Good Witch / Bad Witch

Entries tagged as ‘money’

Roomie Respect! Vegan vs. Smoking Cocktail Swiller

January 25, 2010 · 13 Comments

In this corner weighing in at no animal protein products, ittttt’s Vegan Vitto! In this corner defending titleholder, Glam & the City! Can roomies with seemingly conflicting lifestyles live successfully under one landlord?     — BadWitch

Readers Are Spellbound & Perplexed…

Dear GWBW — I have a new roomie who’s really nice but is a total vegan and yoga nutcase. I like to drink, smoke my ciggies, and eat out (I don’t do drugs). We get along just fine, but I don’t think we approve of each other’s lifestyles. Can a veghead and a smoking carnivore get along under the same roof?  — War of the Roomies Avoider

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Dear Roomie war avoider,

How the heck did you two come together? It can sometimes be tough enough to live with people we love, share commonalities with…but I know when it comes to making the rent, we can do a lot more than we’d guess, if we set our minds and grit to it. Here’s what comes to mind immediately:

Set some house rules – most especially around food storage and other territorial netherlands. Start with comparing your separate deal breaker lists, and working down to the Would Likes. Oh and of course you may find you can live together under one roof, but you will have to smoke somewhere else, most likely.

Be respectful as you wanna be respected – this includes a brief and mutual head/life re-orienting time; check in weekly on progress and to air concerns (your case has high potential for stuffing feelings down, don’t). If you do the above robustly, this part should come more naturally for both of you — but I would do definitions here, like, “When I say X, I mean (fill in the blank specifically as you can articulate each).”

Share an outing – If you can successfully navigate #s 1 and 2 above, Pass Go and Collect $200 by trying to see if you can come up with and share an easy, low maintenance outing like a coffee/green tea, a walk, or even eating out. This civility is only meant to help shine light on the commonalities of your lives towards lessening the differences. If you two become actual friends, even better!

Hmm, you kinda have a lot of potential for cool and expanding experience here. If you both consistently focus on that as being a mutual goal — and do the work — your communications will likely come smoother, less haltingly mindful, and eventually easier. Learning how to communicate and live with people we’re different from on the surface could even begin to teach us how to be more at home with truest selves…whoa, now that’s cool.

Strawberry fields forever,

BadWitch

==

Dear War of the Roomies Avoider,

What can I say, “Let there be peace on earth and let it begin with me.” I realize that your two lifestyles are very different, but judging one another is not the way to peaceful cohabitation. I also realize that some deep personal beliefs may come into play, but in the end, we are all just trying to get through this life thing. Making your roomie wrong because of seemingly austere vegan ways is not the way.

RESPECT! Respect does not mean expecting others to bend their wills to fall in line with what you believe is the best way to live your life. Respect is allowing for each person to be as they are and finding, if not acceptance, then understanding. For instance, perhaps out of respect for your roommate’s virgin lungs, you might smoke your ciggies outside. You will not only be happy for a fresher, less second-hand household. I understand the aroma of cooking beef or chicken, while delightful to some, might be trying for a vegan. Your roommate, should respect your need to cook your food in your shared kitchen, though I suggest separate pans. These are just uncomfortable bits of undefined boundaries. Work out the rules of the house so you can move on to amicably.

So, I guess what I’m saying in a very motherly tone is, “Work it out!” I should not need to come to your house to show you how to compromise effectively. Apparently, you both signed on for this cohabitation, knowing what you were getting into. Why now the judgments? Why the disdain for exercise and rigid eating habits? Why the condescension for indulging in life’s bounty? You two need to have a good, cold-hard-facts-on-the-table discussion. Work out the boundaries of you respectful compromise and get back to the business of the “who’s really nice,” you started off with.

The Vegan is no more of an exalted human because he/she does not eat any part of an animal’s flesh. You are no less of a human because you may choose to have a cigar with brandy after a nice steak. We are all spirits in this 3-D existence with our own karma and lessons to learn. We do not know what you or your roommate is intended to learn in this life. Who are you to judge the path before the other? Every human is not alike, though every human is equal in the eyes of God. The trappings and “story” we have concocted around our lives means little in the grand scheme of things. If you’ve ever lost a loved one, you know it is the loss of the spirit, the communing, the relationship that echoes loudest—not what would have ordered at a restaurant.

As I say to my own children when bickering is just easier than being respectful, “Get over it before other people start treating you that way.” You two seem to be in the throws of teaching each other the wrong things. Have an honest, respectful conversation, agree to some respectful boundaries and get on with the peaceful cohabitation.

Good luck,

GoodWitch

==

Image, DrummaKween @ flickr

Juicy Coaching for Leaders and Individuals.

Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · Life coaching · de-stress · life · relationships · self-improvement · spirituality · wellness
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Have Fun, Build Credit on a Budget?

January 18, 2010 · Leave a Comment

How do you get started or maintain good credit these days? Can you live it up and still live by your means?   — BadWitch

Happy Martin Luther King, Jr. Day – stockmarket closed.

