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Archive for March, 2013

Good Day, Bank Promotions, Etc.

March 9th, 2013 at 02:39 pm

Mailed off the tax return, Certified Mail. The return was completed several weeks ago but we owed a bit so I was in no hurry to actually mail it.

At the same time I mailed off a couple packages for the eBay sales I do to raise funds for a non-profit, through the eBay Giving Works program.

Dragged DH in to the bank to sign off on some documents. While he was away on his most recent business trip I opened up accounts at BBVA Compass due to some very nice promotions. Not only will I be getting a free Kindle Fire HD, we will also be earning some nice cash bonuses after 2 years. I found out about the Kindle promotion at DepositAccounts.com and learned about the cash bonuses after walking in to a branch and talking to a banker.

Got some free (tho not very tasty) coffee while at the bank Smile

I remember the first time I walked in to a bank to ask if they had any promotions going on that they weren't advertising. I was so nervous & a bit embarrassed! Now I do it any time I'm jonesing for a higher interest rate or bonus. Most of the time there is nothing, but occasionally I hit pay dirt. Brand new branches are a good place to go if you want to try this, because they usually eager to get new customers through the doors.

Went to the library and checked out some DVDs and an audiobook.

Now it's time for a walk because there is a break in the much-needed rain. I have PUSHED myself to keep going for a walk every day since my dog died. It was hard at first but is now becoming routine. I carry some of my late pup's treats in my pocket, and if I meet a dog and the owner says it's OK, I exchange a treat for a little puppy lovin'.

So, financially this has been a "plus" day and an enjoyable one as well.

RIP and Financial Peace

March 2nd, 2013 at 12:22 pm

Our beloved dog passed away peacefully last week. He was around 11 years old (we adopted him as a young adult of around 1 to 1-1/2 years old, so his exact age was unknown to us). 7-1/2 months ago he was diagnosed with an aggressive form of cancer, so we knew that this day would come. But even if he had lived for another 7-1/2 YEARS, it still would have felt too soon to say goodbye.

Post-diagnosis, he lived a nearly "normal" life until the last 30 hours. DH & I did everything we could to keep him happy & comfortable. We followed his regular routine as much as possible, making modifications to adjust for his changing physical needs. When the end came, it came swiftly, and his passing was as peaceful as anyone could possibly hope for a loved one.

When DH & I were making decisions about our 4-legged boy's care and end-of-life, we never had to ask ourselves "What can we afford?" We only asked "What do we feel is best for him?"

What "financial peace" means to me is knowing that I can care for my loved ones who are depending on me.

In my early 20's, I "inherited" 2 cats. I was a single, young gal living in a studio apartment, not very good with money. (Truth be told, pretty ignorant about personal finance.) When one cat became very ill at a young age, fortunately I had some money set aside that I had been saving to buy a car. I wiped out the savings to pay for her treatment. She recovered and lived happily for about another 14 years.

When I was becoming more knowledgeable about personal finance and created our first budget, shortly after we got married (when money was still pretty tight), I created a Pet category and allocated extra money to it every month beyond what we needed for the cats' basic needs. When the balance grew to 4 figures, DH asked why we weren't using that money for something else. I told him "some day we are going to need it." DH talked it over with a friend who is older, financially responsible, and a pet lover (basically a mentor); the friend agreed with me, and DH never again questioned why I set aside extra money for our pets each month. Over the years, we needed that money, for our cats and later for our dog.

Our pets never had a bunch of toys. They didn't wear clothes. They had nothing with a luxury brand label on it. They had good-quality basic "gear” plus several nice extras. And they never lacked for love, companionship, training, mental stimulation, physical exercise, quality food, or excellent veterinary care. Knowing that we were prepared and were able to meet all of our pup's true needs gives DH & I a real sense of peace.

RIP sweet boy. We love you.