I’m a planner. I tend to write things down. My daughter is the same. If I’m away from home and don’t have pen and paper available, I’ll send myself a text using my phone. Outside of texting my daughter, it’s about the only time I use my text function or any other “smart features” that my iPhone possesses.
I’ve been thinking about getting a whiteboard for a while. I think of it as my Vision Board. I have one in my head and do write it on paper, but it might be nice to have something physical that I see daily. Currently, I’m researching them. Do you know they aren’t all the same? Some aren’t suitable for heavy use and since mine will receive a lot, it makes sense to purchase a suitable board. The dry erase board would mainly be utilized for my small business. Using it is something that I don’t have to think about, I would! I love order and this is just one way to accomplish that. I most likely will purchase one within the next few weeks. Joining me on my journey is my daughter. She has a large chalkboard on a wall in her room. She’s had that since she was about nine or ten. Over the years, it’s received a lot of use and it really should be replaced. I do believe I’ll replace that with a whiteboard. When I told her about this, she was ecstatic. She has a small one and uses that often.
I’m Loving the You Need a Budget (aka YNAB) Software
Regarding the You Need A Budget software, I like it a lot although I’m not thrilled that it isn’t available offline. However, if I DON’T find an equivalent, I’ll definitely be purchasing this software. It reminds me a lot of my written budget but this does things a bit quicker. I’ll still keep my written budget, but YNAB can take things to a higher level. YNAB is simple to use, but to stay on top of your finances you have to stay on top of it, at least initially. I imagine as the months progress, I won’t have to be as diligent since the fields I’ve created will carry over into the next month. Another thing I’m enjoying are the free classes that YNAB offers to everyone. By the way, I’m not getting paid to write about YNAB, I’m just impressed and thought I’d share some of what I’m learning here on my website.
Yesterday I sat in on a webinar that was geared towards businesses and later in the week, I’ll tune in to listen to a class focused on ways to save for big expenses without using credit cards. Granted, I already know how to do this, my last semi big purchase was my Toyota Prius, If you factor in the car purchase ($3,000) the tags, taxes and insurance, it was a little under $3700. I paid that in full with my debit card. I’ve made much higher purchases, but I’m always open to listening to discussions about topics I’m familiar with and I might learn a few things also. What gets my attention? Someone that manages their time, or is willing to learn how to manage their money wisely. Granted, there are going to be cases where this is difficult or even impossible to accomplish based on debt, job loss, etc., However, I’m referring to those who aren’t in any of those situations but by their appearances, could care less about their future. I have met people my age (46) who have done nothing to save for potential retirement. That to me is a bit scary. There’s no way I’m relying on the government to take care of me if/when I decide to stop working. So naturally, my partner would have to have a similar mindset. I have no desire to have anyone sponging off my hard work simply because they didn’t plan for their retirement. That’s something else I’m looking into, retiring earlier. I still have several years to decide, but until I make that decision, I’m tossing a lot towards turning that into a reality… if that’s my choice.