$4 Gas

Almost eighty years ago, Americans saw a dramatic drop in their financial well-being. That October day, as Wall Streeters jumped from windows and banks closed their doors, the United States went from the buoyant ebulliency of the Roaring Twenties to the dire straits of the Depression.

People lost their homes to foreclosure, and their jobs to industry destabilization. There wasn't enough food, even at the soup kitchens. Farms dried up and blew away.

Those were hard times.

And today, we have gas prices pushing nearly four dollars a gallon where I live. For regular. Food costs are up 35% since the first of the year. Foreclosures are up 650% in a neighboring county. A friend got a new job -- working to ease the "out-placement" of over 3,000 white collar workers at a multi-national financial services firm once known as a "safe" place to work.

Airline travel, I'm told, will be more expensive this summer and schedules will be compromised as more and more airlines face financial difficulties. At the same time, AAA suggests we drop the idea of long car trips due to the rising price of fuel. So where are you going for vacation this summer? Your basement bunker, perhaps?

The media bleats and blurts: "Doom!", "Gloom!", "More at 6!"

I don't know how you're doing, but, frankly, I don't want any more at 6pm. Focusing on the awful can prevent me from seeing the real -- and the wonderful.

So let me suggest a Personal Finance Reality Check. Do these three things, and see if your mood shifts from doom and gloom to something else.

First, sit down with at least the last three statements from your checking account. If, like me, you do online banking and use a software program like Quicken, this work will be a cinch. Look at your grocery spending -- has it changed? By how much? Your gasoline expenses? Credit card purchases? Other expenses? Get a handle on how much these have gone up, and keep that percentage in mind when you do the second step.

Second, project your expenses for May. Plug in numbers for gas, groceries and other expenses that reflect the rate of increase you've seen in the last three months. So, if you had been spending $200/mo. on gasoline, and you have seen a 35% increase, project a gas expense of $270 for May. Make your expense projection mirror the types of expenses you've had for the last three months -- dining out, travel, clothing, whatever. Be consistent.

Third, total up your projected May expenses. How's that number look against your projected income for the month? Running a deficit? Rather than turning to your credit cards for quick relief, go back to your projected expenses list and see where you can make gentle cuts which result in significant savings. For instance, eating out twice a week, rather than four times a week, will save you plenty. Limiting discretionary driving will use less gasoline. Less gas = less cost. If you, like me, often meet with clients in person, perhaps you could shift to more conference call meetings for the time being.

None of these suggestions are exactly brain science. You've heard them plenty of times from plenty of people far more famous and wealthy than lil' old me.

But, here's the difference. Make these changes in your life not as a punishment, and not from a place of worry or lack -- make these changes because you can, and because they are healthy. Embrace the changes. Be joyful about them. Love that you have the innovative thinking and personal power to take this weird economy and use it for your benefit.

You are not powerless to a jittery economy. No, my friends, you can take this time of uncertainty and shift it from the constant water torture of fear of lack that can be paralyzing, into a great awareness and gratitude for what you do have.

Because what you have is the ability to take care of yourself. Don't let the doom-and-gloomers promising more at six make you forget that.

Investing In Friendships

We're all so busy, aren't we? Seems we're constantly rushing from here to there -- gotta get home, to the office, to the kids' soccer game, gotta take the elderly parents to all their appointments. The dog needs to go to the vet, then there are groceries, laundry, doctors, commitments, obligations, this, that, the other zillion things -- and a ton of stress.

Some people tell me that they're so busy doing all this stuff that they can't make time for their friends. And making new friends? Forget about it. "No one makes new friends after 40" said one woman.

Yet, who's happiest? Research has shown that it's people with the largest social networks. How's your friend factor? Have all you need? All you want? Are you making time to invest in your friendships, and insure your own happiness?

If not, don't worry. There are four things you can do right now to grow your social network.

Make contact: Email is a great tool for nurturing friendships. Though your great-grandmother might be appalled that you're not penning brilliant little missives on tasteful monogrammed stationery using a fountain pen with blue-black ink... contact is contact. Let your friends know what you're up to with a quick email. Or, a simple "I'm thinking of you" can brighten a day. And, if you receive a message from a friend, take the time to respond, even it's just a few lines. Of course, a phone call is swell and a "date" is even better. Read on.

Make time: Regardless of where you work -- The White House or your house -- schedule something with at least one friend at least once a week. Coffee, lunch, cocktails, cow-tipping, or whatever you enjoy doing together. I sense quite a few spit-takes at that suggestion. Wipe off your computer monitor and keep reading. Sure you're busy. Are you so busy, then, that you have no time to be happy? When you make time for a friend, you grow and nurture that relationship. Ignore the care and feeding of friendships until you need them -- and they may not be there.

Be yourself: The best friends are those who accept and enjoy you despite your flaws and shortcomings. Postponing friendships until you lose weight, or have a partner, or that nasty rash clears up -- is just fear talking. Real friends will love having you around, regardless. And if you have to pretend to be someone you're not around a person or group of people? They ain't your friends.

Remember: Memorizing birthdays and astrological signs is not required. However, please try to remember the names of your friend's spouse, and their children. Building a friendship means you need to know your friend's preferences -- when you continually suggest meeting for a nice juicy steak to your vegan friend... you are actually telling them that they aren't quite important enough for you to remember who they are.