Readers Are Spellbound & Perplexed…

Dear GWBW — How can I stay safe and sane on the money front? I’ve got a good paying, crappy full-time job (but will have to give it up for a slightly lower paying entry level one in my field, if I can get one!), am graduating college this spring, and other than my student loan, believe it or not I have very little credit card debt (around $3500) that I pay more than the minimums on. I want to stay conservative but not totally have no life. Thanks.  — Green Grad

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Dear Green Grad,

Wow, feeling a little down about where you are now and where you want to be going, huh. This is no way to start off a whole, new section of your life.  I get being realistic about your possibilities in this market, but your tone, frankly, sounds pessimistic about where you are now and future possibilities.

Want to get to the finish line feeling good about who you are and what you’ve achieved in life? Stop rushing to the I’m-suppose-to-achieve-by-the-time-I’m-30 finish line. Appreciate where you are now and enjoy it, then it easier to plot your way forward.

Reality check. In this economy, no job that feeds your belly and keeps you with a roof over your head is a “crappy” job? I know a Ph.D. currently working in a bookstore and glad for the paycheck. Our culture has been blinded since Archie Bunker’s plaid working-class and JJ’s “dy-no-mite” housing projects lifestyles were replaced by Dynasty’s big shoulder, designer labels. Life is not what you do for a living or what you spend your money on. Focus on finding the positives wherever you can find them. There’s no finish line. Life is a series of connected moments. Make the most of each one.

Now, with this new half-full outlook, realizing how lucky you are: no kids, supporting only yourself and with a viable income and young and cheap enough for employers in your field to want to hire you. Nice. So, how about your wallet?

1. Pay Yourself First. Every check, put 10%-15% into savings immediately. That way you build up more (pick one: freedom, stability, money, choices) for yourself with every check you collect from this current job and have more of a cushion to open up choices for the next step in your career.

2. Buy According to What You Need, Not What Will Impress Someone Else. Listen, if the only way you can get someone to be interested in you is to have the right phone, the right car, the right shoes—GET RID OF THEM. Make buying choices based on making yourself happy—not in the moment—but in the long run. If you love the expensive shoes and will wear them happily and comfortably for the next 2 years, that’s a good investment. If the Jimmy Choo shoes are uncomfortable, but cute and will wind up under the bed, but so-and-so will choke on there sushi when they see…bad investment. Those shoes will limit your spending choices moving forward. (Substitute any possible consumer good for Jimmy Choo example.)

Still need more money management ideas? Check out these earlier GWBW posts. They say downsizing, which means how you balance having money, having stuff and having a life.

Happy Trails,

GoodWitch

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Dear Green Grad,

Props on being aware and diligent about your own credit worthiness and financial health! Everything in it is a metaphor for the state of our life; our finances mirror our general emotional and practical wellbeing. All things are connected, so if you become more and more responsible and alert through action — which isn’t synonymous with a gloom and doom existence! — it becomes very hard to not reflect that ease and grace more so in most parts of your life.

We’re not financial specialists so consult the appropriate professionals if your situation now or comes to require it. Otherwise, I recommend the classic rules of personal money management: pay yourself first (designate a percentage of each paycheck to your savings before all other commitments), pay off your debts (assuming finance rates charged you are higher than the rates of return on your investments. This will help raise your credit score, and (free) check your three credit scores the beginning of every year for general info as well as correcting any possible inaccuracies over the year), and despite what my hero Oscar Wilde said (shows no imagination..ha ha!) by all means live within your means. The latter is the bane of many people’s financial life.

Don’t assume but definitely account for that lower starting salary in your field you’re anticipating. First do the research to find out specifically what that means in dollars and cents, and adjust your monthly nut accordingly by that percentage drop now. But…you can live well by living smart; create small term goals for your finances like for vacation, school books, monthly entertainment budget — and stick to them coming (saving) and going (spending). A friend was successful with my suggestion to teach her kids about the value of taxes by having them put a small set percentage of their allowance into the House Tax, which ends up funding family pizza and movie night, or similar. Adapt this plan for your own lifestyle expenditures and make sure you stick to it for maximum enjoyment!

We get more out of life when we know (self-examine) more about our life. This includes understanding well our personal priorities (Bill Gates was known to regularly refuse the Presidential suites automatically held for him, but gathered a partner to buyout the Four Seasons Hotels, Inc.) — I advised another recent college grad not to get used to a lifestyle she’d have to make career decisions to support, but make choices to support building her career (her priority then) with ease and flexibility. Now she’s a happy careerist homeowner.

Budgeting and spending don’t have to be painful experiences, or negative words when we see the Big Picture. And this is how our lives begin to look better, we feel more in control and go from stressed survival to thriving and fully living.

Save & live for yourself,

BadWitch

==

Juicy Coaching for Leaders and Individuals.

Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · Life coaching · life · money · self-improvement · spirituality
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I Pronounce You Bridezilla On Da Dance Floor!

