Feb 032012
 

Hello everyone! This post was originally intended to be a recap of January here, with some acknowledgements, but I thought I’d first bring up the topic of buying organic. I’m curious what your thoughts are on the subject.

Buying Organic – How Often is it Truly Important?

This came to mind from a couple of places. First, the notion that seemingly everywhere we go in a grocery store, we’ll see some foods being labeled as organic. Be it fruits, vegetables, dairy, meat, or anything else – it appears that there may be a really solid market out there for products sold as organic. The second place this topic came from was a conversation I had recently with someone, who strongly believes in organic as much as possible when it comes to diet, thinking it’s more than worth the extra cost.

Now, I do subscribe the the notion that investing in quality, fresh, nutritious food is a smart move. Obviously, your health will likely be better off with such purchases being consumed. Additionally, taking a financial angle, making smart choices each day can lower health care costs over the long run. It’s clear that choosing good nutrition can positively impact the quality of one’s life.

That being said, my thoughts have been that this more the case when choosing between alternative types of food. For example, choosing a frugal breakfast of oatmeal is likely a better choice than eating a bagel. It’s healthier and likely cheaper too.  However, when choosing between the same food – but one option is organic, and the other regular (non-organic) – the decision gets a bit fuzzier to me.

Here’s an example: if I want buy blueberries, and a container of regular berries costs $2.50, but organic berries cost $4.00, is it worth paying $1.50 for the organic version? Keep in mind that the quantity of berries is the same.

This example can be applied to any type of food, whether fruit, vegetables, dairy, etc. The idea of paying more for the same type of food that looks the same, but has the “organic” label, always makes me wonder. Personally, for the kids, I might get organic milk and cheese. That seems worth it, when I think about hormones and dairy. But I really wonder about some of the other types of foods, and often think that we can wash things thoroughly. I mean, if I buy a non-organic apple, for example, am I really doing something unhealthy? Is there that much of a difference between an organic apple and a regular one that’s been washed?

When you look at the potential volume of food that we can buy organic, the incremental costs could really add up. That gets me wondering how we should pick our spots buying organic, and how important it always is. I mean, I’ve seen cotton being noted as organic!

Feel free to convince me. I’m focused on nutrition now, and would like to hear any thoughts on this topic. If you think I’m wrong, please feel free to tell me why. I’m open to change :)

My Questions for You:

  • Do you place a high value on buying organic, or do you look the other way
  • If you do buy organic, what do you purchase in that category and why?
  • Do you have any advice or suggestions for others deciding on whether or not to buy organic?
Jan 072012
 

Well, we’re into 2012 now, and hopefully it’s off to a great start for you. The new year is often such an inspirational time, given the clean slate that we have. Hey, might as well use the marker of a brand new year to start making the positive moves that will help you reach your goals, right?  As I posted on the first of the year, I’m pulling for your financial success in 2012! And of course, much happiness in general for you.

The new year also marks a good opportunity to reflect back and recap the prior year. Along those lines, I’d like to briefly share some thoughts on the development of Squirrelers in the past year. I won’t go into a long dissertation with massive amounts of stats, but just a quick look at how things have progressed.

Stats

There are many things one can consider, but taking a look at the amount of people visiting Squirrelers throughout the year, it’s gone as follows:

Total: 77,968

Q1: 10,889

Q2: 13,864

Q3: 24,061

Q4: 29,154

It’s cool to see that Squirrelers has attracted more visitors as the year has progressed, based on looking at the quarterly figures above. As it stands now, 800 people follow via Twitter, and 458 people are subscribed via feed or email. While I don’t have the beginning of 2011 numbers handy for these two metrics, suffice to say that the totals have markedly increased.  It’s flattering to know that more folks are not only visiting, but also coming back and ultimately following.

