The Little Things Make a Big Difference

I can honestly say this has be one of the worst work weeks I've had in a long time. The sad thing is that I don't clearly see the light at the end of the tunnel, all I see is a small light at the end which is really just a train barely towards me...

Despite the rotten week I did have one bright moment and that way this evening.

A month or so ago when I was at target I received a store coupon attached to my receipt for $2.00 off any two Garnier Fructis Hair Care Products. It just so happens that I typically use Garnier's sleek and shine shampoo and conditioner so I stuck it inside my wallet to save for when I needed to buy the next time I ran out of shampoo and conditioner.

Today on my way home from work I stopped at Target to pick up some toilet paper because Fashinoista and I were our last roll - never a good place to be. While picking up some t.p. I noticed that one of the end caps was displaying Garnier Shampoo and Conditioner on sale for $1.99 (its normally around $3 a bottle). When I see the sale I get all excited, I'm going to get to use my coupon for $2.00 off any two products and essentially get one of my bottles for free - Yay! When I stopped at the end cap to select my type of shampoo and conditioner I discovered that some of the shampoos had instant $1.00 off coupons. Its even more my lucky day for hair care - I take off two of the coupons for instant $1.00 off and grab my shampoo and conditioner and head to the check out line - I'm not quick sure if they'll accept 3 different coupons for my two bottles but it worked!!!! I bought $3.98 worth of products and had 2 each $1.00 coupons and one $2.00 coupon so I actually made money by buying shampoo and conditioner. (Hey two cents is two cents -- plus I now have a stock pile of shampoo and conditioner for when I run out of my current bottles).

I was so happy with myself for the deal I got in fact it was probably the highlight of my week, see coupons pay off.

This time when I checked out attached to my receipt was a $1.00 off any sized Colgate toothpaste. It doesn't expire until June 2 so I'm already mentally trying to figure out where to find additional coupons so that I can get my toothpaste for free too. :)

Ugh!

Ugh...work stinks.

I've had an even crappier day than normal since starting the project from hell so I'm just going to pack it up and go to bed and try and make the day end sooner by sleeping the rest of it away. Sorry there's no real post today, hopefully tomorrow will be a better day and I'll have some insightful personal finance info to share.

In lieu of a post and at the risk of sounding obsessed with my LCD TV purchase...I thought I'd share an article that Fashionista emailed to me yesterday proving that I made a smart decision going ahead and buying the LCD TV now. Isn't she great for looking out for me. :)

Monday's Money Funny - Extra Jobs

One of the regular features on my blog is "Monday's Money Funny" which are humorous (at least to me) articles/jokes/just about anything that I've discovered over the weekend when I catch up on all my on line reading that spark a need for knowledge. For example the previous Monday Money Funny was a "what if" scenario about Americans spending every penny of their tax rebate. (Speaking of tax rebates, mine still has not been direct deposited into my account - has anyone received theirs yet?)

This week I thought I'd share an interesting satirical article which is written from Tiger Wood's perspective. Its an letter to Pine-sol about allowing him to endorse their product, apparently even Tiger is looking for additional sources of income with the rising costs of groceries and gas.

Below are the highlights from the article, click here to read the article in full.

My specially designed Tiger Woods TAG Heuer watch read 11:45 a.m. yesterday when I got back from the practice range. After washing up and shaving with my favorite Tiger Woods Gillette Champions razor and getting in a few rounds of EA Sports' Tiger Woods PGA Tour 08, I picked up the copy of Golf Digest on my coffee table—the one with my ad for TLC Laser Eye Centers. What caught my attention, however, was an advertisement on the adjoining page for your product, Pine-Sol.

Call me crazy, but it looks like you're lacking a big-time celebrity endorser. Yes, you have that sassy fat black woman who appears in commercials and print ads, but she's hardly a celebrity. I'm talking about someone with name recognition. Maybe even someone who's won, say, 64 professional golf tournaments, 13 major championships, and has been named PGA Tour Player of the Year nine times? Your lady may be funny, but is she the most marketable athlete in the world with a supermodel wife, a new baby girl, millions in the bank, multiracial appeal, and a great goddamn smile?

No.

[...]

Bottom line, you need me, and I'm ready to break into the domestic-products arena. Despite my work with Accenture, many people still think of me as cold and calculated. A couple of Pine-Sol ads where my mom shows me how easy it is to clean my bathroom ("Oh Mom, you're embarrassing me!"—you know, that kind of crap) and we're all set.

