Twelve Rules For Life

be kind sign

Good morning!

In a world where you can be anything, be kind :)

(Don’t you love that quote???)

I’ve been coming across all kinds of reminders like this this week, so thought I would take it as a sign to keep passing on the good word…

As you get into the weekend, be sure to keep all of these in mind for your human-kind! (see what I did there??? Someone stop me!!)


“Give at least one sincere compliment every day. The only thing people remember about you is how you made them feel.”

A Teachable Moment


“Being nice is an investment.

Being mean is an expense.”

Carl Richards


“Be kind — everyone is in a battle… All judgments are incomplete. We never know the full story. So be kind. Cut those around you much slack. It is hard getting through life. Others look like they are skating effortlessly but they, like you and me struggle with all kinds of things that are concealed. So be kind. Don’t bear a grudge. Don’t keep score. Give people around you the benefit of the doubt. Wag more, bark less.” – Russ Roberts


And always remember, it costs nothing to be kind :)

Favorite posts, and snippets, from the week are collected below for your enjoyment…

Hope they give you a little extra inspiration today 🙏

j money signature

Posts on Budgets this week:

I did surveys for money (and I liked it!) — AmeriSpeak got me hooked and now addicted to sharing my opinions for rewards! (Imagine that, a blogger who likes sharing opinions, lol…)

Going After Uncollected Judgment Money! (Side Hustle Idea #85) — In which an investor reaches out to help me recover long lost money owed from a lawsuit settlement I won years ago… Always some way to earn money out there! You can even make stuff up out of thin air like this guy! :)

PS: to get these in your inbox the day they come out, subscribe to the Budgets Are Sexy newsletter


Favorite reads from the community:

My Twelve Rules for Life @ Russ Roberts – “Learn to enjoy saying “I don’t know.”  If you enjoy saying it, you’ll say it more often. It’s not easy to enjoy — it’s definitely an acquired taste. When you’re young, it hurts to say it. As you get older, you can savor saying it. Work on enjoying it. Remember that honesty is better than posing as the expert that you’re not. Say it calmly with open eyes. Don’t look away. There’s nothing to be ashamed of.” (Shout to Apex Money for this find!)

How Minimalism Saved Our Family of Seven from Financial Ruin @ Becoming Minimalist — “It’s one of the best things we have ever done for ourselves and our children. If you have been struggling with where to start, I would encourage you to pick just one category, such as your own t-shirts, and see if you can reduce the number by half. I’m so glad we did!”

38+ Life Lessons That Helped Me to Retire Early @ Accidentally Retired – “As I reflect back on my life, I can’t help but think that it all just goes by too fast.  I don’t want to live my life with regrets. When I’m 80, I want to look back at my life and know that it truly kicked ass.”

Buy Nothing Group: 10/10 @ The Frugal Girl – “Buy Nothing groups are hyper-local Facebook groups where people give things away (and also sometimes ask for stuff). The idea is to keep things out of the trash but also to keep things local. That way people aren’t having to ship stuff or drive a long way to pick up freebies. I really love my Buy Nothing group. A solid 10/10 from me!”

My Ever-Evolving Relationship With My Clothes @ Frugalwoods — “I’ve only recently realized how intertwined my clothing obsession was with my previously undiagnosed depression and anxiety. I’m starting to unravel the emotions I carried in my clothes and my appearance. It’ll probably take me the rest of my life, but I’m happy to take you along with me. So this post isn’t about money, but it is about how material things can take on too much importance in our lives. How we can define ourselves by what we own–by what we buy.”

Federal Student Loan Forgiveness Highlights (Up to $20,000) @ My Money Blog – “The big news today was that a Biden administration executive order granted a one-time forgiveness of up to $20,000 in federal student loan balances (based on income) for tens of millions of borrowers.”

What Would You Do if You Were Rich? @ Darius Foroux – “What matters is that we make our life decisions based on the lifestyle we want to have. Not based on external factors like being famous, having status, or having a certain amount of money.”


Clips & news from the community:

Interesting clips and news that caught my eyes this week…

  • “Do whatever you want now. The past? That’s what we call our memories. The future? That’s what we call our imagination. Neither exists outside of your mind. The only real time is this moment. So live accordingly.” – Derek Sivers via
  • “The Yield Shield & the Cash Cushion was what ended up saving our butts. Because we had arranged our portfolio to pay us a yield in the form of dividends and interest that, when combined with our cash cushion, was sufficient to cover out living expenses, we were able to sit confidently on the sidelines as everyone panic-sold. Not only that, when the stock market eventually rebounded, our portfolio ended up even higher than when we started.” – Millennial Revolution
  • “I’ve talked about how much I love the Fitbod app since it takes a lot of thinking out of the picture for me. I just click on the “Workout” tab and it tells me what exercises I’m doing, how many sets/reps, the weight to use, etc. It all builds on my previous workouts so it’s custom to me. I love this app and probably wouldn’t be working out as religiously as I do (usually 5 days a week) if it wasn’t for Fitbod. It’s helped me grow from a novice to an intermediate and to be more confident in what I’m doing… I love it.”
    Route To Retire
  • “When you first start to study a field, it seems like you have to memorize a zillion things. You don’t. What you need is to identify the core principles – generally three to twelve of them – that govern the field. The million things you thought you had to memorize are simply various combinations of the core principles.” – Collaborative Fund


Pic of The Week:

beer bread

That’s a shot of my beer bread!! The easiest bread to make ever – just flour, sugar, and a bottle of beer 😎 Recipe can be found here (2nd pic)…  (And you can test different beers too for slightly different tastes!)





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2 responses to “Twelve Rules For Life”

  1. Brian Winch says:

    I love the “My Twelve Rules for Life”. As a father of 2 sons; one gifted, the other autistic, I’ve learned not to judge people. We all have our struggles. Smile. Be polite. Be patient.

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