Most Viewed Posts

It was interesting to go back and see which posts received the most attention during 2011, taking into account all since launch in 2010. Here are top 10 posts in terms of pageviews:

  1. Stock Returns by Month: Interesting Historical Trends
  2. Tax Rates by Country
  3. My Best Customer Service Experience Ever
  4. Your Will: Give Equally to Kids or Not?
  5. The Role of Money in our Life
  6. Is there a Silver Bubble? How High Can Prices Go?
  7. Survival of the Fittest in the Workplace, and Myths About Fairness
  8. The Case for a Bigger Emergency Fund
  9. Vacation Days by Country: How do we Rate?
  10. A Dollar Today > A Dollar Tomorrow

Top Referring Sites

I’d like to offer a sincere THANK YOU to those who have been referring sites, helping to bring people this way. Along those lines, I’d like to recognize the top 20 referring sites. These are the 20 sites/blogs that were provided the highest referral traffic to Squirrelers in 2011.

  1. The Simple Dollar
  2. Yakezie
  3. Lifehacker
  4. online-sweepstakes
  5. MSN Money
  6. Free Money Finance
  7. Budgeting in the Fun Stuff
  8. Len Penzo
  9. Everyday Tips and Thoughts
  10. First Gen American
  11. Grumply Rumblings of the Untenured
  12. Wisebread
  13. Mighty Bargain Hunter
  14. Get Rich Slowly
  15. Carnival of Personal Finance
  16. Interest.co.nz
  17. 101Centavos
  18. Festival of Frugality
  19. Money Talks News
  20. Invest it Wisely

Looking ahead to the rest of 2012

This year, I’m planning to keep the momentum going and continue to grow Squirrelers. If anyone has any specific comments/feedback on what topics you’d like to see more of (or less), please use the contact form in the upper left corner of the page, or email me at admin (<at>) squirrelers (<dot>) com. The idea is to have Squirrelers be a blog you enjoy and keep on your reading list!

One project that I’m considering undertaking is a site redesign.  I’m considering changing the visual aspect of the site a bit, perhaps streamlining and adding some color. It might involve a different theme.

Additionally, as part of growth, there is another blog in the works! It would cover a different area of personal finance and life. Stay tuned :)

Thanks again for being a part of things last year, and making it so much fun. Looking forward to a great 2012 for all of us.

 

 

Dec 012011
 

With December upon us, I thought this would be a good time to look back at November, and take a look forward to 2012 as well.  With the former, I’m referring to – well, acknowledging the top referrers to Squirrelers from the prior month, as well as making some other acknowledgments. With the latter, I’m talking about looking at 2012 money resolutions and taking them for a test drive early – as in now!

Getting a Running Start on New Year’s Resolutions

Recently, I started to give some thoughts to 2012 resolutions, within the personal finance realm and otherwise. Those goals will be in place for January, so the New Year can be started with a clean slate and new aspirations. Not sure how you see it, but New Year’s goals can help provide extra motivation and more importantly some clarity and something to shoot for.

Anyway, I was thinking about it, and it occurred to me: as we think of resolutions for 2012, why wait until January 1 to start?

Calendar dates dictate so much of what we do, but why do they have to control behavior change? If we have specific things we’re working toward, we might has well get a running start on them. It’s like a car that can’t go from 0 to 60 mph instantly, but can get to that speed in less time if it’s already moving.

For example, if you know that you’d like to spend less money on eating at restaurants (yeah, that’s me), why not just do it in December? No need to wait until January 1st. Same applies to other personal finance goals, be it spending less money, increasing income, working less, increasing financial knowledge, or whatever the case may be.

I still do like the concept of New Year’s goals, as they’re clearly delineated, traditional, and do provide that clarity of purpose that I mentioned earlier. But it certainly couldn’t hurt to get started now. Not that I want to cut out those meals from my favorite places, but hey – might as well jump in now, right? There’s no time better than the present.

Top Referrers in November

The following were the sites that referred the most visitors to Squirrelers last month. I’ll call these 12 the “lucky dozen” – as in, lucky for Squirrelers:) Special thanks goes out to these folks:

  1. Interest.co.nz
  2. Free Money Finance
  3. Yakezie
  4. So Over Debt
  5. Len Penzo.com
  6. Retire by 40
  7. 101 Centavos
  8. Totally Money
  9. Wisebread
  10. Budgeting in the Fun Stuff
  11. The Dog Ate My Wallet
  12. Everyday Tips and Thoughts
  13. Hope to Prosper

Squirrelers in Blog Carnivals

Squirrelers was in the following blog carnivals in November (including 3 Editor’s Picks!):

