Friday, January 31, 2014
Wednesday, January 29, 2014
As time passes, I have begun to deeply realize the essence of time capsule and how much it could mean years to come to myself and my loved ones. A will helps stabilize a secured financial future but it may do nothing to comfort the soul of those who lost people they love dearly. No one lives forever and that's the fact about life. I have lost family members over the years and I just wish I had a little something more than memories to remember about them.
I must admit that I am not good at keeping up with a diary. It is a habit that I pick up when inspired but put down due to laziness or a decline in interest (sad). I basically fail in the "dear diary" department. Good news, I compensate my failure with photo/video collection as well as keeping items and cards/letters from special occasions. In an attempt to avoid being an ultimate hoarder in town, I specifically keep key items. In addition to that, I would like to start documenting more about significant events/lessons in life so I can pass on the notebook to my daughter in the future. These treasures are going to comfort those who we left behind.
Tuesday, January 28, 2014
Monday, January 27, 2014
Friday, January 24, 2014
Thursday, January 23, 2014
Tuesday, January 21, 2014
I miss those days when I don't have to....
Thursday, January 16, 2014
Tuesday, January 14, 2014
Thursday, January 9, 2014
Several years ago, I bought everything in sight that I liked with little or no thought whatsoever. I even bought stuff without a true need for it simply because it went on sale. I would spontaneously purchased many different makeup/skincare products at once. Didn't even bother waiting to completely use one product at a time. Not to mention handbags, shoes and accessories. Then came that year (2011) when I became interested in high end designer bags. That year alone I spent $4,000+ on brand new: mini Chanel flap, Chanel earrings, Dior tote and Hermes scarf in a span of 2 months. Yet I wanted more but so glad didnt pull a trigger. I felt guilty spending that much money instead of saving for the whole family to enjoy although my husband totally supported my once in a lifetime splurges. It was quite a year of learning.
There are some tips that work great for me personally:
1) Avoid temptation: when you look, you tend to buy so you need to stop that. That said ditching some of your favorite blogs that tempt you to buy what they wear/use/review. It is just a temporary, when your mind is strong enough you wont even have an urge to buy. But for now, say bye bye. Then you will need to unsubscribe from mailing list/sale alert/promotion from your favorite store.
2) Look what you have most. If you mostly buy clothes then that's your weak spot. Try to go through what you currently have and make the best out of them without buying more. This can be difficult but it will be easier with time. I have been buying clothes about 3 times a year or less (total of about 500 per year) in the past two years and wait when they go on sale up to 50% off (I always buy pants from Express for work and they go on sale after Thanksgiving. Who would pay full price of $70 for work pants, not moi).
3) Find a new hobby or simply clean your house/closet: this will help distract you from wanting to shop. With the convenience of online shopping, it is so easy to spill money even in your own home.
4) Shopping ban may not be a good solution: try to analyze each purchase instead. You should try to add more steps into your thought process when buying. Sounds like a pain but it helps. Ask these question and be honest with your answers: what am I going to use it for? How often? How practical and versatile? Do I have enough cash to pay now? Do I have space to store it? Will it clutter my home more? Practice on even the smallest purchase.
5) Keep track of your spending and set a limit: A simple spreadsheet is a lifesaver. You wont realize how much money you have spent unless you put them there. Credit card statement doesnt tell much. I sort my purchases in different categories, I have one for home budget which entails monthly bills, gas, grocery, personal, home/car maintenance, gift, medical fees and miscellaneous. You can start out with a more simpler spreadsheet (no special knowledge of Excel, just basic function) and adjust as you go.
Since 2011, I still have the two same handbags and one of them has exceeded cost per wear since I have used it every single day. I haven't bought any (even an inexpensive one). My husband couldn't believe it, I am quite amazed at myself too. However I do believe in splurging once in awhile on things you love as long as everything else is taken care of. Life is about balance and the same goes to spending and saving.