December 31, 2009 · Leave a Comment

Are First Dance lessons a must today, in your wedding budget, or are you just out of your wedding planning mind? Something borrowed, Groom to Bride: “Shall we Dirty

Dance or Two Step ever after?”   — BadWitch

Readers Are Spellbound & Perplexed…

Dear GWBW — I’m a bride-to-be but not a Bridezilla. Do you think we look bad if we don’t getting dance lessons for the First? Funnily, it’s my fiance who wants to, but I don’t see why when we’re both good dancers naturally.  — Mrs. Twinkle Toes

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Dear Mrs. Twinkle Toes,

The first dance of the bride and groom is symbolic of you to dancing together through life. So the question is, do you prefer that dance be choreographed or a free-form expression of the two of you together in the moment?

I believe the beauty of dance is how much fun you are having while you’re doing it. But, looking good in front of friends, family and out of town guests is not to be undervalued. So knowing the best dancers know how to lead and how to follow. Compromise may be the best solution of all. Take the classes and learn some new tricks. Work out some new styles and steps and then have a few Dance Dates at home. Integrate the moves you learn (a salsa step here, a samba hip there) and make it a part of your own style.

Don’t get too wrapped up in the “perfect” wedding, because believe me, the things you remember and cherish years later have little to do with how well you did the first dance, which cake topper you chose or the seating arrangements. A good party flows naturally—not too controlled. Allow yourself to get back to the basics. You will remember the ceremony, the vows, the first kiss. You will remember who came, who you shared a laugh, a drink and, most likely, a tearful hug. Focus on bringing meaning into those moments.

Make this dance your own. Dance together as an expression of the synchronization, spirit, love and fun of your new life together.

Dance like there is no one watching,

GoodWitch

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Dear Mrs. Twinkle Toes,

Full disclosure: after hardballing all my vendors, I sent our wedding invites with American flag stamps on them. Got me? So of course I wouldn’t think that your first public glide out together as Mr. & Mrs. should be an audition for So You Think You Can Dance. Ok so get dance lessons if it’ll tame your four left feet and shy nerves, but I say you’re better off doing the junior high gawky slow jam into your new life to your own beat, Fred and Ginger. If you’re really no Bridezilla, why on the dance floor would you let others’ wedding trends lose you this precious, potentially revealing teamwork challenge opportunity? They say men don’t care about weddings — hello?, most of them don’t care about overwrought, unrealistic weddings. Nowadays, very often how a couple starts out together is a real indication of how you will walk through life as a team.

Unless either of your families are the Aileys or Barishnikovs, your fiancé must be kidding himself to even think any sincere celebrant of you two gives a poop…or would dis your skillz, such as they are. Trust me, you’re better off spending half the time you’re inclined to on planning the Big Day, and doubling the time anticipating, planning and then actually preparing for the real partnership event. Honey. If more couples did that, the divorce rate in this country would very probably drop from 50% to 25% right off the bat (and then comes the real work). Think and talk about real decisions that matter: do you both want children (if so, by when, how many?), money (who’s going to handle the house finance admin; what do you expect of each other contribution-wise (e.g., working vs. stay-at-home); and will you mix or match financial burdens, expenses and dividends?), and lifestyle (where will you live, city or ‘burbs; chore division; entertainment; all the way to the fidelity expectations end of the spectrum).

Start off on the real right foot together by considering (healthy debating is fine) these Real Life concerns before they become deal breaking issues later. And yes, over half my adult life later, people are still recalling to us our super yummers cake (!) and how much our unique wedding truly reflected us.

Congrats without the Jazz hands,

BadWitch

==

Image, Christiaan David Photographer

Juicy Coaching for Leaders and Individuals.

Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · Life coaching · de-stress · happiness · life · love · media · relationships · wellness
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Not Your Daddy’s ‘Mad Men’: Working Mom, House Husband

December 22, 2009 · 19 Comments

New American Family v.3.5: mama brings home the bacon, daddy fries it up in a pan, and he never, never forgets he’s his own man. Nice upgrade!  — BadWitch P.S. Happy holidays, lovely readers! We’ll see you back here Monday.


Readers Are Spellbound & Perplexed…

Dear GWBW — My wife loves her job, is very successful and I’m a stay-at-home-dad while I’m figuring out what I want to do next with my own career. My guy friends seem to be telling me to hurry up so I don’t lose my manly edge, do you agree? — Manly Dad

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Dear Manly Dad,

Hey, Mr, Man, are your “guy friends” married, otherwise, what do their relationships look like? If your wife is happy on the home and work front, your family is rolling down the road smoothly with you at that helm from “9-to-5” (yeah right!) then I hope you won’t rush your search at the expense of another valuable experience you might not be able to get back — especially based on advice of those who may not practice what they preach.

I commend you for being uber-manly and supporting your wife’s success without any seeming issues there. Your kids and you will benefit from getting to know each other in a way not always afforded fathers and their children. If you’re genuinely happy about your role and decision to put your family first in all the ways that’s possible to you, I thank you in advance for our society at large! Last but definitely not least, I’m thrilled you’re taking time to explore and develop your own ideas about what career will serve you best. Your guy friends in question must not be doing work they love, or they’d know there’s no hurrying up this process to good effect. Get to know yourself — you’ll be a better husband, father and careerist in the long run for doing that work!

