Thirteen Things I Have Gained from Blogging

1. In honor of the retirement of the Thursday Thirteen, I figured this was an appropriate theme. And number one on my list is the confidence I have gained from the Thursday Thirteen! My blog wasn’t read by many before the T13, and when the first set of management changes happened, Leanne trusted me enough to be one of the new co-hostesses of the T13! This brought me new readers, thus boosting my confidence. My posts are VERY different now than they were pre-13, and so most of the things I have gained from blogging came out of the T13!!

2. Friendships! I have met so many amazing people through blogging, and that is soooo the stereotypical answer, but it is very true.

3. A new outlet for writing! I used to write creatively alllllll the time, but once I got into college I was writing so much for my classes that I didn’t want to write anymore. Blogging brought me a way to write and enjoy it again, and it’s even renewed my desire to write creatively!

4. My 101 in 1001 has given me a visible platform to write down goals that I’ve been wanting to achieve, and an audience to keep me accountable.

5. The Works-for-Me Wednesday meme has given me so many fantastic tips that I have used in my everyday life!

6. Through blogging I found FlyLady, which is a life altering event! ‘Nuff said!

7. Also through blogging I found Bookcrossing.com, which has revolutionized my thoughts on books and has jumpstarted my pleasure reading, which also stagnated with all my college reading!

8. As I have discussed before, I was very environmentally-conscious when I was younger. Blogging brought that back!

9. As someone who is committed to breast health awareness, blogging has been a great platform for sharing what I know and connecting with women on something that may save their lives!

10. An outlet, of course! When I get excited or worked up about something, online is on of the first places that I go!

11. Blogging has also led me into the world of personal finance management. It’s made me aware as I am leaving college on the importance of saving, budgeting, and investing, something that I will be thankful for for the rest of my life!

12. Blogging on my personal blog has led me to create another blog, Reading Red Letters, my faith blog. This has been a great way to connect with other Christians online, and has led me to many great online blogs and resources that have aided me in my walk.

13. And, in case there was any doubt . . . BLOGGING IS FUN!!!!!!!!!

Thanks so much for a great couple of years with the T13!!! I have so much enjoyed getting to know people, and I hope to stay in touch with you as we continue blogging!!!

Get the Thursday Thirteen code here!

The purpose of the meme is to get to know everyone who participates a little bit better every Thursday. Visiting fellow Thirteeners is encouraged! If you participate, leave the link to your Thirteen in others comments. It’s easy, and fun! Be sure to update your Thirteen with links that are left for you, as well! I will link to everyone who participates and leaves a link to their 13 things. Trackbacks, pings, comment links accepted!

View More Thursday Thirteen Participants

Leave me a comment and I’ll give you a shout out!

As you know, I have been working towards my Masters in management since July. This was in anticipation of a gained sense of business know-how that would aid in my quest to manage theatre.

Yesterday morning I withdrew from the program.

The program in and of itself is not a bad program, but it wasn’t right for me. It is the first year of the program, so there are still a lot of kinks to get worked out, the biggest of them being the recruitment/advertising problems. The program was billed with the tagline of “put your passion to work,” and they recruited people using the examples of people wanting to manage theatres, art galleries, etc.

However, upon going to classes, we quickly realized that the program was more geared at people who wanted to expand their knowledge into business for career purposes. We were requested to pick a field that we wanted to work in - human resources, marketing, investment banking, etc. None of those have anything to do with a previously conceived passion. The focus of the program is very much a corporate business focus.

The course work was IDENTICAL to the first year MBA coursework - same syllabi, same professors, etc. Had I known going into the program that that was the way it worked, I never would have applied. However, it being the first year, there was no way to get a testimonial, and I was forced to take what the recruiters were saying as fact.

For months I have been growing more and more miserable. The work is extremely difficult (I’ve never worked so hard in my life), extremely boring, and extremely not me. I haven’t been enjoying it for quite some time, and in the past couple of weeks I’ve come to the point where I couldn’t talk myself into staying any longer. Also, the courses are mostly based on group assignments and a final exam. The only real indicator of personal achievement is the final exam, and I was slowly discovering that my exam grades were not to my personal standards of success. Why slave away at something I don’t enjoy with no sense of accomplishment? It was a downward spiral.

So, after much deliberation, I withdrew. My family and close friends all support my decision, and I trust them very much, so that has helped with the process.

Now I’m faced with the fact that I’m not in school (for the first time in 20 years), and I have to do something. I have to get a job (which, of course, I wasn’t expecting to be an issue for at least 8 more months), and I need to start being a grown-up for real. And I have no idea where to begin.

So I am sorry for my absence, but there has just been too much going on in the decision-making department lately. However, I feel like a huge load has been lifted from my chest, and I am eager to see where life takes me now.

Please pray for me as I try and discern where I go now.

And now, back to blogging. I feel like I can get back to where I was before!!!! I missed blogging, and all my commentors! Life online is simply too addicting ;-)!

Thirteen Things about PERSONAL FINANCE

I’ve been working on my personal finance situation a lot lately! Here are several tools and tips that I’ve come to depend on!

1. PearBudget: I know I’ve talked about this before, but I just have to put one more plug in. Everyone needs a budget, at least when they’re first getting started with personal finance management, and PearBudget is a great program that is free, super easy, and will keep you using it! I’ve been on it for more than 2 months now, which is a HUGE achievement, LOL!

2. Next, you need a way to keep up with your accounts. There’s the old paper and pencil checkbook ledger, but we’re on our computers for everything else, why not managing our finances! I’ve used both Microsoft Money and Quicken Personal Finance, and they are both great tools!

