Tips for Saving on National Savings Day

National Savings Day was set up by Capitol One.  A great way to market their business, right?  Despite the marketing aspect, it is a great way to encourage people to gain confidence about their relationship with money.  Believe me I get it!  Savings accounts have come and gone in my life and at the ripe old age of 60, I think I am finally feeling better about my relationship with money.

Most of us are great at collecting sentimental items – pictures, scrapbooks, or jewelry passed down through generations of family.  Why?  Because they mean something to us and they evoke emotion. These collections are the thing which helps me on the days when brain fog and MS lesions cause me to forget.  To same it is just “stuff” while for others it has a different meaning.

Why is it then so hard for us to transfer this concept to a portion of our paycheck every month?  Why is it so hard to pay ourselves FIRST in preparation for a rainy day or retirement?  What if you were to consider a savings account like your junk drawer or the sock basket?  Would it make it any easier?

Growing up my mom had a bottle she kept half dollars in.  When she was at work, if someone paid with a half dollar, at the end of the shift/day, she would swap bills for those coins.  She took the coins home and dropped them in the bottle.  Her savings account when she started working.

Life and my addictions got in the way of my saving money.  From drugs to credit card debt, I always had an excuse NOT to save.  I needed money for bills or groceries or whatever.  I know I am not alone, right?  Does the thought of paying yourself first and NOT touching the money seem crazy?

Here are a few tips which might help you get started on the savings road:

1. Organize your grocery shopping

Being organized when you go grocery shopping can help you save money. Have a list of what you need to buy, and coupons (I’m still working on this one).  Shop early in the week to avoid the stress of over crowded stores.

2. Eliminate one service each year you can do without

YIKES  Scary, right?  We cut our cable bill by almost half.  We went from what seemed like 1000 channels to about 300 although the cable company said there are only 143.  We use our cell phones all of the time.  We have a landline for doctors to leave messages.  So I cut the cost to less than $30 per month.

3. Don’t buy “off the shelf”

There are so many ways to buy things – Facebook, Craigslist are on top.  Then there are thrift shops, yard sales, and church rummage sales.  Surf the web for the lowest price, or upcoming sales.  You may not want to do this for small purchases but maybe say $50 and above.

4. Participate in – and use – your rewards programs

Admit it!  You have tons of reward cards, right?  How many of them do you actually use?  Sign up for them where ever possible, and keep tabs of your points. I love Ebates because the notification pops up about a rebate when I am shopping online at a store which offers it.

5. Sell what you no longer need

Instead of throwing away items you no longer use, try selling them first to make some additional money. Then put the money towards a bill.  We are not allowed to have yard sales at our condo complex so I have tried Facebook and Ebay.  Those require a little bit more time and organization.  When items don’t sell, donate them to a local non-profit and be sure to get a receipt for tax purposes.

6. Buy clothing in thrift or discount stores

I have been a fan of thrift stores for years, since before Belinda was born.  Thrift stores don’t have a huge selection, but you can often come across the perfect item from time to time, sometimes barely used. This is great  for kid’s clothing since they outgrow them so fast.  If thrift stores aren’t your thing, then take a look at discount stores like T.J. Maxx or Marshall’s.

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Thirty One’s Soft Utility Tote is perfect for these kinds of trips.  It can be a large purse and then expands to carry all of your treasures home.

7. Buy when everyone else is selling

Retail sales usually fall off in January, so nearly everything goes on sale. Wouldn’t it be better to do the bulk of your buying in January rather than November and December.  Buy your winter clothing in late winter or early spring, when winter items go on clearance.

What are some of your best tips to save money?

Have a ThirtyOne-derful day!

On My Way…..NOT!

Today’s blog post has been re-written many times.  First filled with the excitement of earning the Leadership Incentive trip and heading on a FREE cruise with my daughter.  Then it was about the delayed cruise and spending some time in NC with Belinda.  This morning, I am re-writing again…
The Leadership Incentive Trip has officially been cancelled. Irma entered our lives and changed everything!  No, I don’t mean the cute clothes from LuLa Roe.  I mean the devastating hurricane which is leaving its mark every where it lands.  Devastating the Carribean as it makes it way to Florida and the US.  
I will admit, I had a pity party last night.  I long for some quality time with my daughter but sadly if Irma continues on the projected track, they will be in its path.  I have weathered many a hurricane but at the ripe old age of 60, I decided staying home was probably a better idea.  
Since the blog posts are already written for the next week while I was supposed to be traveling, I will still be sharing some of my top bog posts from the past.  Some may be tweaked but others will just be “throwbacks” of my most popular ones.  I have been reflecting on the earning period for the Leadership Incentive trip and why I was successful this time when I hadn’t been in the past.
If you are trying to change an aspect of your life, here are some tips which helped me – thank you Patty Lennon

1. Decide to succeed.

There is a goal you are striving for right now which is deeply personal and vital to you. Remove the possibility of NOT succeeding from your mind right now. This means each time you fall down, you get back up because any failure is temporary.  I will say, utilizing this mindset every month has helped me reach my monthly goals even during the dreaded “J” months.