As for that “losing your manly edge” warning your seemingly insecure, scurrying friends brandish, a Real Man will always have an edge even if he were the Michelin Man on the outside.

Man up, be fully you,

BadWitch

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Dear Manly Dad,

In this economy rushing is NOT the right answer. If you are stepping back out into job market—this job market—you need to take the time to really decide where and how you want to step back in. So, no, don’t rush because your boys are threatened by this new definition of “manly” you are presenting them with.

In truth, the job of staying at home with kids is nothing to sneeze at. You are honing patience, multitasking and creativity skills on an hourly basis. You are learning how to work your audience to excite, to quiet, to inspire. And though this may not seem like much, lemme tell you, those new skills are SUPER important in the working world. It’s called PR/marketing training with a little sensitivity thrown in. Clients, coworkers and, yes, bosses, will eat it up. If you jump into sales, oh yes, these are great skills to have.

The fact that your kid(s) have you at home when Mom is working full time, is a blessing. Also for you, already having a working budget with you able to take the time to decide how you will re-enter the job market—huge blessing. Take this time and use it wisely. Work with a coach. Take some time to really decide what you want to do with your career. This time is a blessing. Wring out every ounce of the gift. Then, when yu are truly ready, you’ll be well-prepared for the next stage of your career.

Good luck,

GoodWitch

==

Image, Dr. Timothy A. Pychyl

Juicy Coaching for Leaders and Individuals.

Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · Life coaching · career · de-stress · family · happiness · health · life · love · relationships · self-improvement · spirituality · wellness
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Revenue Enhancement, Cosmetic Surgery?

December 21, 2009 · Leave a Comment

Some people would give their eye-teeth, but this reader wants to get a new nose and teeth.  So while it’s a guaranteed revenue booster — for his plastic surgeon and dentist! — will these cosmetic tweaks improve his own sales career’s bottom line?

— BadWitch

PS See you back here one day earlier on Wednesday.


Readers Are Spellbound & Perplexed…

Dear GWBW — Should I get a nose job and veneers to improve my career? I’m in sales. I do pretty well, but could always do better. — Bottom Line

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Dear Bottom Line,

The ROI on improved teeth and nose work, eh!, not as easily definable a career investment like an MBA/masters, or a computer, but it could be considered a tool of your trade and you always want the sharpest tools in your belt. Having said that, I have no idea if you’re actually any good at being, nor what “doing pretty well” as a sales person means to you. Tools are only as good as the hands they’re in. If nothing else, there’s the potential tax write-off benefit; consult with the right tax professional for you.

A smile is worth a million bucks. Give or take the dollar’s fluctuation, in this economy. No matter whether your smile is your fortune, or just your personal calling card to the world, your smile usually is the barometer of your spirit and how you really feel about yourself. [And for any shy or less confident readers: Fake it till you make it includes smiling and this retrains your thoughts and eventually your brain. Smile your way to more confidence.] So if getting veneers makes you feel more genuinely confident about your choppers, then get them. As for your schnoz, unless it’s a physical impediment (like the most commonly cited deviated septum), or it really, truly keeps you from living your best life — don’t silhouette profile yourself (as lesser than).

I’m not against cosmetic surgery across the board so if you’re concerned about business and revenue, talk to your sales manager and CPA for their take on your individual situation. But if this is a question about how you feel about yourself, then I say work on building your actual self-esteem (and this may include some healthy and real confidence that comes from knowing your smile winningly conveys the real you inside). Otherwise a “quick” fix that comes with post-op black eyes and held together with glue, could just end up being a superficial (and possibly shifting) thing, at best.

First be real…with yourself,

BadWitch

==

Dear Bottom Line,

Why do you think you have to alter you features to be successful? Nose jobs and veneers don’t always improve people’s looks. Case and point: Hilary Duff.

You want to make more money and a better impression on future clients? Self-esteem is the best idea. Confidence is incredibly attractive. I know I’ve said it before, but the truth never changes. We all know the woman or guy who is not necessarily attractive, but has the confidence and charisma to make everyone react like they are cover models. Confidence is beautiful and works better than rhinoplasty in attracting new clients. Need another example, how about Clive Owen. OK looking with skin issues, but considered one of the sexiest man alive because he has confidence and talent out of control. Daniel Craig, another Hollywood Heart throbs, has never let his broken nose slow down his success.

You want success in sales? Start with brain training techniques and affirmations that program you for success. Just as athletes visualize themselves making the shot again and again to program their body memory to make the shot., you need to visualize yourself selling. See yourself bantering with clients easily. See people saying yes to you. See yourself succeeding. Train your body memory to be at ease, confident and selling successfully. Then put on an outfit that makes you feel confident and go work it.

Use that extra cash on more affective marketing—social network and/or traditional. Make sure people know that you are the one to buy that product from. Remember, you can sell yourself to make money, but in the end, you will have crippled your spirit. Frankly, it’s not worth the cost.

Good luck,

GoodWitch

==

Juicy Coaching for Leaders and Individuals.

Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · Life coaching · career · happiness · health · life · self-improvement
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When is In-office Fundraising Out of Bounds?

December 14, 2009 · 2 Comments

Everyholiday season request for donations go up. That’s expected for the Season of Giving, but what if your supervisor asks you to support his kids’ PeeWee endeavors all year long? Giving back some of your mind.     — BadWitch

Readers Are Spellbound & Perplexed…

Dear GWBW — I have a supervisor who always sells crap for his kids’ school. Where’s the line of obligation and suckerdom? — Diabetic Soon

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Dear Diabetic Soon,

Ah!, office politics. Nice. Goes well with pie but little else. If you’re like most people you want to give a token of support to your supervisor, but don’t let this arrangement make you feel like you’ve been taken for a ride personally. Here’s my gently-used donation to you: be straight up with your supervisor. I would gently remind her/him of your salary’s limitations (especially in times like these when everyone’s (including school) budgets have been hard hit) by pointing out that if you supported every good cause you actually wanted to, there’s going to be a car wash to support you that s/he better show up to! Then I would state the annual cap on your willing support – whatever number you want to give and doesn’t impede your budget. If it feels easier for you to break that annual number out to quarterly giving (pre-chat, tally up your last year’s in-office donations and I think you’ll be shocked how much those “small contributions” added up to) then do so, not exceeding your own annual limit. Decide. Commit. Do not allow yourself to feel guilty or ashamed that this amount that you worked so hard for, to give away to support someone else out of your sense of sharing, is too low or “not enough” – remember: zero is a viable option.

If, as you say, this supervisor feels so constantly free to cross the donation line at work, then s/he is either a very gung-ho but tunnel visioned parent, or s/he is A-ok with and willfully leveraging her/his power over you. Water seeks its depth and a supervisor who shows such little common sense or respect tends to languish at her/his own level (except at a company that mirrors such values; another subject).

If all that’s too much for you, then check your employee handbook or ask HR (you don’t have to mention names) what, if any, company policy there is governing in-office solicitations. Then helpfully share this newfound information with your supervisor as a supportive ‘I just found this out, too’-gift. Who knows, maybe s/he actually didn’t know.

All good things within limits,

BadWitch

==

Dear Diabetic Soon,

Well, I must state the obvious. Just because your supervisor is selling doesn’t mean you have to buy. Your boss’ fundraising for his kids school is much needed these days. School budgets have been cut to the bone. I know in my children’s school the amount of volunteer hours has gone up across the board, because the school does not have the resources they did, even last year.

That being said, your donation to the cause is not a requirement of employment. Don’t let guilt—or some misguided attempt to impress your boss—put a whole in your wallet or increase your sugar intake. I’m not suggesting you be a Scrooge, because, as I said, the school’s extra fundraising helps buy books, fund computers and, in some cases, keep sports and arts programs going. However, buy what works for you, not everything.

In donations, like living expenses, create a budget. Know how much you can afford to contribute to worthy causes. Then, decide how much of that you would like to forward to your supervisor’s fundraising activities. Spread out those buys over the year, choosing the one’s that intrigue you. You figure, chocolate can go in a gift basket at the holidays. I remember once we sold holiday candles, which works well for stocking stuffers or funny gifts for co-workers. Believe me, it’s an inside joke they’ll all get.

In others words, the little you do can help a lot. But give from a place of wanting to help, not wanting to suck up. The truth is, we can all tell when someone offers us something in some disingenuous bid to up their ranking. It’s called brown nosing and it’s not attractive. On the other hand, donating from the heart, caring about how the dollars are spent and how they help…that will give you big props with your boss—and karma points too. So, make your budget, then dig a little deeper and give from the heart.

Good luck,

GoodWitch

==

Image, Universal Studios Home Distribution

Juicy Coaching for Leaders and Individuals.

Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · Life coaching · career · de-stress · life · money · self-improvement
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Scrooged! Ghost of Christmas Budget Got You Dispirited?

December 7, 2009 · 12 Comments

It’s baaack! Christmas gift giving season this year is especially challenging for many people. Turns out “budget” may be the new “charge!” Giving with chutzpah from the heart.   — BadWitch

Readers Are Spellbound & Perplexed…

Dear GWBW — My hours at work were cut. I can’t afford the same presents for the holidays as I could before. I know this is stupid of me but I can’t help myself. I’m kind of ashamed. Do you have suggestions for gifts or how I can just relax about this? I know I’m being stupid.    — Less Mistletoe

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Dear Less Mistletoe,

No matter what you celebrate — Christmas, Chanukah, Kwanzaa, Solstice, Yule — there is going to be less greenery for many people this year. With, unemployment estimates at more than 15 million people and the number of cutbacks those lucky enough to keep their jobs, Santa will be delivering more tradition and less goodies. There is no reason to fee ashamed. You are trying your best to provide the best Christmas experience possible for your family.

This does not mean that you can’t enjoy a beautiful and bright holiday. On the contrary there are some great, less expensive ways to make the holiday bright. First off, know your budget. If you are spending money on a live Christmas tree — STOP! Invest in a nice artificial tree that you can reuse year after year. The savings will continue to feed your budget for years to come.

