TMI Tuesday – Health Wealth and Happiness

Photo by Elena Mozhvilo on Unsplash

I have been sick since January 1 so despite having time I have not had the energy. The jury is out on whether or not we have Covid but I am happy that it was a mild experience.

1. Do you feel that happiness is luck or is it a practiced mindset?

Happiness is definitely not the result of luck.

2. If you could transport to the happiest place in the world where would you be?

These images were taken on top of the Sandhills on Moreton Island. I have long recognised it as my happy place. It has been frustrating that weather has conspired to keep me away from there since our return to Brisbane in September. How could I want to be away from here.

3. In 2022, what will you do to improve your health?

Eat more vegetables. Because vegetables are awesome.

4. What is your money psychology?
a. Money worshipper: Those who associate money with security, but in a kind of arbitrary way. The danger is no amount of money is ever enough.

b. Money avoidance: When you tend to think of money as bad, corrupting or just something you do not deserve. This can manifest in many ways, such as, not trying to negotiate a raise at work or avoiding looking at your retirement account.

c. Money vigilance: These people seem really great with their money, but there is a lot of anxiety around actually using it. This type can be great savers but rarely treat themselves.

d. Money status: People with this mind-set see money as a way to feel good about themselves and appear a certain way to others. These folks tend to run up credit card debt, pick up tabs they cannot afford and otherwise mismanage their money — while judging others who do not have the same status symbols.

I am none of those. Mr Jones is very anti debt and consequently we have only ever incurred short term debts to help us buy big ticket investments like houses and property. Whenever there is a debt it is the number one priority to settle it. The other big rule in our house is “never go into debt for something that is not an investment” This includes things most people consider necessary to incur a debt for such as cars, furniture, renovations, vacations. If there isn’t money in the account for the item right then and there then we simply don’t purchase it.

Consequently the rest of our life is about living within our means. We don’t smoke or drink excessively nor do we go out for dinner almost ever. We have stuff. We have a yacht for FS. But the flip side of that is that I can count on one hand the number of times I have been out of the country for a vacation. I can count on the other hand the number of times I have had a vacation that involved staying in a hotel.

So of the choices given I would say that I am vigilant about money but not to the point where it becomes an obsession.

Bonus: Do you have any goals for your blog in 2022?

Honestly. Keep on keeping on. I was happy for the most part with how it progressed in 2021. It has taught me that persistence and consistency is the key to growing this page.

TMI Tuesday blog

Money, Money, Money

Image by Goumbik from Pixabay

1. What is the most expensive thing you have purchased that was not worth the price?

I bought a pair of shoes last week. I still am not in the habit of doing regular land based things so I didn’t check the price before deciding to buy them. Not sure what was happening there but when the sales assistant rang up the price it was higher than I would have considered reasonable at the time. I didn’t have the brain space to argue so I just paid and walked out the shop. They are leather shoes and I will wear them a lot so I am just telling myself that is enough to justify the price.

2. Has money ever ruined a relationship for you?

Not really. Money is something that I use and I am relatively careful with but it isn’t something that drives life decisions for me. I haven’t had a relationship that was dictated by money issues ever so I guess I am lucky.

3. What is a cheap thing you own that just makes you SO happy?

The cardigan I am wearing as I type this. I got it from the sale rack. It was damaged but it is so soft and cuddly. I love wearing it.

4. What is the most toxic quality about you?

I have inherited some of my mother’s passive aggressive tendencies. I am relatively skilled at inducing guilt in the people who care about me. I am super conscious about not turning into her so I try really hard but it slips out sometimes.

5. Why do you not like to talk about money?

Because for many people seeing someone with something they don’t have but think they want causes them to be jealous and negative. I don’t want to be judged or thought of as a snob.

When we purchased our yacht the question a lot of my teacher friends asked was “How much did it cost?” I could hear the unspoken question of “How did you afford that?” as they asked. I never told anyone how much it was. My standard response was “Enough”. Most people were happy to leave it at that. I didn’t want to advertise to my colleagues that I work primarily for reasons other than to pay my bills.

Bonus: What is the craziest thing you have done for love?

Bought a boat that cost the same as a house, took unpaid leave from my job and spent six months sailing the Queensland coast. I got a lot out of it and it changed me for life but ultimately this voyage was about me compromising with Mr Jones.

TMI Tuesday – The Money Edition

1 If you pay someone to do one chore what would it be?

The first thing that popped into my mind when I read this was clean my house. I have paid someone to clean my house in the past. It was good but I have a semi – retired husband and two adult children living with me right now. If we can’t manage to get the place clean enough there is a problem!

Maybe a personal stylist / shopper would be cool.

2 If I gave you $1, 000, 000USD how much would you give to charity?

Mr Jones is not a huge fan of donating cash to major charities. I think he feels that a lot of money gets wasted on admin etc. In the event of a windfall like that I feel that a proportion of it would get donated but some would be directed at specific people who we know personally that need a hand.

3 What is the most annoying thing your partner does with money?

Talk about it! Mr Jones is interested in finance and economics so we spend a lot of time talking about his theories relating to tax, wealth generation and debt management. It isn’t something I find particularly interesting but there we are.

4 What is something you bought as a couple but would be embarrassed for your parents to know?

I don’t think there is anything we have bought that I am embarrassed about. I don’t particularly discuss money with my parents. My mother in particular is one of those people who likes to gossip about people in a nasty way and always shares her unwanted opinions. So I make a point of not discussing our finances with her.

5 What money related thing have you hidden from your significant other?

Nothing. All of our accounts are joint. So Mr Jones sees every transaction I make. If I wanted to hide something it would require a lot of maneuvering.

Bonus: If you received $1, 000, right now would you tell people? Why or Why not?

Regular readers will know that we bought a boat recently. It is not a small boat. One of the questions I get asked by colleagues is how much it cost. I have always been very cagey about the answer to that question. Explaining where the money came from and why I am still working if I can afford something like that is a conversation I don’t want to have.