How to Find Fulfillment - The Secret to Happiness | Karen McGregor | TED...

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Why Journal?

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Why do I, and other debt coaches like me, advise you to keep a spending journal? What is the benefit of that? It isn’t only for you to see where your money is going but also so you will start to think before you spend. If you know that there is a record of every cent you spend, somewhere it is going to be listed that you spent money you didn’t have on something foolish, you may stop yourself. Even if you are the only one who sees it, you may stop. Or course, you   could just not record it but that would be lying and you don’t want to lie to yourself. Another advantage of keeping a spending journal is when you also record how you are feeling when you want to spend money (or do) you may be able to find your triggers. Did you just get into a fight with your significant other and now want to go out and spend a lot of money? If you have sat down and wrote in your spending journal about this experience – the fight, the feelings it brought up and the desire to buy...
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Bringing Us to Today

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Did you know that at one time, companies could change the title of a job so they could pay a woman less than a man? A court case in 1970, Schultz vs Wheaton Glass, changed all that.                        In 1972, Katharine Graham became the first female CEO of a fortune 500 company. 1974 saw the passing of the Equal Credit Opportunity Act. Until this time, banks required a woman to bring a man with her to co-sign any credit application. It didn’t matter what her income was and a bank could disregard some of it. Sometimes up to 50% of her income! A year later, the first woman-owned commercial bank opens in New York City – appropriately named the First Woman’s Bank. In Ireland in 1976, women were finally able to own their own homes outright. The Pregnancy Discrimination Act passed in the US in 1978. Now an employer couldn’t fire a woman just bec...
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To Save or Not To Save

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I posed the question in my Facebook group, Reduce Debt, Revive Dreams, of whether you should pay your debt off first or save money. Most of the people who responded were in favour of paying the debt off first. And that is a good strategy. After all, with debt you are paying interest, you are paying more money so paying the debt off faster makes sense. Right? Yes and no. Paying your debt off faster will save you money in interest payments. But what happens if you have an unexpected expense and don’t have funds available to pay for that expense? Whatever are you going to do? Delay paying for the expense until you save the money? Alternatively, put the expense on a credit card? Probably the latter, right?   Now if you had savings, you would be able to take some of that money to pay for the unexpected expense. Then you would just have to work to replace the money taken from savings. In fact, Dave Ramsey advises you have a savings of $1,000.00 before taking dr...
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