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	<title>Nancy Zimmerman: A Money Coach in Canada &#187; christmas</title>
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	<link>http://nancyzimmerman.com</link>
	<description>A Money Coach in Canada</description>
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		<title>Giving to panhandlers.  Christmas Thinking.</title>
		<link>http://nancyzimmerman.com/giving-panhandlers-christmas-thinking</link>
		<comments>http://nancyzimmerman.com/giving-panhandlers-christmas-thinking#comments</comments>
		<pubDate>Sun, 11 Dec 2011 17:27:00 +0000</pubDate>
		<dc:creator>Nancy (aka Moneycoach)</dc:creator>
				<category><![CDATA[YMbD]]></category>
		<category><![CDATA[philosophy of $]]></category>
		<category><![CDATA[praxis]]></category>
		<category><![CDATA[christmas]]></category>
		<category><![CDATA[panhandlers]]></category>
		<category><![CDATA[social jutistic]]></category>
		<category><![CDATA[spare change]]></category>

		<guid isPermaLink="false">http://nancyzimmerman.com/?p=3783</guid>
		<description><![CDATA[Every flippin' corner in my dtes Vancouver hood I'd be asked, "spare some change?"  or worse, told some drawn-out bs story first before being asked.

It's a dilemma for anyone with half a heart (if you simply don't give a damn when the destitute on the street corners ask you for your change, you need to puzzle for a while then grow your heart two more sizes).]]></description>
			<content:encoded><![CDATA[<p>Every flippin&#8217; corner in my dtes Vancouver hood I&#8217;d be asked, &#8220;spare some change?&#8221;  or worse, told some drawn-out bs story first before being asked.</p>
<p>It&#8217;s a dilemma for anyone with half a heart (if you simply don&#8217;t give a damn when the destitute on the street corners ask you for your change, you need to puzzle for a while then grow your heart two more sizes).</p>
<p>&#8220;They have soup kitchens and social assistance programs, and giving them change is just going to enable their dependency and probably will go straight to drugs&#8221;.   That&#8217;s what I said to my softer-hearted cousin when she visited.</p>
<p>But over time I learned that it wasn&#8217;t that straightforward.  Sometimes my change really did go to a slice of pizza that may have been the only protein or hot food they&#8217;d get that day.   Sometimes the soup kitchens weren&#8217;t open (like Sunday mornings, because all the faith-based places weren&#8217;t open!).   Sometimes the access to social assistance was so freaking complicated what little energy the individual could muster was sucked dry during the first (crappy pay phone) call to the 1-800#.</p>
<p>So then.   I started giving out change if I had it, and dignify the exchange (somewhat) by leaving it entirely to the individual to use as they saw fit.  Sorta like the rest of us do.</p>
<p>But I think I just heard a <a href="http://www.thesimpleway.org/about/faq/">better answer</a>.</p>
<p><strong>What we can say with confidence is that we are to give something to everyone who asks – dignity, attention, time, a listening ear. Sometimes we may give money, sometimes not. </strong></p>
<p>Sounds like a pretty Christ-massy sort of response to &#8220;can you spare some change&#8221; to me.</p>
<p>I&#8217;ll start, minimally,  by not being pouty when some of Yellowknife&#8217;s folks (often inebriated to avoid hells I don&#8217;t know about) crowd in the local post office entrance or bank machine areas.</p>
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		<title>All we want for Christmas is &#8230;  love and belonging.</title>