Mix homemade and store bought presents under the tree this year. Granddad and Grandmom will be quite happy with a scrapbook of pictures and art work from the kids. Trust me, big hit. Handmade handbags, pillowcases or sleeping bags for the Barbies are easy to sew and keepsakes you and the kids will treasure. Beaded jewelry, mosaic tiles for the garden, any number of easy to do crafts will delight your present openers.

For store bought gifts under the tree, I suggest online shopping CyberMondays for extra savings and check all brands for rebates before making your purchase. This can save you extra cash on big purchases. Also, check out coupons available online . Do your research. You may find what you want on EBay for less. Check second hand stores like CrossRoads Trading Company for high-end fashion items ready for a second life. Listen, no one will say no to a Kenneth Cole leather jacket in great condition because you found it used for under $40. A good buy is a good buy. Remember the old, “need to know basis” rule. For the most part, your giftees need not know.

Remember, Christmas isn’t about how much stuff you have to give or what you get. In truth, the best present you can give your family is your love and attention. It’s the gift Santa can’t bring that they will remember for years to come.

Happy Holidays,

GoodWitch

==

Dear Mistletoe less is more,

In the immortal words of my late night (TV, that is) boyfriend Craig Ferguson, “If you want to avoid the stress of Christmas, become Jewish.” In the best of times, the commercial holiday gift giving season can suck big shiny ornaments! “They” frame Black Friday as consumers supporting retail businesses supporting America. Really?, for once in your patriotic, generous life why not avoid the usual 11th Circle of Shopping Hell  and just give…of yourself?

I’ve been bestowed with some pretty darn nice gifts over my lifetime, but the ones that immediately pop to mind are the yummy tangerines in a cute (and no doubt inexpensive by the gross) wire basket I still use daily in my schmancy kitchen, and the hand-computer produced calendar another friend made for me. Beautiful!, and although it was gorgeous looking, I’m referring to the personal nature of the gift itself. Hate fruit? Untalented boob? Remember, some of the things we blow off because they come easily for us in life are the high quality gems of genius in other’s eyes. So just think about what comes naturally for you to create, do, enjoy eating, and those probably most accurately represent the authentic you that your friends and family know and love. DIY this Christmas. Write and gild a poem, or bind a short story. Pull together a themed photo CD of pictures taken on your phone camera. Create coupons for services you’re good at, auto repair, tech support, cooking or running time-saving errands. No time like the present. Get it?

Lastly, check your own gift receiving judgment before projecting it on others you’re giving to. Christmas with a budget doesn’t have to be feared.

It’s recess(ion) time,

BW

==

Categories: Advice · Life coaching · de-stress · life · spirituality
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Bad Tipper Comes up Short on Ladies Night

November 5, 2009 · 2 Comments

bad tipYo!, tip to yo mutha. 10%, 15% or 20%? Tipping etiquette: It’s not just a numbers game. When dutch diners don’t agree on what’s appropriate to leave for service, sometimes resentment is one of those dishes best self-served cold.  — BadWitch

Readers Are Spellbound & Perplexed…

Dear GWBW — There is a group of us that goes out to the same place every Friday night for Happy Hour.  One of the individuals in the group barely leaves a tip.  First of all, it’s rude. And it’s a major embarrassment. We love the place and we worry the waiters and waitresses dread our patronage due to this one “bad tipper.” The good witches in our group are brewing and stewing over this.  Do we confront this individual about proper tipping etiquette or continue tipping extra to make up for her? — Bama Babes

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Dear Bama Babes,

Ladies, I feel your pain. A gal in our group used to fight for the entire table’s check and even though I continually outright told her I was uncomfortable having anyone else pay my bill, she paid the entire group tab insistently. Repeatedly. So I stopped fighting her. I was still uncomfortable but, girlfriend, if you’re going to keep paying for me, then…who am I to insult your graciousness? Very soon, she told me her boyfriend told her that I was not cheap (!!!) but clearly never going to pay for the whole group in turn, so she should stop paying for my individual tab. I protested, “That’s what I said!” Hindsight is 20-20: even though I clearly stated I didn’t want her to pay for me, her mind was focused on everyone taking turns paying for everyone else. Don’t assume, be courageous and communicate. Don’t waste energy hating on or ASS-of-yoU-and-ME your friend knows the rules as you’ve set them out silently in your head(s). Tell her straight up, “Girl. We finally did the math. Our little group loves our Happy Hours so much that we just assumed when we split the bill everyone was paying for what she ate plus her full portion of tip (state a percentage here; why not 20% min as it’s common knowledge that hardworking wait staff work for tips) and tax, too. We think it’s a fair way to go, and represents our group well to all the waiters in town. Just wanted to let you know that’s what the rest of us have been doing. Can and do you agree to the rules the rest of us are playing by?” If she says yes, great — cheers to that for the next time out.

