I paid the bills this week. I pay them twice a month: on the 15th and on the last day of the month. I know a lot of people who are stressed out when it comes time to pay the bills, and I can understand the feeling of having too much month left at the end of the money.
But I kind of like paying bills. I always have. I remember when I was first married and I told my mom that I enjoyed it. She laughed and said "You'll get over it." I had a whole ritual... I'd get out the checkbook, a beverage and a calculator. I'd get comfortable and I'd make a little ceremony out of it. I'd turn something that could be drudgery into practicing the proverbial art of seeing the glass as half full. No matter how little we had, we had something to be thankful for! We were able to pay for housing, for electricity and cable and telephones. We were getting it done. Now, 16 years later, things have changed a bit. I pay 99% of our bills online, and rarely need to fill out any checks. But the feelings of gratitude have stayed the same, and mom, I still enjoy the process. :)
I'm thinking of it now because this has been a difficult, difficult month in terms of money. A lot of new expenses... some expected, some not-so-expected. Our credit cards, previously tucked safely into our wallets, have once again come out to play. Most of it was paid off with this last check, but a portion of it was not. Not a good month, and it's only half over!
Still, we're paying our bills and pushing on through. Just like 16 years ago, we're getting it done. We'll do it.
Finally, a couple of months ago I posted a blog about taking surveys, and shared some of my tips. I've increased my survey taking - and subsequent money-making - tenfold since then, as well as signed up at more than a dozen more great sites. I decided to give it a little more attention than I can give in just a blog, so I've been working on a website (yay!) It will have a list of links of my favorite sites, my tips, and FAQs for your perusal. I'll be posting the link very soon.
Friday, April 17, 2009
Tuesday, March 31, 2009
March Update and our Bounty of Produce
Aren't they beautiful fruits and vegetables? I wish I could say that we grew them ourselves, as I have been wanting to do a garden for the longest time, but this just isn't going to be the year. We did however, get them from a wonderful local food co-op for a great price. $30 for around $70 worth of fresh, delicious produce. And none of those awful plastic bags from the grocery store either! The kids have been especially enjoying the mangoes, peaches, and strawberries, and are looking forward to seeing what's in next week's basket.
On the debt front, March was another good month. Total debt is down over $700, and that is with Mike's furloughs still in full effect! When we first heard he was going to be getting such a substantial paycut, we were just hoping to be able to make ends meet. Debt repayment was the furthest thing from our mind... our hope was simply that it would not increase. The fact that we're making ends meet AND still paying down our debt?? A visible reminder of the grace of God.
Monday, March 23, 2009
Frustrations and Epiphanies
I've been stressed about money. Incredibly stressed. Stressed, frustrated, and sad (especially when it comes to having to tell the kids we can't do xyz because we don't have the money for it) I realized the other day that this is possibly the most stressed I've ever been about money, which made no sense to me. Our money situation has been much more dire than it is now. There was a point in time that we were bringing in half as much money, and had twice as much debt. That was a stressful time, to be sure, but I still don't remember feeling it, really FEELING it, quite as acutely as I do now.
So what's different this time?
For one thing, while many in the country are in our same boat, most in our own immediate circle are not. I'm watching as everyone around me plans trips, goes to museums, goes to the movies, goes out to eat. It is difficult to see day after day, when none of those things are in our immediate future. I'm not proud of feeling bothered by this... I know that what others do is none of my business. But the feeling is there, no matter how distasteful it may be.
More than that though, is the fact that perhaps for the first time since we've been married, we are truly living within our means, and are therefore intimately aware of every penny that comes in and goes out. We are living it and feeling it and not burying our heads in the sand. With the exception of my unexpected ER trip in early February, we have not used a credit card for any purpose since the beginning of the year.
We have never been a family that's been terribly into "stuff." We don't buy the fancy cars, expensive clothes, nice furniture. But we have in the past been known to reach for those credit cards... to go out to eat, because we "deserve it". To take a vacation, because it's been such a long time. To buy something for the house or the kids or each other, just because we wanted to. We always found a way to justify it, to turn it into a "need." Did we have the money to pay that bill at the end of the month? Who knew? Who cared? We were living like true Americans. Buy now, worry about it later.