		<link>http://nancyzimmerman.com/christmas-love-belonging</link>
		<comments>http://nancyzimmerman.com/christmas-love-belonging#comments</comments>
		<pubDate>Sat, 25 Dec 2010 18:18:56 +0000</pubDate>
		<dc:creator>Nancy (aka Moneycoach)</dc:creator>
				<category><![CDATA[pleasure of $]]></category>
		<category><![CDATA[christmas]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[gifts]]></category>
		<category><![CDATA[love]]></category>

		<guid isPermaLink="false">http://nancyzimmerman.com/?p=2045</guid>
		<description><![CDATA[)n this Christmas Day,  I encourage us all to hold lightly to the gifts we received (or maybe didn't) - delight in them, yes.  But mostly hold them lightly because mostly what we all need - by definition of being human - is love and belonging.]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.flickr.com/photos/alicepopkorn/5249018229/" title="Waiting for the Return of Light by AlicePopkorn, on Flickr"><img src="http://farm6.static.flickr.com/5205/5249018229_e74d1ef4a3.jpg" width="375" height="500" alt="Waiting for the Return of Light" /></a></p>
<p>I used to call them my demon nights.  Sleep patterns and the hours between 3 &#8211; 4:30 am can really mess with our heads.  Our insecurities and vulnerabilities are magnified and it&#8217;s hard to find our inner core.  I frequently experienced insomnia at this hour and went through a silent hell.  I felt utterly alone in the universe.  Anguish.</p>
<p>I don&#8217;t experience those torments anymore, Thank God.  Somewhere between then and now I have, over the years, become at ease in my own skin. Between long-lasting and robust friendships, discovering my own unique strengths I bring to the world, and a particular romance which, though it didn&#8217;t end in marriage (a sadness I will always carry with me) nevertheless dropped tender love into my heart, between all these, I&#8217;ve become (generally) at ease and secure.  Also rooting myself into a faith and belief in an all-loving and tender and compassionate God has been foundational.</p>
<p>There&#8217;s a proverb that says: <em> Better is a dinner of vegetables where love is than a fatted ox and hatred with it.</em></p>
<p>So on this Christmas Day,  I encourage us all to hold lightly to the gifts we received (or maybe didn&#8217;t) &#8211; delight in them, yes.  But mostly hold them lightly because mostly what we all need &#8211; by definition of being human &#8211; is love and belonging.    What love and belonging we each have in our lives, be it little glimpses or in spades, let&#8217;s soak it up.   If we need more, let&#8217;s set our intentions to build and deepen our community.  If we have some to spare, let&#8217;s open our hearts more widely to others.</p>
<p>And for those who are inclined toward religion, let&#8217;s open our hearts all the more to the God of Love, and spill that love as indiscriminately wide and far as possible &#8212;  Peace, on earth,  good will to all.</p>
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		<title>5 Last Minute Tips to Spend Smart between now and New Years.</title>
		<link>http://nancyzimmerman.com/spend-smart-until-new-years</link>
		<comments>http://nancyzimmerman.com/spend-smart-until-new-years#comments</comments>
		<pubDate>Wed, 22 Dec 2010 04:26:09 +0000</pubDate>
		<dc:creator>Nancy (aka Moneycoach)</dc:creator>
				<category><![CDATA[praxis]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[christmas]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://nancyzimmerman.com/?p=2049</guid>
		<description><![CDATA[Hang on to your hats, folks.  We're about to enter a crazy time of the year.

