Security!

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From MS Tech

If you don’t have two-step verification on your email and social media accounts, I strongly encourage you to do it now! It’s an easy guard against fraud.  I realized that I have not done this because I my financial accounts have not been violated. But that’s dumb…why wait for it to happen?

If you have a Google account, go here: https://www.google.com/landing/2step/

Follow the directions. It’s easy!

On Facebook, go to Settings.

Under Security and Login, you’ll see:

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Click on edit and follow the directions. It’s easy and well worth the security you’ll have.

Adding another layer of security to your online accounts is free and easy. It will add just a few seconds to log in, but is nothing compared to the time and expense of recouping your identity and credit if breached.

 

 

 

Bullet Journal and Financial Tips

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Thought I’d take a chance and be vulnerable. Share.

Above, my journal entry for yesterday and today.

Below, my financial tips that have helped my husband and me reach our goal of $1,000,000.

I know it’s totally taboo in America to talk about salary and net worth. But I really want to help people who struggle with money. 

I’m a teacher, for Pete’s sakes.

I don’t make a lot, but I also don’t spend a lot. I started my career in radio and I made $17,000 a year. I ate pasta for breakfast, lunch and dinner until I developed a food allergy. Of course, I was unable to save for retirement during that time. I don’t have regrets: I met Gloria Steinem (she’s a goddess!), the lead singer of Simply Red (he was a jerk) and Lou Diamond Phillips (swoon)!  I befriended Steve, our Program Director, who encouraged me to be a writer. So, I don’t regret that year, but it was an entire year that I did not save or invest money.

My next job: administrative assistant in a money managing firm. Wow, did I learn a lot. I learned about stocks and investing and I started my 401K.

There are two things I recommend you do ASAP:

  1. Start a financial spreadsheet with every asset you own…how much you own. Also, keep track of your debt (credit cards, mortgage, etc.) and make a plan to pay them off immediately.
  2. Another Must Do: start an IRA. Contribute to your company’s 401K.

If you can, find an excellent financial advisor. We did this and I attribute much of our success and wealth to him. You’ll need to do research and be financially savvy. NEVER simply hand over your finances to someone. ALWAYS know what is going on with your money! And don’t be shy about telling him/her what you want to sell and what you want to purchase.

Owe Vs. Own

Guess which one you want to grow?

Maybe you have a lot of debt. Maybe you have no debt but very little savings. Whatever you dream for yourself, you can do it! Just make a plan and begin.

Sunday Suggestion

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My high school daughters pack lunches instead of buying school lunch. They have no access to lockers, so they have to carry everything all day. Tupperware takes up a lot of space in their backpacks and this year, they told me they don’t want to use bulky plastic containers anymore. They requested disposable sandwich bags.

This, when I told myself I wouldn’t buy those disposable baggies anymore. They’re bad for the environment! They’re wasteful!

So, I just purchased two sets of these:

Wegreeco Reusable Sandwich & Snack Bags – Set of 3 – (Odyssey)

It’s $11 for a set of three. It saves you money. It’s better for the environment. It’s stinkin’ cute. Do you need any other reasons to ditch the plastic ziploc bags and use these instead?

 

 

 

 

I’m a Teacher, Not a Martyr

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Mr. Wright is leaving. He’s my daughters’ high school orchestra teacher. Everyone is deeply saddened because he’s an exceptional teacher and person. In fact, he just won the district’s exemplary teacher’s award. His students were crestfallen – he’s such an amazing teacher! This is his dream job. So why is he leaving?

Because he can’t afford to stay: His wife stays at home and he has children he must support and can’t with a teacher’s salary.

This is wrong.

One of my co-workers is a single mom and her two sons are not covered under health insurance because she can’t afford it. Every sniffle, ache and potential accident gives her great cause to worry.

This is wrong.

Arizona has been identified as the worst for teacher pay and teacher friendliness by at least two separate studies. More teachers are leaving than entering with each year. Even substitute teachers are in great shortage.

This is wrong.

It’s time to make things right in Arizona’s education system. You can ignore the symptoms of any illness, but that doesn’t mean it will go away.

Your Checking Account

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The poor, misunderstood ostrich!

The “head in the sand” saying originated as a reference to ostriches hiding their heads in the sand. It alludes to a belief that if you can’t see a predator, they can’t see you. Or, more figuratively, that you refuse to see a problem. However, ostriches do not do that. They lower their heads to eat, but they don’t hide in bushes or in sand.

Another misfortune for the ostrich: though they are birds, they cannot fly.

However, they have such strong legs, that they can kill a lion just by kicking him! (Kids National Geographic) In running, their stride can be as long as 16 feet and – they are the world’s fastest land animal.

Did you know that the ostrich’s eye is the largest of any land animal? (awf.org)

I listened to a podcast the other day. One sentence big takeaway: “If you want to know where your priorities are, take a look at your checking account.”

I realized I spend quite a bit on groceries and dining out. I love animals and I want to help, so I just made a donation to the African Wildlife Foundation. They are accredited by the BBB. I invite you to consider acting on your “priorities.”

Locals: There will be an Ostrich Festival in Chandler, AZ March 9 – 11!