But if you don't move on this fast, tomorrow I'm all over the TV with my new Tiger Woods–strength Lysol Wipes. Think about it.

Plain and simple, I would do an excellent job endorsing Pine-Sol. You know it, I know it, the makers of the all-new Gatorade Tiger most certainly know it. A high quality, all-purpose cleaner such as Pine-Sol deserves an endorser who is an ultra competitor—someone who will go to the mat for you no matter what. No way I'm going to half-ass it like Roger Federer or David Beckham would.

[...]

In the end, this is all very simple. Basically, what you have to ask yourself, Pine-Sol, is do you want to make half a billion dollars today or not? That's it. And if there's still any doubt in your mind, think about this: If I've convinced an entire populace that I drive a fucking Buick, I can sure as shit sell a bottle of Pine-Sol.

Most Monday's Money Funnies promote me to do some research, this time I didn't need to since I have already found a great source for tips on stretching dollars during this current economy with rising costs. The Atlanta Journal Constitution offers some great tips for this current economy's rising costs called "Smart Solutions, Tough Times." Personally my favorite is how to find cheap gas, but even if you're not in Atlanta there's also great tips about making your car last longer and 10 ways to save on groceries.

Stay tuned for next week's Monday's Money Funny. If you run across any Money Funnies please email them to me at future.millionaire.blog@gmail.com and if I use them I will give you credit and link to your blog.

Weekend Round Up

I've had a lovely weekend. I was a single woman this weekend because Mr. Be Mine has been working out of town this week and unfortunately most of the work needed to take place on the weekend. I took full advantage of a very girly weekend. On Friday several of my girl friends and I went to see Marriage of Figaro, Saturday The Councilor was selling her hand made jewelry and coasters at a craft fair and she wanted help so I put on my old retail hat from my high school days and helped work the booth, then today after Church my mom and I went to the dollar theater and saw 27 dresses.

Wow! Just typing it makes me feel tired - but it was a most enjoyable weekend. And now for what you all really want...this weeks highlights from the PF Bloggers. Also don't forget to check out their links over on the left hand side to read all of their posts.

Highlights from this week include:


Johnathon at Master Your Card has started a new series call Life or Debt. For anyone in debt I highly recommend reading, these emotional aspects of being in debt are enough to prevent me form even considering it. I'm looking forward to the next in the series.

I appreciated Pinching Copper's Seb reposting his Why We Rent, especially since I'm starting to have doubts about continuing to rent. I'm at least renting for the next year since I just signed a lease with a roommate, but after this year I'm going to have to reevaluate.

Kevin at No Debt Plan shared his cash back stats for Amex Blue Cash Back. I too recommend the Amex Blue Cash Back, so far I have $81.72 in cash back, but unfortunately I think I'll catch up with Kevin since I keep having $50+ weekly grocery bills and the sad thing is I'm not buying anything out of the ordinary.

Mom at Wide Open Wallet shared about how she's able to purchase a Wii in part by selling coupons on Ebay. I've never thought of selling coupons, I appreciate the idea - I'm going to have to try that (first I have to find a little extra time in my life!).

Memberships have their perks

I'm going to share a few quick thoughts since I just got home from work and need to rush and change and get ready for the Opera! Yay!

My one thought for the day is that Memberships have their perks and often times more than pay for themselves.

I have 1/2 of a dual Young Patron Membership to the High Museum of Arts in Atlanta, primarily to take advantage of their foreign film festivals and Friday Night Jazz once a month. Its a great deal, essentially just visiting the museum 5 times more than pays for the membership not to mention the film festivals. But on top of that there's other great perks like discounts at the Atlanta Botanical Gardens and for the Atlanta Opera. Tonight I'm able to attend the Atlanta Opera's Marriage of Figaro performance and sit in the Orchestra level seat which normally cost $123 for only $25 a seat. Talk about the membership paying for it self in just one event.

I know not everyone lives in Atlanta or is interested in these types of activities but there are a ton of other similar programs in other cities for various activities - I recommend checking them out if you can.

Quality and Personal Finance

Almost three weeks ago I started a new role with my company, I'm responsible for the Quality Control and Assurance for the construction of a 5 star hotel and condo. I spend most of my day in the field performing inspections and overseeing the work being installed. Anyway this got me to thinking about how much money is being wasted on the project by subcontractors for taking a few extra minutes to install work correctly the first time. I don't think it for lack of caring that they don't take the few extra minutes because most everyone takes pride in their work, but we are almost 5 months over schedule and every hour, heck every second, on the job is precious especially since in the coming months we'll be going to three shifts and working 24 hours a day.

