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      "author": "shingy2017",
      "body": "![image](https://img.esteem.ws/y2sc11g8ra.jpg)\nHi. To introduce myself, I’m Daniel and I’ve followed the original author of this blog for years on Twitter. I’m used to blogging having my own movie blog so I thought why not write about the biggest passion in my life, Chelsea football club.\nI wanted to write a piece on why I love Chelsea so much and why it is and will always be, one of the most important things in my life. It all started when I was living with my mum and Dad down in Hayes, Middlesex. Dad had been a lifelong Chelsea fan, as had his Dad. I always loved sitting down with Dad watching Chelsea on tv when we were live on BBC1 or ITV. This was in the days before Sky’s domination of top league football.\nOne of my earliest childhood memories is watching games on tv with dad. I remember the shouting, the worry, the absolute screams of joy everytime we scored. Then I remember the first time Dad took me and my younger brother to a Chelsea game. If memory serves me correctly, it was Chelsea v Liverpool at Stamford Bridge. I can’t even remember the score I’m ashamed to say but I remember the excitement, the crowd all jumping up together at every attack.\nSee, I’ve been a Chelsea fan a lot longer than Roman Abramovich. I remember when I was a teenager at school and we were fighting relegation at one stage and we beat spurs, I think it was 4-3 and that started the push back up the table. One of my biggest memories was being so desperate for a trophy for Chelsea, any trophy, and the best trophy at that stage was the pre season friendly, the Makita tournament. That was it. But still my passion for the club never wavered.\nThen, pure joy as we amazingly reached the fa cup final in I think it was 1994. We were playing Manchester United. I was quite confident as we had beaten them twice that season, winning 1-0 both times. But, disaster a 4-0 defeat. In my mind at that stage I thought I wouldn’t see Chelsea win a decent trophy in my lifetime but I never for one minute ever lost my love for the club.\nThen came the era of Ruud Gullit and the 1997 cup final. Di Matteos 30 second wonder goal and we beat Middlesbrough 2-0. Cue tears of joy, absolute dreamland. My mum actually bought us the subbuteo fa cup which we left on top of the television in the living room for a year almost.\nTo me, that was the start of Chelseas journey to be the team we are today. But then, disaster. Ken Bates was chairman and the club was in millions of pounds of debt. Would we survive? Would we have to sell our best players? Then, along comes Roman and well, then along comes our first Premier League title. I’m actually welling up writing this because of how happy I was. It was a day I never thought I’d see. We had triumphed over teams I absolutely hated, namely Arsenal and United and become champions. Then, the following year we did it again! I literally was in a happy dream but it was real.\nThen, as we all know Jose got sacked and we lost in the 2008 Champions League final to United on penalties. Absolute tears of despair. I literally took about a week to get over it. But then along comes Ancelotti and we win the Premier league again! And along comes Di Matteo in 2012 and somehow, against all odds, including playing Barcelona and then Bayern Munich in the final on their own patch we become European Champions! We were champions not just of England but of the entire continent.\nSince then of course Jose came back and we won the Premier league again but then he was sacked and went to United. That took some of the gloss of his era off in my eyes but he was sacked so it was our own fault.\nNow we move onto the current era. Only Chelsea could just about scrape a 10th place finish one season and win the title the next. My view on Conte? I think he’s a fantastic manager and if, as seems likely he goes at the end of the season he will be a huge loss. I know a lot of people will disagree with me but I blame the board I really do. I want a new stadium as much as the next Chelsea fan, but is it really worth selling the best and buying average in return? I don’t think so.\nIn my opinion I think Roman should get his cheque book out and have one big top player spending spree. I hear Ronaldo is available, for example. However I fear that Roman is only bothered about having a world class stadium but not necessarily world class players to fill it. I hope I’m wrong I really do but I do worry about our future. Saying that, we’re all Chelsea fans here. When have we ever not worried? To be continued is the best we can say I guess. I just don’t want City and possibly United and Liverpool to move far ahead of us due to our ineptitude in the transfer market. But, we can only wait and see what the next chapter is to come in our crazy but exciting history. I love this club.\nI hope you enjoyed reading about why Chelsea means so much to me. Because it really does. Chelsea lose and I’m down, Chelsea win and I’m so happy. Right now I’m down after our defeat to Arsenal in the League Cup and praying we beat Newcastle in the FA cup as I fear that’s our most realistic chance of a trophy this season. I also cheered like mad when we beat Norwich on penalties the other week. That’s what each victory means to me.\nIf you enjoyed re",
