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<!--Generated by Squarespace Site Server v5.11.5 (http://www.squarespace.com/) on Mon, 06 Sep 2010 18:42:01 GMT--><rss xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:dc="http://purl.org/dc/elements/1.1/" version="2.0"><channel><title>Blog</title><link>http://www.save-9.com/blog/</link><description></description><lastBuildDate>Wed, 04 Aug 2010 23:34:20 +0000</lastBuildDate><copyright></copyright><language>en-US</language><generator>Squarespace Site Server v5.11.5 (http://www.squarespace.com/)</generator><item><title>The OTHER thing financial advisors forget to mention (or don’t KNOW)</title><category>Financial Planning</category><category>Investing</category><dc:creator>Mindy</dc:creator><pubDate>Wed, 04 Aug 2010 23:32:17 +0000</pubDate><link>http://www.save-9.com/blog/2010/8/4/the-other-thing-financial-advisors-forget-to-mention-or-dont.html</link><guid isPermaLink="false">261109:7125319:8458123</guid><description><![CDATA[When I mentor other advisors, a lot of times I see that they are using 10-12 percent rates of return for the stock market.  Certainly this isn’t accurate for the past ten years, but the argument I often hear to justify those rates is that they are averaging overall returns over the long term—over 20, 30 years or more.]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8458123.xml</wfw:commentRss></item><item><title>Codependency and Money</title><category>Budgeting &amp; Saving</category><category>Mindset</category><dc:creator>Mindy</dc:creator><pubDate>Wed, 04 Aug 2010 21:54:20 +0000</pubDate><link>http://www.save-9.com/blog/2010/8/4/codependency-and-money.html</link><guid isPermaLink="false">261109:7125319:8457396</guid><description><![CDATA[I think most people understand that spending money ineffectively can be about an addiction, but recently I discovered that destructive behaviors with money are also closely linked to codependency, which at a high HIGH level means you think either you’re responsible for everything that happens (giver) or your responsible for nothing that happens (taker).  The most common usage of this term is for partners who enable their spouses in their chemical addiction.  We rarely think about enabling behavior around money.]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8457396.xml</wfw:commentRss></item><item><title>If I’m not in debt, should I have a budget?</title><category>Budgeting &amp; Saving</category><category>Mindset</category><dc:creator>Mindy</dc:creator><pubDate>Wed, 04 Aug 2010 21:50:29 +0000</pubDate><link>http://www.save-9.com/blog/2010/8/4/if-im-not-in-debt-should-i-have-a-budget.html</link><guid isPermaLink="false">261109:7125319:8457342</guid><description><![CDATA[Sometimes people ask me, “If I’m not in debt, should I have a budget?”

I say yes.  Your spending habits are your greatest clue to tell if something is dysfunctional in your family dynamic or individual behavior.  You might not be damaging your financial situation, but if you’re blind to the issue, you could be hurting your family or yourself.]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8457342.xml</wfw:commentRss></item><item><title>My Personal Budgeting Anecdote</title><category>Budgeting &amp; Saving</category><category>Mindset</category><dc:creator>Mindy</dc:creator><pubDate>Wed, 04 Aug 2010 21:46:31 +0000</pubDate><link>http://www.save-9.com/blog/2010/8/4/my-personal-budgeting-anecdote.html</link><guid isPermaLink="false">261109:7125319:8457308</guid><description><![CDATA[Now that I have encouraged you to track your spending on Mint, I’d like to tell you how tracking my spending helped me.  I used to have a coffee habit – I know, shocking, considering I live in Seattle!  I used to have a fancy coffee drink once a day, sometimes twice a day.  I was never spending fewer than $5 per day on coffee.]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8457308.xml</wfw:commentRss></item><item><title>Pictures of Yummy &amp; Noki</title><category>Personal</category><dc:creator>Mindy</dc:creator><pubDate>Wed, 04 Aug 2010 21:25:29 +0000</pubDate><link>http://www.save-9.com/blog/2010/8/4/pictures-of-yummy-noki.html</link><guid isPermaLink="false">261109:7125319:8457171</guid><description><![CDATA[<p>This isn't really about financial planning, just wanted to show off the newest additions to the family!&nbsp; Meet Noki, my gray tabby who LOVES the the indentation where the cushions meet on the couch . . .</p>
<p><span class="full-image-block ssNonEditable"><span><img src="http://www.save-9.com/storage/2010_08_Noki.JPG?__SQUARESPACE_CACHEVERSION=1280957192727" alt="" /></span></span></p>
<p>And Yummy, who is always ready for a game!</p>
<p><span class="full-image-block ssNonEditable"><span><img src="http://www.save-9.com/storage/2010_08_Yummy.JPG?__SQUARESPACE_CACHEVERSION=1280957272280" alt="" /></span></span></p>
<p>Noki likes to follow Yummy around like a little sister, and she always wants to wrestle . . .</p>
<p><span class="full-image-block ssNonEditable"><span><img src="http://www.save-9.com/storage/2010_08_YumNok.JPG?__SQUARESPACE_CACHEVERSION=1280957313632" alt="" /></span></span></p>