Well, "later" is now. Now we pay for past mistakes. Now we live the way we should have been living all along. Now if we don't have the money, we don't spend it. Simple. And it IS frustrating at times, and it IS stressful. But I've realized that even more than being frustrating and stressful, it is freeing! This is the way it is supposed to be. I like knowing that when we buy something, we're using hard earned cash and making it a thoughtful, planned purchase. I like knowing when I pay the bills every month that we are being responsible, and that we are blessed to have the extras - internet, satellite TV, cell phones, etc - that are so so easy to take for granted. I like knowing that we're living simply, and I like knowing that we're still finding new ways to do so.
I like knowing that if we keep doing what we're doing that we will eventually be debt free, and out from under the burden that so many people consider to be an inevitable part of life.
So what's different this time?
For one thing, while many in the country are in our same boat, most in our own immediate circle are not. I'm watching as everyone around me plans trips, goes to museums, goes to the movies, goes out to eat. It is difficult to see day after day, when none of those things are in our immediate future. I'm not proud of feeling bothered by this... I know that what others do is none of my business. But the feeling is there, no matter how distasteful it may be.
More than that though, is the fact that perhaps for the first time since we've been married, we are truly living within our means, and are therefore intimately aware of every penny that comes in and goes out. We are living it and feeling it and not burying our heads in the sand. With the exception of my unexpected ER trip in early February, we have not used a credit card for any purpose since the beginning of the year.
We have never been a family that's been terribly into "stuff." We don't buy the fancy cars, expensive clothes, nice furniture. But we have in the past been known to reach for those credit cards... to go out to eat, because we "deserve it". To take a vacation, because it's been such a long time. To buy something for the house or the kids or each other, just because we wanted to. We always found a way to justify it, to turn it into a "need." Did we have the money to pay that bill at the end of the month? Who knew? Who cared? We were living like true Americans. Buy now, worry about it later.
Well, "later" is now. Now we pay for past mistakes. Now we live the way we should have been living all along. Now if we don't have the money, we don't spend it. Simple. And it IS frustrating at times, and it IS stressful. But I've realized that even more than being frustrating and stressful, it is freeing! This is the way it is supposed to be. I like knowing that when we buy something, we're using hard earned cash and making it a thoughtful, planned purchase. I like knowing when I pay the bills every month that we are being responsible, and that we are blessed to have the extras - internet, satellite TV, cell phones, etc - that are so so easy to take for granted. I like knowing that we're living simply, and I like knowing that we're still finding new ways to do so.
I like knowing that if we keep doing what we're doing that we will eventually be debt free, and out from under the burden that so many people consider to be an inevitable part of life.
Wednesday, March 4, 2009
It's officially chic to be cheap
Saw this on CNN, and thought it was a good read. I was happy to see it indeed, as lately I've been frustrated by people around me who are continuing to talk up their lavish spending. It's encouraging to know that society at large is beginning to "get it."
<<<<<<<<>>>>>>>>
By Lisa Respers France
CNN
(CNN) -- Jeneba Jalloh Ghatt is the first to admit that she likes nice things.
Stylist Philip Pelusi has offered his clients bargains and hosted two designers' shows to help them save money.
Stylist Philip Pelusi has offered his clients bargains and hosted two designers' shows to help them save money.
But these days when she passes the new upscale shopping area en route to her Chevy Chase, Maryland, office, she refuses to even glance at the lavish goodies.
"There's a Ralph Lauren store, a Louis Vuitton store, Tiffany's," said the attorney and principal of The Ghatt Law Group. "I drive by and I don't even look in that direction."
With the economy in shambles and so many people losing their jobs and homes, it is no longer considered cool to brag about possessions and purchases.
For many during a deepening recession, conspicuous consumption is out and frugality is the new black.
"People have long used the way they shop and what they buy as a way to communicate with other people about their values, their tastes and their interests," said Kit Yarrow, a consumer psychologist and professor at Golden Gate University in San Francisco, California.
"A year ago, what was considered the ultimate status symbol would have been the chicest bag or the most luxurious outfit," Yarrow added. "Now what's chic is being the most knowledgeable and efficient at saving money."
Yarrow said that despite the tough economic times, there are many Americans who still have disposable income.
Those people are choosing not to spend, she said, or making more thoughtful purchases.
"What I am saying is that we have moved from an era of conspicuous consumption to an era of considered consumption," Yarrow said. "People at one time wanted to showcase all of the things they are buying and now they are stopping and really thinking about it."
