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Subscribe to this list via RSS Blog posts tagged in Pagan savings challenge
Pagan savings challenge, week forty-two:  towel

Forty-two weeks of saving -- that means only ten weeks left!  These next ten weeks -- nearly 20% of the time spent raising this energy -- is going to account for $475, or more than a third of the total by year's end.  That's kind of like my mortgage, but in reverse.  Compound interest, working for the common good.  How about that?

It's how compounding works with money:  it adds upon itself.  When you owe a lot, like my mortgage, the interest I'm paying is based on how much I owe.  My monthly payment doesn't change, and when we started paying it was barely over the amount of interest the principle racked up in a month's time, leaving only a tiny bit to pay off the original loan, which is what the principle is.  Over time, that amount does go down, let's say by a dollar at first.  Next month, when they calculate the interest I owe, it's owed on one dollar less, so maybe I get to pay a penny less in interest, and a penny more in principle.  As the principle goes down, the amount of interest I'm paying each month drops faster and faster, until that blessed last payment, which should be pretty much all principle.

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Pagan savings challenge, week forty-one:  sacrifice

Now that I've obtained a bigger basket, let's talk about about sacrifice.  Over forty dollars a week is now going into this work, and I'm definitely feeling the pinch.  I've got to think twice about choosing a slice of pizza over preparing a sandwich at home.   Not only isn't there as much money for little treats like that, I can't make shopping decisions on the fly like I did a few months ago.  If I need kitty litter, I can't just grab a bag when I'm in the neighborhood, because it costs as much as my weekly savings nut (I get the wheat-based litter, because trust me, clay may be cheap but it's far more costly to us all).  Instead, I must plan ahead, budget for cat litter, and watch for sales.

This is the toughest part of intentional spending for me -- planning ahead.  Letting go of the impulse, rather than acting upon it.  Looking to the future, instead of living in the moment.

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Pagan savings challenge, week forty:  I need a bigger basket

This money sure does start adding up quickly, doesn't it?

Yes, but not all is rosy sunshine when you're diverting a greater and greater amount of money to savings each week.  I really need to talk about sacrifice more, but not today.  Gotta earn some money to save next week!

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Pagan savings challenge, week thirty-nine:  size doesn't matter

Astute readers will note that my stack of saved bills is significantly smaller than in past weeks.  That's because I was changing money at a local business expo, so I couldn't commit my small bills to Poseidon's care.  I've been using smaller bills precisely because the growing pile conveys a visual message of growing wealth, but this week's twenties represent more wealth than last week's singles and twos.  What now?

Readers probably think this is obvious, but there's an important lesson here.  Our senses can mislead us as to value, as to power, as to worth.  The value of a bill is caused by our society collectively imbuing it with that value.  It's much the same as how an object is charged for magical use or sanctified for religious purpose:  the physical substance does not always correlate with what's within.

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Pagan savings challenge, week thirty-eight:  stacking up

At this point in the year, the money accumulated under via the Pagan savings challenge is building up at a significant clip, a hundred dollars being added about every three weeks.

Pat yourself on the back, friend Pagan; you are raising energy.  You are saving money.  Stay the course, we are almost there.

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Pagan savings challenge, week thirty-seven:  changing money

One of the reasons we fail to save money is because we fear it, and what we fear we don't think about as if that will make the fears -- and their causes -- go away.  To solve this problem in myself, and keep me on track, I am awash in money; I started a money-changing business.  Money changers have a long history, because for every solution money brings in simplifying exchanges, it creates three more for people that have the wrong kind of money.  I deal solely in United States currency, because merchants in my area often don't have the right kind of money to give in change, particularly when banks are closed.

Immersing myself in money forces me to think about money, which is actually as much of a challenge for me as it is for other middle- and lower-class folks whose lives are in many ways defined by the stuff.  It also allows me to engage with money magically, for every exchange is an opportunity to use money's true power.  It makes my every transaction more intentional, and the results are in:  I expected to be struggling to keep up with this challenge by now, but I'm not.

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Pagan savings challenge, week thirty-six:  money on the move

Being away on a trip isn't a reason to skip saving for the week:  set it aside before, during, or after!

Before is how good planning and discipline occur.  It ensures you don't spend money destined for savings.

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