The successful money worker is one who is able to look unflinchingly at the money on hand, or lack thereof, to prepare for the future. The last day of the standard calendar year is an especially good time to evaluate the situation, as it coincides with other financial milestones for many, such as the end of the tax year. At first glance, I’m ending the year with almost nothing available to spend.
I consider this a victory, because it means my money magic is working. Much of it is designed to siphon money out of my day-to-day life, ensuring that it will be there when I need it. Looking more deeply, I discover:
- My weekly dollars got in an extra week this year, because Dec. 31 is a Sunday, the day I work that spell, which on paper yields $1,431. That means a fireplace insert, something I’ve been working toward for about six years, will soon be part of our home.
- That phantom extra week is echoed oddly in my daily cents spell; according to my seemingly careful records of what to save each day, 2017 was 275 days long. Not sure what actually went sideways there, but it means I’ll have that much more to spend on natural cemetery plots for my spouse and I.
- I’ve been practicing fiver diversion since March or April, and only in the past few days did I learn that people are using this as a year-long “$5 bill challenge.” First of all, lame name. Secondly, I’ll count up now since this money is also going toward the graves; the $400 I now have could have been a bunch more.
Working with physical, tangible money is often a good way to start. I also have electronic money stuffed in savings accounts, such as everything from years past I’ve saved for the fireplace insert. I close out 2017 with a good start on an emergency fund, and can focus more in coming years on bolstering a retirement picture which is still pretty scary.