I’m rich or maybe not?

I have been receiving emails the past couple of days, okay actually the last week too about how much money some nice person wants to give me….. I mean WOW…. A billion dollars is a lot of money and it could be mine if I just send them my bank account info and $7,000.00 …. I guess that is a small price to pay for sooooo much money, but why me??? I don’t know those folks and out of nowhere I am getting emails offering me that kind of cash….

Somehow I don’t see it being an honest offer, but then there are the other emails offering me ways to spend my money….. Do they know that I was offered a billion dollars??? And besides that I could get even richer if I watch a video about how a grandmother became a millionaire overnight….. Now that is something….. Go to sleep wake-up the next morning and “Bingo” rich!!! I bet the elderly women won the money playing bingo, but they don’t want to tell me…… Bingo parlor here I come!!!

To be really honest, I am not a bingo playing person, so I guess I will have to watch another video on how to make a fortune, and then spend it on some great offers that is sent to me……..

Then there was an email that I received yesterday in the subject line they called me a “ jerk”… now that person who wrote that really needs to think and learn how to write, because if I wrote to people and friends with the word “ Jerk” in the subject line….. I know for sure they would not be too happy and would say “Good-bye friendship”. I feel some folks are just plain cheeky and I think they are “jerks” too!

What confused me was the email saying that they were trying to phone me and that I didn’t answer my phone and all I had to do was give them my phone number and they would call me back….. But in the subject line was “we tried to call you and you didn’t answer”….. Somehow a bit contradictory …. I mean really if you know me you know my phone number and that is the point…. I don’t think they know me and are trying to trick me like all the others with the offers of money and so forth.

But reading can be fun…. My question from April this year can be answered now….. I don’t even remember asking a question in an email; but then again my brain isn’t that young anymore and maybe I did ask…. I didn’t recognize the senders name so I guess I never asked anything in April that was important and if it takes so long to answer my question then it wasn’t that important, so forget it!! Press delete…..

And what is so great is the names of the people who send those emails… it is beyond me though; sometimes I think they get their wires crossed themselves… I got 6 emails from the same person, but in different countries.

But my order has been fulfilled and all I have to do is send the money and sooner or more like never I will get my goods that I have never ordered……. Their imagination seems to be getting somewhat limited here.

Read on but don’t click on those wonderful and often to good to be true nonsense…

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What to Wear??

That is always a good question for us gals…What to wear or better said: What should I wear when I go out after? My closet is crammed full with fashionable items or at least in my eyes…. Maybe I should get my eyes checked then get back to you…..

But the 2015 summer fashion season has just begun and there are thousands of tips tricks and new or so they say styles out there just waiting for me. I want to be fashionable!! Though I must be honest some look the same as last summer only the price has changed and the color for 2015.

Now being a gal of frugal means I always take a closer look at all those great things on offer before making that all important decision as to what to buy for summer 2015. I have this dilemma every year and somehow it always seems to creep-up on me unexpectedly without warning… I am sure some of you gals out there know what I am talking about??? There is the new pair or pairs of sandals, maybe a dress or two, shorts, tops, bathing suits, and so forth…. Plus, the matching make-up too.
Summers can be stressful!!

But as a gal who wants to be somewhat trendy I started taking a closer look at the fashion pages online and discovered some things that I already own, and that is for years now… So, I surfed a bit more only to be confronted again with things that I already own…. Okay the color is different, but the style is the same!! There you go…. A major problem is brewing and the season isn’t even in full swing yet!!!

Of course I could always get advice from friends or other people, but what they like isn’t always what I like and how do you tell your friends that you don’t like what they have picked out without hurting their feelings??? I am sure you can relate to that…..

Plus, I need a bank loan to buy all that stuff… Sandals: $ 600.00, Shorts: $ 245.00, Hat: $ 165.00, Dress: $95.00 (cheap…. Buy 2), and last but not least a summer sweater for $ 308.00 …… And I still don’t have a bathing suit and the worst part is now there is no money left over for my summer vacation….. But I have expensive clothes and I hope everyone will notice that I paid a small fortune for them too!!!! Please note the labels, so you know that I am a cool person!! Coolness here I come…..

Though maybe I could do without the hat and wear my hat from last year…. Do you think anyone would notice???? Probably not, so I’ll take the chance and wear it this year too. I feel better already by saving a bit of money…… But still the thought is lingering in the back of my mind…. I want to go on vacation, so it is either cool clothes or a cool vacation……. I think I have to think about this before I decide on looking cool or visiting a cool place….

