Thursday, 4 June 2020

Keep Your Dreams Alive

It is important to have Dreams and keep them alive in your mind. I mean the visions of the future that you want to make real. Those are great motivators for you.

As in to motivate you into action, action which will make your Dreams a reality.

A Dream that has been turned into a specific, measurable event or the acquisition of a tangible item by a specific date is a Goal. 

(Such as buying land/a house in five years.)

A Goal that has a series of steps to make that Goal happen along with some sort of measurable metric is a Plan. 

(Such as a savings target with a way to measure the amount in your savings.)

All that is then left to do is to work your Plan and keep measuring your success towards your Goal. 

(That is to motivate you to keep going, or perhaps trigger you to alter your Plan, as needed in order to make sure you achieve your Goal.) 

Yet all of that is moved forward by you keeping the vision of what you want to achieve alive and well in your head the whole time. 

Hold on to your Dreams!

As always: Keep your head up, your attitude positive, and keep moving forward!

Wednesday, 3 June 2020

Consistency And Dedication Are Key

If you want to accomplish anything in life (great or small) you need to have the dedication and put in the consistent effort required in order to complete that task.

It really is that simple, the secret to my success (such as it is, thus far). I had a vision, made a plan, then decided to put that plan into action.

I have been working that plan ever since. Every day, every payday I nudge myself a little bit more forward towards my goals.

It is not a way to get things done quickly, but it is a way to get things done.

Yet you have to not only get started but stick with it. That is where consistency is arguably a bit more important than dedication.

You can develop dedication by setting up a pattern of consistency. For me it is just what I do, I revise my budgets for each payday, as I go.

On payday, I enact that budget. Throughout the payperiod I keep referencing and updating my budgets with what I have done, what I have spent and what I haven’t.

It is a pattern that I have established, a pattern that became a habit, a habit that has proven to help me succeed. 

It is seeing me succeed that has helped me keep dedicated to my plan to achieve my goals and dreams.

So, set up a pattern of success and consistently work it, dedication and success will follow.

As always: Keep your head up, your attitude positive, and keep moving forward!

Tuesday, 2 June 2020

We Didn’t Start The Fire

It’s an apt song for any time, as in the song of that name from Billy Joel. Sure, it lists a bunch of names, but it says more than that.

What it conveys is there has always been controversial people and events throughout history. 

That song highlights the key ones from the end of the second world war until the mid-eighties.

It is an answer to the feeling that things now are way worse than they have ever been and the world is coming unglued at the seams.

Are there bad stuff happening? Yep. 

Things that should never happen? Yep. 

Being done by people who shouldn’t be doing them? Yep.

Are people getting hurt in the process? Yep. 

People that should never have been hurt in the first place and don’t deserve to be hurt? Yep.

My point is to calm down, and refuse to react emotionally to every little thing that goes on. There are people who benefit from a general feeling of instability.

Calm down, relax, think things through and deal with situations as they come with a calm and rational mind.

There are ways of dealing with injustices that are not violent, that are not destructive. As in: legislative, judicial, democratic. 

There has always been injustice and inequality, always. I am not defending it but just pointing out the obvious.

Such injustice and inequality falls along monetary and wealth lines not race lines or those of gender. (Arguably more along the lines of morality and a sense of humanity).

Stay calm, stay safe, and go forth and make real change in our society. 

As always: Keep your head up, your attitude positive, and keep moving forward!

Monday, 1 June 2020

New Month, New Page

So, it is a new month and with it comes a new payperiod, two of them in fact, and that is the nice thing

Why is it nice? Well, with the way the days fall, I have more days, and yes more hours on my paycheque. 

Those who are paid by the hour know how precious this is, as it means that I start off with more money coming to me than other payperiods.

The ones in May were disastrously small, so much so that I had to raid my Holiday Fund at work in order to top up my paycheque. 

I refuse to accept any paycheque that is smaller than my “Budgetary Minimum” a number that I established years ago, when I was buried in debt.

It was the minimum number that I needed to see on that paycheque in order to pay my bills.

Since I have gone through so much in order to claw back all of my paycheque (well, the after tax portion) then I refuse to take less money because I “need” less.

(Don’t get me started on no raise since 2014.)

Anyways, with sales being slower and lower at this time, it is more vital than ever to start off with a larger number, as I can’t really rely on my commission (from online sales) to bump up my paycheque.

So, new month, new better fiscal outlook! Happy times ahead, because I choose to see it that way.

As always: Keep your head up, your attitude positive, and keep moving forward!

Friday, 29 May 2020

Not De-Wintering Wanda This Year

So, I have been looking around and it seems that campgrounds are still closed in my neck of the woods and will be for a bit longer yet.

While it is true that it seems that the provincial campgrounds will be opening up June 1st, that is Monday, as in after this weekend.

So, I could book a site and go camping at a provincial campground next weekend, it is not happening this weekend.

Yet the provincial campgrounds have water at a few taps here and there but only have electricity at the campsites themselves.

So, flushing the system out is not possible at a provincial campground, despite how nice they are.

So, here I am at June and staring down the first weekend in October when I winterize Wanda, and saying to myself . . . it’s just not worth de-winterizing this year.

This whole Covid-19 thing just threw everything off kilter, including my de-winterizing. 

Add to that the block of ice in my Black-Water Tank, and you see why things took longer than usual for me to be ready to de-winterize.

I will be okay, as running water in Wanda is a luxury and one that I can take or leave as it has been so long since I have had steady 24/7/365 running water in my home.

I’m used to packing water in off my back and just being thankful for being able to use my toilet, sinks and shower drain.

Oh look I just saved the cost of de-winterizing and the cost of winterizing in October.

This is just one of those little speed-bumps that happens in life and something that you just have to get used to taking in stride.

Such is life.

As always: Keep your head up, your attitude positive and keep moving forward!

Thursday, 28 May 2020

Just Puttering Along

I am doing okay, could be better, could be worse, but all in all, I’m doing fine.

I am working on just being happy with who I am and my current situation, yet never lose that drive to better myself and my situation.

I am on track to having my home, a home that I plan to be a large home full of people and life.

I’m not there yet, not close, but I am just puttering along, towards that goal.

As I keep saying: I’ve got a plan, I’m working that plan, and the plan is working!

As always: Keep your head up, your attitude positive, and keep moving forward!

Wednesday, 27 May 2020

Funding Two Funds

So, a couple of months back I dipped into my Mid-Term Savings (Considerably) in order to do some investments. 

Once was back in February to top up my TFSA to a target level (seriously, I don’t know why I did this as it was just an arbitrary number in a savings account).

The other time was when the market crashed and I decided that then was the best time to get into the stock market. 

(As in the day that the market wiped out all of the gains that it had made since 2016).

Since then I have been trying to put some cash into my Mid-Term Account as well as the markets (my TFSA).

I want to do both, and do them aggressively but I can’t, so I can either do one aggressively and ignore the other or do them both cautiously.

I do want to have my Mid-Term Account fully-funded, but I also know that the stocks that I like are now in a “Buy” position, so they are relatively cheap right now.

So, I will continue to do both, as my plan is a medium-term plan that will take 5 years to run, so I can take the next three months to fund my Mid-Term Account.

Things may happen that will cause me to change my plan, as I always have to be adaptable.

I may not know exactly what my future holds, but I do know that it will require, or be enhanced, by having some sort of savings.

Both the kind that I can access right away (Mid-Term Account) and the kind that I will build up and access for larger life goals (Long-Term Account/TFSA).

As always: Keep your head up, your attitude positive and keep moving forward!