Your Playbook For Tough Times

Welcome, NerdWallet readers! (Here’s a coupon.)

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Thanks for finding your way to my site from Amrita Jayakumar’s article, “These young adults are debt-free – true story.” I’m not exactly young, but I was broke when I was very young and again when I was middle-aged, so I was thrilled to chat with her for the piece.

My goal was to share some of the tactics I used as a teen-ager running a household of three on a very thin margin, and later as a woman furiously treading financial water during a protracted divorce. You could say I took what I learned at age 16 and embroidered on it.

If you’re new to the site, here’s what I learned about being broke: You can make a good life on the money you currently have, without losing your dignity or your hopes for a better future.

And if you’re new to the site, let me tell you about the two books I wrote on that very topic. (Also about a way to get a free PDF of the “stealth savings” chapter from the first book.)

 

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Wise Bread Tweetchat = $100 in Amazon cards.

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The smart-money website is also giving away two Kindle copies of “Your Playbook For Tough Times, Vol. 2: Needs And Wants Edition.” That’s because I’m the guest of honor, so to speak, at this week’s Tweetchat.

The theme: “Building The Life You Want With The Money You Have.” From the Wise Bread website:

Learn about what a frugalist is, having a winning attitude during financial turns, ways to cut costs on food, and more. Tell us if you have a “freedom fund” and let us know one thing you could do today to start living a more frugalist lifestyle.

Sound like anyone you know?

Come share your own wisdom, whether it’s instinctive or hard-won, and you may be rewarded: Wise Bread is giving away four prizes.

 

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This, that and summer.

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Sorry to have maintained radio silence for so long. Not only have I been promoting “Your Playbook For Tough Times, Vol. 2: Needs And Wants Edition” and taking care of gigs for other sites, I’ve been slowed down by summer, in two ways:

Playing in the dirt, i.e., piddling around in the garden*. Although DF does the lion’s share of the work, I’ve still be spending less time at the computer and more time harassing chickweed.

Losing track of time due to the long, long summer** days.

About that last: On Thursday night I decided to try and finish “The Girl Who Played With Fire,” the second in the late Stieg Larsson’s Lisbeth Salander series (officially known as the Millennium Series, but I like the character so much it will always be the Lisbeth Salander series). It’s such a great read that I hated to quit, but my eyes grew heavy.

No wonder: It was 2:30 a.m.

 

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‘Your Playbook For Tough Times, Vol. 2’ is here!

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Self-publishing is something like childbirth: Toward the end of the process you’re swearing you will never, EVER do this again. You’re also looking for someone to punch in the mouth for not being supportive enough* (anyone who’s ever been in the transition phase of labor will likely back me up on that).

I felt that way toward the finishing-up portion of “Your Playbook For Tough Times: Living Large On Small Change, For The Short Term Or The Long Haul.” When I wasn’t gnashing my teeth and rending my garments I was thinking Lord please get me through it…I swear I’ll be a good girl and stay away from JPEGs after this.

Just as with childbirth, I forgot the pain almost immediately and decided to do it again. This time around the damn thing was practically breech, a self-publishing project that came out feet-first and sideways. For the past 10 days or so I’ve been whirling and howling with regard to final edits, formatting and cover design. On Tuesday night I was absolutely unhinged with cumulative rage and frustration as another formatting snafu erupted.

But you know what? I’m sort of forgetting how that felt, now that “Your Playbook For Tough Times, Vol. 2: Needs And Wants Edition” has made it into the world.

 

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Baby Groot, a tweetchat and my book.

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My friend Linda B. and I went to see “Guardians of the Galaxy 2” on its opening day, and we were not disappointed.

A trash-talking and genetically modified raccoon, a musclebound alien with no social filters, a female assassin with green skin, the assassin’s mostly robotic sister, a (sorta) reformed space pirate and a super-adorable sapling version of the treelike giant alien Groot – what’s not to like?

Given my propensity for finding personal finance lessons everywhere, I went in with pen and paper. Although it was a pretty dark movie (outer space!) I could mostly read what I’d scribbled, and I skipped lunch with Linda in order to go home and write.

 

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Want to join my mailing list?

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As noted previously, I’m close to finishing the sequel to Your Playbook For Tough Times. The working title is Your Playbook For Tough Times, Vol. 2: Needs AND Wants Edition. But the title may be augmented slightly, since long subtitles are a thing among personal finance publishers.

Last night I finished proofing a printout of the manuscript, finding more than a few issues throughout. As I noted in “Try editing on paper,” the mistakes just seem more obvious on flattened wood pulp than they do on a shiny screen.

Very glad I read it this way. Now DF has agreed to do a read-through; here’s hoping he doesn’t find many more gaffes, lest I start doubting my ability to write a useful sentence. After that, I can send it to the formatter and then on to the cover-design guy.

One of the (many) things still to do is continue building a mailing list for the book’s launch. Since my blog readers have been supportive the first time around, I’d like to invite anyone who’s interested to join the list.

What’s in it for you? A discount, and a promise.

 

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Fresh air and airports.

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On Saturday I hung out the first laundry of the year. We’ve been putting the bedclothes out  air all winter long in order to sleep in fresh air, but this was the first time in months that it’s been possible to dry stuff on the line. (It helped that I’d first tumbled those clothes in the dryer for a few minutes.)

Not that it was super-balmy, mind you. This was mid-30s weather, but a nice breeze blew and the sun was strong and constant. By midday the temperature in the greenhouse was in the 70s. Maybe I should have dried the clothes in there.

The next day DF put the comforter, blanket and top sheet out to gain the benefit of the sun and wind. He had to hang the linens lengthwise to keep them from dragging in the snow. Despite steady daytime melt, the drifts are still high near the clothesline because of DF’s use of the snowblower.

Two days after my second cataract surgery we got another dumping of snow, the first in several weeks. About nine inches fell at our place, plumping up what already lay on the ground. I don’t know how much has fallen this year and I don’t know how much of it was still there after sublimation and melt. But the back yard still looks fairly snowbound.

 

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Second eye fixed; second book almost done.

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The cataract surgery on my right eye took place last week and went as smoothly as the first one. Well, all except for the healing: This one is bloodshot and a bit sore seven days after the procedure.

It’s not infected, though. I know this because I went for a check-up today and was told I could stop using the antibiotic eye drops, although I do need to keep squirting in the steroidal ones.

Once the eye is completely healed I’ll be able to get an updated prescription for glasses. Until then, I’ve been enjoying the odd sensation of walking around the house sans specs without bumping into anything. Or to sit at a computer and write, as long as I increase the type size.

Speaking of writing…

 

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Hear me out – and maybe win a book.

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thThis week you have a chance to win one of three copies of my book, and the opportunity for a free preview.

First, the giveaway: The lovely and talented J. Money, of Budgets Are Sexy and Rockstar Finance fame, is giving away three copies of “Your Playbook For Tough Times: Living Large On Small Change, For The Short Term Or The Long Haul.”

He’s doing this in three different places:

 

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Credit card debt got you down? You’re not alone

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thAlmost seven in 10 people surveyed by the National Foundation for Credit Counseling say their biggest financial worry is credit card debt.

Of the 1,869 respondents, 69 percent cited plastic arrears as being much, much scarier than having enough for retirement and emergencies (13 percent), paying off student loans (10 percent) or finding affordable housing (7 percent).

About 19 people checked answer E: “Nothing, I have no financial worries.” Lucky them.

It’s likely that most of the people reading the nonprofit agency’s website are already having money issues. But it wouldn’t surprise me if a decent number of the general population were also worried about credit card debt. And if they aren’t, maybe they should be.

 

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