Posts Tagged ‘Personal finance’

He who fails to plan is planning to fail

If you want to overcome laziness and save money then it’s up to you to make changes to your life. Overcoming laziness and procrastination are the hardest things for many people to do that don’t have clear goals in life. Even if they do they probably don’t like the path they are on if they are not willing to change or have some sort of enthusiasm about why they need to get something done.

I’ve heard it all before when it comes to budgeting, how we don’t have time, it’s not worth our time, it makes no sense, but we need to find a way out of debt because we are drowning in it. Own up to your debts and make it right, do something about it.

Not all people are lazy, some people are simply unable to do things on their own and those aren’t the people I’m talking about today. Many people with disabilities or seniors would love to do so much more but are simply unable to do so. Sometimes  age, illness and disability come at a premium because you have to hire others to help you get jobs done that you really want to do on your own but you know you can’t.

These folks eat themselves up inside at times because they know people who are perfectly well to do things and just don’t know what they’ve got. It makes saving money and budgeting seem much more appealing and preparing for one day when you might not have the ability to do what you once used to be able to do.

This past week while we were out and about taking care of purchasing materials for our landscape renovation for the house the word “lazy” kept popping up in conversations everywhere we went. It was as if it was telling me to write a post about lazy people and why being lazy is costing you money.

Let’s run down the lazy chat we had this week…

goat laying in the pasture

Lazy Chat 1

Lazy bum that’s something I’m familiar with from back home in the UK and what we call someone who needs a cure for laziness because they do nothing more than what is required to get on with life. Have you ever been told to “get a move on” or have you had someone try to motivate you to do something because they want to progress or know that you have the knowledge and skills to succeed but you are just being lazy and don’t care?

If you have to ask yourself “am I lazy” then you probably already know the answer to that question. If you are the opposite of lazy you are most likely full of energy and are potentially achieving your goals and accomplishing what you are setting out to do in a timely fashion. That is if you are focused on those goals. Some people can be active yet not taking care of what they should be.

Let’s look at our neighbours up the road as an example. Two adults who are seen washing and waxing their cars more than they take care of a home that was practically given to them by their grandparents. They both have decent jobs and ever since moving into the house it has gone from well cared for to a pile of dung.

Entitled, maybe they do feel entitled since they didn’t have to work for hardly anything as the house landed on their lap. I’m not making this shite up either as the previous owner on the home was well-known in our neighbourhood. She had a garage sale and told the neighbours that they were downsizing and giving the home to the grand-kids at bargain basement discount along with all the furniture, tools etc.

If it takes you one month to mow the lawn because you come home after work and would rather sit in front of the television or doing whatever you do while all your neighbours want to buy you a goat, you need to stop being lazy and get your arse in gear and mow the lawn. The last thing you need is a knock on your door from the lawn mowers vigilante group. Don’t worry, he mowed the lawn and gave it a half arsed mohican, left all the clippings on the side-walk, didn’t trim anything and it still looks like crap. Oh well, beggars can’t be choosers I guess, at least it’s cut, kind of. That and the shiny cars make a good distraction for any one walking by.

Being a lazy homeowner can cost you money if you are not careful especially when it comes time to sell and you host an open house. Good thing some potential home buyers can look past others laziness. Maintaining your home is very important and if you let your home fall apart because you spend your money on “wants” rather than “needs” you may be in for the shock of your life.

I’m sure you all know someone who let’s their kingdom fall apart around them, there’s one in almost every neighbourhood. If you can’t afford it or are unable to take care of your property sell it and downsize, move into an apartment or condo or somewhere cheaper that is maintenance free. Letting a house crumble will cost you more money than you think to repair items you fail to take care of.

Garden Salad Bowl

Lazy Chat 2

While picking up our bushes at a local garden centre we were approached by a manager who clearly hated her job. In the 10 minutes at cash her and another employee went on to bash the garden centre and said they were told to go around and reduce items that they would “never pay full price for”. OK, I thought maybe they adults who are earning money and are miserable at doing what they do.

It makes me wonder why people have to be so unhappy when clearly a job is a job and someone else would love to take that job from them. We don’t always get what we want in life and sometimes to make our dreams happen we really need to put our mind to it and do something about it. Whining and complaining never gets anyone, anywhere. Be happy.