Loss Leader Pricing Strategies: At the Pumpkin Patch? was included in the Yakezie Carnival at One Cent at a Time

Sleep or Money? was included in the Carnival of Personal Finance at Barbara Friedberg Personal Finance

Asking for A Discount Can be Fun! was selected as an Editor’s Pick in the Festival of Frugality at Afford Anything

Any Easy Way to Save Money and Work Less was selected as an Editor’s Pick in the Totally Money Blog Carnival

Historical Pattern: Stock Prices Increase on the First Day of the Month was included in the Carnival of Personal Finance at Retire By 40

My Starbucks Customer Service Experience: Loopholes and Deals are Fun! was included in the Festival of Frugality at My Dollar Plan

Squirreling Gone Wild #30: The Elusive Bonus was included in the Yakezie Carnival at The Saved Quarter

College or Entrepreneurship? was selected as an Editor’s Pick in the Totally Money Blog Carnival at Retire by 40

8 Benefits of Using Credit Cards – For Those With Discipline was included in the Carnival of Personal Finance at Compounding Returns

Yogurt, Differentation, and Personal Branding?Yes! was included in the Totally Money Blog Carnival at The Saved Quarter

Consider Emotions vs. Logic When Buying a Home was included in the Carnival of Wealth at Control Your Cash

Inhertiances and Blended Families: Who’s the Priority? was included in the Carnival of Personal Finance at My Personal Finance Journey

 

 

Oct 142011
 

Hello! We’re well into October, with leaves changing here in this part of the country and the weather starting to become fall-like, after a recent stretch of weather more like summer. These changes, plus fun traditions, make this a particularly enjoyable time of the year for many.

Last year, I wrote about Fun Fall Traditions and a trip to an apple orchard that was a really good time. Wholesome, seasonal family activities can be a great way to make memories, and this year was no different. Yes, we took another trip to the apple orchard for apple picking!

This year, we went apple picking at about the same weekend as last year. However, last year involved warm jackets, a cold wind, a lot of apple cider. It felt more like late November. This year, it was 80 degrees with sunny skies and it felt like August. So, maybe some of the experience was a bit different. But hey, who in the Chicago area will complain about 80 degrees when we’re going to be facing months of cold weather. I actually thought about the reality that the beautiful 80 degree weather over that weekend might be the warmest weather we have here for another 6 months, easily.  So in that case, who needs the ‘typical’ crisp, fall apple picking day when you can have a lucky day like this?

Those of you in other parts of the country, particularly warm weather climates, might have totally different fall traditions.

Anyway, this year we cut back on expenses and shelled out $24 for the experience. In return, we got a great day of going out into the field, breaking away from our suburban routine to pick some fresh produce and have a fun yet bumpy hayride as a part of the experience.  We got 25 apples, which puts the cost per apple at $0.96 each, slightly less than last year’s cost.

However, it’s the experience that counts, and it was a blast.  Family fun and memories can’t really be quantified sometimes.  I highly recommend such outings, they’re lots of fun – especially for kids, but for adults too!

Top Referrers

Last month was a particularly active month here on Squirrelers, so I thought it would be a good idea to take the time to acknowledge the top referring sites. The following are the “lucky dozen”, the 12 sites bringing the most visitors to Squirrelers during the past month, September.

  1. The Simple Dollar
  2. Free Money Finance
  3. Len Penzo
  4. Yakezie
  5. Lifehacker
  6. Festival of Frugality
  7. Wisebread
  8. Everyday Tips and Thoughts
  9. Budgeting In the Fun Stuff
  10. First Gen American
  11. Hope to Prosper
  12. Life and My Finances

Squirrelers in Blog Carnivals

Squirrelers has appeared in the following recent blog carnivals:

Carefully Watch Prices – They Can Vary Significantly from Store to Store! was included in the Festival of Frugality at My Personal Finance Journey

Refinancing a Home was included in the Totally Money Blog Carnival at Young Adult Finances

Your Will: Give to Kids Equally or Not? was included as an Editor’s Pick in the Carnival of Personal Finance at Wealth Informatics

Are Actively Managed Funds a Fool’s Game Compared to Index Funds was included in the Carnival of Passive Investing at Free Money Finance

Financial Chemistry was included in the Carnival of Personal Finance at Hope to Prosper.

