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Nickel and Dime Plan

September 15th, 2010 at 01:07 am

I haven't blogged in quite some time. Too busy for words, too tired. Too lazy. And a little stressed at work. Plus my supervisor wants me to take a higher paying and more STRESSFUL position and I'm just not interested in the additional health problems and the additional work and hours. (The money would be nice, but it isn't a huge raise. Not sure if the additional stress is worth it.)

Anyway, the good news is I'm still saving money and looking for new ways to divide up a dime. Still inspired by the savingadvice camp. At one time, I felt like my budget was being nickeled and dimed to death, but as of this month (Labor Day) I'm using the concept to my advantage.

I started a financial freedom jar and intend to deposit something into it every day from the cash allowance/envelope system I currently use. EVEN A NICKLE OR A DIME!!! It's an effort to change my focus to the positive (building) rather than the negative (subtracting and whining about it).

Then I'll deposit the collection each payday or each month CONSISTENTLY into the wealth account. (I've had issues with consistency.) The bank tellers always smile and seem to say, 'how sweet' when I deposit dollar bills and change, but when they look at the balance of the account, they seem to say 'hmmm.'

Even though it looks like I may not meet my goals by the end of year, I'm still striving for them. It just means I'll stretch the goals into 2011. Happy saving!

4 Responses to “Nickel and Dime Plan”

  1. PatientSaver Says:
    1284554577

    Can't blame you for not being excited about the "promotion."

  2. Jerry Says:
    1284744573

    It does all come down to the amount of stress that a new job leads to... I know people who make loads of money, but they have almost no life outside of work, they hate their jobs, and they wind up needing their health insurance for counseling or ulcers! I think that there are multiple definitions of wealth, and I hope that your nickel and dime plan helps you to get there! Good luck...
    Jerry

  3. Chris L. Says:
    1286326959

    Very interesting article. I think the world is nickel and diming since our economy drop. What you're talking about is a realistic budget plan, though it may be measly right now. A lot of people don't take measures, (even small ones like you're describing above) and find themselves standing in the street with a sign around their neck. Keep it up. You'll succeed.

  4. Chris L. Says:
    1286327071

    Very interesting article. I think the world is nickel and diming since our economy drop. What you're talking about is a realistic budget plan, though it may be measly right now. A lot of people don't take measures, (even small ones like you're describing above) and find themselves standing in the street corner with a sign around their neck. Keep it up. You'll succeed.

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