Brett Wright, co-founder and chief creative officer of Uptown Magazine, is also seeing evidence of that attitude shift. iReport.com: What adjustments are you making to your budget?
His publication is targeted at what he terms the "triple A's" -- affluent African-Americans and those who want to be.
Wright said he is seeing consumption of big ticket items being put on hold or done more discreetly.
"Buying the new red Ferrari is certainly not in favor," Wright said. "Everybody is trying to do things sort of under the radar screen. No one is looking to be as ostentatious as they may have been in the past."
Consumers are looking for value for their spending, Wright said, and focusing on "How do you live like a king without having to spend a king's ransom?"
To that end, Wright and his staff are brainstorming ways to address the change in spending habits in their publication.
"We don't believe that luxury lifestyle has gone away," Wright said. "We're looking at maybe not having the $250,000 watch, but a great watch you can get for perhaps $7,500."
Renowned hairstylist and salon owner Philip Pelusi said he, too, has seen the focus shift to more bang for the buck during the economic downturn.
Pelusi said clients are opting for money-saving tactics like extending time between visits, partial highlights or getting services on "training nights" for the salon, which can trim their bill up to 60 percent.
"We are doing everything we can to accommodate the clients," said Pelusi, whose Tela Design Studio in Manhattan has only seen a slight decrease in business.
Pelusi is also reaching out to others in the industry who are looking to economize.
Two designers, Susan Cianciolo and "Project Runway" finalist Jillian Lewis, opted to forgo staging more expensive shows and used Pelusi's design studio during Fashion Week for their presentations.
Marilani Huling is a Washington-based jewelry designer who said she has reduced prices on her creations to cater to her clientele.
Huling said that during the recent "Crystal Couture" event in Virginia, one of the most popular presenters during the two-week fashion festival was Goodwill Industries.
"Goodwill had stylists put together things off their racks and put them on the runway models," Huling said. "I was surprised, because everything really looked good."
HLN consumer advocate Clark Howard said a new term is "in-sourcing" instead of "out-sourcing."
"People had their collection of 'Mys,' " Howard said. "My massage therapist, my yard person, my hairdresser. Now people are really stepping back from that and saying 'If I cut my own lawn, I'm going to have that $60 in my pocket.' "
Howard said he has noticed from listeners to his popular call-in radio show that even those who really don't need to cut back are still choosing to do so. That didn't happen, he said, during the last deep recession from 1979 to 1982.
Howard said he attributes the rush to downsize in part to the 24-hour news cycle, which continues to pepper the public with bad news.
"People didn't have access to the constant drumbeat of news that they have now," he said.
With so much personal spending being tied to emotion, Howard said consumers are being much more cautious while they ride out the economic turmoil and are taking comfort in being able to score good deals.
Ghatt posted unabashedly on Twitter when she spotted a pair of Cole Hahn shoes originally priced at $180 going for $20 at Marshalls.
When a friend expressed his surprise that she would go public with shopping at a discount store, she had a quick comeback.
"I tweeted and said 'Don't you know that bargain divas are in style now?' " Ghatt said, laughing.
<<<<<<<<>>>>>>>>
By Lisa Respers France
CNN
(CNN) -- Jeneba Jalloh Ghatt is the first to admit that she likes nice things.
Stylist Philip Pelusi has offered his clients bargains and hosted two designers' shows to help them save money.
Stylist Philip Pelusi has offered his clients bargains and hosted two designers' shows to help them save money.
But these days when she passes the new upscale shopping area en route to her Chevy Chase, Maryland, office, she refuses to even glance at the lavish goodies.
"There's a Ralph Lauren store, a Louis Vuitton store, Tiffany's," said the attorney and principal of The Ghatt Law Group. "I drive by and I don't even look in that direction."
With the economy in shambles and so many people losing their jobs and homes, it is no longer considered cool to brag about possessions and purchases.
For many during a deepening recession, conspicuous consumption is out and frugality is the new black.
"People have long used the way they shop and what they buy as a way to communicate with other people about their values, their tastes and their interests," said Kit Yarrow, a consumer psychologist and professor at Golden Gate University in San Francisco, California.
"A year ago, what was considered the ultimate status symbol would have been the chicest bag or the most luxurious outfit," Yarrow added. "Now what's chic is being the most knowledgeable and efficient at saving money."
