![]() ![]() Translation, make the moments for last-minute fun. But I smile every time I look at photos from fun times with family and friends. Today I don’t remember what chores kept me busy or what I spent. Now I wish I had stressed less and been more willing to live with a less-tidy house. We didn’t take a lot of vacations, worrying about the cost. When my kids were young, I was so busy keeping up with work, chores and other tasks. Remember the triad: Time, Money and Quality. Translation – don’t always take the lowest bid on a project. We need good financial stewards, but a wise decision needs a basis in more than dollars and cents. Saving a few pennies here and there without looking at the big picture may miss the concept of earnings and value. I’d rather have four quarters than 100 pennies.– Al Capone Penny-wise and pound-foolish.Ĭall someone a “penny-pincher” and a negative image of an accountant or “bean-counter” pops up. Tip income is up now that food sales suggest a ‘reasonable’ tip, even for a cup of coffee.īe careful who you call your friends. Speedy transactions mean lines move faster. For vendors, electronic money reduces employee theft. Credit cards and apps like Apple Pay and Google Wallet make spending money so easy. I lose track of how much I spend unless I keep a spreadsheet. You could pay a pretty penny without reading the receipt. Yet, when you don’t touch money, it doesn’t seem as real. I would sell very few books at a book festival if I didn’t accept credit cards. Zelle and Venmo make it easy to send money to friends or pay my Toastmasters dues. I save time, the cost of stamps, and miss fewer deadlines. I use online bill-pay and auto payments whenever I can. You can’t spend cash when you order online. Buying a drink at the bar? Credit card only. It’s never been easier or faster to use credit cards now that you just tap your card and go. And occasionally, I’ve been in a store where the credit card machines are down. Splitting a restaurant bill with friends? Cash is easier. Going to a concert? It’s cash only for the parking lot attendant. I still coach my credit-card-only kids to stash some cash in their wallets, just in case. They went for home maintenance folks like the piano tuner, plumber, and garage door repair company who eschew credit card fees. My adult kids are like “I’ve never needed a check, Mom.” I get it. I date myself because I still carry cash and know how to write a check. I use all three but the world is changing. What happens to the other penny?– George Carlin Cash, checks or plastic? When someone asks you A penny for your thoughts, and you put your two cents in, After one year you will have saved $667.95. Do this every day for 365 days, adding one cent each day. Not bad for a year of stashing extra change.Ĭonsider this. But over time, the pile of pennies, nickels, dimes, and quarters grows in value. By themselves, a few coins won’t buy a latte at Starbucks or popcorn at the movies. I recently emptied a large change jar that sits on the dresser collecting dust. The value of both are in using them to attain your dreams and desires. Whether you bank time or money, the investment will grow. If pennies were moments, translate that to living in the present, and banking small moments that become a lifetime of memories. While others walk right by, I scoop up what is free money. Ditto for all other coins – nickels, dimes, and quarters. A dollar for your dreams.ĭoes anyone still bend down to pick up a penny on the ground? I do. ![]()
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