World’s Toughest Job. A gift from my daughter.

My daughter sent this link to me. You might have already seen this, but it was new for me.

Recently a Boston agency posted a postion for ‘Director of Operations’.  Many people viewed it, but only 24 applied.  I can understand that after reading the main requirements listed below.

Must be able to work 135+ hours a week
Ability to work overnight, associate needs pending
Willingness to forgo any breaks
Work mostly standing up and/or bending down
Must be able to lift up to 75 lbs. on a regular basis
Ph.D. in psychology or real-life equivalent
Crisis management skills a must
Ability to manage a minimum of 10-15 projects at one time
Ability to communicate at all levels (basic to advanced)
Ability to improvise
Proficient in handling sticky situations (literally and figuratively)
Ability to coordinate multiple, often conflicting, schedules
Ability to make independent decisions on behalf of others
Ability to work with associates with minimal ability
Ability to work in a chaotic environment
Frequent travel; minivan driving experience a plus
Excellent interpersonal skills and a collaborative approach
Flexible when it comes to surprise requests
Demonstrated knowledge and experience in negotiating, counseling and culinary arts
Unlimited patience
Understanding of social media, mobile devices and video games
Understanding of finance
Understanding of medicine
Selflessly driven
Valid driver’s license, CPR certification and Red Cross membership
Ability to wear several hats, professional and domestic
Positive disposition at all times

Would you have applied for this job?  Watch and find out if they found someone who would do this.

P.S.  I teared up at the end, so thank you Katie, I agree. I am grateful too!


Smart Money, Smart Kids….Smart wedding advice.

This is Part II of a three part review series of the book, Smart Money, Smart Kids.  I had the pleasure of being chosen to take part in the ‘launching’ of this book and I’m pleased to share this with all of you.

Budgeting:  The Wedding Budget

The budgeting chapter of this book was pretty good, explaining how kids can learn to budget the money they have.  There is a great section on expenses for teens, and how they can manage their money.   But when I saw a whole section on the topic of a wedding budget?  I got excited! Since my daughter just recently got engaged, it was very timely.  Although extremely happy and excited for my daughter, I did have some anxiety as to how I was going to contribute with college tuition already taking a big chunk of my budget.

As my regular readers may recall,  I’m not new to this whole wedding thing.   It wasn’t too long ago that I was helping my oldest daughter plan her wedding.   I am well aware of how a wedding budget can get somewhat off track.  Emotions fly high, and what I budgeted for and what I actually spent were quite different amounts.  I ended up spending about 50% more.  Yes, you read that right, I spent DOUBLE what I thought I was going to spend!

That simply can’t happen this time, as there is no room in my budget.

Thankfully, I got a few good tips on how to handle a wedding budget as parents of the bride.  Here are some highlights:

  • Set a firm budget and stick to it Come up with a figure that you can afford and give to the couple.
  • Give the couple their first budgeting team assignment.  Before you hand them the check,  however, it’s a good idea to suggest that they open a joint checking account and put all the money in there for wedding expenses only.  Not only will they be able to stay on track with their budget, but it will be a great lesson on working a budget together.  Genius.
  • Know that their wedding is not YOUR responsibility.  You can only do what you can do.  Oh yeah, this is the tricky one, especially when my ‘love language’ is all about giving.  Reading this part brought me back to my senses, and my resolve to not go into debt no matter what.  (This piece of advice alone is worth the price of the book!)

This section was very informative with numerous suggestions on how to keep within a wedding budget as well as suggested percentages for each part of the budget.  (I’ll be passing that on to my daughter and future son-in-law.)

In the meantime, I have opened my own wedding savings account and will start putting away the amount my husband and I came up with as our contribution.  And you know what?  I’m feeling better already. :) !

How did you handle your wedding expenses?

You still have time to pre-order the book and get $50 worth of freebies!  Just click on my link in the sidebar.  If you want to read the first two chapters for free, Click here.

Hey high school seniors, want a $5,000 scholarship to college???

Just found this challenge on Rachel Cruz’s facebook page.  They are giving away 3 $5,000 scholarships for high school seniors! All they have to do is take a personal finance literacy quiz!   If you have a senior, you won’t want to miss this.  I’m sending this link to daughter no. 3 RIGHT NOW. :) !

Smart Money, Smart Kids. Work. Spend. Save. Give.

This is Part I of a three part review series of the book, Smart Money, Smart Kids.  I had the pleasure of being chosen to take part in the ‘launching’ of this book and I’m pleased to share this with all of you.

