Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

It's Not The Circumstances, It's You!

Monday, February 22, 2010


Do you feel frustrated by the state of the economy, your present weight, your job? Do you find yourself making excuses or blaming others for why you are in your present situation or circumstances? We've all been there and sometimes we recognize our actions more than other times. The great news is we are all capable of more and changing so we can take control of and better our lives.

Imagine what your life could be like if you stopped blaming your circumstances on other people and things and took responsibility of your own life. In Oprah's most recent e-newsletter, Mike Robbins gives you the tools you need to take control of your life and become more aware of your experiences.

Last year I subscribed to Oprah's Spirit Newsletter, while I don't read every single one, often I find some great little gems. Today, I wanted to share this topic with you because it affects ALL of us and determines how we live our life, experience our days and interact with those that we love.

This is a piece worth reading and reflecting upon inwardly. Since they are the words of Oprah's people and not me, I thought I'd create a link, you can read the full article HERE.

I also love this quote (which is also in the article) by Ben Franklin:

"Joy doesn't exist in the world, it exists in us." 

That is so empowering! How many times do we think about what we want, and sometimes feel sad when we cannot have it? That quote is proof that no matter what your circumstances, financial situation or present age, we are all capable of being completely happy and filled with joy, but it is our choice to bring that feeling and experience forth!

In a similar vein, I love this quote by spiritual teacher Byron Katie:

"The definition of insanity is thinking that you need something you don't have. The mere fact that you exist right now without that which you think you need is proof that you don't need it."


Before blackberries, iPhones, microwaves, laptops and big shiny SUV's came into our lives we got along just fine. We are always capable of living on less than we think or living without things we believe we need, it's just a matter of our comfort level and decision to do so.

Oprah's article really resonated with me as I can see some of these little things in my own life and the lives of my close family. I also realized that growing up, some of their thoughts and beliefs about circumstances shaped my life at an early age. Some great, some not so great.

I've definitely been guilty of that, in my own mind I had built up reasons why I haven't completed certain projects in our home or haven't spent more time at the gym. The truth is that I just didn't make time for it in the past. Nobody and nothing else helped me make those choices. I chose to do other things instead, it's my own fault and only I can make the changes I want to see happen. You might remember, I had a little wake up call a few weeks ago and realized that facebook was a contributor to some of these areas, as it can be a huge time sink. However, it is my discipline in using such social media tools and not the tools themselves that were the problem. Taking some time away however by de-activating my account for now, was just the discipline I needed in order to refocus and make my priorities exactly that.

Is there anything in your life you've felt as though you need (and can't presently have) that you truly know you can live without? Have you felt as though you've been blaming your circumstances, lack of motivation or results on someone or something?  Feel free to share anonymously if you like.

Have an awesome week!

Saavy Sunday Shopping at JC Penney

Sunday, August 16, 2009



I was inspired to do a little shopping today after receiving a JC Penney coupon in our weekly circular. It is essentially a $10 gift card as long as you purchase that amount or higher. There were some brief restrictions including fragrances, cosmetics, etc., but I wasn't going to pass this one up! I've used these coupons from them two other times, one time I purchased clothing and the last time it was jewelry.


I am on a budget at the moment as I am planning my next trip to visit my family and friends back home, so I'm quick to find sales for things I need. I also try to stay out of stores in general if I know that I'll find things that I can't afford to be spending money on at the moment. Hence, today's sale shopping.


Classy women don't spend money that they don't have. It is especially important in these economic conditions to be responsible and in control of our finances. That doesn't mean however, that we can't enjoy some fabulous finds at steep discounts along the way. The key is to master the art of using coupons, taking advantage of sales and clearances and remembering to bring those saved up gift cards to the store with us. That is why I'll be releasing a second book in early 2010 that will specifically focus on saving money without sacrificing the style you crave. It is a must read for anyone who dreams of the champagne lifestyle, but on a tap water budget. More to come on that later.


As an example of the types of sales I typically frequent, I wanted to show you what I got with my coupon today. I always try to stay as close to that $10 price point as possible so I can capitalize on the savings and only wind up paying tax. Luckily for me, there was a 30% off jewelry sale today too, so I got to use both the sale and the coupon!


The photo above is of my new chandelier earrings that I bought for only $2.77!! Below is another glimpse still in the packaging with discount info below:




Regular JC Penney Price: $18.00

Subtract 30% Discount: $12.60

Subtract $10 Coupon + tx: $2.77



Don't let my mediocre photos fool you, these sparkle and shine! I love them and can't wait to wear them soon. I can dress up a semi-casual look for evening or wear them with a cocktail dress.

Look out for JC Penney flyers that contain these coupons, they run this offer several times per year, especially during the holiday season.


I love sharing money-saving ideas and tips with others. Do you have any great deals you recently snagged or special sale tips?  Feel free to share them!


Happy Sunday,