Squirreling Gone Wild #29 – Pet Expenses and the Bird Brain was included in the Festival of Frugality at Nerd Wallet.

 

Aug 282011
 

Hello everyone! Hope you’re doing well. Before I get into the updates and favorites, I wanted to share with you a small milestone here. No big deal, but for the first time, Squirrelers in on track to exceed 25,000 pageviews in a month. Kind of neat, given when I started the blog in 2010 nobody knew about it and it was my first foray into blogging.

So, thanks to everyone to being a part of it. Those of you that keep coming back to visit and contribute via comments, I especially appreciate it.

With that, I’ll move on to some acknowledgements and recommended reading from the personal finance blogosphere. With repsect to the latter, there was one article that I want to expand upon and encourage you to check out. It was at Wealth Informatics, and titled How to Find Unclaimed Money (and Unclaimed Property). There, Suba tells you about types of unclaimed money and where you can go search for any that may be waiting for you. There are links for the different individual states in the US, as well as a few others (Canada, Puerto Rico).

Besides being a comprehensive resource, this post also got me to click a few links to check on any potential unclaimed money that I could claim. I expected nothing, just did it since I had finished going through the post. Lo and behold, I found that I may be due $230 dollars!

What a nice surprise! The money was from an employer over 10 years ago. Funny, it makes me think back to that time frame, and I had a fleeting memory of wondering then if I was short some salary that might be due to me.  Apparently, I got really busy and never pursued it. Evenutally, I moved from that state.

I ended up filling out an online claim, which then provided me via email a pdf. The instructions indicate that I have to get this notarized, and then I needed to mail a hardcopy to the state office. How long it will take to process is indeterminate. That said, it’s worth printing, getting notarized, and mailing. Might as well try for that money, right? Better late than never with that salary, even if 10 years later!

So check it out. While it would seem logical that most people might not have unclaimed money, you or someone you know might be one of the fortunate ones. You never know, right?

 

Recommended Reading

The following are some other articles from around the personal finance blogosphere that caught my eye lately:

Bucksome Boomer shared Aging Parents, Boomerang Kids, and a Club Sandwich

Everyday Tips and Thoughts shared Evolving Expectations and Reactions

Financial Samurai shared What is Piercing the Corporate Veil?

Give Me Back My Five Bucks shared Dating Etiquette: How to Split the Costs

Money Beagle shared 1 Step to Getting a Better Performance Review

Money Cone shared 10 Reasons Why the Rich Hate Warren Buffett

Money Crush shared How I Finally Cut Back on Eating Out

Money Reasons shared Taking Advantage of Large Corporation Retailers

Wealth Artisan shared Burning Bridges

 

Squirrelers in Blog Carnivals

Squirrelers appeared in the following blog carnivals, in recent weeks:

5 Steps to Increase Your Savings was included as an Editor’s Pick in the Carnival of Personal Finance at Narrow Bridge

Buffett on Gold: He Makes Some Interesting Points! was included as an Editor’s Pick in the Totally Money Blog Carnival at Free From Broke

An Uncool Email Address Just Might Cost You Money was included in the Carnival of Personal Finance at Financial Uproar

The Lucky Fortune Cookie was included in the Totally Money Blog Carnival at Not Made of Money

10 Ways to Lower Health Care Costs was included in the Yakezie Carnival at Frugal Confessions

Revisiting the Rule of 72 was included in the Canadian Finance Carnival

August Giveaway Update: The winners of the August giveaway have been contacted, and accepted the gift cards. Congratulations to Kristen and Lisa!

Aug 062011
 

Hello everyone! Hope you’re doing well and enjoying the weekend. This is going to be a nice weekend of family activities over here, so that should be fun.  Now that we’re in August, I’m noticing back to school shopping happening, and a lot more talk about football increasing of late. With Fall around the corner, let’s enjoy this warm summer weather as much as possible while it’s still here!

