A Quote by Michelle Singletary
Save what you can toward the emergency and life happens fund. But don't worry yourself sick at the slow growth. The point is it's growing even it's just one dollar at at time.
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If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.
You cannot force growth of human life and civilization, any more than you can force these slow-growing trees. That is the economy of Almighty God, that all good growth is slow growth.
Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.
There is slow growth, but it is positive slow growth. At the same time, ratios of debt-to-incomes go down. That's a beautiful deleveraging.
Over time, there's a very close correlation between what happens to the dollar and what happens to the price of oil. When the dollar gets week, the price of oil, which, as you know, and other commodities are denominated in dollars, they go up. We saw it in the '70s, when the dollar was savagely weakened.
When AIDS emergency broke out and was killing millions in Africa, the Global Fund was created so that a level of generosity would show up and buy the medicines to save those lives.
You don't have to either choose to save the world or become a sellout. I say to people, "Listen dude, how can you save the world if you can't even save yourself? Why don't you try to affect one person's life who's in your life, and that would be historic."
I know it makes sense for me and him to just break up now and just live our seperate lives and not have to worry about missing each other all the time. But when I think about that, I get sick. Physically sick. Like I seriously throw up. I need to be with him, even if I can’t, like, be with him.
You have no control over the market. You can't predict where it will go, and you can't bring it back from the depths. What you can do is save more. Make sure you have cash on hand - an emergency fund of at least six months of expenses.
I don't worry about it because we are all growing old. If I were the only one I would worry. But we're all in the same boat, and all of my friends are coming with me. We all go toward old age. How many years left we don't know. We just have to accept it.
Sometimes they threaten you with something - something you can't stand up to, can't even think about. And then you say, Don't do it to me, do it to somebody else, do it to So-and-so. And perhaps you might pretend, afterwards, that it was only a trick and that you just said it to make them stop and didn't mean it. But that isn't true. At the time when it happens you do mean it. You think there's no other way of saving yourself, and you're quite ready to save yourself that way. You WANT it to happen to the other person. You don't give a damn what they suffer. All you care is yourself.
The point is, you see," said Ford, "that there is no point in driving yourself mad trying to stop yourself going mad. You might just as well give in and save your sanity for later.
If you make the decision to send your kid to public school don't even look at private schools. Just shut the door. Just turn off the TV. And then you don't even have to worry about preschool. You have to worry about what's good for your kid, but you don't have to worry about how to position yourself.
I favor the policy of economy, not because I wish to save money, but because I wish to save people. The men and women of this country who toil are the ones who bear the cost of the Government. Every dollar that we carelessly waste means that their life will be so much the more meager. Every dollar that we save means that their life will be so much the more abundant. Economy is idealism in its most practical form.
I've always felt like my job is to protect my sister. Even growing up, on the playground, when my sister was too shy, I would speak for her... I even had dreams where I had to save her, growing up, all the time - like, she was falling, and I had to save her.
Working in the garden . . . gives me a profound feeling of inner peace. Nothing here is in a hurry. There is no rush toward accomplishment, no blowing of trumpets. Here is the great mystery of life and growth. Everything is changing, growing, aiming at something, but silently, unboastfully, taking its time.
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