Wasting Somebody Else’s Money

Have you ever had an experience wasting money?  Of course.  Who hasn’t?  But what about wasting someone else’s money? Has that ever happened to you.

I’m sure it’s happened many a time. Heck, just growing up, I probably wasted a ton of my parents money!  I’m thinking of all the toys and activities that I never pursued.  All the musical instruments for band class!  The list is endless.  But, as I’m finding out now, that’s just part of being a parent.  So I don’t feel too bad about it.

But I do feel bad if I waste someone else’s money.  One story I have in particular stands out.  It’s actually got some humorous elements, though I still feel bad.

The Old Beep And Wave

This story takes place right after I graduated college.  I was a young, cocky bachelor in my 20’s.  I moved on my own, but got an apartment with a college buddy.  This worked out well to save us money.  We were (and still are) good friends, so it seemed well.

We were both pretty big goofballs.  The two of us, along with a couple of other friends, got into this thing that we called the ‘Beep and Wave’.

This was short for ‘Beep and Wave the Other Way’.

I’m not sure who came up with the idea.  All of us have claimed it at one time or another.  All of us have also denied it as well.  It all depends on who we are telling to story to.

This activity took place while we were driving.  If we saw someone walking or biking alongside the road, we’d give a little tap on the horn.  When they looked, we would wave.  Except we wouldn’t wave at them.  We’d wave the other way.

This was hilarious to us.  It was even more so when there were more people in the car.  See, the person would see us waving, but eventually realize we weren’t waving at them.  Some would wave anyways.  A few would get mad.  Some would realize what happened and laugh.  Others were just downright confused.

But, it was hilarious to us.  Every once I’ll do it for old times sake.  And, every now and then I’ll get a text from my old buddy telling me that he did it.

When Beeping And Waving Wasted Money

There was one time that this wasted money.  And it wasn’t my money.

My roommate and I needed to go grocery shopping.  To be fair and to split the cost, we decided to meet up and shop together. We met at the grocery store, as it was on our way home from both of our jobs.

My roommate got there first and was standing in front of the store.  I pulled up and saw him.  I beeped at himand waved to the opposite side of the parking lot.  He saw it was me, and turned around and waved at the store.

This was hilarious to both of us and it worked out perfectly for a great story.  Except for the lady with the strawberries.

Unbeknownst to me at the time I beeped, there was a lady coming out of the store with her groceries.  When I beeped at my roommate, she got startled and stopped suddenly.  An entire container of strawberries fell out of her cart and popped open on the ground.

My roommate showed them to me when I walked up and he told me that part of the story.

She was long gone.  She’d continued on and left the strawberries.

But I felt bad.  I still do.  It was just stupid fun, but I ended up wasting this woman’s money as she was out a container of berries.

So that’s my story of wasting someone else’s money.  I’m sure it’s happened at other times, but this is one that sticks out, simply because of the silly nature of it all.

Readers, have you ever wasted someone else’s money?  Did you get the opportunity to make it right?  Tell me your story in the comments below.

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

Have Fun At The Office

If you have an office job, you know it isn’t always fun.  Many places have fun activities.  But for every Google that’s loaded with ping pong tables, there’s 100 offices that have, well, nothing.  Fear not.  You can make your office a fun place.  And you don’t even need to convince management to buy a ping pong table!  Here are some ideas to have fun at the office.  They’re fun, easy, and they’re (mostly) free.


image from Morguefile courtesy of Alvimann

This is all the rage around our office.  Somebody brought in a jigsaw puzzle and left it out on a table that nobody ever used.  It didn’t take long before people started putting it together.  When you walked by there was always someone there.  Now, people have started bringing in puzzles.  Just about everyone has some around the house, right?  At last count our office had four different puzzle stations going.

Deck of Cards

Bring a deck of cards and leave them in the break room.  It won’t take long before people start playing during lunch or break time.  Whether it’s a game of rummy, poker, war, or cribbage, people will play. Just make sure it doesn’t cut into work time.  Also, no gambling for money.

Checkers Board

Checkers is an easy game that just about everybody knows how to play.  There has to be someone that has a board lying around the house.  Bring one in and I guarantee you’ll have people playing in no time.  You could also bring in a chess board though these games can tend to take longer.