Anyway, it’s not we’re going to be outdoors 24 hours a day, so there’s time to review some recommended reading from around the personal finance blogosphere, right? Of course:)

Recommended reading will come below, but first I wanted to:

1) Say THANK YOU for being a part of Squirrelers. I appreciate you, whether you’re a regular reader, lurker, or are visiting for the first time. It’s all appreciated. Also, those of you that join the discussion and have commented really add something extra to the reader experience here. We’ve had some really good comments and discussions, and it’s been a lot of fun getting everyone’s perspectives on different personal finance-related topics.

2) Share with you the blog carnivals in which Squirrelers has participated recently. These carnivals can be a great way to check out some fantastic money-related posts.

Squirrelers in Blog Carnivals

Thoughts on Retirement Prospects: East vs. West was included in the Carnival of Personal Finance at Dealerity.

Commuting Costs: Be Careful, They Can Be Surprisingly High was included in the Totally Money Blog Carnival at Family Money Values

Workplace Benefits Changing: What Matters, and What Does This Trend Mean? was included in the Carnival of Personal Finance at Canadian Finance Blog

Gift Cards: Hurry Up and Use Them! was included in the Totally Money Blog Carnival at Compounding Returns

Firing Your Doctor was included in the Yakezie Carnival at Super Frugalette

Brunch With Visiting Family: Who Pays? was included in the Festival of Frugality at My Journey to Millions

Recommended Reading

Budgeting in the Fun Stuff shared I Found Out My New Insurance Costs – Ouch!

Car Negotiation Coach shared How to Find a Programmer, Web Designer, and Other Freelancers

Cash Flow Mantra shared My Apologies to the Economy

Couple Money Shared Insurance and Family Changes

Everyday Tips and Thoughts Shared Biggest Money Wasters – Or Temptations

Faith and Finance shared Newlywed’s Guide to Budgeting

Faithful with a Few shared Becoming Debt Free: You Can’t Fix What you Don’t Own (guest post by Living in Financial Excellence)

First Gen American shared You’re Not in Limbo, You’re Living Right Now

Frugal Confessions shared Can You Live Off of Your Estimated Benefits in Retirement?

Invest it Wisely shared How to Plan the Ultimate Retirement (guest post by Financial Success for Young Adults)

Mom’s Plans shared 7 Reasons Why You Should Start Thinking about Holiday Christmas Gifts Now

Money Beagle shared Having Health Insurance is Hazardous to My Health

Money Crashers shared How to Go Paperless at Home: 11 Tips and Solutions

Money Crush shared Insure Adequately Now, Be Grateful Later

Saving Money Today shared Before You Agree to Cosign a Loan…

Wealth Informatics shared Cost of Living in California

World of Finance shared Rome Wasn’t Built in a Day

Jul 232011
 

Hello everyone! I hope you’re having a great weekend.

It’s been quite interesting around here in the Chicago area.  

  • Just 2 weeks ago we were dealing with a massive storm with 70+mph winds and tons of rain.
  • This past week, we’ve had a scorching heat wave, with multiple days of 100 degree temperatures with heat indices of 110+. It’s been hot, humid, and like a sauna outside. Hottest stretch of weather in years!
  • Then, last night, there was a massive rainstorm that dumped 7 inches of rain. Yes, that’s 7 inches of rain in the overnight/early morning hours! Record one-day rainfall totals!
  • Keep in mind this is the same place, Chicago, that was slammed by a mammoth winter storm earlier this year that delivered 20+ inches of snow and stranded motorists downtown overnight in gridlocked snowdrift-covered roads.

It’s always interesting around here.  At this point, I’m used to it:) Hopefully the weather has been good where you are.

Anyway, along with some interesting weather, there have been some good reads in the personal finance blogosphere. Below I’ll share some of those, but first I’ll provide acknowledgements on Squirrelers inclusions in blog carnivals, as well as a few giveaways that you may have interest in.

Squirrelers in Blog Carnivals

Squirrelers has been included in the following blog carnivals:

The Case for a Bigger Emergency Fund was included in the Carnival of Personal Finance at Prairie Eco Thrifter.

Doctors and Customer Servicewas included in the Yakezie Carnival at Money Reasons.

Squirreling Gone Wild #27 – The Loyalty Card Workaround Plan was included in the Festival of Frugality at Debt Free Adventure.

We’re Spending Much More Than We Might Realize was included in the Festival of Frugality at RothIRA.