Your shopping is probably mostly done (right?  RIGHT??) but there's plenty of in-the-moment wallet busters in store for the next 10 days.  Here a 5 last minute tips to spend smart between now and New Years.]]></description>
			<content:encoded><![CDATA[<p>Hang on to your hats, folks.  We&#8217;re about to enter a crazy time of the year.</p>
<p>Your shopping is probably mostly done (right?  RIGHT??) but there&#8217;s plenty of in-the-moment wallet busters in store (<em>sic</em>) for the next 10 days.  Here are 5 last minute tips to spend smart between now and New Years.</p>
<p><a title="Gift by hawaii, on Flickr" href="http://www.flickr.com/photos/hawaii/76720475/"><img class="alignleft" src="http://farm1.static.flickr.com/37/76720475_c7de641dc2_m.jpg" alt="Gift" width="240" height="180" /></a><br />
1.  Run, don&#8217;t walk, <strong>run to your nearest dollar store to pick up gift cards, wrapping paper and bows.</strong> You don&#8217;t want to spend a fortune on this at the Brand Name store on Christmas Eve!  If you have 90 minutes of time, an even better idea:  make your own bows from leftover wrapping paper like<a href="http://www.theartofdoingstuff.com/let-it-bow-let-it-bow-let-it-bow"> Karen does</a>.<br />
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<a title="Happy New Year! by c.a.muller, on Flickr" href="http://www.flickr.com/photos/cliff_robin/2167230909/"><img class="alignleft" src="http://farm3.static.flickr.com/2314/2167230909_6c2f1228a7_m.jpg" alt="Happy New Year!" width="171" height="240" /></a><br />
2.  New Years Eve.  Going out?  Leave your keys<em> and your plastic</em> at home.  Decide how much you&#8217;re doing to spend and <strong>use cash.</strong> Save yourself from yourself!  No oops-overspending hangovers this January 1st on my watch! <img src='http://nancyzimmerman.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /><br />
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3. <strong>Create your &#8220;standard-polite-decline&#8221;</strong> in advance to excuse yourself from potentially pricey on-the-spot invites you receive (<em>we&#8217;re going out for lunch, join us!</em>).   Your line can be whatever works for you.  Ideas:  a gracious and classic, &#8220;Thanks so much but I have other plans&#8221; or &#8220;another time&#8221;;   if suitable, ask if you can check your calendar first;  have a standby excuse &#8220;I need to take the dogs for their walk&#8221;.<br />
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<a title="iPhone by La Ignorancia Mata, on Flickr" href="http://www.flickr.com/photos/laignoranciamata/352669850/"><img class="alignleft" src="http://farm1.static.flickr.com/129/352669850_b082083215_m.jpg" alt="iPhone" width="192" height="240" /></a><br />
4. Travelling?  Call your cel phone service provider today to <strong>be clear about extra charges</strong>. Avoid nasty surprises when you get your January bill!  I usually purchase about $10 from Bell so I can make extra calls while in Vancouver.</p>
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5.<strong> Don&#8217;t apologize for not spending.</strong> I&#8217;m not saying cheap-out.  But controlling your spending over the next 10 days should be a badge of honour.  Settle that within yourself, and then let your actions and your words flow from that place.</p>
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		<item>
		<title>My best Christmas present ever</title>
		<link>http://nancyzimmerman.com/christmas-present</link>
		<comments>http://nancyzimmerman.com/christmas-present#comments</comments>
		<pubDate>Sun, 19 Dec 2010 02:10:22 +0000</pubDate>
		<dc:creator>Nancy (aka Moneycoach)</dc:creator>
				<category><![CDATA[fun with money]]></category>
		<category><![CDATA[pleasure of $]]></category>
		<category><![CDATA[smart shopping]]></category>
		<category><![CDATA[christmas]]></category>
		<category><![CDATA[gifts]]></category>
		<category><![CDATA[watch]]></category>

		<guid isPermaLink="false">http://nancyzimmerman.com/?p=2041</guid>
		<description><![CDATA[For a time as a kid, our family had barely middle class income.  Oh, we never went without shoes or anything, but things were tight.