3. Almost any personal finance site that you read tells you that you need to have an emergency savings fund, just in case something happens like you have to go to the hospital, or you get laid off. The amount that goes in this fund varies - a great place to start is $1000, and many sites recommend you keep 3-6 months worth of living expenses. The most common complaint: I can’t afford to put money into an emergency savings fund! The most common reply: You can’t afford NOT to do this. I’ve got 2 that I’m working on right now. My immediate emergency savings fund is through my bank, and I’m currently building a long-term (the 3-6 months one) emergency savings fund in a high-interest savings account. The immediate one is in case I need the money RIGHT NOW - I can get it from an ATM. The long-term one is accessible within a few days, and it will grow because of the interest! Free money!

4. High-interest savings account? How do I get one of those? I’m currently setting up accounts through ING Direct, and I’m LOVING it so far. The interest rate is 4.4% - how crazy is that?! Accounts like these are run through the internet - there is no physical bank, and you don’t get checks. They’re just savings accounts. There are many other financial institutions, but ING allows you to set up sub accounts, which is too cool! I have sub-accounts for my emergency fund, travel fund, medical expenses fund, etc. And all are gonna earn 4.4% interest!

5. I Will Teach You To Be Rich - I’ve blogged about it before, but again, I have to mention it. There are so many different concepts, ideas, and terms that I am so clueless on, and this site explains them in a simple, no nonsense way that will make things clear! Amazing.

6. Don’t want to wade through all the personal finance sites? Then just get the goodies through the Carnival of Personal Finance every week! You’ll find topics about EVERYTHING, and there are three or four sites that I’ve found through reading the carnival that I’ve stuck with.

7. Get an Entertainment Book. They only cost about $20, but there are hundreds (probably thousands) of great coupons and savings in the book. Well worth the money spent!

8. Invest. There are many different kinds of investments (see my #5, he explains them all), but make sure that you are investing. The type of fund that I keep seeing more and more recommendations for is a Roth IRA, which I am still learning about. It involves investing your money and paying the taxes now, and then when you withdraw it, it will be tax-free (no matter how much more taxes are at the time).

9. Another great way to invest - the stock market. Ahhh, don’t be scared. If you read up on what to do, and find a great place to invest with, then you’ll do fine. And the place I’ve seen mentioned over and over again is ShareBuilder. As soon as I start to receive a regular income (aka, when I get out of grad school), I will be investing with ShareBuilder - the fees aren’t bad, and they’re not gonna try to trip you up because you have no idea what you’re doing.

10. Shop at discount stores and buy in bulk! You’ll be amazed at how much you can save at places like Costco and Sam’s Club! However, be wary . . . pay attention to the costs, and divide by how many you’re getting. Are you really saving? Discount stores can be great as long as you play it smart!

11. Take advantage of websites that offer promotions. For example: you need to buy a book for your Bible study in two weeks, and there was a CD you were wanting to get. You could go to Barnes and Noble or Borders that is right by your house . . . or you could go online and get them from Amazon.com for cheaper. And if you spend $25, it’s free shipping, so it’s like you bought it in person. You just have to wait a few days. So why not go for the discount? Or, even better! Do you buy books/DVDs/CDs/software/toys/groceries a lot? Do you shop on Amazon.com A LOT?! Then become a prime member. For a reasonable fee you get free 2 day shipping and significantly discounted overnight shipping. I was offered a free 3 month trial, and I loved it so much that I paid the fee. Now I NEVER buy these things from expensive stores in person! Click here for details!!!

12. Cook at home - don’t eat out, don’t go to fast food restaurants. I’ve been experimenting with my spending lately, and it’s AMAZING how much I’ve saved in food costs!

13. Want a great new opportunity to save HUGE on virtually anything you can buy online? I’m an IBO member, and we sell everything - we have our own product lines as well as partnerships for huge discounts on stores like Barnes and Noble, Office Depot, Dell, Things Remembered, Shop.com, Joann’s Fabrics, and SOOOOO many more! We run the business through Quixtar. The discounts alone are worth it, but if you’re a member, you get a check back based on your purchases and the purchases of your customers. Take a look, and if you’re interested in buying something, let me know! I can set you up as a client with ZERO obligation. Or, if you want to take a great opportunity and are interested in making some money, let me know, and we’ll discuss!

Get the Thursday Thirteen code here!

The purpose of the meme is to get to know everyone who participates a little bit better every Thursday. Visiting fellow Thirteeners is encouraged! If you participate, leave the link to your Thirteen in others comments. It’s easy, and fun! Be sure to update your Thirteen with links that are left for you, as well! I will link to everyone who participates and leaves a link to their 13 things. Trackbacks, pings, comment links accepted!

View More Thursday Thirteen Participants

Leave me a comment and I’ll give you a shout out!

Well, I thought I’d join in with the Works for Me Wednesday this week, just to see what all the fuss is about ;-)!

I just discovered a great new financial resource. I’m clueless about financials - why I’m doing business school is BEYOND ME. I get soooo lost in class. But that’s another story.

This is a great resource for PERSONAL finances, and it’s specifically geared towards college students, grad students, recent grads, people just getting out on their own, etc. It also can apply to people in their thirties, and there are some bits that apply to everyone. The site is I Will Teach You To Be Rich - catchy, huh?

It’s not a get rich quick thing. It’s about how to properly manage your money so that you’ll have more of it, LOL! There is a lot of focus on budgeting and investing, especially starting out on all these things.

Seeing as how I am so clueless, and this site is sooo clueless-friendly, I have learrned a TON just reading the articles today, and I’ve barely scratched the surface! Making the most of my money? Works for me!