By not taking the extra few minutes upfront to make sure that the work is by the most recently issued blue print and is aligned etc everyone is having to go back and repair work that's already been installed and often times the repair takes longer than the initial install since most of the time the task must be started over from scratch after removing the first attempt. Plus the added time and cost of the subcontractor's management having to look at the problem I notify them of and then filter it back down to the workers.

Taking the extra time to make sure its right the first time applies to personal finance as well. If we took a few extra minutes to first determine what we really need/want so that we can ensure we're not overbuying or under buying either would led to more expenses. (Under buying because you'd have to re-buy to get what you really need.) After determining what is really needed or wanted we should all take a little extra time to research specifications, reliability, etc before larger purchases. Last put not least if we take a few extra minutes to comparison shop, even as little as calculating unit prices in the grocery store we can all save a few extra pennies.

I try and do all of those to save money. After watching all the money being wasted on the project for not doing everything right the first time I'm further motivated to make sure I don't waste money by not taking the time upfront.

Benifits of Renting vs. Owning

Recently I've been thinking about why I'm glad I am currently a renter and not a home owner.

My main reason is money. I'm not going to go through the analysis to try and prove that one can rent the same house for less money than owning the house or anything else along those lines - mainly because I don't think its always true instead I'm going to look at why renting is better for me at this point in my life.

1. Location of renting is better --- I currently live in a fantastic location (and am loving it!). Regardless of the quality of the home from a "handyman special" to a "McMansion" there is not a house or condo with in a 10 block area of my current location that I could buy with a mortgage and HOA's that would be even close to my current rent.
2. By renting I'm more willing to settle for less space, amenities, and upgrades --- Because I'm only committed to living in my apartment for a short period of time I know that I can always upgrade if needed or wanted so I'm much more willing to rent something that works for right now rather than hunting for room to grow. I'm also okay with lesser quality than I'd want in a home.
3. Renting allows for easier roommates situations --- By renting both my roommate and I are held to the same contract with our apartment complex so if either of us were to break the lease the apartment complex gets to be the bad guy. If I were a home owner I'd want to make sure I could afford the mortgage on my own with out needing to rely on a roommate but even if I had a roommate I'd have to forced into the position of landlord.
4. No maintenance costs --- No maintenance costs is what got me thinking about why I'm glad to be a renter. Sunday afternoon our A/C stopped working, I checked it out and it wasn't any of the obvious fixes so Fashionista and I called our apartment's maintenance answering service, about twenty minutes later they called us back and tried to walk us through the basics for repairing (which I'd already done) since none of that worked and A/C problems are considered emergencies by our apartment complex a maintenance repairman arrived about an hour after we called and discovered it was the compressor. It then took him a little over 6 hours for the new compressor to be installed and the pipes welded in place. As Steve, the repair guy, was working on this I couldn't help be think of the expense, compressors usually cost between $1,500 and $3,000 not to mention the overtime/off hours time that having a repairman at your home on a Sunday probably costs. After this repair it made me extra happy to be a renter and the bill be sent to my complex and not to me.

At least for right now I'm very happy that I'm currently renting. I know in the future I will become a home owner and will hopefully be just as happy.

Are you a renter or a home owner? What's benefits do you have?

Monthly Net Worth Update -- May 2008

As discussed a few times on this blog, I’m a very conservative person so I tend to under estimate. In my last net worth update I predicted that I would reach the $100,000 net worth mark in Mid-June...well...it seems that I'm not a very good predictor (which is a good thing). I actually reached the $100,000 mark about a month and a half earlier since this month my net worth is now officially over $100,000! Yeah!

	Updated 4/29/08	Change from Previous Update	Updated 4/3/08
Total Net Worth	$100,076.32	$3,597.77	$96,478.55
Net Worth Comprised of
Retirement Savings:	$27,831.53	$2,345.74	$25,485.79
401k	$22,223.68	$1,812.04	$20,411.64
Roth IRA	$5,607.85	$533.70	$5,074.15
House Down Payment/CD's:	$57,081.13	$168.65	$56,912.48
Future Car Savings	$200.27	$0.00	$200.27
Emergency Fund/Money Market:	$14,945.65	$2,682.51	$12,263.14
"Cash"/Checking:	$17.74	-$1,599.13	$1,616.87

Analyzing the table I thought I’d take a moment to explain a few irregularities.