During those difficult few years, there were a sprinkling of glorious moments when something so wonderful happened it felt like a miracle.   One occurred when I was in grade 2.  I'd just learned how to tell time and I wanted a watch for Christmas.  Desperately.   But I didn't expect one, that's for sure.]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.flickr.com/photos/ansonchappell/4726923135/" title="IMG_6363 by ansonchappell, on Flickr"><img src="http://farm2.static.flickr.com/1246/4726923135_0a3c686685.jpg" width="500" height="333" alt="IMG_6363" /></a></p>
<p>For a time as a kid, our family had barely middle class income.  Oh, we never went without shoes or anything, but things were tight.</p>
<p>During those difficult few years, there were a sprinkling of glorious moments when something so wonderful happened it felt like a miracle.   One occurred when I was in grade 2.  I&#8217;d just learned how to tell time and I wanted a watch for Christmas.  Desperately.   But I didn&#8217;t expect one, that&#8217;s for sure.</p>
<p>On Christmas Eve (we followed the northern European tradition of opening presents Christmas Eve), there was a special box for me.   It was an unforgettable moment, unwrapping that gift.  Not only did that box contain a watch, but it had six different coloured straps which could be interchanged, and three different casings which could be interchanged.  The permutations and combinations were infinite to my 7 year old mind.  Not only did I receive a beautiful watch, I received an infinite number of watches!</p>
<p>And I wore a new one every week for that year, and I bet the year after that, and the year after that.</p>
<p>Anyway, that&#8217;s one of my most magical, glorious moments of Christmas that I can recall.</p>
<p>How &#8217;bout you?  Did you have any particularly thrilling gift-moments that you can recall?</p>
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		</item>
		<item>
		<title>Gift shopping:  love it?  hate it?  avoid it at all costs?</title>
		<link>http://nancyzimmerman.com/gift-shopping-love-it-hate-it-avoid-it-at-all-costs</link>
		<comments>http://nancyzimmerman.com/gift-shopping-love-it-hate-it-avoid-it-at-all-costs#comments</comments>
		<pubDate>Tue, 03 Nov 2009 04:44:17 +0000</pubDate>
		<dc:creator>Nancy (aka Moneycoach)</dc:creator>
				<category><![CDATA[fun with money]]></category>
		<category><![CDATA[pleasure of $]]></category>
		<category><![CDATA[praxis]]></category>
		<category><![CDATA[smart shopping]]></category>
		<category><![CDATA[christmas]]></category>
		<category><![CDATA[gifts]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://nancyzimmerman.com/?p=1393</guid>
		<description><![CDATA[Photo Credit: mysza One of my girlfriends dreads gift shopping events &#8211; birthdays, weddings, and above all else, Christmas. She feels like whatever she purchases just won&#8217;t cut it with the recipient. Similarly, a former client of mine deliberately traveled out of town on any occasions involving gifts, holding the firm view that she&#8217;d rather [...]]]></description>
			<content:encoded><![CDATA[<p><img class="aligncenter size-full wp-image-1398" title="2080895858_0fd6ba8a88" src="http://nancyzimmerman.com/wp-content/2080895858_0fd6ba8a881.jpg" alt="2080895858_0fd6ba8a88" width="334" height="500" /></p>
<p style="text-align: center;">Photo Credit: <a href="http://www.flickr.com/photos/mysza/">mysza</a></p>
<p style="text-align: left;">One of my girlfriends dreads gift shopping events &#8211; birthdays, weddings, and above all else, Christmas.   She feels like whatever she purchases just won&#8217;t cut it with the recipient.   Similarly, a former client of mine deliberately traveled out of town on any occasions involving gifts, holding the firm view that she&#8217;d rather choose what she wanted for herself rather than accept whatever someone chose. Fair enough. (No, they weren&#8217;t sisters!).</p>
<p>Me?  I enjoy the process of selecting gifts, for the most part.  Most of the time, I&#8217;m reasonably confident that the recipient will enjoy what I&#8217;ve purchased, at least enough to have made the effort.  And usually once per season, I find That Perfect Gift which goes over particularly well.  For instance, when cds were just coming out (yes, I&#8217;m That Old), I found a christmas album (The<a href="http://www.arkivmusic.com/classical/album.jsp?album_id=173539"> Hollywood Bowl </a>Christmas Album, recorded in 1957) which had been a christmas staple in our family, but the vinyl version had long since been all scratched up.  It wasn&#8217;t spendy, but it was quite a hit.  And usually once per season something I was less confident about ends up being a surprise hit.  Perhaps I have particularly polite friends and family, but on the whole, selecting gifts is pleasurable.<br />
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I&#8217;m curious:  do you enjoy selecting gifts, or hate it?  Do you have any awesome &#8220;find&#8221; stories to share?  Or any disasters?</strong></p>
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