I wanted to earn this trip as a gift for hubby for our 5th wedding anniversary.  I wanted him to experience my “pink bubble” so he would understand why it is so important to me.  So, in my mind success became inevitable. I was no longer willing to NOT succeed. Which leads to …

2. Get Support.

When you are reaching for a goal you have not achieved before whether it’s growing your business to a new level, changing your health or improving your relationships you will do far better if you have help.  Who can support you in achieving your goal?

I have been sharing my monthly goals with everyone – my team, my customers and basically anyone who would listen. They celebrated and encouraged me every step of the way.  When Negative Nellie stopped for a visit, I looked for someone to help me kick her to the curb.

3. Don’t Give Up.

Whatever goal is most important to you right now it is critical you not give up, especially if the goal is related to your business. The truth is most things fail the first time  around especially in business – whether it’s a new message, promotion or marketing campaign. It is NORMAL.  Everyone falls down. Your choice (and the choice which defines those who succeed) is whether you get back up.  Everything is possible when you make the decision to succeed. No matter what happens do not give up!

With my first LIT earned, what is next for me and my business?  I will admit planning for September has been a struggle.  A holiday weekend led into getting ready for a week away.  I was hoping earning the trip would keep me motivated but the truth is, Vacation Veronica is knocked on my door. As I ponder what to do this week, I am setting my goal for September and am working on a plan to earn the Leadership Incentive Trip again next year.

Using these tips has helped me in my business so I am I am going to apply them to my weight loss journey to see what happens.  I am just 7 pounds away from being back at goal weight so it is non-negotiable.  I want to celebrate reaching my goal and not look back.

The truth is “the Divine will light your path with miracles to make it easier as you go.”  Send your positive energy into the Universe.  What is your goal?

Have a ThirtyOne-derful day!

Know Your Numbers

Thank you Carrie Wilkerson for the inspiration for today’s blog.  I have been battling weight for as long as I can remember… my first diet was about the 8th grade with the hard boiled egg and grapefruit diet.  Most recently I have lost over 100+ pounds with the help of Weight Watchers.  But knowing my numbers on the scale are not the only numbers I need to know…..

See before you can make a change in your life – You MUST know your numbers!  The scale is an easy measure during a weight loss journey but there are other numbers which are important….

What about your debt? Or when your business is stuck? Or even when relationships are stale?  Do you know YOUR numbers for these things as well?

The numbers are facts and data you can’t ignore if you are going to focus on your dreams and make changes in your life.  Things never change or we slip deeper into debt or gain more weight or even loose business because we make the choice to ignore the numbers. Are you like the ostrich who sticks his head in the sand thinking things will “work themselves out” or have you given up altogether thinking “That’s just how things are.”

***If you’re in debt…….Know TO THE PENNY what you owe and the interest rate. (It’s probably more than you think).

***If you’re broke….Know TO THE PENNY what your monthly bills are, where your spend too much, what your income is or ISN’T and write it down.  It will be the SMACK in the head you need to make a change.

***If you’re overweight or over-fatigued or out of time, spiritually distant or in stale relationships….do the discovery, find the data and make it real.

When you stop ignoring the truth and know your numbers – you can make a change!

Now, I’m not talking about a major overhaul in ever aspect of your life.  Start with a few  little tweaks and changes to move from the scary numbers to a better place.  You will be surprised at the changes which will occur when you are in the HABIT of KNOWING your NUMBERS…you can be encouraged and celebrate the successes as they start adding up for you!!

Accepting my highest weight (295 pounds) was a reality check for me.  It was the moment when I knew I wanted something different.  Thus began the LONG journey of heathy eating and portion control.  Did it happen over night? NO!  Is it an ongoing battle to stay focused on the number on the scale? YES!  The difference is now I believe in myself and am able to make the small changes.

I will admit owning my debt is a little tougher… the old inner gremlins (or my personal ostrich in the sand) says “don’t worry, be happy”.  I KNOW my numbers for my debt, my income and the crazy interest rates on my debt.  I am making small changes but just like my weight loss journey, it is a work in progress.

I believe in you even if you don’t believe in yourself…. What numbers do YOU need to figure out to make a change in your life?

Have a ThirtyOne-derful day!