How to Save Up to $500 on Home Improvements While Helping the Environment .was included in the Totally Money Carnival at Money Cone

Giveaways

2 $30 PayPal gift cards are being given away at Investorz Blog

$100 AdWords gift card is being given away at Financially Consumed

Over $400 in Prizes are being given away at Bucksome Boomer

Recommended Reading

As usual, there has been a good selection of posts around the personal finance blogosphere. Here are some in particular that caught my eye. Check them out!

Darwin’s Money shared My Barber is a Multi-Millionaire: Here’s How He Did It

Everyday Tips and Thoughts shared One Person Can Make a Difference

First Gen American shared Inept Craigslist Sellers

Frugal Zeitgeist shared Deadliest Animals (unrelated to personal finance, but interesting nonetheless)

Invest It Wisely shared Are You Investing Wisely in Yourself (guest post by Mighty Bargain Hunter)

Krantcents shared Put Your Name on It

Little House in the Valley shared How’s That for Inflation

Life and My Finances shared What if Your Net Worth Was Revealed

Money Crush shared What Separates The Doers From the Dreamers

Narrow Bridge shared Protect Yourself From Everyone

Personal Finance By the Book shared The Secret of Success

Stock Market Basics shared Best Money Saving Apps

Bucksome Boomer shared Are you Leaving Money on the Table?

Couple Money shared 5 Common Resume Mistakes You Should Avoid

Daily Money Shot shared A Desipcable Act

101 Centavos shared A Couple of Tips on Personal Security When Traveling

Jul 032011
 

Hello everyone! I hope you’re having a great weekend.  Thanks for for being a part of Squirrelers, I appreciate it. Whether you’re visiting for the first time, a regular lurker, or consistent commenter, I totally appreciate your involvement.  Feel free to join the conversations in the posts here, and please do subscribe to the feed (RSS or Email) and follow on Twitter!

Below I’ll share some updates and favorites for the week, but first I’ll touch on the topic of new college grads living at home with family.

Living at Home

I was involved in a brief conversation recently with someone who was a few years out of college and paying rent in an apartment. This situation sounded familiar, as it’s exactly what I did upon graduation.

The guy I was speaking with commented on how he had a friend who didn’t get a job for a year after graduation, but is probably not worse off financially since he was living at home with his parents (the friend, that is). The guy was just smirking and shaking his head.  I asked him if he could ever do that, and he told me that it wouldn’t be possible right now since his parents live on the east coast, but if he could do it over again he’d have to think about it.

To me, the idea of living at home with parents was a foreign concept when I graduated undergrad.  Basically, I was conditioned to think that the “normal” thing to do was to go out on your own once you reached a certain age.  Anything else was “odd”, in my view at the time.

These days, I look at it completely differently. While many people simply do not have the option to do so, many people do have an opportunity to live with parents after graduation.  If I had to do it again, I would have done this for a few years, no doubt.

Sure, it would have inhibited some personal growth. However, I might have made a few other decisions better during that time with the steadying influence at home, and I could have saved a fair amount of money.

Now, I wouldn’t have been charged rent or utilities.  Sure, I would have paid for my own food, insurance, car, etc – but I’d have a roof over my head at no cost, which would allow me to save and get a stronger financial foothold.  That would have been a good idea.

What do you think?  Is the idea of a college grad living at home to save money sensible to you, or negative since money isn’t everything and perhaps independence/growth is?

Squirrelers in Blog Carnivals

Money and Relationships: What Should Matter? was selected as an Editor’s Pick in the Totally Money Blog Carnival at Money in the 20′s

Frugal Trophies was selected as an Editor’s Selection in the Festival of Frugality at Sustainable Personal Finance

First Job Lessons Learned was included in the Carnival of Personal Finance at  Canadian Personal Finance Blog

Memorable Examples of Witnessing Generosity was included in the Yakezie Carnival at My Personal Finance Journey

Favorites from the Personal Finance Blogosphere

101 Centavos shared Thoughts on Silver Part 2

Budgeting in the Fun Stuff shared Net Worth – Do You Include the House?

Consumerism Commentary shared Should Couples Get a Prenup?

