Pick Your Mentors WIsely

It has been many years since I began my financial education journey. I had scoured my world for the best books and speakers who could enlighten me on the " money mysteries" that I needed to learn.

Little did I know that my search would yield such a huge bounty....a bounty that I did not realize I needed to 

cautiously sort through.

Not all gurus, especially the financial ones, are operating out of a spirit of kindness or wisdom.

Most guru's or financial educators, teach about what worked well for THEM, and that my friends, is not necessarily what would work for you.

Yes, there are some general principles which most folks can adhere to, which will help them in their financial journey but there are some HUGE differences in approaches which can mean utter ruin, if you follow a path that is not intended to be YOUR path.

Well, let me just spit it out. There are some financial educators that have a HUGE appetite and willingness to handle risk. They may even advocate taking out your credit card and using cash advances to invest in real estate or some other entrepreneurial activity.

They don't realize that telling someone who does not handle risk very well, to use a credit card in that manner is not wise, and NOT good advice.

There are casualties of bad financial advice all over the world. Folks have been eager to learn and bow down submissively to financial speakers who are full of ego and pride. They followed their advice and wound up broke and near bankruptcy.

Be aware, my cyber friends across the world, that you need to filter through your financial mentors until you find one that suits your personality and risk tolerance. You don't need to accept some loud person on Youtube to become your financial mentor. Be cautious and slow to follow risky advice. Pray and think first before taking financial steps. Ask trusted folks with experience and a wise personality for good advice before you proceed on a new financial path.

I used to be intimidated by those who were very ultra confident. But just because someone is confident, and has a best selling book or seminar series, does not mean that teacher is the right teacher for you!!!!

Be good to yourself friends, and use your good sleuthing and discerning skills to figure out good teachers from the pompous fools. Ask God to give you wisdom in your searching.

God is the Father of wisdom and He delights to lead you into paths of righteousness and prosperity.

Perhaps some of the following financial thinkers would appeal to you.... Let me know in the comments what you feel about their teachings. Are they wise? Do they take reasonable amounts of risk?

examples:

Robert Chilton....( Canadian advice)

Derek Foster....( also Canadian advice....his website is https://stopworking.ca/

The Richest Man in Babylon by George S. Clason

Think and Grow Rich by Napoleon Hill

Well, that's all for today.  Be empowered, friends, with your ability to choose your own teachers in your self led learning journey. 

Peace,

Carla

Spreading Good Things?

Friends,

Do you have something that you are passionate about sharing with others? Is it food? Is it clothing you make at your home? Is it an encouraging smile to someone you think is having a rough day?

There is something to be said about consistency. About continuing to do good things even when it falls out of trendiness.

If you are really doing good things for God´s sake ...then you don´t really need to worry about the credit and whether anyone is noticing the good things you are doing for others. God sees all. He will give you credit in due time. Maybe your credit will come in a week, or in a year or in ten years. Maybe your credit will only come when you are in Heaven. 

The credit doesn´t matter. Doing good is good. Period. You don´t need to see your name in the paper or be trending on the latest popular social media app.

You don´t need to see your name in lights, to know in your heart that you are doing well by continuing to do good things for other human beings.

There is much to be said for doing things on the good weather days AND on the bad weather days.

So, I will keep this post short. Just know, my friends, both far and near....that if you are doing things for other people, you are doing good. You are sowing good deeds into the world. The world will be better off because of your good deeds. Some day you will be rewarded.

Peace and kindness,

Carla

The Two Dollar T-Shirt

As any proper frugalista would do....I swung my head around when I saw that sign ¨T-Shirts...$2.00¨

Say what? Can I actually be as frugal as this? What´s the catch? (Canada is not known for low cost clothing) 

So the catch is this....the men´s T-shirts with the guy-ish neckline.... was $2.....and the women´s t-shirts with the cute vneck line were thin as tissue paper and see through....and too short.

Yikes. I had been hearing lately about the ¨ pink tax¨ and for the most part I actually ignored it. But I guess I need to admit that it is real in some settings. 

And yes, you would be correct, by saying that I have no right to be demanding if I only want to pay 2$ for a tshirt. Ya ya.... hear ya. But it´s my blog and I´ll rant if I want to.

So back to that noted dollar store.The men´s t-shirts were of a quality well known sport brand name in the T-shirt world...the fabric thick enough so as not to be see-through and thoroughly washable. The women´s t-shirt was NOT made by that same brand name and was see-through, too short for normal length and would probably not survive well through a couple of washes and dryer rounds.

I get annoyed when people I hope are wrong....are absolutely right.

There is no logical reason why a men´s t-shirt should be stronger, better quality and of a better quality brand than a woman´s t-shirt.

We gals like cheap clothes too once in a while.

I happen to believe we shouldn´t have to go to thrift shops and buy used clothing just because we are trying to stay on budget. Brand new clothing should be available for all in this modern computerized age of manufacturing. Factories are constantly making improvements in robotics and now with AI, they can probably run a shirt factory with almost no labour costs. Am I wrong? ??

New Clothes should be getting cheaper, not lower quality.

Does this mean perhaps I must learn how to sew???.....then I could alter cheaper new men´s clothes into Women´s designs...and have the benefit of the low cost and still have good quality fabric. 

But I sooooo don´t want to learn how to sew.

How ´bout you? I know that environmental activists are horrified by statements about the right to ¨new¨ clothing. Fast fashion is not environmentally correct. Buying thrift store treasures is a big movement right now....and will continue to be for the foreseeable future. But there are other options.

If the fabric from used clothing can be sterilized and broken down and made into ¨new to you¨ clothing, that would be a more appealing third option. The worst part of thrift stores is that the lack of cleanliness and the fact that you just might be touching and buying someone´s unwashed clothing. There are risks, both emotional and otherwise, from wearing things that once were worn by other humans. They can have hidden contaminants, chemical residues or insect infestations that may not be obvious. 

Sorry, friends, I am not trying to gross you out. But let´s be a little realistic. Nobody knows what that second hand item has done before it wound up on a rack in a thrift store. It has an unknown history and therefore an unknown level of cleanliness. 

The hope with new clothing is that it has never been worn and therefore, there should be minimal risk of dirt, germs and insects.

A good quality clothing manufacturer and retailer is going to ensure that the clothing they sell is going to be a clean and nice smelling piece of clothing for the proud consumer. Good work leaves a good trail. We feel safe and confident buying from a brand we have come to trust and rely on.

Any thoughts friends?

Peace,

Carla