She then proceeds to say, “hey, do you think you would want this dead looking bowl of lettuce?” to my wife. Of course we both thought, sure we could use the bowl not thinking about the lettuce and bringing it back to life. We took the bowl and as the order was processing she was clipping the dead lettuce off and started her lazy talk.

  • Manager: I don’t even grow plants, I don’t even know how to make a salad, I just buy them. (with a smirky, who cares attitude)
  • Mrs. CBB: Oh, really? So you pay to buy your salads already prepared for you, rather than making one for cheaper?
  • Manager: Yes, it’s not like I don’t know how to make a salad (insert smirks again), I’m just being lazy and it’s easier when it’s already made for me.
  • Mrs. CBB: (in her head) You’re an idiot! It’s a salad for crying out loud. Only because this girl is young and not even willing to try to make a salad. what is she going to do if and when she actually finds a partner to marry, has kids and has to prepare meals? I don’t know many couples who fancy eating out of a box every day and if you don’t know how to cook, invest some time into learning and experimenting.

Is this more of the entitled attitude, “I make money so I can spend it however I want to” because someone might just get a reality check down the road. Sometimes it’s not until we hit our 30′s and some 40′s when we say, oh no, what have I done? Then the regret sets in and they look back and say, why did I do this or why didn’t I do that? Don’t make that be you. Entitled, maybe until the bills or life and reality set in.

Salads are so easy to make (here’s a recipe for a quick tomato salad) and cost a fortune pre-made but clearly there is a market for them. Just look at grocery stores today as they are littered with convenience foods that make the business a fortune. Although time is money we have to get real and draw the line somewhere. Maybe this is why some people are not learning how to cook because they rely on these “take it and go” type meals. If saving money on groceries is part of your plan, stay away from prepared meals you’re bound to spend far more than you need to.

We are only a few days in and the salad bowl is picking up and doing fine. In no time we will be enjoying salads made from this salad bowl in which she could have taken home herself and cared for, free. We all know that grocery shopping can eat up a big chunk of the budget so if you want to save money, plan how you are spending your money wisely.

Lazy Chat 3

We had a dentist appointment last week and as I laid in the dentist chair I immediately remember the blog post Catherine at Plunged In Debt had just posted about lessons learned in the dentist office welfare and teen pregnancy. It’s mainly about the things people say and it makes you wonder why they think the way they do. It was my hygienist this time that gets third spot in my lazy chat.

She was asking how my week was going and I told her about the landscaping project I was doing that was well overdue. She goes on to tell me how she doesn’t worry about the front yard as much and focuses only gardening in the back. My husband “isn’t into gardening” much as he likes his sports so I’m the one with the green thumb.

In her words, “I’m just too lazy to worry about the front garden”, really??? There’s that lazy word, again! It was haunting me all last week and maybe because I was so damn tired from all the landscaping hours I was putting in, plus my job and blogging like a nutter that the word lazy was FAR from my vocabulary. Sometimes I wonder if I need to be lazy just to keep it simple stupid, but I don’t think that will make me happy. Keeping active is just a part of my lifestyle although I know when to balance my life with some R &R even if it’s only an hour for me or a small getaway for the two of us.

Why own a home if you don’t care about it? The talk went on and on with me mumbling in between the cleaning, uh huh and other noises just to make like I was listening (not that I had a choice). We hire a boy to mow our lawn once in a while and pay him $20 just to keep it cut every week, she ended the conversation and moved on to talking about her son.

I ask at the end, how big is your property? She says, I don’t know exactly, but it’s not that big at all, it’s around a 30 x 115 lot. Yes, shaking my head was exactly what I was doing. So they pay this kid around $80 a month at $20 a week give or take x amount of weeks per month to do something that would probably only take less than 15-20 minutes if that. Let’s be generous and say 30 minutes x 4 weeks, so around 2 hours a month, cash at $40 an hour. Nice pay and summer job for a student or anyone looking to earn some extra money, I’d do it too!

