Why starting over is the perfect time to get your money right!

Long story short, my web page has to start over again. Not only is it starting over but it will have to rebuild what it once had. With that being said, I am okay with it. Just like everything else, sometimes it is best to just start anew.

I run this page

This is the accompanying website to my one-woman operation podcast. I also have a Facebook page and a very private Facebook group that is by invite only. I help women who have gotten a late start get a hold of their finances and take control so that they don’t end up old bitter hags who are still working even though they are well past the age of retirement.

Kidding . . . kinda . . .

Seriously though, take control now so that you can do what you want to later. I know it is hard. We all want to have that . . . .

Well maybe not all of us, but I do!

I am Cecily White aka Teacher Ces. I have a podcast that you can find here:

Find Out Which Rules to Break and Which to Follow! Teacher Ces Podcast

#femaleentrepreneur #sidehustle #teacherlife In this video, I explain to you that The Teacher Ces Podcast is coming back for season three. It is time for my return.   🌻 LET'S CONNECT ON INSTAGRAM: See my life and my biz-ness https://www.instagram.com/teacherces   🌻S U B S C R I B E. https://www.youtube.com/channel/UCYnq…   🌻 F O L L O W Website | https://teachercesblog.wordpress.com/…   🌻Instagram | https://www.instagram.com/teacherces/​   🌻Facebook | TeacherCes   🌻Twitter | @TeacherCes   🌻 W H A T  I ' M  R E A D I N G The Simple Path to Wealth: https://amzn.to/3xTyMPH   *Disclaimer: Some links are affiliate. By clicking and or purchasing, I may receive a monetary reward. It does not alter the price or change your buying experience. As always like and subscribe. Follow me on all of my social media platforms!    🌻 TeacherCes Podcast http://teacherces.libsyn.com   🌻 Instagram: https://www.instagram.com/teacherces   🌻 Twitter: https://www.twitter.com/teacherces   🌻 Facebook: http://www.facebook.com/teacherces   🌻 Pinterest https://www.pinterest.com/teacher_ces              
  1. Find Out Which Rules to Break and Which to Follow!
  2. Let's Talk Non-Fungible Tokens (NFTs)
  3. What NOT to do with your Stimmy
  4. That Damn Shot . . .
  5. Getting Pimped for a Slice of Pizza

Teacher Cecily White (Teacher Ces) is all about financially empowering teachers in a matter-of-fact and supportive way. I have obtained a master’s degree in education and an undergraduate degree in communications. I also hold advanced university certification in teaching English as a Second language. When I am not teaching at home online, I can be found working in the public school system as an English as a second language teacher fight outside of Washington DC. Since I haven’t done it enough already, I want to plug my podcast. I am the host of Teacher Ces Podcast on iTunes, Stitcher, and Spotify. My schedule is always busy as the divorced mother of fraternal preteen boy/girl twins.

Staying Healthy on the Road

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You can tell an experienced business traveler from one who is new to the experience. It is easy for someone new to business travel to participate in excesses on the road. As business traveler, you are an adult and you are trusted by your company to conduct yourself in a businesslike fashion during your time out representing the firm. But it is easy to let the idea of an expense account and free time in a far away town get the best of you and to let yourself go as you travel.
These kinds of excesses are the types of behavior that you will see an experienced business traveler avoid. If you are setting out on a lengthy business trip perhaps lasting many weeks and traversing many cities, the road itself can take a toll on your health and well-being. The disruption to your normal life patterns, the hard work and the stress of making connections and moving from town to town can introduce levels of fatigue that can take a toll and even lead to illness on the road. And there is no more unpleasant experience than to be ill while traveling for business and to still have to do your duties despite your poor health.
It is for this reason that observing some strict rules of good living on the road will pay off over the life of the trip and make the rigors of travel much less serious. Much of the discipline of business travel involves simply introducing a daily routine to your life that includes some healthy activities so you can keep your physical, mental and emotional state in good shape and ready for business each and every day. Some simple but effective rules to live by for a healthy business travel experience include…
* Sleep routines. A good night’s sleep is something we take for granted. And to get into a rested state takes more than just a bed and an alarm clock. You have routines at home that you use to cycle down toward rest. Adapt those to life on the road and allow yourself that hour before bed to get ready to rest as well as ample time to rest as well as sleep. Both are necessary for good health.
* Regular exercise. Most hotels have an exercise room or pool you can use to get some motion into your muscles. Sitting in airplanes or conference rooms can cramp your muscles and keep you from maintaining good flexibility. Even if it is nothing more than taking a walk after dinner or doing some simple exercises at night in the hotel, give your body some movement so stretch those muscles and get some fresh oxygen into your blood.
* Time not working. For the sake of your mental health, take some time just for you. If you are in a town that has some fun things to see, get away from the business side of business travel and go to the zoo or a museum or see an attraction to give your mind a break from the stress of business. And take a few hours at night to relax in the hotel and read a book or watch your favorite TV show. You need that mental down time to recuperate and process all that is going on during your trip.
* Good foods. Don’t cave into the temptation to eat fast food. Look for restaurants that will serve you well-rounded meals. Make sure you eat fruits, dairy, vegetables, breads and good healthy proteins each day.
* Don’t drink. Alcohol, while fun, is a huge drain on your body’s resources. The time drinking and recovering makes demands on your body that take away from your stamina and ability to stay healthy each day. So avoid alcohol other than perhaps a glass of wine at night. You will survive the trip so much better if you are careful about your alcohol consumption.
Some of these ideas seem almost ridiculously simple. But if you have done any business travel at all, you know that sometimes the simple requirement of a healthy diet and some time to yourself to exercise and rest can be elusive in a busy work schedule. But if you make it a priority to live well on the road as you do at home, you will come home ready to deal with home issues without having that long time to recover from the trip.

Why Should I Make a Budget?

Calculating The Household Budget

You say you know where your money goes and you don’t need it all written down to keep up with it? I challenge you! Keep track of every penny you spend for one month and I do mean every penny.
You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.
That is how much you could have saved AND drawn interest on in just five years. That is all the reason that you need to create a budget.
If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.
The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.
See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.
Set some specific long term and short-term goals. There are no wrong answers here. If it’s important to you, then it’s important period.
If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.

Rebates – Reward or Rip Off?

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Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.

I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some fabulous deals.

The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks.

Rule #1. Rebates from reputable companies are usually just fine.

You can be pretty sure you will get the promised rebate from Best Buy, Amazon or Dell but you should probably not count on getting one from a company you’ve never heard of. If you really want the product and are OK with paying the price listed then buy it but don’t count on actually getting the refund.

Rule #2. Check rebate expiration dates.

Many times products will stay on the shelf of a retailer after the date for sending in the rebate offer has expired so check that date carefully.

Rule #3. Be sure you have all the forms required to file for the rebate before you leave the store.

Rebates will almost always require a form to be filled out, a receipt for the purchase and a bar code.

Rule #4. Back up your rebate claim.

Make copies of everything you send in to get your rebate including the bar code. Stuff gets lost in the mail all the time and if the rebate is for $50 it’s worth the trouble to back up your claim.