But if she says no, then either happily pay for her tip and unconditionally accept her Howard Huges-ness, or tell your waiter when your group is seated, that her bill is to be presented separately and s/he will have no problem with that. This will help your friend learn about good tipping etiquette and the rules of your group’s friendship, plus leave her “conscience” intact — or at the very least, let the wait staff know your group at large is educated on proper tipping etiquette.

Cheers, babes!

BW

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Dear Bama Babes,

There are times in everyone’s life where they must educate others about proper etiquette. Tipping properly (15% at least) shows an appreciation for the services rendered. And since in most places tips are considered part of overall salary, hourly wages can be as low as $3 per hour because tips are expected to make up the remaining hourly wage.

All in all, your friend not tipping properly either leaves you holding the financial burden or leaves the waitperson under paid. Tips are not extras. This is how waitstaff makes rent. 15% at least is standard tipping etiquette. This is well known. If your friend chooses to do less, than this person needs to be schooled.

I would be very clear about the expectation that each person will tip 15% at least on their bill. Let them know that others have been making up the difference on their skewed tipping scale and that it is not fair. I would remind everyone at the table when the bills arrive. This way the person should step up to the etiquette plate, rather than expecting the rest of the group to make up the difference. The truth is if this person cannot afford the cost of the bill plus 15% tip, they should not be going out with the group in the first place. It should be understood that proper tipping is expected.

My dad used to be a renowned horrid tipper. My sister and I would talk to him about it and then check on the bill whenever he picked up the check to inquire about the tip left. My sister gave him a tip chart to make it all easier, as well as very apparent that we were serious. As a former waitperson, I informed him that tips=rent to waitstaff. I am proud to say that we no longer need to inquire. He always leaves 15% unless service is amazing and deserves 20%.

If the issue is bad service — which it doesn’t sound like from your question — talk to management and have it corrected before the end of your meal. Ask for another server. Good service is included in the package you are paying for as a restaurant patron. But definitely do not keep paying for someone who just needs to be educated. Teach, sistahs, teach!

Good luck,

GoodWitch

==

Juicy Coaching for Leaders and Individuals.

Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · life · money · relationships · self-improvement
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Depressed Economy, Depression Nation?

September 7, 2009 · 1 Comment

sad_manHappy Labor Day! I’m the Queen of Irony, right? Will this protracted economic downturn only serve to produce higher GND (Gross National Depression)? Maybe. But you’ve got to believe you can change before it becomes a change you can believe in.  — BadWitch

Readers Are Spellbound & Perplexed…

Dear GWBW — Downsizing is the new black. How do we keep living in style without spending so much money? I’m totally ok not buying, buying, buying like a crack addict but I honestly don’t see how this economic downturn won’t create a depressed nation too. Another link in the fallen empire. Know what I mean? — Conservative Trendster

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Dear ConTrend,

Coach-fucius say: First off, depression is a very serious thing (and I believe depression is not a “disease” to just pop a pill for) — it’s big issues and related emotions repressed and not dealt with over time (two weeks to 40+ years, same diff), come home to roost as lethargy, apathy, or other serious and intense down-in-the-dumps quality of life-detracting symptoms. Good news!, you seem to understand the core issue that is making you feel frustrated, scared, sad and/or all of the above. In other words, you don’t have to be depressed. And neither does our alter ego empire. Rx: Choose to expect better for yourself/us. Change  happens anyway, small steps we want and can commit to take us a very long, long way.

Amuse me. Let’s assume most people accept that life is all about change, and that in fact, most of them aren’t resistant to changing for the better. But that when it comes down to actually making those changes, most of those people make excuses instead. And yet, change stubbornly happens and those who resisted are left feeling cheated and even…depressed.

Crock ‘O Classic Why-I-Can’t-Change: 1) I have no discipline/will power; 2) what I have is good enough for me; 3) I try but then nothing happens, or if it does, it doesn’t stick.

Crock Blockers by Reframing:

1)    Weakness – Up your change chances. Choose only the small changes you’re willing to actually do like give up one cup of CarmelLatteccino/day, and walk to meetings instead of paying $20 to park for 30 minutes

2)    Undeserving – If you earned it (school, work, sacrifice) in life, then you deserve more, and by more I mean better. Don’t show the world you deserve less because you will get it (and by get I mean earn).

3)    Lust for immediate gratification – Act your age not your shoe size. If change were easy, everyone would be happy and perfect and I wouldn’t have anywhere to be smarmy (but helpful). If you’re lucky, life is a long trek. Set yours to be a more optimistic one and consistently make choices to support that goal. Be flexible, things happen. But keep your eye on that goal either way.

Don’t look at “style” being synonymous with spending money. It helps. But if you truly have style, you naturally exude it including how you eat, dress, and live (Your home, Your thoughts). Sweeping change like we’re collectively going through, is as a much-needed Spring Cleaning — update who you are and don’t end up stuck with old lady/man ideas before…ever!

Small steps are sustainable,

BW

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Dear Conservative Trendsetter,

I like to believe this downsizing is not the next link to a fallen empire, but rather the first baby steps toward realigning consumer spending with real values. Consumer confidence has been shaken to the core. Retirement accounts have disappeared and although foreclosure rates and lay-offs are slowing, unemployment is at its highest rate in a generation. It may not be the Great Depression, but this depressed economy is taking its toll. Turn around, however, is possible, though we will not see hiring freezes lifted for some time.