<p>&nbsp;But sometimes it gets old for Yummy, so she has to get a little grumpy!</p>
<p><span class="full-image-block ssNonEditable"><span><img src="http://www.save-9.com/storage/2010_08yumnok.JPG?__SQUARESPACE_CACHEVERSION=1280957353073" alt="" /></span></span></p>
<p>&nbsp;</p>
<p>&nbsp;</p>]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8457171.xml</wfw:commentRss></item><item><title>The Difference Between A Money Coach &amp; Financial Planner</title><category>Mindset</category><category>Service Providers</category><dc:creator>Mindy</dc:creator><pubDate>Wed, 14 Jul 2010 23:15:37 +0000</pubDate><link>http://www.save-9.com/blog/2010/7/14/the-difference-between-a-money-coach-financial-planner.html</link><guid isPermaLink="false">261109:7125319:8256506</guid><description><![CDATA[<p><object width="480" height="385"><param name="movie" value="http://www.youtube.com/v/z0XP_1GOVoc&amp;hl=en_US&amp;fs=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/z0XP_1GOVoc&amp;hl=en_US&amp;fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="385"></embed></object></p>]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8256506.xml</wfw:commentRss></item><item><title>Working With Me</title><category>Financial Planning</category><category>Service Providers</category><dc:creator>Mindy</dc:creator><pubDate>Thu, 08 Jul 2010 00:07:20 +0000</pubDate><link>http://www.save-9.com/blog/2010/7/7/working-with-me.html</link><guid isPermaLink="false">261109:7125319:8201365</guid><description><![CDATA[<p><object width="480" height="385"><param name="movie" value="http://www.youtube.com/v/Z4vnt4BXD3w&amp;hl=en_US&amp;fs=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/Z4vnt4BXD3w&amp;hl=en_US&amp;fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="385"></embed></object></p>]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8201365.xml</wfw:commentRss></item><item><title>Angry Birds</title><category>Mindset</category><dc:creator>Mindy</dc:creator><pubDate>Wed, 07 Jul 2010 23:47:16 +0000</pubDate><link>http://www.save-9.com/blog/2010/7/7/angry-birds.html</link><guid isPermaLink="false">261109:7125319:8201230</guid><description><![CDATA[I consider myself fairly intellectual (some may see that as deluded!).  I have more than one degree . . . I have a better-than-average knowledge of literature, theater, Star Trek and cinema . . . not to mention business.  This means I don’t spend any time gaming, online or otherwise, because I always have something else to do.  Even when I was a teenager, I never got into any of the gaming systems. I prefer a game of Scrabble over most anything electronic.]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8201230.xml</wfw:commentRss></item><item><title>Unattachment to Outcome, Make-Up and Thigh Masters</title><dc:creator>Mindy</dc:creator><pubDate>Wed, 02 Jun 2010 11:21:21 +0000</pubDate><link>http://www.save-9.com/blog/2010/6/2/unattachment-to-outcome-make-up-and-thigh-masters.html</link><guid isPermaLink="false">261109:7125319:8037798</guid><description><![CDATA[<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri">Self-employed people often believe that we can plan and calculate and invent the perfect way to create tons of money.<span style="mso-spacerun: yes">&#0160; </span>Then we put our blood, sweat and tears into what we see as an awesome income stream, and sit back and wait for the money to roll in.<span style="mso-spacerun: yes">&#0160; </span><o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>Only it doesn’t.</strong><span style="mso-spacerun: yes">&#0160; </span>When we decide that we want to make X amount of money from X revenue source, that is ATTACHMENT.<span style="mso-spacerun: yes">&#0160; </span>In my life, any time I have focused in on one thing and proclaimed, “THIS is what will make me a millionaire!” I can be sure that it won’t.<span style="mso-spacerun: yes">&#0160; </span>The reason is that I am TOO attached and have TOO MUCH emotion around the initiative, and if things don’t go EXACTLY as I planned, then I freak out and feel terrible.<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>The BEST times in my life for making money</strong> have been when I wasn’t too focused on it—I remember thinking once several years ago, “Wow, I’m not really doing anything and I’m getting clients, how weird is that?” I was in the zone, not worrying about the business because I had other interests and distractions, which helped me be relaxed and approachable to people seeking my services.<span style="mso-spacerun: yes">&#0160; </span>Instead of the stalker-y, control freak that I know I can be when I get worried about something.<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>For non-self-employed people,</strong> the attachment ends up being on the purchasing side of things.<span style="mso-spacerun: yes">&#0160; </span>Once, I wanted to overhaul my entire makeup supply with Laura Mercier stuff . . . somehow, I had decided that her makeup was THE SOLUTION to perfect, can’t-tell-it’s-there-but-look-amazing makeup application.