Yarrow said that despite the tough economic times, there are many Americans who still have disposable income.
Those people are choosing not to spend, she said, or making more thoughtful purchases.
"What I am saying is that we have moved from an era of conspicuous consumption to an era of considered consumption," Yarrow said. "People at one time wanted to showcase all of the things they are buying and now they are stopping and really thinking about it."
Brett Wright, co-founder and chief creative officer of Uptown Magazine, is also seeing evidence of that attitude shift. iReport.com: What adjustments are you making to your budget?
His publication is targeted at what he terms the "triple A's" -- affluent African-Americans and those who want to be.
Wright said he is seeing consumption of big ticket items being put on hold or done more discreetly.
"Buying the new red Ferrari is certainly not in favor," Wright said. "Everybody is trying to do things sort of under the radar screen. No one is looking to be as ostentatious as they may have been in the past."
Consumers are looking for value for their spending, Wright said, and focusing on "How do you live like a king without having to spend a king's ransom?"
To that end, Wright and his staff are brainstorming ways to address the change in spending habits in their publication.
"We don't believe that luxury lifestyle has gone away," Wright said. "We're looking at maybe not having the $250,000 watch, but a great watch you can get for perhaps $7,500."
Renowned hairstylist and salon owner Philip Pelusi said he, too, has seen the focus shift to more bang for the buck during the economic downturn.
Pelusi said clients are opting for money-saving tactics like extending time between visits, partial highlights or getting services on "training nights" for the salon, which can trim their bill up to 60 percent.
"We are doing everything we can to accommodate the clients," said Pelusi, whose Tela Design Studio in Manhattan has only seen a slight decrease in business.
Pelusi is also reaching out to others in the industry who are looking to economize.
Two designers, Susan Cianciolo and "Project Runway" finalist Jillian Lewis, opted to forgo staging more expensive shows and used Pelusi's design studio during Fashion Week for their presentations.
Marilani Huling is a Washington-based jewelry designer who said she has reduced prices on her creations to cater to her clientele.
Huling said that during the recent "Crystal Couture" event in Virginia, one of the most popular presenters during the two-week fashion festival was Goodwill Industries.
"Goodwill had stylists put together things off their racks and put them on the runway models," Huling said. "I was surprised, because everything really looked good."
HLN consumer advocate Clark Howard said a new term is "in-sourcing" instead of "out-sourcing."
"People had their collection of 'Mys,' " Howard said. "My massage therapist, my yard person, my hairdresser. Now people are really stepping back from that and saying 'If I cut my own lawn, I'm going to have that $60 in my pocket.' "
Howard said he has noticed from listeners to his popular call-in radio show that even those who really don't need to cut back are still choosing to do so. That didn't happen, he said, during the last deep recession from 1979 to 1982.
Howard said he attributes the rush to downsize in part to the 24-hour news cycle, which continues to pepper the public with bad news.
"People didn't have access to the constant drumbeat of news that they have now," he said.
With so much personal spending being tied to emotion, Howard said consumers are being much more cautious while they ride out the economic turmoil and are taking comfort in being able to score good deals.
Ghatt posted unabashedly on Twitter when she spotted a pair of Cole Hahn shoes originally priced at $180 going for $20 at Marshalls.
When a friend expressed his surprise that she would go public with shopping at a discount store, she had a quick comeback.
"I tweeted and said 'Don't you know that bargain divas are in style now?' " Ghatt said, laughing.
Saturday, February 28, 2009
February in Review
For some reason, I spent most of the month of January thinking that it was February. So when February really did come around, it felt exceptionally long, especially for the shortest month of the year! It was a good month though, financially speaking, something I was not expecting. Last month we found out that Mike was among the many people who would have to take take 10 unpaid furlough days over the next five months, resulting in a temporary 10% pay cut. Perhaps I was a little more cryptic, and dramatic, than I needed to be when I posted about it, but it was difficult news to swallow. Yes, we're extremely fortunate that so far he won't need to be laid off. And yes, it could have been so much worse than 10%! But when you're living paycheck to paycheck, and using every last penny of those paychecks just to get basic needs met.. 10% feels enormous, and at times insurmountable. I allowed myself to feel extraordinarily frustrated for a good part of the last month... and then I moved on.
