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Erica Charlesworth

My Finance Makeover, April 16th Update

4/16/2014

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Making over my finances is much harder than I anticipated. Which is a great lesson in and of itself. Here are my updates:

Change banks:  Now instead of having 6 accounts at Well Fargo, I have 6 accounts at Wells, plus 5 at Umpqua, plus 1 at Golden Credit Union. Sheesh. I've put in the auto deposit requests from Mom's social security and pension income and we're waiting for the swtich to work so then I can change all the auto withdrawls for bills. This is a 60 - 90 day process especially if you include some space for a crisis or two. Goal for completion - May 15th.

Improve Garden: This became part of my makeover during that painful part of the CA drought when there was no rain and it felt so urgent, like I might need to save the water for drinking.  I bought some native plants from a local nursery, planted them and also decreased my lawn space. Also had a consultation by a landscaper for $35, adding to her local economy. AND, then I hurt my back. So now I've been diverted to back/hip improvements, adding more to the local chiropractic and acupuncturist economies.

Revise stock portfolio: I did make some decisions (whoohoo) and for now I'm satisfied with my stock choices (no more Walmart, Macdonalds, Oil Companies, or Boeing), and added some "socially responsible" mutual funds. But I know I really haven't touched the changes I feel are necessary to walk my talk. I'm just still walking to discover what the talk really is. Still looking into Slow Money. 

Self-education update: On Friday I'm attending a SKYPE session with the founder of COPIOSIS, which is a very interesting innovation in socio-economic organization. Essentially it describes in easy to fathom details a Utopian Anarchy. I have just the right astrological makeup to believe that this kind of stuff is worth my time and energy even if I never live to see its fruition.

More $$$ Decisions: I decided not to attend an expensive but well-worth-the-price and local workshop which would most definitely enhance my future. Why? Because Mom needs me is why. Her heart is beating erratically, she is out of breath more all the time, she can't remember if she's awake or what day it is, and she gets sweeter and sweeter everyday and she doesn't want me to go. The cost of getting care for her, plus dogs, plus all the arrangements is simply exhausting and prohibitive. So instead I will improve my future by more fully engaging in My Finance Makeover and in other career related projects which have begun to satisfy me immeasurably already. So all is quite well.  



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    Erica Charlesworth. Writing to soothe that inner voice asking for attention.

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