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JOYCE'$ MONEY COMMENT$ ABOUT MONEY and $TUFF

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December 22, 2000           I've been working 10 hour days in San Marcos? As my job in here ended till Jan.,  I haven't done anything to the web site, as yet and problem wont till this job ends Jan. & then I want to get hot on it. I am ready for Xmas or so I think. I am proud of me I didn't use the credit cards and gave less even though I still have that "not enough" stuff.  So have a Merry Christmas. December 26 Hi, Hope you got everything you wanted for Christmas. We had a quiet one, very nice. And I got lots of goodies.           Well I quit my job. 10 hours day was too long and I didn't have time for anything. Back to basics, God is my supply and its not up to me. I have to be able to enjoy the journey to where I'm going. Boy I don't know how I get caught up in oppressiveness. I guess I forget and think its all up to me.           But I said whoa, wait a minute, this is not how I want to live. As you can't have a life that way.  So I'm home enjoying my dried tree and decorations before I take them down.           Well now the printer on the computer is down. I didn't do it. I don't understand what goes on with all the works of this stuff, or if its Bobbie's fault, or s--it happens.            I don't understand why do I need to take Money Makeovers?  Because I'm not a millionaire yet or what? I had a friend question my qualifications about facilitating the course.  I told her I have taken many courses. Any way she knows how to push my buttons if I let her. The course to her a will be double $$. But, of course she doesn't need it.  December 27, 2000            Hi, I took down the dried tree and put away all the Christmas stuff,  what a job. I am ready to take Money Makeovers to see how it works  on the computer and so I can work it. Now we go into the birthday mode. reserved the club house for the party and that's all I'm going to do. The party is Jan 7th.  I had to pay, they said it is a donation! I thought donations are something you want to give, not have too.           I have my job again with Mona here in the complex starting Jan 8th at 11.30 a.m. till 6. p.m. Perfect so I can have my mornings to do computer stuff. Well I want to work on my stories of exchange students.            I found out if this gets really busy I'm going to have to get my on phone line and that's $130. I'll wait till that bridge happens. Happy writing, love Joyce

Abundance- Your Divine Right I accept the opulence of Spirit as a natural part of my life.   I dwell in the Promised Land of God's unlimited and everlasting supply                                                                              Author Unknown

January 11, 2001           My qualifications as a facillator for money makeovers is 00, as a money handler  who's lost, spent , gone into debt  and gambled I will share  with you what worked for me and what didn't. It's a spiritual based program that is working for me, after trying for many years to muddle through on my own. Now I know it's not all up to me. All I have to do is relax, enjoy the journey and do the foot work.           By no means am I handled or a millionaire yet. But the fear is gone and I live into today. I still have things to clean up and can't say I like it, for instance I spent 1 hour on the phone with Social Security to straighten out my work record. But these are  things I have to do to move forward. Clean up and out.           There are many rewards to prosperity besides money, like getting my phone fixed by a retired phone worker, for $7.00 instead of $146  the phone company wanted. If we pay attention, there are many little bonuses and extras the universe gives us.

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May 2002 CLEANING UP MY ACT              I looked up Financial Planners on the Internet and found one that would set it up for a donaton of $400.00. I thought that was too high, so let it go and didn't do anymore about it.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             I   SET IT           Then one day my friend called and said she heard on the radio a Financial Planner in Carlsbad and gave me the phone number.            I called and set it up for a donation of $20.00 a month. They said it would take 5 years, But I plan on paying extra monthly, that is my goal to get out of debt.  $20, 000! WOW how did that happen? I took my inventory once again and found its hard for me to say "NO," especially to my family. After all, I want them to love me and I'm a nice person .I would loan them money on my credit card and I would pay the interest. Some times they would pay me back, but only part of it and forget about the rest.           Once again those old patterns from childhood surfaced.  I recently sold my house, to downsize and get out of debt. Now I have to learn to be a good steward with my money and to say "No" to my children and their problems. But what if they won't love me?            I put myself on a budget and plan to live on my retirement. Boy these things aren't easy to implement.  We weren't taught money managing in school. This is my third chance to get it right: having gone though the proceeds of the first house I sold, my mother's inheritance, and still ended up with credit debt.  First thing is to tithe then pay  myself, no matter how small. Now I think I'm on the right tract.