My future car savings does not reflect any increase this month because my transfer into my emigrant direct savings earmarked for my future car is on the 1^st of each month so last month I updated my net worth on 4/3/08 so it was after the transfer and this month I’ve updated my net worth prior the 1^st of the month and the transfer.

My “cash”/checking looks very light because I have my bi-weekly paycheck deposited into my money market fund to take advantage of high interest rates and then once a month transfer my expenses from that account into my “cash”/checking account.

Monday's Money Funny - Tax Rebates

One of the regular features on my blog is "Monday's Money Funny" which are humorous (at least to me) articles/jokes/just about anything that I've discovered over the weekend when I catch up on all my on line reading that spark a need for knowledge. For example the previous Monday Money Funny was about the Asian Market Down turn.

Excitingly Bush announced this past week that the Tax Rebates would start being distributed a week earlier than expected so I thought it approapirate for this week's Monday Money Funny be about a "what if" scenario about Americans spending every penny of their tax rebate.

Here's the highlights from the article, check out MSN Money for the full article:

But what if every penny of that $100 billion were spent this summer, jolting the economy exactly as lawmakers intend?

Wide-screen televisions would fly off the shelves. Wal-Mart, Best Buy and Walt Disney would think it was Christmas all over again. Tens of thousands of teenagers would get summer jobs. And for a few months, U.S. economic growth would surge to twice the rate expected. And then fall, possibly on its face.

As with all Monday's Money Funnies this article promoted me to research. Personally, I'm going to be bad and "help" the economy and use my tax rebate to fund my new LCD TV but for those of you who are going to be good I thought I'd share below some articles I found about how to put your tax rebate to good use.

MSN Money's The Best Ways to Spend a Tax Rebate

About.com's Smart Ways to Spend Your Tax Rebate

Stay tuned for next week's Monday's Money Funny. If you run across any Money Funnies please email them to me at future.millionaire.blog@gmail.com and if I use them I will give you credit and link to your blog.

Weekend Round-Up

Sunday has rolled around and tomorrow the work week starts back up again, I don't know where the weekend has gone.

Starting the new project has been crazy lately, I've been working all kinds of hours and sadly I don't see it lessening any time soon so I've been having to catch up on all my blog reading on the weekends since I barely have enough time to eat dinner and go to sleep before I have to start the work cycle all over again the next day.

Anway....Below are a few articles that caught my eye this weekend as I caught up:

Living Almost Large writes about having financial priorities and it is okay to splurge some times. I'm in full agreement wit LAL - I often write about financial "savy-ness" is all about smart money choice.

Mom at Wide Open Wallet shared about her friend was contemplating a second job instead of reducing luxury spending in her post I deserve it.

Penelope Pince from Our Fourpence Worth also discussed luxuries versus necessities and has a great break down on how to decide the difference. So often I hear people say they have to have xyz when in reality its a luxury.

All in all my thoughts are if you don't have the money stick to the necessities, if you have your necessities covered, are not in debt (other than a mortgage), have a healthy emergency fund, and are contributing to your retirement than you should be able to make wise money choices and fund some luxuries but keep in mind unless you have an endless money supply you can't have every luxury and so you have to pick and choose to stay within your budget.

No Debt Plan's Kevin answered a reader question regarding opening a Roth IRA and minimum investments. For anyone who hasn't already started a Roth IRA I highly recommend it - check out Kevin's Million Dollar Retirement plan using only a Roth IRA.

Kristy at Master Your Card posted about the additional costs associated with paying your federal taxes by credit card. Can't say I ever thought about paying them with credit card but now that I know the costs involved I most definitly will not be paying via credit card, I'll continue to whip out the good ole check book.

The Social Margin's Cinder helped remind me that you need to Treat Your Job like an Investment. I'm wondering with all of the blog posts and articles about leaving bad jobs are not a sign, but then again my job only got bad recently when I was transfered to the "problem project", but all food for thought. Thanks Cinder for posting about this.

I also enjoyed Seb's post at Pinching Copper about Is the Price of gas really that bad? The secretary at my old project would always complain about the rising cost of gas and how its almost so bad people can't afford to pay the gas to go to work anymore and according to her people are actually paying more gas each day than they make. I can't tell you how many times I tried to explain to her using all kinds of examples of how people make more than pay for gas to drive every day. Oh well some people like to focus in on one thing.

Well that's it for this Sunday. I hope you all had a wonderful weekend.