How To Overcome Laziness In 5 Steps

  • Get More Sleep:  Sleep debt is what some people call it, when you start banking those hours of sleep you lost but the problem is, you can’t get them back. I know many of you are saying, but we have kids or my job is demanding. It’s true people have lives that are hectic but if you don’t look after yourself your health can quickly deteriorate. There are no magic hours of sleep numbers as each person has individual needs based on a number of factors in my opinion. I think we just need to listen to our bodies but not go overboard. If you are falling asleep at the wheel of your car of you just stop caring about things or find you are getting depressed from being tired work on your sleeping habits. I like to stick to about 8 hours if I can although I know that it’s not always realistic but trying to standardize sleeping habits and patterns has helped me work thorough this.
  • Set Realistic Long-Term and Short-Term Goals: Make a list, that’s what I do and as I finish one task I scratch it off and I move on to the next item in order of importance. Don’t just type out your to-do list on the computer, print it out and put it somewhere you see it, every day. There are days where I want to accomplish a few small tasks and others where I designate a large task to get done but if I don’t see what I need to do, then I’ll likely forget about it. This is why things start piling up in people’s lives and then they give up. There’s something about using a list that motivates me to get the job done, so if it works for you I encourage you to take control now.
  • Plan Of Action: Don’t just start your weekend off not knowing what you need in order to get a task completed. If you don’t have the ingredients for a recipe at home, how can you make the recipe? Utilize time slots, even small ones to plan your goals for the day or week so you pick up items you need so they are ready to go. If you have to do research on something don’t wait until the day of to get it done. Be smart and plan ahead.
  • Act On Your Goals: It’s one thing to write out a list of goals or a to-do list for a time period but if you don’t actually do something a bout it then it simply becomes a list that means nothing.
  • Reward Yourself: If you find doing chores to be uninteresting and meaningless to you even if it making improvements then give yourself a treat when you accomplish something on your list. It doesn’t have to be big, in fact it might just be a few minutes to yourself reading a book, something you want to do but never get around to. If you accomplish weeding your garden and mowing the lawn and you want to enjoy a pizza night to celebrate your efforts, then do so. Just remember that no everything you do in life should be rewarded or will be rewarded. Don’t set your self up for failure with false expectations whether in your personal life or your work life. Not many bosses will throw you a biscuit just because you showed up for work, and worked.

It was Winston Churchill who said during World War II “He/She who fails to plan is planning to fail“,  so make sure you are one step or even a few steps ahead of yourself to stay the course. Life waits for no one so if you want that promotion or if you want to accomplish goals around the house, put a battery in it and get a move on. My plan of action is to Think, Set, Plan, Do, Reward so I Think-Reward which helps motivate me in all aspects of my life, even if it is to save money.

How do you motivate yourself to leave lazy behind and get what you need to get done?

Excuses Quote

  • Are you NEW to Canadian Budget Binder?
  • Follow Me on Social Media:  Twitter, Facebook , Pinterest , StumbleUpon, Reddit and Google+
  • Plus! Don’t forget to Subscribe to the blog so you get my daily email!!
  • If you need to get in touch with me the best way is on Facebook!

Photo Credit: Freedigitalphotos. net : Digidreamgraphix

About these ads

Grab A Brew Reading Line-Up

Listening, learning, building and sharing equals growth that is what the old happy guy up the road told me this morning when I bumped into him at the post box. I always stop to chat to him because I enjoy listening and learning from him then sharing with all of you. Now that he is living the  retirement dream life debt free and healthy as a horse you can tell how much he misses having people around him.

Below is essentially paraphrasing what I learned from the old happy guy today. The talk made me think about my life and how I approach parts of it at home, at work and right here on the blog. He made me feel as if I am on the right path with areas to improve in because I know that I am generally a happy guy who likes to put others first while taking care of my own needs.  I also know that I am not perfect and in order to grow I must be willing to change and I may fall down the ladder. The key is to pick right back up, learn from our mistakes and carry on.

In conversation I asked him how he was able to run such a successful organization the way he did and with such a large team of employees. It wasn’t easy from what he says but it also didn’t sound like rocket science when it came to people skills. The business closed down shortly after his retirement because he said that things just started to fall apart. I sometimes wonder why and maybe his conversation today could be a hint as to the success and failure of some businesses and even life and relationships in general.

He is still married to the love of his life and although he wants to golf all day they still bicker like any other couple but they do one thing that is important to any relationship, they listen to each other. I might just dig a bit deeper next time we chat but for now he shares his insight about life and his tenure in a senior level capacity. I’m almost enjoying learning bit by bit from him. Who wants the whole pie when you can have a piece at a time?

