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Here are some of the articles that I found worthwhile this week:

USAA Financial Power Pyramid @ USAA

The Power of Delaying Gratification @ Sweating the Big Stuff

The Cash Envelope Spending System @ Smart On Money

Should You Save Before Paying Down Debt? @ Punch Debt in the Face

 

Also be sure to check out the Carnival of Money Stories over at Nerd Wallet where my post What Would You Do? was featured.

Find more amazing reads by browsing through the Yakezie Blogroll.

Article publié pour la première fois le 24/09/2010

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Colorado Springs, CO

Back in Colorado this week visiting family.  Take a deep breath of that fresh mountain air…   

Blog2 

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Article publié pour la première fois le 16/07/2010

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Money-Friend Ettiquette

Nothing can ruin a friendship quite like a money issue; except for an accidental bathroom intrusion.


Here Real Simple addresses some frequent money-friend etiquette issues.  Here are the highlights and their answers, minus the fluff:

Splitting the Bill

  • Discuss the payment options upfront. 
  • Take the initiative and ask for a separate check. 

Lending Money to Friends

  • Here RS sites Dave Ramsey (wise decision): treat a loan as a gift; don’t expect it back.   

Backing out of a Financial Commitment (i.e. a trip you can’t afford)

  • Explain what you can afford when making plans. 
  • If you are already committed, offer to help pay for any fees involved with cancellation, etc.
  • Don’t take a loan if they offer to help you pay. 

Friends Who Complain About Money

  • Call them out.  Ask them if they do in fact need help; that’ll make them more aware of what they are saying. 

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Article publié pour la première fois le 15/07/2010

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Home Spa: Save Sanity and Money!

In my humble opinion, there is absolutely nothing more relaxing and rejuvenating than a day spent at a spa. There is something magical in getting a massage and forgetting all of your cares for an hour or so. But, the joys of going to the spa are not solely to be found in getting a massage — it is the entire relaxing experience. Taking a dip in the hot plunge, sweating away in the sauna, or breathing deep in the steam room is relaxation defined. There are few things I’d rather do more than spend an entire day with little between me and the world but a plush spa robe. With just the mere thought of it I can already feel my shoulders relax and my breathing deepen. Like I said, its magical.

Unfortunately, while a day at the spa is absolute relaxation, paying the bill is usually enough to shock you back into the real world. When it comes to a spa, relaxation comes at a cost, and that cost is almost never cheap. So, the other day when I was at my wit’s end and the siren call of the steam room was beckoning, I thought that there had to be a way to bring the spa experience home. Luckily I found that a few simple additions (and subtractions) to your own bathroom can make home feel that much more like the lusted-after spa. Try out some of these ideas and before you know it, you’ll be relaxing and saving money.

Clean your bathroom and then clean it again. Although it is a basic trait, perhaps the most essential trait of a good spa is how clean everything is. It has to be, if it were dirty, it would lead to stress rather than relaxation. Bringing this home is simple: deep clean your bathroom. Its best to clean everywhere, but pay special attention to the bathtub area, the place where you will most likely be spending your “me-time.” Once everything is clean make sure you . . .

Declutter. Spas are relaxing because there are usually simply and minimally decorated. There is no visual clutter muddying up your line of sight. Visual clutter leads to mental clutter which leads to stress.  If you do want to add to the visual aesthetic, a good way to decorate without muddying your line of sight is modern wall decals depicting relaxing locales. By decluttering and organizing your bathroom, you can obtain the clean look that leads to relaxation.  And if you simply can’t bring yourself to throw out half of your lotions and potions at least tuck them away in a basket or bin.

Set the mood with candles. Bright lights are great when you are trying to shave or brush your teeth, but when it comes to relaxing, it is the soft flicker of a candle you are after. For a few dollars in candles, you can turn down the lights and turn down your stress.

Use your sense of smell to relax. Your sense of smell it a powerful thing. By using candles, soaps, bath salts, or any other smelly things that have the right scents, you can breath your way to complete relaxation. Try anything with lavender if you’re trying to fall asleep. Nothing says clean like the smell of eucalyptus. Mint and citrus are rejuvenating. Pick the right scent for you and float away.

Invest in plush towels, robes, and bathmats. Remember, the softer the better. Nothing feels better after stepping out of the bath or shower than surrounding yourself in a luxurious and plush towel. Spas surround you with softness. Mimic this at home and you’ll never regret the cost.

Play the right music. An essential part of the spa experience is how a spa sounds. Mostly, its quiet. The little sound you do hear is soft instrumental music, usually with the sounds of nature playing with it. Simply closing your eyes and listening to this music will calm you immediately. Invest in similar music and your house will sound like a spa in no time.

One of my favorite perks at a luxurious spa are the snacks.  I just feel like a queen lounging near the cool plunge waterfall nibbling dainty treats.  But if you really think about what you are eating these are not expensive food items.  Cover the top of your hamper next to the tub in a white hand towel and put a glass and pitcher of extra chilled water with sliced cucumber or fruit in it. Add a small bowl of natural granola, nuts, or my favorite– chocolate and Voila!  You’re set.

So if the hustle and bustle of the holidays has put a kink in your neck, but your spa budget was snuffed out with 2012 use these ideas to mimic one at home and get ready for a richer and more relaxed year in 2013.

What affordable additions to your home spa would you make friends?

Article publié pour la première fois le 16/01/2013

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Being money smart at a casino

Everyone knows that there simply are never enough hours in the day to accomplish everything that we want to do. Technology has tried to assist in this matter by making many things easily done online. This has even included the way in which we enjoy casino gambling. The creation of online casinos has made it possible to enjoy gaming from home or even other places on the go. With this new technology comes the need to make sure your gaming environment is a safe one.

When playing any mobile casino games or any casino games online, make sure your computer is protected with the most up to date virus and anti-spyware protection. Also be sure to set the option for this software to automatically update as well as perform periodic scans to ensure your computer remains free of viruses and spyware.

Use the internet to help you research a potential gambling site you may want to join. There are many independent websites out there with unbiased reviews about the site. These reviews can provide you a quick and easy indication about a site you may wish to join. If there are any fraudulent activities associated with the site, these will often be revealed after performing an internet search. If you are unable to find any information, good or bad, about a site, then you probably shouldn’t join that site.

Online casino sites will never ask you to provide them with personal information via email. If you should receive an email requesting such information, do not respond to the email. Usually these emails are phishing for you information with the intent of defrauding you. Reputable casino sites will only ask for information from the main site where they can provide encryption of your data. This would include making changes to your personal information or other sensitive account information.

Article publié pour la première fois le 01/12/2013

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Jump Start Next Week This Weekend

Did you know that 1/3 of diets started on Monday are given up by Tuesday?  Weekdays are busy enough without packing your 1,000,000 item to-do list in there. This weekend, try getting ahead by tackling a few items on your scroll (it must be a scroll if there are a million items on it). 

 

Update your playlist.

Every time I pick up my iPod I’m reminded that I need to mix things up a bit.  I’m no longer in the mellow mood that I was when I loaded 15 Jewel songs.  What better way to motivate yourself to cross off more tasks than with some uplifting tunes? I’ll even get your started with some of my new ones:

  • Fantasy – Mariah Carey
  • Good Time – Alan Jackson
  • Runaway – Gary Allan
  • Got My Mind Set on You – George Harrison
  • Warning – Green Day
  • Mexico – James Taylor
  • Stronger – Kanye West
  • Let it Rock – Kevin Rudolf
  • Let’s Groove – Earth, Wind & Fire
  • Stay – Jackson Brown

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Article publié pour la première fois le 30/07/2010

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