 

 

Commitment Creates Miracles

Thank you Patty Lennon for the inspiration and tips for today’s post.

Every month I set goals both personally and in my business.  Sometimes they are achieved while other times they seem too far to even consider.  As many of you know earning Thirty One’s Leadership Incentive trip was a goal which had eluded me for years and this year, I was committed to earning it and guess what I did.  What was the difference this year?  This year seemed so much easier than the past.  The requirements weren’t any easier, in fact, some would say they were tougher.

Then I received an email from Patty which shed some light on to what it was which made the difference. So, if you are looking to change any aspect of your life this process has worked pretty consistently for Patty (and now for me).

1. Decide to succeed.

There is a goal you are striving for right now which is deeply personal and vital to you. Remove the possibility of NOT succeeding from your mind right now. This means each time you fall down, you get back up because any failure is temporary.

I wanted to earn this trip as a gift for hubby for our 5th wedding anniversary.  I wanted him to experience my “pink bubble” so he would understand why it is so important to me.  So, in my mind success became inevitable. I was no longer willing to NOT succeed. Which leads to …

2. Get Support.

When you are reaching for a goal you have not achieved before whether it’s growing your business to a new level, changing your health or improving your relationships you will do far better if you have help.  Who can support you in achieving your goal?

I shared my goal with my team, my customers and basically anyone who would listen.  They celebrated and encouraged me with each “star” earned.  My accountability partner pushed me to keep going even when Negative Nellie stopped for a visit.

3. Don’t Give Up.

Whatever goal is most important to you right now it is critical you not give up, especially if the goal is related to your business. In my business most things fail the first time – whether it’s a new message, promotion or marketing campaign. It is NORMAL.  Everyone falls down. Your choice (and the choice which defines those who succeed) is whether you get back up.  Everything is possible when you make the decision to succeed. No matter what happens do not give up!

So now LIT is earned, what is next for me and my business?  I will admit the last two weeks have been a struggle to get back on track.  I actually thought the roller coaster ride of earning the trip would keep me motivated but the truth is, it isn’t.  So I am working on a new goal.  Of course Thirty One has helped by adding another incentive – Wishes Come True…. 

I am going follow this same process again in my business.  PLUS, I am going to apply it to my weight loss journey to see what happens.  I am just 18 pounds away from being back at goal weight so it is non-negotiable.  I want to celebrate reaching my goal and not look back.

The truth is “the Divine will light your path with miracles to make it easier as you go.”  Send your positive energy into the Universe.  What is your goal?

Have a ThirtyOne-derful day!

 

Summer Kick Off Party

A new month and LOTS of newness in Thirty One.  I am so blessed to be part of a company which helps us reach new heights every month and this month is NO exception.

I am so excited to see not only Flip Flops come back but also some of our favorite retired products with a fresh new look….

As a result of my AMAZING customers, I again have the opportunity to present “Promising Picks” which is how products are tested to be featured in future catalogs.  The only way to order Promising Picks is through a party….. Hmm?  Maybe it is time for a 31 minute Facebook Party or a catalog party or a trunk party or a home party?

My new Facebook parties have me LIVE with you and your friends for 31 minutes highlighting YOUR top 10 favorite products. A personal shopper coming right into your home. I will go live at the designated time for some fun and games then we close your party within 48 hours of the LIVE event.  Easy peasy, right? No fuss. No mess.

The best part is all of the NEW items in April at Thirty One

#1 – April Customer Special……  It is the perfect time to order for Mother and Father’s Day, graduation, weddings, birthdays  or maybe just a chance to get your home organized.

   

#2 – NEW Personalization Options: 

#3 –  The starfish icon is so cute on our pillows and make a great gift.  Do you love the Midway Hobo purse but wished it could be personalized?  Now it can…. you can make it your own!

 

 

 

 

 

#4 – April’s Hostess Special may cinch the deal for you…. This set can be yours for $30 with a $600 party.  It includes a Zip Top Organizing Tote, a Fold n File and a Rubie Mini.  Believe me it is not hard to get to $600 in sales…. an average Facebook party is $500 and believe me YOU are not average.  Look at what you can get at each party level…..

#5 – Can you thing better than being a hostess in April? Maybe it is starting your own business with one of our Spring Enrollment kits.  Join our Thirty One family with our Summer Essential Enrollment Kit for just $50!  You get to pick which set AND you get to pick your own personalization.  Just getting your tax refund back?  What better way to make your money work for you then starting your own business…

Not only do you get paid to party BUT you will also have the chance to get up to 4 of these amazing kits for FREE each month for the first four months.

So, who is ready to join in the fun?

Have a ThirtyOne-derful day!