<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>I got this in my head when I was travelling for three weeks,</strong> so I couldn’t WAIT to get home and buy this stuff.<span style="mso-spacerun: yes">&#0160; </span>I was seriously obsessed.<span style="mso-spacerun: yes">&#0160; </span>When I got home, I couldn’t justify buying more makeup until I used up my current foundation and powder (see?<span style="mso-spacerun: yes">&#0160; </span>I can be responsible and insane at the same time).<span style="mso-spacerun: yes">&#0160; </span>Finally, the day came, and I went to Nordstrom, marched up to the Laura Mercier counter and said to the make-up lady, please make me over, I want everything.<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>So, she did.</strong><span style="mso-spacerun: yes">&#0160; </span>She used enough eyeliner to make me look like a raccoon, which should have tipped me off that this wasn’t in perfect alignment, but I squelched whatever misgivings were coming up.<span style="mso-spacerun: yes">&#0160; </span>I bought about $500 worth of makeup and went home to start unpackaging it, organizing it and generally start bonding with it.<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>Only the bonding never really came</strong>.<span style="mso-spacerun: yes">&#0160; </span>Sure, there were some good products in there, but where was the magic stuff that was going to completely change how I looked?<span style="mso-spacerun: yes">&#0160; </span>Why isn’t the tinted moisturizer making me look 21 again?<span style="mso-spacerun: yes">&#0160; </span>Also, this blush wasn’t getting me any more excited than I usually was to actually WEAR blush.<span style="mso-spacerun: yes">&#0160; </span>And . . . if there is a woman out there who <span style="text-decoration: underline;">consistently</span> uses and eyebrow pencil or powders, I’d like to know!<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>What I took from this experience</strong> was that NO SPECIFIC PRODUCT was ever going to make my life better.<span style="mso-spacerun: yes">&#0160;&#0160; </span>There are things you can do at every price point to fix a problem or fill a need, and the minute you start to obsess on ONE WAY that your problem should be fixed, you’re too attached.<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>The easiest way to combat this</strong> is to give yourself a timeout.<span style="mso-spacerun: yes">&#0160; </span>Many people have something akin to a gun purchase waiting period that they invoke for any purchase over $150 (that aren’t groceries or household items).<span style="mso-spacerun: yes">&#0160; </span>This cuts down on knee-jerk spending.<span style="mso-spacerun: yes">&#0160; </span>My wait for Laura Mercier didn’t count, because I never went and assessed the reality first.<span style="mso-spacerun: yes">&#0160; </span>My waiting period should have been directly AFTER the makeover.<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>Another tactic you can use</strong> is brainstorm alternate ways that you can fill this need.<span style="mso-spacerun: yes">&#0160; </span>Can you borrow one?<span style="mso-spacerun: yes">&#0160; </span>Is there something on Craigslist that will work until you know you’re going to use it?<span style="mso-spacerun: yes">&#0160; </span>I have a friend who has mastered frugality, and when his wife wanted a Belgian Waffle iron, he said she could only buy one that she found in Goodwill or on Craigslist—in other words, not new.<span style="mso-spacerun: yes">&#0160; </span>It was sort of fun for her to look, and there were dozens of people like me who were on the lookout for it, so she got one in almost zero time at all!<span style="mso-spacerun: yes">&#0160; </span><o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><span style="LINE-HEIGHT: 115%; mso-bidi-font-size: 16.0pt"><font size="3"><font face="Calibri"><strong>So, the next time you’re watching infomercials</strong> and feel compelled to purchase a Thigh Master, remember that there are TONS of ways to slim your thighs that cost nothing (for one, stop watching infomercials and go for a walk) so if you feel yourself becoming attached to a thing that you feel you MUST buy, remember to ask yourself, “How would a person behave or solve this problem if this specific thing wasn’t available to buy?”<o:p></o:p></font></font></span></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><font face="Calibri" size="3">You might end up getting specifically what you wanted, or you might find an alternative that leaves you just as satisfied.<span style="mso-spacerun: yes">&#0160; </span>Either is fine—and that’s unattachment!</font></p>]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8037798.xml</wfw:commentRss></item><item><title>Unattachment When There Is Not Enough Money</title><dc:creator>Mindy</dc:creator><pubDate>Wed, 02 Jun 2010 11:19:01 +0000</pubDate><link>http://www.save-9.com/blog/2010/6/2/unattachment-when-there-is-not-enough-money.html</link><guid isPermaLink="false">261109:7125319:8037809</guid><description><![CDATA[<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><font face="Calibri" size="3">I am not usually super-duper open about money struggles that I experience, but I recently had a couple of epiphanies about money.