Tag Archives: lawofattraction

The Christmas Credit Card Bill

Yes it arrives just after we ring in the New Year without fail. Time to pay the piper for the excessive celebrating right?

Two years ago I asked myself that question. Is this really the price I need to pay every year in order to enjoy celebrations with friends and family? My answer was “no”.

I asked myself a few questions.

1. Am I willing to give up the Christmas fun to save money?

2. Is there any other way I can stop the pain and anxiety of that horrible bill that slides into the mail box each January to destroy the holiday high?

To the first question I answered no way. And so in January of 2013 I started budgeting for Christmas so as not to increase our debt load further and at the same time still enjoy the season.

I am no brain surgeon, and clearly those who know me will readily agree 🙂 But I did make a smart move a year ago. I pre budgeted for Christmas 2013 in January of 2013.

The results:

SAM_0620With this successful result under my belt, next steps blog about and implement a weekly/monthly budget plan.

I read somewhere that millionaires actually plan out their weekly spending. This got me thinking, why on earth shouldn’t we do the same?

Happy New Year and stay tuned. We are on the way to becoming debt free!

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Debtless & Cheap – Now That`s Frugal

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Recently we received a phone call about an appliance pick up. The person on the other end insisted the unit, a fridge, was under two years old and in perfect working order. They had only changed it because a plastic light covering inside the fridge had warped slightly due to heat coming off the bulbs.

I wondered if this was too good to be true. The caller’s timing is perfect. We know someone who can really use a new fridge. If it works this will make an excellent Christmas present.

Anyway my husband picked the unit up a couple of nights ago and brought it home. It is a gorgeous LG stainless steel refrigerator and definitely only a couple of years old. We plugged it in, I crossed my fingers and we left it to cool overnight. The next morning and to my delight it was working.

I spent a couple of hours in elbow grease cleaning the unit and it looks brand new.

This piece would easily sell for between $100-$200. Instead, and in keeping with the season, it is destined to become a fantastic gift for someone special.

This is definitely the sort of Frugal Christmas miracle I enjoy. Merry Christmas Baby!

The End of Nablopomo

November 30th, final day of the National Blog Posting Month. I remember thinking at the beginning of the month how long a 30 post, 1 month challenge was going to be. Today I am surprised at how quickly it went by. These postings became a part of the daily routine and I am going to miss writing them. A huge hug of gratitude to http://www.blogher.com/nablopomo-november-2013-blogroll for putting this challenge together.

I want to pause here and reach out to those who stopped by the blog. First a big thank you to commentor’s. You remind me how amazing it is to connect with people you don’t know through the internet and share ideas in a constructive way. Thanks also to  views received from Facebook, Twitter and WordPress Reader. Your silent support (and maybe laughter or indifference) helped me keep going when I started to doubt myself.

While it is sad to see Nablopomo go I am excited to have been inspired me to create the Debtless and Cheap blog. A place to share tips and ideas on living the debt free lifestyle. The posts may not be daily, but you can bet they will be regular and filled with everything I learn on living well within a frugal mindset.

Finally, in following through on this commitment, although there were days when I didn’t “feel” like doing it, I am satisfied tonight that I stubbornly stuck with it. Some probably think it was a waste of time. All I can really say to that is, there are certainly far less productive ways to waste ones time.

We train ourselves to become what we want to be, or someone else does it for us. I want to learn and train myself to be the best possible communicator and story writer I can become.

What does your blog give back to you?

The Zany Blogger

I am amazed how fast November has flown by. After this entry there are 3 posts to go and I am starting to wonder what to do with myself next month to stay out of trouble.

Anyway as the month fizzles away the posts seem to be getting more and more punchy. Trying to find something to write about every day has been an enjoyable and eye opening challenge.

Therefore without further introduction let me present my latest silly post.

He called you what?!

So yesterday while I was talking to someone in real time. I got around to asking him if he was enjoying the blog.

He told me he didn’t have a lot of spare time, but had read some of my “zany” posts.

Later when I got home the worry wart in my brain starting singing.
“He called you zany that means crazy. He must not think much of you,” and on and on it went.