And, want to know the single best thing you can do to bring some new people into your life? Volunteer for something. Yep, volunteering -- whether at your job or in your community -- creates bonds with others based on shared experiences and interests. The sense of pride and accomplishment plus the satisfaction of giving back are all great side benefits.

Friendships bring joy, comfort and zest to life. Relationships are a fundamental building block of happiness. Staying too busy to have friends and human connection is simply a way of denying yourself the happiness that's your birthright.

And where's the joy in that?

Get Yourself Organized

Just can't seem to get organized? Feeling a bit out of control? A little swamped?

Join the club.

And, it's a mighty big club.

Organization may the single most problematic task for most of us, according to my completely unscientific poll of clients, friends and family. Oh, and the mailman. So, how about some tips on how to get organized?

Let me be frank here: if other people think you are disorganized but you are fine with how you live, then it's not a problem. For you. Of course, if you have 25 years of old newspapers stacked ceiling high, 85 cats and 43 cases of yams stacked in untidy pyramids throughout your house, you might want to consider that there's a problem... But it's up to you.

If your disorganization makes you late -- paying bills, keeping appointments, forgetting to take medication -- or prevents you from being truly happy, then you need to make some changes. Here's how:

Identify the problem. Take a notebook and walk around your home, or your office, and make a list of the areas that need attention. Be specific. "Hall closet" or "supply closet", rather than "whole house" or "everything". "Calendar" or "paying bills", rather than "time" or "money". Got it? Once you can identify the problem areas, you can make a plan to begin to attend to them. Cherry-pick the easiest task first, and if none of them seem easy, then pick the area where getting organized is going to have the biggest impact.

Break each problem area down into teeny-tiny little steps. For instance, take "paying bills". What's the optimal bill-paying process? Let's write it down. OK. The mail comes. What do you have to do? Get the mail out of the box. Next? Sort the mail. Pull out the bills. Then what? Put them in a file folder? Pay them on the spot? What feels best for you? No, not throwing them into the trash, as much as you're tempted. (Hey, I know your type.) Remember, what you resist persists, so if you hate paying bills and put it off, and off, and off, the problem will only get worse. So, make it as easy and painless as possible. And if you really, really can't get the task done, outsource it -- to your spouse, your eldest child, or hire a part-time personal assistant.

Tackle one problem at a time. We get overwhelmed when we try to pay the bills, organize the files, recast the calendar and write a strategic plan -- all within the same 20 minute time period. Setting yourself up for failure, that is. Take one project at a time (that pesky "Hall closet") and give yourself a realistic time frame for finishing it -- even if that realistic time frame is three weeks. Remember, if you hit the wall on your project, that's OK. Just keep on making teeny-tiny steps toward progress every day and soon enough the daggone closet will be tidy. That's when you get to execute the very best tip:

Give yourself a reward. Honest. Give yourself something nice for having to do such a boring/nasty/unpleasant task. Make it something you look forward to -- a solid hour of Guitar Hero, for instance; or, a long chat with your best friend. Link the reward with the action, Pavlov-style, and you will begin to look forward to knocking other tasks off your list.

The reward I love is free time. I figure that if I knock a project off thoroughly and don't have to come back to it, I can then loaf absolutely guilt-free. Honey, talk about an incentive! Find the reward that means as much to you and you'll find tackling overwhelming organizational tasks a snap.

Birthing a Book

Ladies and gentlemen -- drumroll, please -- I am happy to announce that my book has been published. Lose Weight, Find Love, De-Clutter & Save Money: Essays on Happier Living became available just this week, and I am tickled pink.

More than just being pleased, I have to say that I am somewhat overwhelmed.

When I was 9 years old, I wanted to write a book. I experimented using a marbled composition book with impossibly fat lines, writing a knock-off of The Secret of the Old Clock (Nancy Drew, naturally), throwing in a little bit of Harriet the Spy. I assembled sheets of paper in pocket folders, and made elaborate title pages. I illustrated. One of my early works involved a doughnut with hay fever. (Don't ask.) I went through a somewhat odd haiku-on-onion-skin-paper phase. Oh, I tried many ways to pull a book together.

But experimentation was all it was.

I have been a lifelong reader. Can't remember learning to read, as a matter of fact. Always remember just knowing how to read. Even today, I read a couple of books a week. Love reading. Love learning. Love books.

Now, I hold a real, live book in my hand... and my name is on it.

How's it feel? As writer Diana Gabaldon said of her first book, "It's like giving birth, without the stitches."

Miraculous.

How did I do it? My book is a collection of essays that have appeared in this blog and the newsletter over the past several years. The idea of "writing a book" seemed daunting -- but the idea of writing a weekly essay? Much easier. And at some point, I realized I had the makings of a nice book. Had I not had the deadline of writing here, weekly, perhaps my dream of writing a book would have remained exactly that.

Good lesson, huh?

So, if you'd like to visit Amazon.com and purchase a copy (or two, or three, or four), you can click here: Lose Weight, Find Love, De-Clutter & Save Money: Essays on Happier Living.

And, before I go, let me thank you readers, for giving me an audience to read what it is I write. Many, many thanks to each of you.