Cheap? Free? Maybe. Maybe not.

September 20, 2018

As promised in an earlier blog, here it is.  The big scoop.  The source of excitement.  The opportunity I couldn’t turn down.

Many years ago at Scout camp, I learned to sail a small boat and I really enjoyed it.

Fast forward a few too many years and I was gifted a very small sailboat by a camp that didn’t want it any more.  Before I could get it back to ship-shape (see what I did there?), we decided to move back to South Dakota.  With the move and a new child, I handed the boat off to another family before I was able to get it on the water.

Quite a few more years down the road, and I was presented with an opportunity to buy a sailboat that a camp in Iowa didn’t want any more.  And so, I am now the proud owner of my very own 16-foot sailboat.  I’m excited! Read the rest of this entry »


But wait! THERE’S MORE!

August 30, 2018

2 seconds.  4 seconds.  1 second.  My coworker, Randy, has noticed an interesting trend around the office.  After he pointed it out, I was surprised (not by the fact that Randy was actually right) by how often I found the same thing.

See, we have two different microwaves on our floor for employees to use to heat up breakfast, lunch, a snack, or coffee that sat around a little too long.  And it’s amazing how often people set the timer and then just can’t wait for the last couple of seconds before they have to pull their newly hot item out of the microwave.  2 seconds?  Really?  You couldn’t wait that long for it to actually be done?!? Read the rest of this entry »


What A Gift!

August 23, 2018

I have to share with you – I recently got one of the best gifts I’ve gotten in a long time.  One of my coworkers came into my office and shared that her son had a gift for me.  It was a bit of a process figuring it out because he wasn’t even entirely sure of my name.  He just knew it was for “that really tall guy in your office.”  Well, that pretty well narrows it down to me.  He was apparently very serious and very convinced that that gift was for me and only me.

So after the story and all of the buildup, she finally revealed what the precious gift was.  With my eyes undoubtedly gleaming in anticipation and my hands twitching to be holding that which was so important, she pulled out one single maple leaf.  Read the rest of this entry »


To Give or Not To Give, That Is The Question

July 23, 2018

I have a problem.  It’s nothing new.  It’s been that way for a long, long time.  It definitely impacts my life daily.  At first glance, most would only see it as a definite positive.  But it does create some fallout as well.  And now, it appears that it may not entirely be my fault.  It may be, at least in part, due to my surroundings and what I have been exposed to.  You see, my problem is that I have a very hard time saying “No”.

And I’ll follow that with “But it’s not my fault!”  Or…… at least…… maybe not entirely my fault. Read the rest of this entry »


On Death & Taxes (mostly property taxes)

July 17, 2018

Uncle SamDeath and taxes – the only two things that are guaranteed in life.  Or so the saying goes.  I’m no expert on what happens around the world, but I do keep a bit of awareness on how it works here in the good old US of A.  Did you know that if your home gets foreclosed, tax debt jumps to the front of the line to get paid from the sheriff’s sale?  Did you know that most tax debt won’t go away in bankruptcy?

If you live within the boundaries of the Sioux Falls School district, did you know they just approved a property tax increase for the next budget year?  It went up an astonishing .011 mil for non-agricultural owner-occupied property!  Can you believe it?!?  .011 MIL!!!!

Wait.  What’s a mil?  No, it’s not a million.  Or even a mill, like where you grind grain into flour. Read the rest of this entry »


Food – Gotta Have It. Or Do You?

June 7, 2018

Food.  It’s a need.  In all of the classes I have done in which I ask what a need is, food ALWAYS comes up.  There’s never been any debate that food is a need.  Unfortunately, defining a need isn’t always that easy.  Can you live on ramen noodles?  Do you need meat?  Canned or fresh veggies?  Just easier to go out or order in?  We have a lot more choices to make than food just being a need or want.

This week, in two separate classes, I had two different comments from clients that I thought worth sharing.   Read the rest of this entry »


Confession Time

January 12, 2018

All right, I’m not even Catholic, but it’s time for a little confession.  In our department, we have committed an act of which we speak hesitantly in public.  We are all in on it and equally guilty.  We have high hopes and yet are quite unlikely to actually see any return.  Yes, we who are so focused on credit counseling and building financial stability, are all together in a lottery pool.

And WE’RE OK WITH THAT! Read the rest of this entry »


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