A bit ago Alan Corey was kind enough to send me a copy of his newest book, The Subversive Job Search: How to Overcome a Lousy Job, Sluggish Economy, and Useless Degree to Create a Six-Figure Career. (Now, that’s a subtitle!) I was glad to receive it because I enjoyed his first book, A Million Bucks by 30.
The one thing I noticed about this book is that he seemed so much happier in his author photo on this book than he did on the first one. He agreed, and credited it to having a little bit more notice of needing one on the second book. I guess that the first one, um, caught him unawares.
Starting over is painful
We’ve saved a bit of money on some of our staple grocery items by not buying them in the store. Services like Amazon’s Subscribe and Save and Walmart’s Home Free™ Shipping let us get a number of items we use regularly at quite a bit of savings.
The problem with bargains
Buying from here works great … except when it doesn’t. Apparently we’re not the only ones that have found these great deals, and sometimes there isn’t enough deal for everyone who wants one. The problem with bargains is that they don’t remain secret for long.
I’ll start off this post with a couple of questions: What comes easy to you? What comes hard to you?
Hopefully you have a good answer to these questions. Or several good answers to these questions. Pretty much everyone has things they do well, and things that they screw up royally when they try them. Usually they know what these things are.
This may be a harder question, though: Have you admitted to yourself what comes hard to you?
This is a different question entirely. Knowing what you’re not that good at is one thing. Fully embracing that fact and writing it off is another. Doing that takes more time and more soul-searching, and is a bit more painful perhaps, but it can freeing to do this.
Math always will be hard for some people
Perhaps you’ve experienced this. You’re going about a typical day at home. You’re catching up on some homework (or housework), playing with the kids, or spending time with your roommates or significant other.
Then, you hear this banging in the next room that is enough to wake the dead. Your clothes washer is in rebellion, it’s mad as all get-out, and it’s not going to take it anymore. So you give it some attention: You push on it a bunch of different ways during the spin cycle to try to calm it down. But over time, this gets harder to do, and you’re getting a sinking feeling that it could fail any day now.
It would just have been a matter of time
Our primary credit card was compromised. Again.
We noticed a spurious $9.84 charge when looking over our Chase Sapphire statement. A quick visit to the website and a bit of Googling revealed the bad news.
So we called up Chase, reported the transaction, and they credited it back to us, no questions asked (they’re good like that). They canceled our current card, and rushed us a new one for free, which came promptly (they’re good like that, too).
Following that, we looked over our recurring charges on that card, and saw only one that was due to be posted soon. A couple of days later, when my wife went to the business to change the credit card number on file, and to pay if needed. she was informed that the charge had bee posted that morning, and that the system was reporting that our account was paid up. So, she left without paying anything.
A friend recently took her family to Walt Disney World over the holiday break, as many families do. (She gave me permission to write about this, by the way.) Hurricane season is over, and, well, it’s cold in a lot of the country. It’s usually not cold in Florida this time of year.
And a Walt Disney World vacation isn’t known for being on the inexpensive side. Everyone who’s gone down there that I’ve talked to has enjoyed themselves, and forged a lot of good memories with their children, though.
A vacation at Disney … but cheaper?
You may have heard “ABC: Always Be Closing.” But what about: “Always Be Creative?” Or: “Always Be Charming?” Pick a few of these and level up …
Some time ago, I read this article on Cracked (fair warning: strong language and not really safe for work) talked about six harsh truths that will make you a better person. (It's since been updated for 2019.)
And harsh, it is. I don't necessarily agree that we are nothing more than our value to other people. But as far as learning new skills, it's spot on.
While some people think that it’s crass to give gift cards or cash as presents, I’m just fine with it. A gift card can show thought just as much as any other gift, especially if you know what the person likes and can give a gift card to a store that they like.
And if you’re of the opinion that gift cards are good, then cash is even better. It’s the most fungible of gifts. There’s very little that’s locked in about what you can buy with cash (except the country or countries that accept that particular form of cash, of course).
Any money burning in your pocket is self-ignited
Along with the ability to spend gift money on whatever you choose, is the ability to not spend it. That’s what we do with our paychecks, right? We budget (or not!), and we decide to spend or save.
There’s no good time for a company to have a financial security breach, but it’s hard to find a worse time to have one than the start of the holiday shopping season. Target confirmed that as many as 40 million credit and debit card holders may have been affected for purchases made between November 27th and December 15th of this year.
Members of my family had made purchases at Target over the past few weeks, and have had their cards replaced. It’s an inconvenience to need to reset subscription payments and update credit card information in numerous places.
JC Penney’s will be luring customers into its stores with pants priced at under two bucks this holiday season. I do give them quite a bit of credit on that one. Among discounted Blu-Ray players, large screen TVs, and laptops, pants at better than thrift store prices is so … ordinary. But so practical! If I were to try for one (or a dozen) of these, I might have a shot. I wouldn’t have had to start lining up a week before Black Friday.
“We’re all hurting. Let’s make sure everyone else hurts more.”
I have no clue what each pair of Izod pants costs JC Penney’s. It could be that they’re not losing a whole lot of money on those items. But in general, loss leaders are called that for a reason: they sell for less than cost. The store is counting on the loss leader to result in offsetting, profitable sales.
Facebook
Become a fan
Twitter
Follow us
RSS
Subscribe