Quick Financial tip: “are there any discounts available?”

As you know we do finance pieces on this blog from time to time. Please remember that any financial advice you receive here is strictly my opinion based on years of experience, before making any financial decision you should do your own research and become as educated as possible to ensure you make the right decision for you.

“Are there any discounts available?”

Money is extremely important, save it where you can!

You’d be surprised how many are, and equally surprised at how many people never ask. Many people feel uncomfortable asking for a discount when they are making a purchase. I understand believe me I do, but there are a lot of discounts you can get just by asking at the register. Here is another thing to keep in mind, the person behind the register isn’t the “company” they are normal people like you and me. They like discounts too and most people, if they can will give you one.

There may be a sale going on you weren’t aware of, there may be a specific product rebate you weren’t aware of. That’s actually part of a cashier’s job in a retail setting. It’s not just to take your money or up sell you, it’s to ensure you cash out is a positive experience so you will want to come back soon and buy more. Part of how they do that is getting you available discounts. Now will some people give you attitude when you ask? Yes. Aren’t they already giving you attitude though? I mean unfriendly cashiers are unfriendly regardless, so might as well ask.

Will this work every time? No. Will this work more often than you think? Yes. Even online shopping, look at the checkout menu, there is often a “coupon” or “discounts” button click it! Having anxiety sucks, and asking people for things is often uncomfortable, but saving money to help with your financial freedom later down the line is one of the most empowering things you can do now to help your anxiety later.

Do it, ask if there are any discounts available.

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A quick note about this blog

This isn’t a formal post today more of an informational piece about this blog. Recently I have received a few offers to have sponsored content. I vetted the sources and they seem legitimate and not phishing scams, as best I can tell anyway. I appreciated it, but made clear to those who inquired this isn’t a commercial blog. I am not doing this for financial gain, you don’t (and wont) see ads on this blog. There is no sponsored content etc. Product endorsements? If I like something I will talk about it but wont do paid endorsements.

Many people blog to make money or as a side hustle, that’s cool you do you. For me? This is just my corner of the blogosphere. I post what I want, how I want, when I want. Sponsored content won’t happen here, ads won’t happen (I won’t put them on anyway). This blog will always be free for anyone who wants to read it and interact with it, that includes all past content. The only way I would ever monetize this blog is having something like a patreon where if people wanted to support they could, all voluntary. That isn’t happening anytime soon either.

If you subscribe, like and comment on this blog I truly appreciate it. I hope this blog is a small piece of the web you can enjoy a few minutes out of your day free of commercials or etsy’s, or ads or “buy my hat” pitches… It’s “A Gen X Point of View” and you are welcome here, regardless of your age, gender, sexuality, ethnicity, religion. No purchase required, no catches, no strings attached.

Your Pagan Friend,


The number 1 rule to starting your own business/side hustle

No I am not selling anything, I do not have a program or “course” for 49.99, lol. I do though have decades of business experience and before I reveal the #1 rule let me give you the standard disclaimer. You should gather as much advice as possible before making any financial decisions. The views I express on this blog are my opinion based on my experience. They may or may not work for you, this advice is not a guarantee of success.

That out of the way what is the #1 rule? It’s actually more of a question but if you can answer it you essentially have the launch point for a business.

What problem are you solving?

Yes, it’s that easy. Now “problem” has to be taken in context here, it doesn’t necessarily equate to a negative outcome it’s just someone has something they can’t do or obtain on their own that they want (the problem) you provide the means by which they can obtain it (the solution).

So when thinking of a business or a side hustle you have to first think of what problem am I solving here? What am I providing that someone else needs? The core of any successful business is providing that solution for your customer. A lot of these “problems” revolve around time and that’s important here. You might be providing a service, like lawn care, that the homeowner could do but they want to spend their time doing something else.

Anyone can start a small business or side hustle.

The problem there is, the buyer wants to spend their time doing something other than mowing their lawn. Remember that important caveat in the rule, many of the problems you would be solving involve saving someone else time. If you can figure out how to use your skills (or time) to solve someone else’s problem (or need) you can charge for that and people will pay.

Think about your life for a moment and all the people you know, what are some of the issues that come up over and over? I know 3 people in my life who don’t drive but need things you obtain at stores. Now Amazon has made this easier for them, still these people want things locally. This is a problem to be solved. One of them pays someone $25 bucks an hour to transport them. This person drives them around 1-3 hours a week, my friends pays them in cash by the trip. I know you’re thinking “can’t they uber, or take a taxi?” yes but this “assistant” (for lack of a better term) knows the client exclusively.

Simply put they know her needs, they have a routine, it works.

That’s one example of many. If you are thinking about starting your own business or side hustle just remember that one important question to ask yourself “What problem am I solving?” If you have a good answer, you have a business.

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The five things you can do with money. Simple Budget Exercise

Many of us with Anxiety worry about money. There is no way around it, money is a necessity. On top of that we are immersed in consumerism. There are ads everywhere, there are awesome things to buy as well. Clothes, cars, coffee (those are just the C’s) on and on. Thinking about money with Anxiety doesn’t have to be dreaded.

There are 5 things you can do with money:

  1. Earn it
  2. Save it
  3. Spend it
  4. Lose it
  5. Give it away

When you have anxiety, money and money problems can be overwhelming particularly when something goes wrong. Sometimes having things broken down into 5 simple categories can make the difference between a panic attack and a reprieve. Notice the order in which the 5 items are listed. They are listed in order of importance.

The first 3 are absolutes, nearly everyone participates in these. You earn money, you save some of it, you spend the rest on items you need to live. Items 2-5 are predicated on item 1, if you participate in items 2-5 beyond item 1 you will eventually go bankrupt.

The list is very simple to use. Next to item 1, put a number that represents all the money you earn. EVERYTHING. If your grandmother still sends you 20 bucks on your birthday list it. Then list the values next to 2-5 and subtract them from 1.

You’ve just completed your first basic budget. This is a critical process that we all must do to ensure our ongoing mental health and positive relationship with money. The simple exercise is to encourage you to spend less then you make. So, when you add 2-5 if you have anything left over you add it to item 2.

Item 2 then becomes a whole other discussion as this is your savings. However, if you conduct this list every month you should be able to, over time, expand each item to give you a better understanding of where your money is going. Item 3 is critical as many of us are unsure of where all our money goes. Items 4-5 may seem silly “I don’t lose money and I don’t give it away”.

Item 4 can be explained simply as money you don’t know where its going. So, if 2-5 leaves you with a surplus, where is it? Why didn’t it appear in item 2 or 3. Item 4 is a “trick” category to force you to itemize more carefully where you spend. Item 5 is money you may give to people, you buy them a coffee, or you pay a tithing at your place of worship.

I know this was wordy, but in the end think of those 5 items. Money doesn’t have to be stressful, you can exercise control over it. You are doing awesome, one day at a time……