Hope to Prosper shared The Four Seasons of Personal Finance, and 4 Important Lessons on Investing  (note: rare to include 2 articles from one blog, but I enjoyed both of these.  Hope to Prosper doesn’t publish often, but when he does, the articles are quite good)

Life and My Finances shared Retirement is a Matter of Income, Not Age

Man vs Debt shared It’s O.K. to Change Your Course

Mighty Bargain Hunter shared Don’t Settle for $1 per Hour. Please!

Money Crush shared Cashing Out a 401k When Leaving a Job?

Retire by 40 shared 4-Plex Short Sale Experience So Far

Jun 262011
 

Hello everyone!  I want to thank each and every one of you for being a part of Squirrelers, whether you’re a regular commenter, lurker, or first time visitor.  This blog is a lot of fun because of all of you, and feel free to jump in and participate and share your thoughts whenever you’re so inclined.

So, as I write this, I’m working outside the home at a place that offers wi-fi.  It’s one of those time where I just had to get out of the house to get a few things done online….some of which included blogging-related activity today, but also included other work I needed to do. I suppose if I decided to cancel cable and do away with home internet, leaving this house might need to be a necessity. But since I haven’t done that yet, this was just one of those days I had to work elsewhere..

Anyway, with respect to things I need to do online, I almost always work on things at home. Today though, I decided to head out to a Starbucks that’s right down the road a mile or two from home. There’s another one the same distance the other direction, but today I headed to the first location with the intent of getting some things done. Lo and behold, I saw that all the tables were occupied. Ok, so this won’t work! No worries, I’ll just drive 5 minutes to other one…or so I thought.

The second location was totally packed as well. What to do? I might as well go home rather than drive around, right?

I almost went back home, when I saw the golden arches and remembered that they were supposed to have free wi-fi now at most locations.  The thought of sitting in a McDonald working on a computer repulsed me a bit at first, but then I thought “Why not?”. After all, Starbucks is pretty much ubiquitous as well anyway, and what’s the worst thing that could happen?

Besides, my decaf coffee would only cost $1 plus tax here, while it would be closer to $2 at a coffee shop.  Saving money is a great thing, especially on discretionary purchases, right?

In retrospect, maybe I should have trusted my instincts - this place is NOT conducive to getting things done!

Now, there is internet access and room to work, so that’s not a problem. It’s just the overall atmosphere, which I should have expected. At a Starbucks or other coffee shop, you might have a mix of people working/reading, as well as others who are chit-chatting.  At this fast food place, it’s a different ballgame. Distractions everywhere, and it’s practically a circus-type atmosphere!

First, there’s the guy sitting in the adjacent booth in front of me. He’s gentleman with glasses salt-and-pepper hair, more gray than not, who’s icing his face. Yes, he’s icing his face. Not sure what’s afflicting him, but he’s got a wad of napkins that he put some ice cubes in, and he’s applying that makeshift icepack to his face. He’s not eating anything or drinking anything, just periodically going back to the soda machine and taking a new batch of ice and napkins.  When he gets back to his booth, he’s just applying the ice pack to his face while staring out the window with a sideways smik.  I’m a “live and let live” person, but this is a little strange. But hey, whatever.

Second, there’s this lady and her friend sitting not far from me, who just came in. She is talking VERY loud, and laughing even louder.  It’s one of those things where anybody would notice right away, where you won’t forget it for a while.  She’s trading stories about her mother-in-law and how she succeeds in her attempts to avoid seeing her.

Third, there’s a family here with kids that are running around chasing one another. Now, I have kids of my own and totally get that kids will get a little rowdy sometimes. It’s just that when they were chasing each other one kids jumped in to the opposite side of my booth and other kid jumped in to “tag” him and very nearly knocked into my computer. No harm, no foul I guess, but these parents aren’t controlling their kids and this isn’t exactly something that you’ll see at a coffee shop!

So, I learned my lesson here: if you want to leave home to get work done for whatever reason, go to a Starbucks or other similar type of coffee shop. Or, go to your local library, assuming it has wi-fi as well.  Just don’t do what I did and actually go to a McDonald’s to get any work done. Not sure what I was thinking, but I’ve got to laugh at myself for this.

I definitely got what I paid for in this case.

