17 ways to live happily…money

Take an active interest in managing your money.
Oh, for the days when you went to work every day for 30 years, retired and took home your gold watch and sat contentedly in the Lazy-Boy lounger while your steady pension check arrived in the mail every month. Today, most of us don’t have a pension and we must figure out the best place to stash our retirement money, or how to manage our 401k accounts. Not only that but you can bank practically anywhere on earth and charge nearly all of your expenses on your credit cards.

All of those choices mean that you must understand that much more about all of these different financial services. If you are a person who doesn’t understand the basics of investing or paying taxes or balancing your checkbook, your money will suffer and sadly, that affects you.

How do you learn about all these topics? Your library has a plethora of books on managing your money. Do yourself a favor and read five or so books to familiarize yourself with your money. Once you have got the basics down, once per year, skim through a few of the latest books to see if there is new information available that will benefit you.

Dear President-Elect Obama,

Congratulations! It must be wonderful to not only get to the end of this endless presidential campaign, but also to make history. Last night, watching you speak to the thousands in Grant Park in Chicago and to people across the United States, I was reminded of 1992, when I cast my first ballot. Bill Clinton won that night and my friend Cindy and I stayed up late to watch his first speech. I remember it was cold that night in Arkansas, I could see the gloves people were wearing as they clapped in Little Rock. But mostly I remember the sense of hope. I had grown up in a Democratic family in a strongly Republican state. It was my senior year of high school and everything was about to change. I was filled with the hope that in the dawning of the first Democrat as President I remembered, so would my post-high school life be so blessed.

Well, Clinton’s terms in office remain a marker in my political development. As those eight years passed and I started college and finished college and began to make my way in the work world, I learned that even when the presidential candidate of your choice wins (twice) it can be a profoundly disappointing experience.

But that was nothing compared to the last 8 years.

I’ve been sensing something in this country since 9/11. I think as a whole, we are dissatisfied hearing over and over again that all we can do is shop to prop up the economy. We know that there are big problems to deal with on so many fronts: health care, the national debt, the trade imbalance, homelessness, poverty and that god-awful war. In my mind, the American public can be symbolized as a spotty, flabby adolescent, holed up in his room playing video games. We are willing to set aside our dark room and video games and to stand up for our country, to work hard, to make a difference, but we have only been told, again and again, to consume.

After 9/11, we were ready to stand as a country and do what needed to be done. The message we got then was to hole up inside our homes and buy new things to decorate it. We did, but it was unsatisfying and seemed to only result in a fatter and poorer public. So, President-elect Obama, don’t be afraid to ask us to stand up for America. Don’t be afraid to ask us come out of our homes, to sacrifice, or do our duty, or have uncomfortable conversations. We’re more than ready for it. We often look back with awe at our parents and grandparents and all they overcame during the Great Depression and World War II. We have that same grit and I think we are ready to use it.

Don’t be afraid to call on us to help solve those problems. And don’t forget us.

Sincerely,
Patricia Collins

17 ways to live happily…mate.

Find a partner who wants to live happily on their own salary.

It’s no use being happy to save money by eating beans four times per week when your partner isn’t happy unless s/he eats steak five times per week. Say you are happy camping at a lake for a vacation while your partner wants a three week cruise in the Mediterranean. There are so many messages to spend all your money, and so many places to spend it, that it is nice to have a partner who shares your same goals. When you share the same vision of beans and camping and a nice “date” of a neighborhood walk, living well on what you have is that much easier.