So, for the average American still lucky enough to have gainful employment, I say, don’t go crazy. Spend your money where it matters to you most. If you have a favorite restaurant you want to see after the smoke has cleared, you should be making room in your budget for them now. If you have favored vendors: printers, cleaners, bakery, etc. that you depend on, I suggest you stretch your finances to support them through this economic downturn.

Before things get better, they always seem to get worse. Any parent who has had to potty train a child knows that they regress messy diaper reliance just before they really, truly get it and move beyond diapers forever. So it is, I believe, with the world economy. We have relied on external validation from designer labels and status cars to define who we are. Moving further and further away from the basics of life that offer true satisfaction. Retail therapy has fleeting joy, often followed by guilt and remorse. We are now in withdrawal from retail addiction. As we shake and sweat it out, favoring the places that truly feed us, we are weeding out the detritus. Our downsizing, in my opinion, is helping that process along. That which does not serve us will fall away.

Life is cyclical. Just like plant life, it grows, flourishes and wanes before starting the process over again. We have been here before— 1929, 1983—and we’ve come back. So, now we are hear again. Tighten your belts. Apply the extra in your budget you have to the products, businesses and events that feed your soul—the ones that make you happy, fill you with energy and inspire you. In this way, you help reshape the economy and culture we recover from this financial crisis. Remember, crisis is opportunity. Don’t believe the hype. See the issues. See the possibilities and act accordingly.

Happy shopping,

GoodWitch

==

Juicy Coaching for Leaders and Individuals.

Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · Life coaching · de-stress · happiness · life · money · self-improvement · spirituality
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Saving Grace…Some Money

August 10, 2009 · Leave a Comment

imagesWe don’t know anyone who isn’t looking to save money where they can. Some of us Know How in the business budgeting area, some of us at the supermarket. Here’s to clipping costs and saving lifestyle.    — BadWitch

Readers Are Spellbound & Perplexed…

Dear GW/BW — Are the people who come out of the grocery store saving bazillions of dollars in league with the devil? I’ve read and watched things that try to explain what their system is, but am still lost. I’m asking how do I save money but not drop my standard of living too much? — Not Savvy Shopper

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Dear Not Savvy Sistah,

My best dish is when, “I make reservations,” my idea of shopping smart is, “Know what you want, get outta there,” and I basically get chewed out by the cooking whiz hubby, “Don’t you know what brand I buy by now?” (A.: Uh helloo?, they should make the label a different color…). So while I’d love to shine my divine light of wisdom on your dilemma, I, too, am flabbergasted as fascinated by watching those people in line at the store with their little coupon folders in hand, and those others who have kitchen drawers full of “savings systems.” Whaaa–? Here’s me helping you by letting someone else go the heck ahead.

10 Items or Less czarina,

BW

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Dear Not Savvy Shopper,

Honey, deals are to be had! Now, I must say, you have to do a little homework ahead of time, but the cash in hand is sooooo worth it. Just today, I saw a man walk out of the store with two bags of groceries which included 2 packs of chicken for—wait for it—less than $17.00! Even I, the consummate bargain shopper, was impressed.

So, how to bag those deals? Start by knowing what you need. Write out your shopping list. Then, go online for coupons. Stores like Safeway offer online coupons, as well as savings guide for your local area. If the coupon or savings fit your shopping list, you’ve got savings. There are online coupon sites like CouponCabin which have been featured on NBC and offer coupons for retail, grocery stores and even restaurants.

But the real secret to savings? Buy only what you need. Coupons can suck you in as fast as any “Sale” sign. Next thing you know you’ve got a cart full of Ho-Ho’s because you can save 25¢ a pack. That’s not really saving—or healthy.

After coupon cutting from local newspapers and online, look for the best sales at local grocery stores. If you know you eat a lot of chicken and see organic chicken on sale at a particular store, head to that store and buy a few packs. You can freeze it and save for meals to come. (I say organic chicken because it really does make a difference in taste and healthfulness. But that’s another topic).

I shop at a few different stores. Some stores, like Target, are great for staples like paper towels and napkins, while other stores like Trader Joes always have low prices for organic, healthy foods. Of course, TJ’s does not have many coupon friendly products, but any store that can sell palatable wine for $2 (fondly known as Two Buck Chuck) is worth laying down the scissors for. I can honestly say my best has been two full bags of groceries with a weeks worth of food for 3 people at $40. Not $17, but, my bag was filled with more healthy foodstuffs and, of course, Mommy calming vino.

Keep your eyes open. The bargains are there—no soul selling contracts required.

Happy shopping!

GoodWitch

==

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Mondays money, work, purpose dilemmas. Thursdays family, relationships, love dramedy. Send your FREE brewing questions on how to thrive—not just survive— modern life to: coaching@stillsitting.net.

© 2009 ManifestGroup. No materials may be used without expressed written permission.

Categories: Advice · Life coaching · life · money
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