No hasty decisions ….. Think about it!!

Save Me A Cent

All I read lately is about how bad times are and that we are all trying to save and get ahead somehow. Yes, that is sad that the “good times” are over but shouldn’t we make the best of what we have???? That was how it was when I was a kid. But, modern time’s people living beyond their means or can or could cause problems or the influence of things that are out of your control….

I’m no financial wizard nor do I want to be but the advice from around the globe as to how to save a penny here and there seems somewhat overrated in my eyes and so I have interpreted the ways to save cash in my words:

Penny pinching: It may be cool in certain circles but for those less fortunate who have to pinch every penny it may not be so fun …. So that sort of advice you can take it as you see best for yourself.

Secondhand-stores: They have always been around; only before no one ever gave them a second thought until nowadays were the trend to be trendy is to shop there… I need to be in!!

Gardening & good living: We have always done gardening but nowadays it’s not for pleasure it’s a must for many. But you can say what you want home grown veggies taste really good and it does give your life that little extra and to see the results of your garden and to say…. I did that myself !!

Hotel Balconia: Many of you out there may not have heard of this great place and it should be on the top of your vacation list! Hotel Balconia has a very familiar flair you don’t need to drive hours to get there and it offers all the luxuries of home… Have you guessed where it is??? Right – staying at home

Cleaner air: Maybe a fact where you are living but isn’t that only because you can’t afford to drive your car and the factory around the corner that employed so many people shut down and moved somewhere else (you all know why). A positive fact is that if you own a bicycle you can get it out and ride around and enjoy the clean air and get exercise at the same time, and save going to the gym for a workout( now that’s a money savings tip!)

Books: First spend your hard earned money on an e-reader and then you can read to your heart’s content as long as you have paid your electricity bill to recharge the battery in your e-reader and have enough money left over to buy the e-books. Logical conclusion in my eyes as long as you don’t need to buy glasses…..

Divorce: No one in their right mind will get a divorce nowadays it’s too expensive. So they stick it out with their partner, and as the “old saying” goes, and now it holds true ….. For better or worse- Honey we are staying together no matter what!!!

Families: These days when people are penny pinching , gardening , not divorcing and Hotel Balconiaing it, then naturally they are together and will eat their meals together.. What else is there to do except be together and be a family… Wasn’t it like that too in earlier times before the computer????

This whole business with saving, reading, gardening and so forth has worn me out already.. So those of you out there reading this… Take a deep breath and clear your mind and approach your life as you see best!!

P.S. Just a little thank you to all of you people out there who are reading & following my blog.

Winning Strategy … Not Today!

The amazing fact that there is endless information about everything nowadays and the amazing fact is; do we need it? What about playing the lottery you ask; well there seems to be a strategy that one should use as I read a while ago and if I follow those strict rules I am bound to be a winner of a tremendous amount of money….

WOW you say and is too good to be true. I think the same but that wonderful email told me differently and would give me the needed knowledge (that word I would use abstractly) to play the lottery and become a millionaire overnight! I feel rich already and haven’t even invested a cent….

Like always when my guy gets wind of anything that I think is a great opportunity to invest; say $2.00 and win millions – how can one not jump on the band wagon? Always a party pooper, but then again he may want to protect from those devious individuals out there sending those emails promising me to win millions playing the lottery.

I called around earlier to my gal friends asking them if they got the same email that I had gotten and low and behold a couple of them had… what a relief that I am not alone but then again my chances of winning millions is decreasing because of the competition from my friends… My friends knew right away when I asked, that I had the same plan as they did and refused to say more about how they were going to win the lottery. After contemplating on the subject I decided to call them up again and invite them over for coffee and of course… PRINT OUT your email or no coffee!

Well, there was a commotion at my front door when all my friends showed up with their trusty email’s in their hand.. There we gathered at the kitchen table and showed our emails to each other, and then a disappointing fact was brought to light! What you are thinking?????

There was small print at the end of the email saying that we only have to send $50.00 to them to learn how to win at the lottery. My dream of becoming a millionaire died at that second and so did that of my other gal friends too! Why does the small print written on everything take something from you and only the big print may give you something????

So, remember before you want to get rich…. Read the small print because it maybe more expensive than it’s worth!