His answer seemed so simple, almost like common sense but sometimes common sense isn’t so common to some. My understanding of what he was trying to tell me was that the reason he was able to move from the bottom of the company to the top was from these four simple words. I’m the one who picked out these four simple words from the conversation as if I was meant to, and he knew that I would.

Listening, that he did as he listened to what everyone had to say even if they were the clean-up crew or the secretary who greeted clients as first contact of the organization. Everyone added something important to the organization whether if they are part of the team or a competitor. There is always something to learn from individuals around us as we are all unique, he said. When you listen to others you stop talking and let them do the talking in order to build relationships. Building relationships allows you both to work together to create ideas that you can then take and share with others.

We also take others ideas and share them because when we help others out we are able to grow. We don’t just grow in numbers we grow in strength, we grow in arms, we grow in believers. There were so many times that people would get what they wanted and or thought they would get more if they did menial work or dropped in to say hi once in a while to make me happy. Life doesn’t work that way. If you can’t take time for others, how can you expect them to take time for you?

Listening

It all made sense to me and what I understood from his little story this morning was that in order to succeed sometimes we need to stop focusing so much on ourselves and listen to what others have to say. When we become so competitive in nature we overlook the simplest of ways to grow and that is through building relationships and sharing. When competition becomes the goal we lose sight of all things necessary for growth to happen and that is the team. Whether that team is your fans, your fellow bloggers, your co-workers, your friends and family we need to take time to give back.

If you just stick around to get what you want from someone and then bugger off never to be seen or heard of again that growth period stops. You have now just shared that all you wanted was a quick fix, an easy way to get to the top with someone else’s help.

Learning

I’ve always been interested in talking to those who are successful because they didn’t get to the top because they were just “lucky” you must have strengths as a leader, as a partner, a team-player and as someone who cares about what others have to say and finds ways to help bring ideas to life.

I think that’s why I get incredibly emotional at times when I watch the TV program Undercover Boss because seeing how these successful CEO’s really want to help out employees and their organization improve and grow hits a little part of me inside. I know that, I would be that person if that were me as a boss. I enjoy giving back and seeing people grow, seeing my goals come to life while learning and helping each other out. They give to the organization and the organization gives back to them.

Building and Sharing

I’ll continue to listen to what others have to say, I’ll learn from those I surround myself with whether here in the blogging community, my fans, friends, family, co-workers while building relationships. I’ll also share the knowledge and wisdom that I’ve learned in order to grow. I will continue setting goals knowing now that those who are full of themselves, jealous or trying to keep up with the Joneses whether at home or at work may just end up buried because all they care about is themselves.

If we are wise we will know that the only way up the ladder is when people believe in you, you believe in them and you believe in yourself. Open up your mind, open up your world and open up your eyes before everything around you crumbles. People will only give for so long before they say, good-bye.

Always something new to learn from the old happy guy…  so on that note below are blog posts of the week that I read and would like to share with all of you to help them grow. Please take the time to give them a read and comment sharing what you have to give back to the articles you read.

-Mr.CBB

Do you Listen, Learn, Build and Share in order to Grow?

Do you team up with like-minded people even if they are on the opposing side in order to help each other?

Growth… how do you achieve success without falling down the ladder with no one there to catch you?

Top Recipe

Sweet Heat Chefs Blackberry Strawberry Goddess

Each Sunday on my Facebook Page is Frugal Food Sunday where I invite other Foodie Pages to share their Frugal recipes with my fans. Each week I will pick one of those recipes to feature here on the blog for all of you. Since we love berries in the CBB house when Sweet Heat Chefs shared their recipe for Blackberry Strawberry Goddess dessert I knew right away that was something I would love to make. So a big thanks to this weeks Top Recipe and blog: Sweet Heat Chefs!! 

So next time you see this photo posted… come share a recipe from your blog and you might get the next feature!

Frugal Food Sunday Cover

PF Weekly Reading Line-Up

Have a great week everyone and I hope you enjoyed this edition of my PF Weekly Reading Line-Up #23 Grab a Brew.

Money_quote

  • Are you NEW to Canadian Budget Binder?
  • Follow Me on Social Media:  Twitter, Facebook , Pinterest , StumbleUpon, Reddit and Google+
  • Plus! Don’t forget to Subscribe to the blog so you get my daily email!!
  • If you need to get in touch with me the best way is on Facebook!