modern life

Living the ‘pre-solvent’ life.

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(Happy Throwback Thursday, everyone! This article originally ran on July 3, 2015. Its sentiments are as valid to me today as they were back then.)

Here’s today’s neologism, and it’s a great one: “pre-solvent.” It comes from a comment on a Money Talks News article called “The real reason Americans struggle to save.”

The article cited a couple of surveys that put the fault not in our stars, but in our cards: “Lifestyle spending” and “lack of financial discipline” kept anywhere from 44 to 71 percent of respondents living paycheck to paycheck and/or prevented them from achieving financial goals.

I’d like to point out that underemployment, lack of education and impossible-to-pay medical bills can also hinder the ability to save. But I agree that the “buy now, figure out how to pay for it later” attitude is definitely nudging some folks toward insolvency.

Which brings us to pre-solvency. A commenter named “Y2K Jillian” writes that she and her husband lived paycheck to paycheck for years and loathed the lifestyle. But change happened.

How? “Gradually, gradually.” Which is how I’d bet it happens for a lot of people.

 

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Autism: 9 things I learned. Plus: A great giveaway.

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Last September, the Dollar Dig cash-back site sponsored a giveaway of $150 worth of Amazon gift cards. This was a real win-win, since I like giving things away and you guys like the chance to get them. (The giveaway garnered more than 140 responses.)

Now site owner Rich Chrobak has asked my daughter and me to do posts to call attention to Autism Awareness Month. Since a giveaway does tend to get more eyeballs on a site, Chrobak is sponsoring giveaways in both places.

Here you have a shot at winning an Amazon Echo Dot. On Abby’s site, you’ll be in the running for a SamsungVR headset.

But that’s not the only way Dollar Dig is involved with Autism Awareness Month. Chrobak is putting his money where his heart is: All net profits for the month of April will go to POAC Autism Services, a New Jersey nonprofit that offers support, education, training and activities for families experiencing autism.

And if you like, you can be part of this effort.

 

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Lola: A money conference for women.

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Women are earning more and taking more responsibility for managing money, but a majority of us aren’t confident about our choices.

According to the Allianz Women, Money and Power Study, six in 10 (61 percent) women wish they had more confidence in their financial choices. Almost two-thirds (63 percent) wish they knew more about investing and financial planning.

Personal finance blogger Melanie Lockert wants to help. Or, rather, she wants to encourage women to help themselves. The upcoming Lola Retreat will be a place where women can talk openly about money: how to earn it, save it, invest it and enjoy it.

 

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Gifts for pets on Valentine’s Day?

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I’m not going to be with my sweetheart today, except in spirit (and by phone). That’s because I came back to Phoenix to lend a hand after my son-in-law broke one foot and badly sprained the other.

Since I won’t have a holiday of my own, I’m focusing on other people’s Feb. 14 follies. For example, did you know that some people buy Valentine’s Day gifts for their pets?

Not making that up. Couldn’t make that up.

 

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Dying is easy. Cursive is hard.

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Yesterday I hand-wrote two thank-you notes. In doing so I was reminded that while decent penmanship is important, it’s also hard.

Very hard. Since I was 21 years old I’ve been making a living through typing; for about 20 of those years, as a newspaper reporter, I mixed keyboarding with furious note-taking.

The cumulative effect manifests as numbness, tingling and hands that tire/hurt quickly when holding a pen.

Then there’s the fact that I’m in my sixth decade of life. No machine runs for 59 years without some maintenance issues.

So why not just type those notes? Because they were being sent to people whose opinions matter to me, and I wanted to express my thanks the way Miss Manners would. Of course, she has a staff for that sort of thing.

 

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Old One-Eye is back.

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The cataract surgery is done and my left eye has recently been freed from the tape that bound it closed. Although the vision is a bit blurry and slant-y (both conditions to be expected, according to the literature), I have every reason to be hopeful.

Experiencing a little bit of discomfort, so I took a Kirkland ibuprofen and we’ll see how it goes. Overall, the experience was much easier than I’d feared.

No doubt that’s due to the kindness of the staff and the skill of the doctor. However, I think that a nice glug of orally administered Versed might also have had something to do with that.

It left me not just relaxed but also somewhat loopy, to the point when the nice woman took a long, curved needle and started slowly injecting anesthetic into my eyeball my reaction was, “Sure, fine, whatever.”

 

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Warmth and plenty.

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thOh, the breakfast we just had. Perfectly cooked bacon, done in the oven. Sliced tomatoes. The last of the homemade rolls from the freezer, toasted and served with a choice of three homemade (not by us) jams. Tea and coffee aplenty

Scrambled eggs for me and for DF, eggs done “the way Jesus had his.” (See Matthew 11:30 for the punny explanation.) A dish of yogurt with rhubarb compote, both – you guessed it – homemade. The only reason we didn’t add in some of those Del Monte red grapefruit sections was that we forgot they were in the fridge.

The fireplace insert was churning out BTUs, its flames resurrected from the previous evening’s fire that had entertained us and also dried two racks of laundry. While I slept in DF had folded that laundry and put away the racks.

This lazy Saturday morning was seasoned perfectly by gusts of snow blown against the kitchen windows. Not new snow, but slabs of old snow and hand-sized chunks of frost blown off the roof and the neighbor’s giant larch tree. My breakfast sat more snugly and smugly each time snow scoured the panes: It’s out there and I’m in here, enjoying warmth and a leisurely breakfast.

All of which reminded me of a line from Pearl S. Buck’s “The Good Earth.”

 


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When it’s hard to throw things away.

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th-2More than nine years ago my editor gave me a black fleece jacket with the MSN Money logo. The garment has seen some seriously hard use over the years, to the point where it’s no longer midnight-black but rather more of a pre-dawn slate.

A bit worn but still warm, the jacket has reached the end of the line because its zipper is kaput. Yet I’m having a tough time throwing it away, even though it’s no longer wearable and even though I no longer need it. My black fleece Mr. Rebates pullover keeps me plenty warm, thanks; it’s softer and cozier, too.

The other day I tried to throw the MSN jacket in the trash but couldn’t unclench my fingers. Two reasons why:

 

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Credit score myths that will. not. die.

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th-1More than half of U.S. consumers (mistakenly) believe that carrying credit card balances will help improve their credit scores.

It won’t. It won’t. It won’t!

Yet according to the 2016 Capital One Credit Confidence Study, 52 percent of us still think it will. The study also mentioned a new (to me) credit score myth, one that’s believed by about the same number of people.

 

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