Sung to Katy Perry’s I Kissed A Girl…
This was never the way I planned
Not my intention
I was so dumb, shoes in hand
Lost my discretion
It’s not what, I usually do
Just wanted to try them on
They were way too expensive
Caught my attention
I bounced a check and I hated it
Got calls from the bank
I bounced a check and I hated it
I hope my credit score isn’t wrecked
It felt so wrong
It felt so bad
It means I’m in debt tonight
I bounced a check and I hated it
I hated it
February 6th, 2009
Gwyneth Paltrow’s latest GOOP posting (www.goop.com) shares her post-holiday cleanse, complete with menu and bowel movement advice. This year, rather than simply focusing on being thin focus on becoming rich. You can start by truly assessing your financial condition. If you’ve never made a budget, do so. If you’ve never calculated your net worth, try it. If you have credit card debt or other debts develop a plan to pay them down or off – if your debt is caused by excessive shopping vow to hit the gym instead – you’ll get thin and rich at the same time.
Wallis Simpson, the American divorcee for whom King Edward VIII gave up the throne of Great Britain, is often credited with originating the saying “You can never be too rich or too thin.” However, she was wrong. You actually can be too thin- anorexia looks pretty on no one and size 27 jeans cost the same as size 31 jeans so smaller sizes do not help you save money – but you can never be too rich.
January 7th, 2009
It’s not what you wear – it’s how you wear it. Similarly, it’s not what you budget – it’s how you use it. Most budgets fail because they are seen as a restraint as in the plaintive, “It’s not in my budget.” Instead, start thinking of a budget as a way to help you achieve your life’s goals and dreams. A budget doesn’t tell you what you to do, it tells you what you can do. There, isn’t that more palatable already?
For a budget to succeed, it helps to have goals. Goals can be short or long-term, large or small. In fact, it’s good to have goals for both. So you’re coveting …? Whether … is a new car or an expensive cashmere sweater, make use of your budget to save for it. Set aside a certain amount each month so you can eventually afford it. However, if the amount puts you over your monthly spending allowance be sure to compensate elsewhere in your budget.
The only way to find out if your budget is actually working is to track your actual spending against what you had planned to spend. How do you do this? Continue to keep those receipts. At the end of every month, add up what money you actually made, what money you actually spent, and what you have left over. Then compare it to what you planned when you made up your budget. If you spent more than you expected, spend less next month. If you spent less, think about putting the surplus money into a savings account.
January 5th, 2009