Tag Archives: financial education

Reality Checks

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Posted by on in Assistance, children, collaborating, Community, Education, impediments, Inspiration, Personal Values, service, Social, Spiritual, Striving

December 5, 2025- The earnest young man said, with a straight face, that he fully intended to finance a new vehicle, using his available income from a part-time job cleaning office buildings around his town. We went over the cost of the desired vehicle, the number of months it would take to pay off a loan-if one were even available and the amount of money he would have to set aside each month, just to pay the loan amount, never mind insurance, registration and maintenance. It didn’t take him long to pivot to calculating the monthly costs involved with purchasing a used car, for 1/4 the amount of a new vehicle.

When I was a similar age, I had a grand uncle who would calmly disabuse me of similar outlandish dreams. He never tried to actively talk me out of any pipe dream, but used facts, numbers and the sort of logic that said “This is all achievable-just some day, not right away.” In running this morning’s round table discussions with juniors and seniors at a local high school, regarding financial planning, I used the same mentoring tools. The students could see that I am still standing, even through a fair number of missteps and setbacks. My ending point was that it is not the mistakes that matter, in the end; it is the aggregate of lessons learned.

This morning, regarding grandparenting, I was reminded that the elder’s greater wisdom shines brightest from the ability to listen to the grandchild; to be the safe haven and by extension, the greatest emotional support. It takes nothing away from parents, but does offer the child another place where s(he) can feel validated. It is that affirmation that builds the emotional strength a person needs, to successfully withstand all manner of negative pressures.

Today’s seminars were a good round of practice in that regard.

Economy Kick

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Posted by on in Assistance, collaborating, Community, Family, impediments, Inner Struggles, Inspiration, Personal goals, Personal Values, Social, Striving

October 12, 2022- When we were kids, there would occasionally be times when Mom would announce to us that the family was on an economy kick. That was about the extent of our involvement in family finances, but we knew that costs were outweighing income, and not to ask for anything extra. We got three meals a day, without fail, the house was comfortable and well-kept, and the clothes were always clean. Not much else really mattered, even to me, in the throes of autism, of which I knew nothing.

I had to manage a household, myself, during Penny’s decline, and through being frugal, managed to keep 3-6 people fed and comfortably housed, even while working through Chapter 7 and the uncertainties of the housing crisis, combined with medical costs. The economy kick came, almost with its physical counterpart- when an Arizona state employee came to the house and demanded I turn over Penny’s care, and her benefits checks, to the state. It didn’t happen.

Every so often since, frugality has been my answer to the forces of greed and deprivation, when they stage assaults on our well-being. I know that the financial markets, being global entities, are not cash cows, so when they get raided, I know to tighten the belt. This is what I am doing now, though it may not look like it when I head up to see friends in Nevada and Idaho, in a few days. The thing is, I don’t cancel plans to visit people, just because the powers that be are trying to take us all down a notch.

I do keep my spending to a dull roar, and am quite happy even sitting in the apartment, watching shows and reading. A foray or two to Planet Fitness, or to the neighbourhood park, works nicely, as does a walk downtown. In time, these ebbs will return to being flows, as they always do. Someday, too, the controllers of the purse will realize that prosperity for the masses of people does not mean they themselves must go without. It is not a zero sum game. In the meantime, I will continue use my funds wisely, as ever.

Reading List and A Full Plate

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Posted by on in distraction issues, Fiction, Inspiration, Personal goals, Personal Values, Social, Striving

January 7, 2017, Prescott- 

My best friend and I had a wide-ranging conversation, yesterday, about  inner peace, among other things.  She suffered a loss, recently, and the subject arose about those who blame others for their pain and suffering.  Neither she nor I blame anyone but ourselves, if things go sideways in our lives.  I love her dearly, but if she bid me farewell tomorrow, I would go on, and figure it wasn’t meant to be, for longer than it was.  On the other hand, I am glad for every minute of our friendship, and will treat her like royalty, as long as it lasts.

Those of us who are blessed by the Universe tend to have a mighty full plate.  I was informed today about another responsibility that my fellow Baha’is would like me to assume.  My financial education continues, work resumes tomorrow and I still like to read as many of  the posts on my Reader, as humanly possible.    Exercise remains important. I will also make time for M, when she needs me. So, the schedule remains, 4:30 AM-10 PM, 6 days a week, and a “sleep-in” until 5:30, on Sunday.

My winter reading list is also present, to fill in the “gaps” in my day:  “Cash Flow Quadrant”, by Robert Kiyosaki; “Facing Grief With Eyes Wide Open”, by Medea Bavarella Chechik; “Tribe”, by Sebastian Junger; “Winter of the World”, by Ken Follett; “Footloose in America”, by Bud Kenny; “The Elegant Universe”, by Brian Greene.  That should last until March 21, or 31.

We were talking, at a meeting today, in Phoenix, about how people often assume the young and the old have lots of time on their hands.  I can’t speak for the kids, but there is joy for me, in choosing to maintain a full schedule.