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      "body": "I learned that tre wealth is possible.\nBefore we implemented our budget, I spent money on whatever I wanted. This seemed great, but I never got ahead. In fact, it put me behind because there were several months that I overspent. Since I didn’t keep track of my money, I never really knew I was spending more than I made. I just knew that at times there wasn’t enough money in the checking account to pay for something I needed to pay. This led to borrowing money on credit cards and eventually a high interest loan. Of course, when you borrow money, you pay interest. This means that I paid even more for the things that I couldn’t afford. It is impossible to get ahead when you live this way. It is a downward spiral that leads you away from true wealth.\nLiving on a budget has made me realize that it is possible to control my money and accumulate wealth.  I now know that I can win with money. Using a budget gave me back control. It forced me to consciously choose how to spend my money. By facing the choices and eliminating waste, I found all kinds of money that has enabled me to pay off all my debt. It has absolutely amazed me how much money I found this way. Initially, I couldn’t see how I was going to be able to come up with any extra money on a monthly basis to pay towards my debt.  However, by using the budget, I was able to slowly but surely identify several hundred dollars. Still, I’m not sure where it all came from but I know without a doubt that only through the disciplined use of my budget was I able to find it. By being debt-free, I can now build an emergency fund and start consistently investing which is the path to true wealth. This intentional spending feels so much better than the way I used to do things.\nI learned that a budget is an instrument of freedom.\nI think most people resist a budget because they feel it is going to take something away from them. It is going to be too restrictive.  They won’t be able to get and do the things they want when they want. They think that a budget will bring to light their frivolous spending habits which will expose the error of their ways. I know that these feelings were where some of my initial resistance came from. Changing spending habits can be frightening and just as hard as any other kind of change we face. However, like with most other change, our fear of it is usually blown out of proportion.\nI found that living on a budget provided me the insight into my money that I needed in order to feel more freedom. Before, I was always nervous about my overspending. I was a slave to those to whom I owed money. I worked to pay my debts. However, now through my budget, I know exactly how much money I have to spend. I am always confident that I will be able to meet my obligations and I have created margin in my life financially. The margin I have created is the difference between what I make and what I spend. This margin is a result of eliminating certain things from my monthly spending of lower value so I can dedicate those funds to items of higher value. Initially, this margin was used to pay off my debt, but now that I’m debt-free, I can use it for whatever I want. This is true financial freedom.\nI learned that simpler is often better.\nWhen I was living without a budget, I bought all kinds of things that I didn’t need. Many of these things required upkeep. Not only was I a slave to my debt, but I became a slave to the things that I bought. The more I had, the more I had to take care of.  This left little time to really enjoy life.  It created additional financial stress as well because the maintenance usually cost money.  For example, when I had a boat, I had to rent storage space. When I had a Seadoo, I had to get it winterized. The headaches and expenses never stopped.\nBy making some choices and getting rid of some things, I have greatly simplified my situation. This leaves me more time to truly enjoy what I have. My budget exposed exactly what some of my non-essential items were costing me. It helped me make better choices which has made me happier. Yes, for awhile I had to be a little more frugal than I prefer, but now it is paying off.  The extra money I found in my budget is starting to accumulate and make interest for me instead of for the lenders. I still want to keep things simple because I want the things I spend my money on to serve me instead of the other way around.\nPracticing anti-consumption and living on a budget has taught me many valuable lessons.\nI have learned that living on a budget is the only way to really live. It is my path to a wealthier, freer, and simpler life. It puts me in charge of my money which is the way it should be. I will never again let it out of my control.  The reservations I had have been overcome by these powerful benefits. I am convinced that if more people lived this way they would find these truths for themselves as well.\nA book from the library reads just the same as the one from the bookstore.\nI am a big fan of books. I read constantly. I am also a huge fan of the library system. I think it is one of the greatest American institutions. What other establishment operates on what is essentially an honor system? Books from the library are obviously the same as the ones that you can buy except they don’t cost anything and you don’t have to store them once you are done reading.  I do buy some books. Ones that I want to read over and over, but I check out most of my books from the library and it has saved me countless dollars over the years. Living on a budget drove home the value of the library system to me. This same method can be applied to almost anything in life, for example maybe rent or borrow a friend’s vehicle for a day to supplement your needs versus buying a new vehicle.\nI can eat lunch on $25 per week and get by on $50 of spending money per month.\nThat’s right. For almost the last two years, my weekly allowance for lunches has been $25 and I have only given myself $50 per month to blow. This was one of the things that I resisted the most when we first started our budget. Previous to the budget, I withdrew whatever I needed to eat out for lunch at work everyday. If I ran out of money mid-week, I just withdrew some more. If there was something I wanted to buy during a given month, I usually got it. The justification in my mind went something like this, “I work and earn a good living.  I should be able to eat out for lunch when and where I want. I should also be able to treat myself to some fun things once in awhile. I deserve it for working so hard.”  This was short-term thinking and selfish. I was overspending and it was hurting my long-term objectives. I have successfully adjusted to my new allocations in these areas.  In fact, even though I thought it would be impossible to eat lunch on only $25 per week, I have, on most weeks, been able to save a little of my weekly allowance to put in a date fund for my financee and I.  If I want something that costs over $50 in a given month, then I have to save for a few months to get it. This discipline has helped me make choices and only spend my money on things that I really want.