Anyway, that brings me to my questions:

  • Do you ever get any work done (online, studying, etc) at coffee shops, libraries, or other places outside the home?
  • If so, why have you done so, and did you find it helped or hurt your productivity?

 

Jun 062011
 

Have you ever made a resolution – new year’s or otherwise – that you kept for a long period of time? Even better, one that you thought could be a permanent change?

For me, there has been one this year and it’s been health related: giving up caffeine.

I set out at the beginning of the year to give up caffeine, and eliminate any caffeinated drinks from my diet. These drinks were primarily diet sodas, but sometimes coffee or tea.  I just didn’t feel right, and thought that cutting out caffeine could help out.

What happened? Well, I stopped drinking caffeine entirely this year. Stopped cold turkey, in fact. No sodas, and only decaf coffee on occasion (with tiny amounts of caffeine technically, but essentially caffeine free).

The health benefits were noticeable. I just felt better overall, as there were less ups and downs in energy levels throughout the day. Given my caffeine consumption before, this change was noticeable. Plus, I slept better through the night without any caffeine in my bloodstream. In short, my giving up caffeine had been a real success.

Just today, I broke the streak. After just over 5 months without any caffeine, I broke down and had a large, 32oz diet soda today.

Here’s my rationalization of the breaking point: I have had a couple of nights of poor sleep due to allergies/sinus issues that flared up, and I am exhausted. Plus, I was solo taking care of one of my kiddos earlier. I needed to be alert and plus I was in the car really thirsty on a hot day. Being tired, I just didn’t have the willpower – so I caved and decided to swing by a drive-thru and pick up a Diet Coke.

Certainly, this is no big deal in the big picutre. I mean, plenty of  poeple guzzle tons of coffee or sodas daily as a part of their normal lives….I was one of those people, and it’s unfortunately quite not uncommon I think! However, I did set a goal for myself and after 100% success for this year I just now caved.  This streak is over, and that’s what’s on my mind here….as I’m now a bit wired and feeling much more alert than earlier :)

Anyway, it got me thinking that sometimes we make missteps in our lives, whether small health/diet ones like this, or bigger ones. This can include the realm of personal finance, where people may blow their budget for a month, splurge on something, or carry a credit card balance after committing to not do so. Whatever the case, we’re human and don’t always follow our plans exactly to the letter.

However, many such mistakes are correctable. We can work to recongnize the mistake, diagnose what caused the slip up, and determine what we can do to move past it. And then, just move forward and learn from the experience.  Whether it’s a small thing like this or a bigger issue, sometimes you just learn from a slip up and move ahead.

My Question for You:

When have you ever “fallen off the wagon”, so to speak, only to get back on track with a goal or behavior you’ve set out to make habit? Any example can be shared.

Squirrelers in Blog Carnivals

Car Longevity: How Far Will You Go to Save Money was included in the Totally Money Blog Carnival at The Family CEO

Cheapskates Visit Vegas was included in the Festival of Frugality at My Personal Finance Journey

Are Stocks Ready to Take a Summer Vacation was included as an Editor’s Pick in the Carnival of Personal Finance at My Personal Finance Journey

Myths About Retirement was included in the Yakezie Carnival at Bucksome Boomer 

 The Recency Bias and Investing was included in the Carnival of Personal Finance at Miss Thrifty

Personal Finance Geekdom: The Economics of Picking Up Pennies was included in the Festival of Frugality at Bible Money Matters

 

Favorite Posts from the Personal Finance Blogosphere

101 Centavos shared Long Supply Chains and Business Ideas

Barbara Friedberg shared 3 Tips to Get Richer and Thinner

Budgeting In The Fun Stuff shared Freecycle – My Personal Experiences

Everyday Tips and Thoughts shared  Why I Hate Clothes Shopping

Financial Samurai shared The Average 401k Balance and Why It’s Too Low

Money Cone shared 10 Questions to Ask Your Bank Before Opening an Account

Money Talks Coaching shared I Quit Caffeine

Minting Nickels shared A New Tune For June

No Debt MBA shared The Graduate Student Lifestyle

PFFirewall shared How to Have a Perfect Vacation

Wealth Informatics shared Make your home safer with these cheap/free tips