Fun Bulletin Board

Sometimes there are bulletin boards around the office.  Many go unused or have announcements from years ago.  Clear some space and hang some fun things.  Maybe a funny meme that you print out.  Some funny comics from a daily desk calendar.  People will go to it for some laughs, and it will grow.

Non-Work White Board

Most offices nowadays have white boards all over the place.  If you can find one that’s not used for work, re-purpose it for people to draw.  You’ll be amazed to find out some of the artistic qualities that your co-workers have.

Coloring Books

Along the same lines, bring in some coloring books, and either crayons or pencils.  I bet that people will start using them.  You’ll find some really cool work and probably some funny ones as well.

Outside of the puzzles, these are just a few ideas I came up with.  These are things that I think can bring people together, and get people talking.  Either way, a little extra fun and creativity is always a good thing, right?  Now get back to work!

Readers, what fun ideas do you have for an office that are quick and simple?

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

Friday Favorites – October 20, 2017

It’s been a crazy couple of weeks.  We were supposed to go camping last weekend but didn’t.  It poured buckets all day Saturday.  That would have been our final trip of the year.  Oh, well.  In addition, kids activities have kicked into high gear.  My son is doing Cub Scouts for the second year in a row.  I’m excited (and a little nervous) as I agreed to be his den leader.  That means I’ll be coordinating activities for the ‘Bears’ (a.k.a.) third graders.  Definitely exciting!

Favorite Posts

Here are some posts I’ve enjoyed over the last two weeks:

image from Morguefile courtesy of jppi

I hope you enjoy these posts as much as I did.  Have a great weekend!

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.

Debt is a Habit and Mindset That’s Contagious

We’ve all heard about the difference between nature and nurture.  These two umbrella categories of influences determine who we are and how we behave. Different people have different ideas about which is more important – the role that parents have in raising their children, or in the environment the child grows up in and in their own DNA. It’s clear that there is a complex interplay between these two arenas of influence. But how does this play out in the realm of personal finance?

Financial Behaviors

It is thought that most of our financial behaviors are learned, not innate.  Humans have instincts when it comes to being thrifty.  How we allocate our resources ties to our basic survival instincts.  Yes, this goes all the way down to how we spend our money.  Regardless, what we learn from our parents shapes us in many ways.  This holds true in many ways, including how we use our money.

Kids observe the way their parents spend, save, and invest money. Some households make a rule that the family’s finances won’t be a topic of discussion around the children. But these kids are still seeing some of the most important financial decisions you ever make – how and when you buy groceries, how much you use your credit cards, how stressed out you get because of financial matters (whether you speak about them directly or not).

These are the kinds of financial behaviors that kids will tend to build their lives upon, simply because they don’t know any different after many years seeing these actions performed in their childhood home. So when parents are in debt or go through bankruptcy, the actions that precipitate these states tend to rub off on their children.

Setting A Good Example With Debt And Money

It’s important for parents to acknowledge this and to start exemplifying good financial behaviors if they have not done so up till this point. If you are nearing bankruptcy, for example, use a Creditfix Trust Deed to eliminate your debt without having to file for bankruptcy (and endure the damage to your credit that will result). It’s financial recovery behaviors like these that make the biggest impact on kids, because it’s evidence that you can stop destructive behaviors and make the sacrifices that result in better financial states in the future.

The alternative is passing on behaviors that will result in debt for your children. Most people carry a fair amount of debt. This is common knowledge. Even if your debt isn’t passed onto your children one day, the behaviors that they are predisposed to may result in the same state in their lives later on.

If you have kids, start talking to them about money now. Don’t pass on the habits and mindset that result in lifelong debt. Beyond simply talking about money, make sure you use your money in a way that demonstrates responsibility. Not only will this help keep your kids out of debt in the long term, it could help them greatly increase their wealth, independence, and opportunities for many years to come. Start making these changes and you’ll reap the benefits for life.

Copyright 2017 Original content authorized only to appear on Money Beagle. Please subscribe via RSS, follow me on Twitter, Facebook, or receive e-mail updates. Thank you for reading.