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.

Call for (Graduation) Interviewees

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Hello everyone, I am conducting research on high school and college retention. If you know anyone who is the first to graduate from high school or college in their family, I’d like to interview them.

Please complete the form below and I will contact them

Thank you very much!

Sincerely,

Caroline Chung-Wipff

Quiet Hero

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Tuesday Doodle

She shuffles to the register

her head, cocked slightly, shakes

The customer, in his sports gear, looks on

irritated, he tries to rush her with his eyes

 

But she’s unmoved – stiff, slow and careful

her quivering hand cradles his produce

she glides it over the scanner gracefully

he searches the ceiling for . . . . . . . . . . . . . mercy?

 

He jams his card in the chip reader

the receipt trembles in mid air

he grabs it from her, forcefully smirks

and mutters as he walks away

 

She doesn’t see this

because she’s smiling and nodding

at the next customer

her rebellious body complies unsteadily

 

for now

 

 

 

 

 

Stop Running (Mindlessly)

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To run on a hamster wheel means to do things without thinking and without an end in sight. It’s a lack of presence.

“How can you tell if you’re on The Hamster Wheel? Your focus narrows and becomes singular. You get reactive instead of proactive. You’re not breathing deeply. Your shoulders are tense. Your jaw may be gripped. Your heart is beating fast and you feel frantic. You experience chronic fight or flight syndrome, your adrenaline is pumping like crazy. You stop really ‘seeing’ people and they start to become objects.”

By Karen Kimsey-House

Click on the author’s quote above for tips on how to stop running on the hamster wheel.

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I’m trying to make my morning run the only time I “run” throughout my day.

 

Slow and Sure

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Snail doodle

Tonight, our school will hold an Awards Night to recognize students for exceptional GPAs, Service Work and other academic accomplishments.

Not one student will receive recognition for work achieved in a day or a week. These kind of successes require dedication throughout the school year.