Happiness found in a cookie….it’s the small things that make me happy.

Happy Tuesday guys.  Lately, I’ve been going to Barnes & Noble most evenings after work to study for the CFP exam, which I’m scheduled to take this coming November.  However, I never can sit in the cafe area, which is actually a Starbucks, without purchasing something.  To tell you the truth, I’m not all that keen on the coffee, it’s too strong for me, but Lord help me, I love the pastries and especially that salted caramel toffee cookie….it is to die for.  I find myself buying one every time I’m there.  As a matter of fact, I bought one yesterday.  I’m beginning to think that this little cookie is fast becoming one of my weaknesses….I can’t help it….I love those cookies. I find myself getting excited and longing for one every time I know that I’m going to go to B&N.  Am I coming to study or is it the cookie?  I don’t know….it’s both!

Okay, I know, what you’re thinking…”this girl is crazy talking about a cookie…aren’t there other things more important in life to talk about?”  Yes indeed there are more important things going on in the world other than my addiction to salted caramel toffee cookies but isn’t it just a great feeling to take your mind off the problems of the world every now and again?  Believe me, there will always be something going on that holds our attention.  If it isn’t global warming, then it’s terrorist plots stateside or in the Middle East or the price of gas climbing another .20 cents/gal.  I guess what I’m trying to say is that, every now and again, you should just sit back and think about the little things that make your life or your day happy, i.e. mellow in the moment a little….life is already hard enough.  We’ve all got bills, bills, and more bills….and the majority of us have no choice but to get up everyday and punch the clock.  I’m hoping to exit the stage left of the 9-5 rat race soon, but for now, I’m apart of the gang.

So go ahead, have that latte every now and again if that makes you happy, or if your idea of happiness is kicking back on the front porch or hanging out in the park playing softball….don’t let anyone deter you from doing it because you surely do deserve it.  As for me…I’m going to keep eating my salted caramel toffee cookies and I’m going to eat it slow and savor the goodness and smile and concentrate on the good things in life.

What small simple things do you do that make you happy?



Beware of scammers knocking on your front door

This past Friday, while working from home (I love working from home), a guy knocked on my door perpetrating a magazine salesman.  Well actually, he gave me this sob story about how he lived in the ghetto all his life, how he’s getting his GED and how he just recovered from being shot in the leg and then he went for the punch line….”Can you spare a few dollars by ordering some magazines from me to help support me going to school to get my GED?”  Needless to say, I didn’t buy anything from him.  Does that make me a bad person?

Before you answer that…let me stop right here and say this….  I support people wanting to better themselves.  I’ve always done that by donating to charities such as Goodwill, UNCF, my church and other notable organizations trying that help people….however, what I don’t like is people trying to take advantage of people by using emotions or trickery in language to get someone to purchase something.  This guy was basically a magazine salesman disguised as a THUG…yes I said it THUG (even if he was a legitimate salesman, I wouldn’t have bought anything because he didn’t look presentable).  What got me even more was that I asked him to come to my church this Sunday to tell his story, or rap (he stated that he did gospel rap) to us and perhaps maybe he could get some donations that way.  Well he kindly turned that down or rather should I say, cut me off and quickly exited the premises when he saw that I wasn’t going to give him any money.  I chalk this all up to him being a scammer or either a bad salesman.  Either way, I wasn’t about to give him a dime….been there done that. 

Call me a skeptic if you want.  I was a victim of identity theft back in 2009, so my antennas are up big time.  But honestly there are scams and scammers all over the place and if you’re not careful, you’ll easily fall into one of their traps.  One can never bee too careful when it comes to protecting yourself. 

Happy Monday by the way.

How to get free or discounted food from fast food restaurants

Happy Friday everyone and welcome to the Frugal Friday Edition of My Take on Money, where every Friday, I give you a frugal tip for the week. 

Today’s frugal tip: How to get free or deeply discounted food from taking restaurant surveys.

Okay, I have a confession to make. I haven’t been paying attention to the receipt(s) that I get from eating out at fast food restaurants.  I’ve been dumping them in the trash without even a second thought.  However, little did I know that I was throwing away an opportunity to get free or deeply discounted food….that is, until a couple of months ago. 

As you know, there are hundreds of fast food restaurants out there and competition is stiff these days. As a matter-of-fact, I get a boat load of coupons in the mail every week.  That’s one of the smart ways restaurants get new and repeat customers.  Another brilliant way is by offering a reward to customers, in exchange for their feedback via customer surveys. Most restaurants are interested in finding ways to improve their bottom line so customer opinion is very valuable.  I personally like doing the surveys because it gives me a chance to voice my opinion about the things I DISLIKED about my visit to the restaurant….lol.

The surveys are easy and normally take no longer than 5-7 minutes in length to complete so it doesn’t interfere with your day.  I’ve gotten free cookies from Subway, free chicken from Popeye’s and $$’s off of a salad at Wendy’s just to name a few.  It’s great because the surveys are a win-win for me and the restaurant chain.  I get to save money and they get valuable customer feedback. 

So the next time you order some food from a fast food restaurant, look at the receipt because you might be passing up an opportunity to get free or discounted food!

Tell me about some of your frugal finds.

"One Women's Perspective on Money, Life and Everything Else….."