6 Ways to Manage your Wallet and Minimize Your Spending
February 2008
One of the first major challenges I had to overcome during my financial turnaround was right there in my own back pocket. It was an overstuffed monstrosity, holding several credit cards, a gigantic pile of receipts, and a plethora of other nonsense. When I actually needed something out of it, it was a challenge to find it amidst the chaos - but somehow it was easy to find a credit card in amongst the junk.
What I eventually found is that an optimized wallet helps with personal finance recovery and with remembering seldom-used but key pieces of information. When I moved from using the wallet as a catch-all to using it as a tool, I began to realize that it could save me a lot of time and money compared to the way I used to do things. Here are six of the tactics I used.
Junk all but at most two of your credit cards.
Wrap a picture of your goal or inspiration around your credit card.
Use it for password storage.
Merge some of your rewards cards.
Process your wallet once a week or once a month.
The next time you buy a wallet, don’t buy a cheap one.
Read Six Tactics for Modifying Your Wallet to Minimize Your Spending and Maximize Your Time
Could your summer fling be a long-term thing?
January 2008
You thought it was just a summer fling, but now you’re not so sure. Can your summer fling become a long-term thing? What started out as carefree and spontaneous has become far more involved. You wonder: “Is this something I can commit to?” But then again, how do you know if it’s going to last?
Are we compatible?
Do we connect?
Do you think I’m hot?
Can I talk to you?
Do we fight fair?
Can we trust each other?
Strong foundations:
• Be positive
• Embrace the tough times
• Be careful how you mentally filter information about your life with your partner
• Choose your words carefully
You will know your new relationship is moving forward when you’re no longer thinking exclusively in terms of “me” or “I”. You see yourself as part of a couple.
How deep is your love
24 ways to get the rest you need
January 2008
Blessed sleep - the holy grail of health. Lack of sleep can send your blood sugar levels skyrocketing, contribute to weight gain, lead to depression, put you at risk for diabetes, and cause brain damage.
1. Create a transition routine
2. Figure out your body cycle
3. Sprinkle just-washed sheets and pillowcases with lavender water
4. Hide your clock under your bed or on the bottom shelf
5. Switch your pillow
6. Choose the right pillow
7. Switch to heavier curtains over the windows, and use them
8. Clean your bedroom and paint it a soothing sage green
9. Move your bed away from any outside walls
10. Tuck a hot-water bottle between your feet or wear a pair of ski socks to bed
11. Kick your dog or cat out of your bedroom
12. Sleep alone
13. Take a combination supplement with 600 mg calcium and 300 mg magnesium before bed
14. Eat a handful of walnuts before bed
15. Munch a banana before bed
16. Drink water before bed, not fruit juice
17. Take antacids right after dinner, not before bed
18. Listen to a book on tape while you fall asleep
19. Simmer three to four large lettuce leaves in a cup of water
20. Give yourself a massage
21. Take a hot bath 90 to 120 minutes before bedtime
22. Use eucalyptus for a muscle rub
23. Spend 10 minutes journaling the day’s events or feelings
24. Keep a notepad at your bedside along with a gentle night-light and pen
Achieve a Deep, Uninterrupted Sleep