Thursday, March 11, 2010

Musings in My Shower

"The body has its own way of knowing, a knowing that has little to do with logic, and much to do with truth, little to do with control, and much to do with acceptance, little to do with division and analysis, and much to do with union."
-- Marilyn Sewell

So, I’ve been sick since last week with a cold that is really hanging on. Despite that I’ve only missed one day of work and have kept up with most of life.

In my quasi blurred state I’m having trouble tracking my thoughts so this may not be my most poignant post. But the act of posting is very important to my well being. I find that expressing myself through this blog is helping me to heal and become a better person.

After writing about “staying true to one’s beliefs” in my last post I began thinking about bath scrubbies. *yes you heard me right*

My little scrubbie is made of plastic and I really haven’t thought about it before. But really, I should be using something that I can wash easily…that is gentle on the skin…yet abrasive enough to do the job that scrubbies are faced with.

So my next big task is to make a scrubbie that is eco-friendly and kind to the skin as well. Something that can be thrown in and washed with the towels and at the same time will help my soap become good and lathery.

Life is made up of little things that make a difference on such a small scale that by themselves they might seem to barely matter. But if you piece together all these little things they form a greater cohesive whole.

Saving money is like that…one dollar might not be much but keep putting away a dollar here and there and it grows to a much larger sum.

I had trouble saving in the beginning because I felt guilty that I was paying myself first…yet, that is what all the money gurus tell you to do. Also, I thought it would be better to pay off my credit card rather then save money but I was wrong there too.

I was lucky enough to have a money guide that taught me that doing anything with money is like dieting…it takes time, commitment and diligence. My guide told me that you should always pay more to the card then the minimum payment calls for…even if you can only do it by a few dollars.

This gets you in the habit of adding in a little more and as the money frees up those extra dollars add up. The habit is just as important as the money itself.

At the same time he told me, you should put away a little. I could only do $25 a month at first. So I opened an ING account because the money was out of sight and out of mind. But again the amount was not what was truly important…the habit of saving was.

When I started this financial serenity plan four years ago I wasn’t sure I could stick to the budget I had created which also included day care, charities, a UTMA and 529 for my son and all the little behind the scenes things I pay for each month.

A budget is much harder then a diet. In a diet you can say, “No, I won’t eat that,” and go on with your day. You can’t say to your budget, “Sorry, I’m not fixing the car this month…or no, I won’t take my child to the doctor.”

That is what I found out the savings is for. So when life hands you lemons you can say, “Well, I’m glad I had an emergency fund for that.”

That moment of clarity when you realize your financial serenity isn’t some far day in the future…instead it is now…this moment. And for me that was a beautiful feeling.

Was there a point to this ramble of disjointed thoughts that I had while using my plastic scrubbie in the shower?

Actually…yes.

All things truly worth having take time and effort. You can’t put into effect big changes in a day…but you can make little continual changes that in the long run enrich your life.

*germ free hugs and bright blessings*

:)

Notes:
First of all, I only wish that was my shower.
Second, I know that everything I have is a blessing.
Third, I'm not suggesting my financial guidelines should be followed by anyone but me...I'm just writing my process to financial serenity. It has been a long hard road for me...but I think I can see a light at the end of the tunnel. But that may just be an oncoming dragon. ;)
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