We got our tax return and used it as carefully and deliberately as we possibly could. We paid off some outstanding bills, got our Wii repaired (an $85 fix that we'd been waiting on since December), and paid a portion to our lowest balance credit card. Once that was all taken care of, it was on to the task at hand: adjusting our budget to accommodate the 10% decrease in pay. I have to laugh when I read or hear most tips on stretching your dollar - things like bringing your own coffee to work instead of going to Starbucks, getting your hair cut every 10 weeks instead of 6, going out to eat just once a month. Etc. We are way, way beyond that. We never go to Starbucks, never EVER go to hair salons, and "going out to eat" consists of infrequent $5 Hot N Ready pizzas from Little Caesars. We don't go out to the movies (one of my favorite things) save but once or twice a year. We conserve water, conserve electricity, don't shop for clothes - or anything, really - unless it is a necessity. I thought our budget was just about as stripped down as we could get it, but we've managed to strip it even further. I'm strangely proud of the progress we've made on our groceries.
Just a few short months ago we were spending upwards of $800 a month on groceries. As of this month, we have cut that in half (without compromising the quality or quantity of the food we eat) We've been shopping the sales, clipping coupons, utilizing our Dollar Tree and Grocery Outlet, and only shopping twice a month instead of weekly. It's become a sort of game, and I have to say that as exhausting as it is to shop 6 different stores on one Saturday - just for a few weeks of groceries - the prize is worth the effort.
All told, we ended up shaving 2473.83 off our total debt for the month of February, and are feeling cautiously optimistic about March. On Mike's next payday, we will already be one third of the way through the furloughs.
We got our tax return and used it as carefully and deliberately as we possibly could. We paid off some outstanding bills, got our Wii repaired (an $85 fix that we'd been waiting on since December), and paid a portion to our lowest balance credit card. Once that was all taken care of, it was on to the task at hand: adjusting our budget to accommodate the 10% decrease in pay. I have to laugh when I read or hear most tips on stretching your dollar - things like bringing your own coffee to work instead of going to Starbucks, getting your hair cut every 10 weeks instead of 6, going out to eat just once a month. Etc. We are way, way beyond that. We never go to Starbucks, never EVER go to hair salons, and "going out to eat" consists of infrequent $5 Hot N Ready pizzas from Little Caesars. We don't go out to the movies (one of my favorite things) save but once or twice a year. We conserve water, conserve electricity, don't shop for clothes - or anything, really - unless it is a necessity. I thought our budget was just about as stripped down as we could get it, but we've managed to strip it even further. I'm strangely proud of the progress we've made on our groceries.
Just a few short months ago we were spending upwards of $800 a month on groceries. As of this month, we have cut that in half (without compromising the quality or quantity of the food we eat) We've been shopping the sales, clipping coupons, utilizing our Dollar Tree and Grocery Outlet, and only shopping twice a month instead of weekly. It's become a sort of game, and I have to say that as exhausting as it is to shop 6 different stores on one Saturday - just for a few weeks of groceries - the prize is worth the effort.
All told, we ended up shaving 2473.83 off our total debt for the month of February, and are feeling cautiously optimistic about March. On Mike's next payday, we will already be one third of the way through the furloughs.
Thursday, February 26, 2009
Another way to save money
My latest discovery!
My Homeschool Rewards is a program that sells gift cards - for everything, from gas and groceries to your favorite restaurants, clothing stores, book stores and toy stores. If you're a homeschooling family, you can register for an account (it's free to sign up) and you receive cash back on every purchase that you make, as well as purchases that others make on your behalf. You can use the gift cards on yourself for your everyday purchases, or give them as gifts. If you're not a homeschooling family, you can still buy all your gift cards there, and the cash back based on your purchases will go to the homeschool family of your choosing. We tried it out for the first time this week, and I was amazed at how simple it was. We ordered a gift card to Dick's Sporting Goods to get Paxton some cleats, a Chevron card for gas, and an Amazon card to get Bibles for the boys. The shipping was FAST (2 or 3 days), and our account already reflects our $1.50 cash back. Cool! Best of all, they only accept electronic checks as payment, so we had to have the cash on hand to buy them. No temptation to use a credit card and go further into debt.