As I started reading this book, and the book’s purpose, I wasn’t sure if it was a book I should be reading, or just simply handing over to my daughter, since she is a ‘new’ mom.   The premise of this book is to teach parents how to raise financially smart kids, so what exactly would I gain from it since my kids are almost all grown?

Would I be disappointed that I missed out?  Or worse, my kids missed out?

I was pleasantly surprised that the answer to both of those questions is a resounding no.

As in Dave Ramsey fashion, this book is divided up into practical principals of money management.  Work. Spend. Save. Give.  Each of these chapters offers suggestions, antidotes, rules, and stories for handling money from both Dave’s perspective and Rachel’s, which makes this book unique.

Truth be told, I was a bit worried about the ‘work’ chapter, as my kid’s didn’t start “paid” work until they were 16.  (Although they have been doing household chores which they do not get paid for.)   I did try at one time to give my older daughters a chance to manage their own money by giving them the same money I would be spending on them anyway for clothes, entertainment, school supplies.  This, I thought, was a way for them to learn how to manage their own money.  However, I remember it not working out so well, not only because they didn’t really want to do it, but that I didn’t really follow through.

This memory became vivid once I read this passage from Dave:

As I look back on parenting the Ramsey kids and teaching the ideas of commission, chore charts, saving, giving and spending, what amazes me most is that our kids still got it despite how often Sharon and I messed up.

Yes, Dave, it amazes me too that both my older daughters learned how to manage their money despite my shortcomings.  They are both adults, earning and spending responsibly, debt free and living below their means.  I’m so proud.  My younger two have been holding their own by babysitting and lawn mowing and hopefully this summer, they will secure paid employment to start building up their savings accounts for college.

So, although I didn’t follow the ‘Ramsey plan’ exactly, I was happily surprised at how many things I did do right.

If you would like to pre-order a copy of Smart Money, Smart Kids and get $50.00 of freebies, click on this link.  You can start reading the first two chapters right away!


Catching up.

Yep.  That’s how I feel about now.

Sorry about being a bit MIA.  All of a sudden life happened and I didn’t have time to post.

A birthday celebration, a trip to NC to deliver a dog, late hours at work, helping one daughter look for a house, another daughter look for a wedding venue, still another daughter needing a prom dress and preparing for graduation, and helping a son search for a college and prepare for the SAT’s.  Too much all at once, says this MOM.

This week’s schedule doesn’t look much better but I hope to have my first review of  Smart Money, Smart Kids up this afternoon.  I forgot to mention that the link takes you to the first two chapters of the book if you are interested.  I’m almost done and I can’t believe how much I actually learned about myself from reading this book and stuff I will be using going forth.  Truth be told, I was a bit skeptical that I would get anything out of it (except guilt) since I’ve pretty much raised my kids.  Thankfully I was pleasantly surprised!!  I can’t wait to share it with you.

BUT, before I can do that, I must tend to the dirty laundry and dirty house.  Sigh.

What are you doing this beautiful Monday?


Smart money, smart kids. {UPDATED}

I was picked! I was picked!

A couple of weeks ago I filled out a form to be part of a launch team for Dave Ramsey’s and Rachel Cruz’s new book, Smart Money, Smart Kids.  Unbeknownst to me (until today), I was picked!  The original e-mail telling me they would like me to be part of their team got lost in my junk mail, darn it, but I’ve already downloaded the e-book version and read the first chapter.  Of course, tonight I might skip directly to Chapter 8 “College: Don’t Graduate from I.O.U.” and see if I can’t glean some advice for my daughter and son who are about to embark on the college journey.

This book was written by both Dave and Rachel, giving both perspectives on money.

In Smart Money Smart Kids, financial expert and best-selling author Dave Ramsey and his daughter Rachel Cruze equip parents to teach their children how to win with money. Starting with the basics like working, spending, saving, and giving, and moving into more challenging issues like avoiding debt for life, paying cash for college, and battling discontentment, Dave and Rachel present a no-nonsense, common-sense approach for changing your family tree.

Although this book seemed to be geared towards parents who are raising young children, I was pleasantly surprised to what it had to offer me, the more “seasoned” parent.  Rachel is one year younger than my oldest daughter, and I loved reading her perspective in the first chapter.  I had a couple of ‘ah ha!’ moments, with memories of how my kids were.

Ramsey Solutions (their new name) is offering a sweet deal if you pre-order before April 22nd. They will include an audio book, an e-book AND a ‘Safeguarding your legacy” video lesson ($50 value) for FREE.


If this sounds like something you may like to read, just click here or in my sidebar to get all of the freebies.

I’ll be reviewing this book in three parts over the next couple of weeks.  There may even be some giveaways!

Stay tuned!


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