I quieted the wart with a dose of compound positivity and got to thinking about the word zany.

I thought about what it means, light, easy going, silly, free spirited,
funny. “Well that’s not so bad,” I reminded myself, considering that is what I look for in life as often as possible. Actually, if I am honest with myself it is probably exactly what I was going for in the posts. For someone like me who is allergic to labels I guess you might say I’m turning into a hypocrite. I really, kinda love this label.

Here’s an idea, maybe I can call myself ‘The Zany Blogger’. It works doesn’t it?

How do you handle the worry wart choir that plays in your head?
Love it or hate it, I don’t think we can ever silence it. Just maybe though, we can have a little fun with it?

Real Time Inspiration

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Today while waiting for the bus I met up with a young woman I have often seen at the same shelter.

She asked, how I have been keeping, and mentioned not seeing me around much over the fall I explained the big riding adventures to her.

She was curious as to where I ride and how far it is. I shared the  details, and of course talked about all the wonderful benefits associated with bike riding.
She was hooked.

She had always wanted to ride to work and it turned out my destination was close to her work.

When I reminded myself to curb the excitement, close my mouth and let others speak, she talked about her desire to ride to work.

The bus arrived and just before we parted ways she said, “thank you for inspiring her.”

I was so happy to have taken the enjoyment of riding out of the blog and into real time life, I nearly fell down the steps as I exited the bus. It is one thing to right a blog and hope to reach out to others and quite another when it happens in real time!

Share your adventures with others, you never know what might happen. Anyone have an experience similar to this? Would love to hear from you.

Cycling Through The Winter Blues

The weather turned icy and cold here today as it normally does around this time of year in Canada. Gone are the warm summer breezes and brisk, bright autumn days, replaced by winters’ icy touch.

With the colder temps setting in it is time to store the bike. I will miss that little piece of metal on wheels. We started a new adventure together this year and I learned about possibilities. It also reminded me how to feel like a kid again.

It was a good fall season, no worries or regrets because as soon as the weather warms up and the ice melts I will be out there pedaling along the streets and down through the parks once more, offering a smile and sincere “Good day” to those I pass by.

The winter time in Canada brings with it darker and colder days and for those of us who live in this climate, exercise is crucially important. A couple of months without sun can lead to depression, aka cabin fever.

With the bike tucked away in the garage, I turn back to the treadmill. It is perfectly situated beside a window overlooking the park. As I have done for many years over the winter months I will spend hours walking miles while watching snow storms and winter winds blow.

I have used that machine to walk through many a winter blahs. Worrying, at times, that there was nothing more for me. Thinking I would spend the rest of my life on a treadmill leading to no where.

But there is more, and the cycling adventures are proving it to me. Life is a journey. There are steps to be taken in order to grasp more of it.

Walking the treadmill built strength in my legs. This strength allowed me to hop back on the bike and continue the journey. A journey 4 years ago didn’t cross my mind.

Life has ups and downs, and sometimes we want to give up. Maybe it is true what they say, “we just have to keep going.” And when an opportunity to do something new presents itself, go ahead and give it a try.

“Step out, risk, live, love and laugh.” These are more than words, or pretty cliches. They are real time events to be experienced each day.

What new thing can you try today?

Debtless & Cheap – Turn Wasted Money into Wonderful Gifts

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Turning wasted money into wonderful gifts.

A few years ago when feeling very ambitious about my knitting skills I picked up a pattern for a real wool sweater. Next I purchased the wool. Let me tell you it wasn’t cheap. We are
talking the real deal, not that synthetic clone.

I got everything home, started the sweater and realized how difficult this was going to be. I gave up and threw the whole package wool and all into the closet.

I tried to forget the fiasco. Not an easy task when  the husband feels a constant need to remind you.

Two weeks ago I pulled the bag from the closet. It is getting colder here, and I decided to use the wool to make hats and mitts.

I’ve now used the wool to make a hat and two pairs of minutes. I can probably get ten sets out the skeins.

Feeling pretty good tonight, knowing the wasted money is turning into something useful and will help keep family and friends warm during the cold Canadian winter.