Aridni | 2007 July
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I’m Jobless & Remembering What Mattered Before the 9-5 World

When I quit my job last month, I felt pretty uncertain of where life would go, especially because my husband quit his job the month before. I never expected to find such satisfaction in setting and accomplishing my goals instead of my employer’s.

Living without a constant paycheck is tough. When working for someone else, you start to depend on this little burst of wealth every two weeks when a boss gives you a check. When you don’t get that check, I think that you fight a little harder. You don’t clean your house as much, but you keep working when you get home after a long day.

My husband and I can only keep up this schedule until December when he starts graduate school, so I’m trying to make the most of each day. Freedom spoils you, though. I feel like I’ll be like the new college graduates with skewed perceptions of how work and life should be.

But then again, I think college grads believe in something that we long ago forgot:

1. Work and pleasure can be the same thing.
I don’t mean that you have to love every moment of everything that you’re doing *that’s impossible. But shouldn’t you be just as eager to start your work day as you are to finish?

2. Little favors can lead to big favors. Sometimes you can accomplish a lot more when you team up with others who have different skills and ideas. We’ve really tried to build good connections. While we were in Germany recently, our real estate projects kept developing. Our real estate agent was willing to serve as our emergency contact. My sister was depositing monies at the bank. And several great contractors and handymen tackled a few of our dreaded projects while my dad stopped in during his lunch breaks to follow up. With the exception of family, everyone else helped us along because we’ve helped them in the past, and they know we’ll have work for them in the future, too. Bosses can’t be feared, and as a boss, you can’t always appear so fearful.

3. Life is about living.
My last boss was a workaholic, and it made him furious that I wanted to leave at the end of the day. My memories of college often involved doing the least amount necessary to generate the most pleasing results. You figured out exactly what score you had to get on final exams to maintain your grade. And how many people actually read every text that they were supposed to? School was about more than what you learned in class. Work shouldn’t consume you when life holds far more.

4. Money isn’t everything.
I’m not thinking of reverting back to Ramen Noodles. But whatever happened to the thrill of a free meal or cheap living? How about riding that bicycle even when you can afford the gas now? We work to make money, and suddenly we don’t know what to do without the huge sums of money. You become entrenched by growing “necessities”.

5. You don’t have to be an expert to give it a shot.
In the workplace, it’s easy to see the people that are better than you and become passive. Sometimes it’s even easier for the boss to literally remind you of how unknowing you are because you lack the experience, the knowledge he has, or just plain common sense (HIS point-of-view). In college, we were fearless – what’s the worse that could happen? The sense of adventure vanishes at work, I’ve noticed. Don’t just stick with what you’re good at. Take a leap at the things you’ve never tried or don’t do as well.


Trim the Fat on Monthly Expenditures

If you’re always tapping at your budget and trying to find ways to cut expenses, you might want to check out The Simple Dollar’s recent article: Trimming the Fat: 40 Ways to Reduce Your Monthly Required Spending.

Trent has done an excellent job summarizing a lot of the things we think about but never act on in our budget… and he’s got a few more ideas. It’s worth a look.


Ditch TV and save a million dollars

I’ve never thought much about the financial savings of not having a TV in the house. Yet the gradual savings add up… and may lead you to a savings account of well over a million dollars.

An article on TheStreet.com illustrates the savings of no television that could turn you into a millionaire.


Share your story

NPR is doing a nationwide project called StoryCorps where people are invited to share their lives. For forty minutes, a person can interview a relative or friend, have the information stored in the National Archives, and most importantly, walk home with a personal copy of the recording.

Ever since my dad and I decided that I would interview my grandma the day after her 90th birthday celebration, my dad has been urging me to record my memories before they become as fuzzy as memories are to my grandma.

Share your lessons on money

My grandma didn’t know much about her own money; my grandfather cared for the books. He died years ago, and I can no longer ask him about his experiences and lessons. Today, such disparities are few. You know about your money, and you know the strengths that are bringing you more money. Start keeping a record of your lessons.

The sad truth is that most of us don’t have living grandparents or family members experienced with wealth over time that we can talk to. It’s pretty hard for them to look back even if we have such people around.

You don’t have to have wealth now to record your experiences. In fact, that’s not the perspective future generations can truly learn from. The mission at Aridni is to walk our readers through our lessons. Have you ever seen a book or self-help program that truly starts at the beginning? Seems like they’re always skipping a step’like you already have the million dollar idea or something! These books sell a philosophy; they don’t offer frankness during each step of wealth building. A personal connection who wants YOU to succeed (not another book sold) offers far more useful nuggets.

I learned a lot from my grandma and family traditions that day. I only wonder how much more I could have learned if she’d written them down when she was younger.

How to write your financial journal

  1. Address the journal entry to someone close to you so that you’re more likely to write personal thoughts. I start with: dear friend.
  2. Talk about where you stand with your finances today
  3. How did you get where you are today?
  4. Where do you hope to financially stand in the future? Why?
  5. What are some ideas and plans you have for obtaining that goal?
  6. What are some smart decisions that you have made?
  7. Any mistakes?

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