Good morning! I hope your day is off to a nice start.
It’s Monday, not to mention the last week of October. Just in case you needed a reminder that … you know, after this, things start getting real. For those of us in the US (okay, most of the US), daylight savings time ends this week. After that, we’re officially in the build-up to the holidays. Not that the stores have noticed. I think they still have last year’s Christmas displays up.
Which reminds me, I need to get my grandson over here to put up our outdoor lights. I like to get that done before the first snow falls. Something about climbing 16 feet up a ladder that’s resting on a bed of ice just sounds dangerous. So, I pay him to do it for me. Besides, he’s young and his bones will heal faster.
This is also the time of year when we start to complain. Okay, we got an early start on it this year. Like back in March. I’d say we were entitled. But every year around now we take notice of how much earlier the stores put out their holiday inventory and how the whole thing has just turned into one big, commercialized mess. In other words, “This is gonna be expensive!” Yep.
And I’ll be honest – I think we do miss the whole holiday spirit in the rush of the season. The cleaning, the baking, the meal preparation, throwing the dishes away because there are too many to wash … and we cap it all off by standing in the drizzling cold at 4:00 in the morning to get a 92-inch TV for $6.95. But hey, they’re giving away free Furbies to the first 100 customers!
Okay, it’s obvious I haven’t been Black Friday shopping in a long time. It just never was my thing. Besides, I’m usually still too full of whatever was on the table the day before, most of which my body can convert to gas in a matter of minutes. Let’s just say I’m doing the world a favor by staying home.
Black Friday sales are there for one thing, and one thing only – to get whatever is left of your paycheck before anybody else gets their greedy paws on it. And when the money runs out, we go home. Right? Are you serious??? That’s why God made plastic! And if you’ve already reached your credit limit, have no fear! Customer service reps are standing by to give you an increase.
Well, let’s get down to it. If you don’t have the money to buy something today, odds are you won’t have the money to pay it off next year. We all know that. And this year has been especially hard on people. A lot of credit cards have been maxed out at the grocery store buying superfluous items like … you know, food. That doesn’t leave much for anything else.
Several months ago, I posed a rather important question. Could you do 2020 again? Hopefully most of us made it through with our health and finances relatively intact, but could you survive another round? Was there any point this year where you wished you hadn’t spent quite so much last year? “If only I’d known what was coming.”
Well, here’s the thing – we don’t know what’s coming. We never know. Hopefully this virus will fade away, but the numbers right now aren’t working in our favor. Almost every expert says it’s going to get worse before it gets better. Can you survive another round? Can your employer? How will that affect the decisions you make over the next couple of months?
As soon as things get dicey, we all start singing the same tune. “I have to do something to make more money!” So, why do we always wait until things are really bad before we look for ways to make them better? Sure, better late than never. But you can’t just snap your fingers and double your income. It takes time. Time that most of us are wasting today.
Are there things you could do if you suddenly found yourself short of money? Are you short today? Let’s be honest. We could all stand to have a little extra coming in. Believe me, two years ago when I found myself facing brain surgery, I thought about that a lot. “This business could have made all the difference in the world. Why didn’t I get started sooner?”
Dig the well before you get thirsty. What’s the worst thing that can happen? The drought never comes, and you have a little extra water on hand? Never once have I heard anybody say they wish they hadn’t saved money or built an extra income on the side. Because the reality is, we’ll all get thirsty at some point in our lives. And the decisions we make today will make a world of difference when that time comes.
That’s all for now. Have an awesome day!
© 2020 Dave Glardon – All rights reservedFollow @dglardon