My Homeschool Rewards is a program that sells gift cards - for everything, from gas and groceries to your favorite restaurants, clothing stores, book stores and toy stores. If you're a homeschooling family, you can register for an account (it's free to sign up) and you receive cash back on every purchase that you make, as well as purchases that others make on your behalf. You can use the gift cards on yourself for your everyday purchases, or give them as gifts. If you're not a homeschooling family, you can still buy all your gift cards there, and the cash back based on your purchases will go to the homeschool family of your choosing. We tried it out for the first time this week, and I was amazed at how simple it was. We ordered a gift card to Dick's Sporting Goods to get Paxton some cleats, a Chevron card for gas, and an Amazon card to get Bibles for the boys. The shipping was FAST (2 or 3 days), and our account already reflects our $1.50 cash back. Cool! Best of all, they only accept electronic checks as payment, so we had to have the cash on hand to buy them. No temptation to use a credit card and go further into debt.
Monday, February 9, 2009
Talking About Money
I read a Debt Support message board. It's refreshing to hear other women's stories, no matter where they are on their journeys. I love that people are sharing where they've been, where they're going, and where they never hope to be again. A lot of that sharing is of ideas, concepts, and inspiration, but a lot of it is cold, hard numbers as well. Yesterday there was a post from a new member, who introduced herself and then said that she couldn't share any numbers, because she'd shared something before, and got "scolded" by a family member for giving away sensitive information online. I think that's interesting.
Talking about debt is a sensitive subject, and before I started this blog, I asked Mike how he felt about it. (He, as I suspected, didn't care in the least) Sensitive or not, I'm not ashamed of our debt. It is what it is. I would be ashamed however if I shared other kinds of financial information that other people quite freely share, not because the numbers are too high or too low, but because there's a time and a place, and all too often the line of good taste is crossed. It's kind of ironic to me that people will talk (ie: brag) about how much money they make, how much they spend on their house and their cars and their "toys", but talking about their debt is too personal. I was at a party - in a roomful of people - and someone was talking about his first post-college job that he'd just started. He then proceeded to tell the room the exact amount of his salary and his signing bonus. That to me is the kind of sharing that you just don't do in polite conversation. I'm never impressed with high salaries anyway, because it's such a small small piece of someone's financial picture... not the whole story. And what does it matter anyway? Would you think more highly of me if I said we brought home 90K a year? What if I said we brought home 30K, but we owned our house and our cars outright? What if it was actually 150K, but we owed 70K on credit cards? (None of those are real, by the way)
Who cares how much money someone makes? What do they do with it? Do they waste it? Do they use it to help others? Do they live within their means? Are they trying to keep up with the neighbors? Do they think "the guy with the most stuff wins"?
I guess I'm unusual in that I like to - politely - talk about money. I do. I never would have started this blog otherwise. Sometimes I'll share specifics, and sometimes I won't. But as long as I feel that I've shared honestly, and humbly, and remembered that at the end of the day money doesn't matter, I'll be happy.
Talking about debt is a sensitive subject, and before I started this blog, I asked Mike how he felt about it. (He, as I suspected, didn't care in the least) Sensitive or not, I'm not ashamed of our debt. It is what it is. I would be ashamed however if I shared other kinds of financial information that other people quite freely share, not because the numbers are too high or too low, but because there's a time and a place, and all too often the line of good taste is crossed. It's kind of ironic to me that people will talk (ie: brag) about how much money they make, how much they spend on their house and their cars and their "toys", but talking about their debt is too personal. I was at a party - in a roomful of people - and someone was talking about his first post-college job that he'd just started. He then proceeded to tell the room the exact amount of his salary and his signing bonus. That to me is the kind of sharing that you just don't do in polite conversation. I'm never impressed with high salaries anyway, because it's such a small small piece of someone's financial picture... not the whole story. And what does it matter anyway? Would you think more highly of me if I said we brought home 90K a year? What if I said we brought home 30K, but we owned our house and our cars outright? What if it was actually 150K, but we owed 70K on credit cards? (None of those are real, by the way)
Who cares how much money someone makes? What do they do with it? Do they waste it? Do they use it to help others? Do they live within their means? Are they trying to keep up with the neighbors? Do they think "the guy with the most stuff wins"?
I guess I'm unusual in that I like to - politely - talk about money. I do. I never would have started this blog otherwise. Sometimes I'll share specifics, and sometimes I won't. But as long as I feel that I've shared honestly, and humbly, and remembered that at the end of the day money doesn't matter, I'll be happy.
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