
Changing my theme to “health wealth and happiness” and putting my journey out there for the whole world to see is like trying to do my first head stand. It’s awkward and clumsy and I can’t quite find my balance, but I know I’ll be ok because I have some super duper friends to catch me when I fall. Or at least have a laugh with me. Thanks so much for your kind words!
‚ÄúI like the simplicity of your new design and I‚Äôm interested to see what you will share on your site!‚Äù – Ann, Sioux Falls, SD
‚ÄúLove the photo. hope you find all the answers that you seek.‚Äù – Barbi, Orlando, FL
‚ÄúLooks great: Very clean & spiritual.. Looking forward to your posts!‚Äù – Ted, Austin, TX
“I like it. I’m in.
‚Äù – Igor, Vancouver, Canada
‚Äúcool. I will subscribe to the feed.‚Äù – Anja, Minneapolis, MN
‚ÄúI LOVE your new blog‚Ķmore recipes like the feta/olive one please!!!‚Äù – Jennifer, Sioux Falls, SD
‚ÄúI have just visited your blog and you have so many wonderful and inspirational thoughts. I especially love how you no longer hate getting up in the morning.‚Äù – Liz, Boulder, CO
‚ÄúNews on another blogs, Carla Kay White has changed from random posts focusing more on web development tools and tricks to a theme of Health, Wealth & Happiness.‚Äù – Chris, Rochester, MN
‚ÄúYou sorta sound a bit like a new age hippy.‚Äù – Colin, Sioux Falls, SD
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This is an odd post for the peak of summer in July. But I have to confess, I‚Äôm freaking out about winter coming. Like a squirrel packing away nuts for the winter, I‚Äôm storing up projects to get me through those insanely cold months – books to read, pilates lessons, sewing projects. Everyday I add something new hoping this grand ‚Äúto-do list‚Äù will somehow make the winter months fly by.
Then I realized, as my heart sank because I was watching the first pack of geese fly north, that I’m going about this all wrong. I need to forget about winter and focus on our wonderful summer instead. Why aren’t I planning how to enjoy every warm-weather, sun-shiny moment I have right now?
As we enter August, my wish for all my northern hemisphere readers is live in the “now” and have the best summer days ever. I plan to.
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There’s a lot of advice circulating about what to do with your finances during the bear market. As we wait for the market to bottom out (hopefully soon), we’ve been contributing more to our savings account than the market.
A few weeks ago I charted our income vs expenses over the past 12 months. I went through all our savings account statements and was shocked at how quickly our interest went down over the months despite increasing our balance. In fact, we were earning mere 0.15% on our money. That’s better than losing it on the market, but it was time to change.
A friend told us about eTrade’s saving account services. I already use eTrade and have been pleased with their service, so I decided to check it out. The benefits are clear.
| eTrade Complete Savings | My Bank Basic Saving |
| 3.3% interest | 0.15% interest |
| no ATM fees | $2 to use other ATMs |
| Free Bill Pay | $6.95 per month |
Let’s do some simple math. Moving $1000 to an eTrade savings account would make me $33.00 a year in interest compared to $1.50 from my current bank. In addition, I would save $83.40 a year in my bill pay service. Top it off with saving a few $2 ATM fees, and that’s $120.90 more in my pocket from just moving $1000 over to eTrade.
There’s plenty of other banks offering better interests rates. I picked a service with which I’m familiar. I also based my decision on the usability of their site (also why I chose my current bank). Hopefully the bull market will kick in this fall like many analyst are predicting. Until then we’ll park our cash and read up on some good investment books.
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A few days ago I heard the word self-esteem and it resonated with me. I wrote it down thinking “I could use some more of that.” I didn’t give it much thought until this morning as I was crawling out of bed. The word popped back in my head along with a possible way to work on my self-esteem without building up my ego. This is my grand idea:
Keep a list of 5 great things I do each day. I keep a gratitude list, so why not make another list about my small accomplishments? This isn’t bragging, but rather recognizing how I managed to listen to my true self and let that person transpire.
I got out of bed, made a cup of tea and started reading my book. The chapter’s topic happened to be about the same thing. Here’s a few highlights worth mentioning:

If you haven’t discovered the glory of Post Secret yet, take a look. People mail their deepest secret on a postcard to this guy in Maryland then he puts them on his site. I’ve always been tempted to send a secret but not sure which one to pick.
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