habit, impressions, Life Changing, Life is a Melting Pot, mind

A Year Of Changes

learn-free-to-be-meIf you have been a reader for a while you know that my husband, Ron,  passed away December 7, 2015 and since that time I have been adjusting to living on my own.  In reflecting on myself now, plans for the future and introspection of the past I have learned a few things.

I am capable of living alone, and doing it comfortably.  When I met Ron I was 19 and living at home with my parents.  I got married,  moved in with Ron and had never lived alone.  I originally found the idea of living solo terrifying but had no choice.    What I have learned is that living on my own has its benefits.  I can set the thermostat where I want and it stays there.  I can blast the radio at 2 am if I chose without having to worry about disturbing anyone else.  I can eat what I want when I want and not have to worry about anyone else.  I can re-arrange and hang photos and other artwork on the walls, removing things that were never my choice to begin with and adding new items that appeal to me.   I can move, add,  eliminate or change anything I chose without wondering if another person is going to like the change.

learn-to-be-happy-aloneAlthough I never paid attention to our finances and had no interest in knowing about them, I am perfectly capable of paying bills, applying for mortgage modifications, listing property for sale, and making decisions on financial assets.   I’m not blindly doing what Ron told me to do as he was dying.  I’m evaluating my own circumstances and making a decision that I feel comfortable with.   My goal for the future is to learn how the stock market and investments work, to understand how to diversify and what everything means  so I can make informed choices.  Hopefully  I will get a grasp on this within the next decade.  I’m really walking in uncharted territory here.

I can now run a riding lawn mower, a weed wacker, call a plumber, take vehicles in for routine maintenance, find and hire repair persons for things such as air conditioning. However I have no intention of learning to run the snowblower.  That thing is just too big.  I’ll kill myself shoveling first.  I even look at the Harbor Freight and Tractor Repair sales flyers now in case there is something I need.  Okay, I’ll admit my big purchase this year was two tarps, but we all have to start somewhere.  learn-dance-in-the-rain

One big surprise, I like to cook.  I know that sounds funny after 34 years of marriage, but I thought I didn’t like cooking.  I have been cooking for myself for a year now and I realize  that I like it.  For the majority of our marriage Ron did all the cooking.  Over the years I told people didn’t like doing day-to-day rush home from work an cook a meal, but I liked doing the larger family meals.  I recently said those words to someone but later in the evening it occurred to me that the statement isn’t true.  I don’t mind cooking for myself at all.  I love grilling entire meals in the summer months.  So why the change in my thoughts?

learn-something-newWhat I have discovered is that it wasn’t the cooking I disliked, it was that Ron always had a criticism of some sort and tended to hover, questioning why I did things the way I did, telling me I should do things differently than I did.  Nothing was ever quite good enough, there was always a “why didn’t you…”  Basically, he thought I should cook just  like him.  After a while I tired of the negativity and simply walked away and left it to him.  He cooked, I cleaned up, and it worked.

Since Ron’s passing I have discovered that I enjoy cooking.  I like throwing foods together to see what I like, mixing different combinations.  If they are all watching from above there are three cooks in heaven that are probably surprised at what they see.

I would say Ron is probably shocked at the things I fix; that I enjoy the cooking and especially like grilling.  My Mother-in-Law is probably happy to see me not measuring, just dumping in many instances.  I learned early in my marriage that if you called her for a recipe she didn’t measure, it was  “till it looks right.”  My father was a great cook.  When he saw me go into the basement and gather an assortment of ingredients, throw them into a pot and end up with a soup he was probably going “hell ya, that’s the way to cook.”  One of my greatest memories is when he cleaned out the refrigerator and made “chili” with the leftovers.  How many people have eaten chili with spaghettio’s floating in it?  I have!learn-who-you-are

When it comes to traveling alone I have mixed feelings.  It is nice because if I want to wander around and/or make frequent stops to take pictures I can do that without any complaints.  Ron and I were both photographers and did that all the time, but the average person does not take pleasure in such activities or delays.

On the other hand, traveling alone can be lonely.   If taking in a tourist attraction, such as wandering a museum or park, you are always alone.  No one to talk with, share discoveries with.   You are always eating alone, and so I always dine with a book.  There is no one sharing your hotel room, no one to sleep with. Maybe we shouldn’t go there.  Let’s just leave it at that.

So learning about me happened by learning to live alone.  What a difference a year has made.  The good, the bad, the indifferent.  What have I learned? I had a fantastic marriage.  I will have a fantastic future.  Different than I planned, but that’s okay.  I have made decisions that a year ago I would not have made.  I have made changes in my life that a year ago I would not have made.  Life was different then.  I was different then.  I am happy with my life, and that is all that matters.  Whatever happens, whatever life throws in my direction, I am ready.  Bring it on!

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