<span style="mso-spacerun: yes">&#0160; </span>I had always thought that I had a good handle on money, but I never understood how people were supposed to remain unattached to less income than they needed.<span style="mso-spacerun: yes">&#0160; </span>You need to pay the bills, right?<span style="mso-spacerun: yes">&#0160; </span>Otherwise, you’re screwed.<span style="mso-spacerun: yes">&#0160; </span>And how are you supposed to feel secure when you have no money?<span style="mso-spacerun: yes">&#0160; </span>I thought money was security.</font></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><font size="3"><font face="Calibri"><strong>My first epiphany was thanks to <a href="http://www.thework.com/index.php" target="_blank">Byron Katie</a>.</strong><span style="mso-spacerun: yes">&#0160; </span>She engages a person in a line of questioning that can be VERY IRRITATING if you’re attached to whatever issue you’re working on.<span style="mso-spacerun: yes">&#0160; </span>So when a person says “I need more money” she asks, is it true?<span style="mso-spacerun: yes">&#0160; </span>Is it really true?<span style="mso-spacerun: yes">&#0160;&#0160; </span>. . . and I always thought, this is simple math, of COURSE a person running at a deficit needs more money!!<span style="mso-spacerun: yes">&#0160; </span></font></font></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><font face="Calibri" size="3"><strong>But I finally got it.</strong><span style="mso-spacerun: yes">&#0160; </span>Most of the time when people make the statement “I need more money,” they are projecting themselves into a future situation where bills are due and they have no money to pay them.<span style="mso-spacerun: yes">&#0160; </span>This is total fiction; just because you can imagine something happening a certain way doesn’t make it so!<span style="mso-spacerun: yes">&#0160; </span>So when you do that, you’re lying to yourself because you are not accounting for changes to your situation or any outside intervention.</font></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><font face="Calibri" size="3"><strong>Let’s take the scarier example:</strong><span style="mso-spacerun: yes">&#0160; </span>You DO have a bill that’s due and no means to pay for it.<span style="mso-spacerun: yes">&#0160; </span>For this to feel better, you have to pull yourself into the present moment and ask yourself, “Right this very moment, do I need more money?”<span style="mso-spacerun: yes">&#0160; </span>If you break things down to the present moment, you suddenly realize that at the present moment, you’re FINE without more money.<span style="mso-spacerun: yes">&#0160; </span>Even after a bill is late.</font></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><font face="Calibri" size="3"><strong>Most people worry BEFORE the bill is due,</strong> and then worry AFTER the bill is late.<span style="mso-spacerun: yes">&#0160; </span>With linear, mathematical thinking, there is really only one moment in time that is an actual event:<span style="mso-spacerun: yes">&#0160; </span>whether or not you pay the bill.<span style="mso-spacerun: yes">&#0160; </span>You rationalize that if you pay the bill, then you’ll feel relief that you had “enough” money. <span style="mso-spacerun: yes">&#0160;</span>However, this is the attachment that is so dangerous—and used to be my big issue.<span style="mso-spacerun: yes">&#0160; </span>If you DON’T pay the bill, you’ll feel terrible and think all kinds of horrible things about yourself.<span style="mso-spacerun: yes">&#0160; </span>So because of a simply act of not paying something “on time,” I’m either relieved and secure or anxiety-ridden and a horrible person.<span style="mso-spacerun: yes">&#0160; </span>Because I did or didn’t pay a bill on time??<span style="mso-spacerun: yes">&#0160; </span>I don’t think so.</font></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><font face="Calibri" size="3"><strong>If you stick to your present moment,</strong> you’ll realize that you don’t need ANYTHING to be completely fine.<span style="mso-spacerun: yes">&#0160; </span>Late bills, credit scores and whatever else freaks you out are as arbitrary and meaningless as the grade you got in geometry as a high school freshman.<span style="mso-spacerun: yes">&#0160; </span>These external issues are irrelevant to your happiness . . . and the key to true happiness is awareness in the present, NOT projecting into the future.</font></p>
<p class="MsoNormal" style="MARGIN: 0in 0in 10pt"><font face="Calibri" size="3"><strong>Sure, you might not have as much money as you want</strong> IN THE MOMENT, but as Byron Katie says, “At this moment, no one has more money than they have.” So, take a deep breath, consider your present moment and start working your way from there.</font></p>]]></description><wfw:commentRss>http://www.save-9.com/blog/rss-comments-entry-8037809.xml</wfw:commentRss></item></channel></rss>