My Wallet has a Problem

It must be true because I read it that people tend to spend grubby cash notes [paper money] faster than crisp new notes from the bank. I never gave this much thought until today and so naturally I had a quick peek in my wallet only to find that none of the bank notes are brand new. A sad day for me but a good reason to go shopping!!!!!
Shopping mall here I come – my wallet is burning

I mean really who wants dirty bank notes in their wallets??? Not me and so from now on I am going to always ask for fresh clean notes when I go to the store, because I do not want to get my change back and it’s some grubby looking note that could ruin the look of my wallet…. What would my friends think of me?????
I can see it now I am out and about with my gal friends and I have to pay for something ….. I am starting to get nervous at the thought! Well, I open my wallet and staring at me are old grubby used bank notes. My gal friends would just stare at me in disbelief and ask me “what has happened to you?” The pitfalls of paying cash..

This seems to be a dilemma that I will have to live with and I do hope that all my gal friends don’t look down on me because I don’t have fresh bank notes in my wallet… Though I should take a peek in their wallets too see what the state is of their bank notes are and if they are grubby looking than I won’t fell soooooo bad. My day is saved!

But before I go shopping today I’ll make a quick stop at the bank to ask for a couple of new bank notes so when I open my wallet it doesn’t look like I only carry around grubby looking notes with me… the stress of money!

Who ever thought that it would come to this point in life that we only want new bank notes in our wallets? I am happy just to have some notes in my wallet whether they be old or new. I like cash in my wallet! And so I say too those folks with only new bank notes in their wallets that money is money and it all spends the same way whether new or used.

Enjoy your cash in your wallet and don’t spend it all in one place!

To short for the bank?

I always believed that it would never harm you to put a bit of your money where you can’t reach it but what I didn’t think was that a bank in some European city literally did it.

I am like everyone else and sooner or later I need a bit of cash so that I can make some necessary purchases such as shoes, handbags and maybe once in a while some groceries, but what I didn’t know was that if you are under a certain height of at least 6 feet you can’t withdraw any money from your account.

I feel somehow that those folks at the bank wouldn’t want me to make any withdrawals because I am shorter than 6 feet tall so therefore disqualify for withdrawing money from my account.

But what they didn’t reckon with was that just because the ATM is 6 feet off the ground in the side of the wall at the bank was that as a gal like me who owns a large handbag has her trusty fold up ladder with her for any situation.
All I have to do is go to the bank open my handbag and get out my ladder and join it together (similar system to tent poles) and lean it against the wall and climb up it and place my card in the machine and presto out pops my money.

Though there are some problems at this bank because maybe some gal customers forgot their handbag fold-up ladder, but if you open up a new account with them you will get one when you make an initial deposit of $100.00.
So no worries!!

Guys on the other hand may want to try the mountain climbing method because it’s easier to carry around some carabiners then a fold-up ladder unless they have their briefcase ladder with them. The briefcase ladder functions the same way as the handbag model. But for the mountain climbers there’s already rope on the wall so you just need to bring your own carabiners with you. These you can stuff in your pocket before you go to the bank.

So plan ahead before you make your next cash withdrawal!

What’s really interesting about this bank is that sometimes we all are a bit forgetful and leave our ladder or carabiners at home, so for a small fee of $5.00 a second allowing you to rent either of them, plus you have to sign a rental contract first just in case you damage either the ladder of carabiners and then you have a $60.00 users deposit and only get it back when you return the ladder or carabiners back undamaged. Also, the rental fee and deposit is automatically booked directly from your account so you don’t have to withdraw any extra cash to cover the rental fee.
But if you are a bit strapped for cash then they will under no terms let you use their ladder or carabiners. But there may be someone nice by the machine outside and let you use theirs, so I wouldn’t worry about this too much.

If the weather is bad then you should really plan your trip to the bank because there’s nothing worse than a torrential rain storm and you realize that you need cash!!

There you stand in the rain putting your ladder together or trying the get your carabiners out and getting soaking wet at the same time. My advice is: Either have your ladder or carabiners ready and your rain coat on or postpone you trip until it stops raining if you can.
Plus it’s better if you go to the bank with a friend because this way one of you can hold the ladder while the other does their banking transactions.

Also, the ATM accepts coins too, so if you want to deposit them into your account you can do so. But don’t let them fall out of your hand because you will have to chase them everywhere and I am not sure if everyone standing in line with their ladders are honest. So take heed when doing that!

So next time you realize that you have to go to the bank -> Don’t forget your ladder or else no money for the weekend!