notes from
the MUCK . . .

How does your garden grow? With muck, muck and more muck! I spent much of today finishing the final muck box and then shifting muck from one box to the next. The first box, which the Big Lad is enthusiastically pointing out, has been rotting down for two years now and once we’d removed the top quarter of unrotted material, we found we’d hit the pay dirt.

Thursday, November 26, 2009

Over-night Grown Up

Today I had an epiphany - I want financial stability. As in, I don't want to simply go through life doing whatever I please while expecting financial stability to fall into my lap. No, I want to pursue financial stability as a goal. Proactively. But how will I reconcile this with my longstanding commitment to be passionate about my career and devote my time to creative endeavors?

Surely there is a way. What I don't want to do is work a low-paying day job, and live the starving artist lifestyle, while patting myself on the back for never selling out.

I've thought hard about opening a small business. I'd still love to start a small production company, but getting the start-up money is a major problem. I suppose my only choice is to work on it part-time until I can afford to take the leap. Unless I find a resourceful business partner. In the meantime I suppose I will continue to work my way up the ladder in the Production Office. And that, my friends, might mean that I am destined to turn into the dreaded thirty year old PA for a spell.

But securing a regular and fulfilling income is only half the equation. The other half is on the expense side of things. I need more discipline when it comes to saving money. I'm good about not using my credit card except for major purchases, and my current balance is manageable. What I'm bad at, however, is saving money on the little things. I buy way too many soy lattes, I never use coupons, I eat out too much, and I spend a lot of my precious cash on books and alcohol.

What are some of your tips for living a debt free, financially secure lifestyle? I mean, I don't want to be broke in my thirties so something's gotta change. Health insurance would be nice too. As well as some savings for a house or emergencies.

My current dilemma: I came into a small sum of extra cash recently and don't know whether to live off of it or put it towards my credit card balance. Normally I would attack the balance, but I haven't had a real income in six months and I literally have no clue where the next paycheck will come from.

Any advice? Are any of you Muck readers particularly responsible with money?

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