\nYou don’t always have to spend a lot of money to have fun.\nLiving on a budget has forced my financee and I to become more creative about how our family spends its time.  We have found that it is still possible to have fun without spending a ton of money. For instance, we still go out to eat as a family, but we do it less often and are choosier about where we go. We try to get the most bang for the buck. We have also found that our daughters enjoy less expensive vacations like camping or just going to a decent hotel with a pool as much as they might enjoy something like a theme park. It is all in the approach. With kids in particular, they seem to have the most fun when we get involved and play with them. We do this on occasion and have developed our own family movie night where we rent a movie and watch it as a family while eating something fun like tacos or pizza. There was an initial adjustment period when we first started our budget, especially on the weekends, but now we have our things we do and it all works. A side benefit is that I think we get more quality family time.\nA budget is a plan and not something written in stone.\nI have learned that a budget has to be flexible. Life happens. A budget needs to adapt to life. Another way I like to describe a budget is as a spending plan. Plans change when circumstances change. Our budget has evolved over time. Sometimes it is the same for several months, but then other times we adjust our budget every month or even in the middle of the month.  We try to anticipate before the month begins when there are going to be additional expenses in a given area.  For instance, May is a month where we have several family birthdays and Mother’s Day. So, we adjust our budget in May to be sure we have funds available to buy the appropriate gifts. When we do this we always have to move money from one area to another to cover the expenses.  We never spend more than our income in a given month. Learning to be flexible with the budget and to anticipate when changes are necessary took time.  We got better with experience. For the last year or so, we have been very good at it. However, I will admit it can be a struggle at times.\nWe don’t want to be ultra-frugal forever.\nMy financee and I are pretty conservative people. We have been very intense about paying off our debt over the last couple of years. Now we can start to loosen up a little. I know we won’t go back to our old ways of overspending nor do we want to. Living on a budget has taught us life is better this way. It has changed how we look at money.  We will always have a budget because we always want to have a plan for how to invest our money. However, now that we have financial margin in our lives, we don’t have to be ultra-frugal forever. We have already made some adjustments in our budget to give ourselves some breathing room in a few areas.  The idea is that we have really tightened things up in the beginning so that we can accumulate wealth and be able to have and spend more as we go.\n$100 is a lot of money.\nI know that when I was a kid I thought $100 was a lot of money. I remember being in awe of a $100 bill.  However, somewhere along the way, I lost my respect for the value for this sum of money. It didn’t matter whether it was an expense or income. I just didn’t feel like $100 mattered much. Maybe it was because I usually didn’t physically see my money. I mainly used plastic cards instead of real cash. However, living on a budget and using cash has taught me to once again hold $100 in high regard. It is amazing how far $100 goes and how much power it holds when you are in control of it and using it for a specific purpose.\nFood tastes better when you eat out less often.\nMy financee and I enjoy going out to eat. Before we had a budget, we went to restaurants all the time.  It is a form of entertainment for us. However, we were often less than excited about it.  We had a hard time deciding where to go. We did it so often that it lost its feeling of being fun and special. Once we saw what we were spending on eating out, we had to cut way back. The unexpected benefit is that now it has brought back the excitement of going out to eat.  It is special again and the food just seems to taste better.\nShopping is not entertainment and very consumerist.\nWhen did going to the mall become America’s number one pastime? It seems that shopping is now the way people spend much of their free time. Marketers do a fantastic job of selling us the lifestyles we think we want. However, after the buzz wears off, we are usually left with a feeling of emptiness and buyers remorse from our latest spending spree. My budget has taught me to avoid going to the mall so I don’t fall into this trap.\nThings can be fixed. Take care of your stuff.\nWe are a consumer culture. There is no question about it. We are misled into thinking that when something develops the tiniest of flaws that we should throw it away and go buy new. Of course, retailers love this mentality. However, my budget taught me that this was stinking thinking. Several months ago, the agitator in my washing machine wouldn’t turn anymore. I did a little research on the Internet and found the most likely cause was a $5 part that took me only 15 minutes to install.  It has been working perfectly ever since. I am not that much of a handyman, my financee would testify to this, but immediately assuming that something needs to be replaced when it breaks will only lead you to the poor house not to mention what it does to the environment.\nGetting a true deal is exciting.\nAmerica is the land of the sales flyer. How can retailers make money when they are seemingly always selling everything for 75% off?  They jack up the initial price knowing that they will need to lower it later to make us feel like we are getting a good deal.  My suggestion is to Never Pay Retail! This has been my motto for the last couple of years and it is possible to time the markets to get good deals. Timing is probably the single biggest advantage we have as buyers to get bargains. In business, if you buy near the end of the month, year, or quarter salespeople are always more anxious to make a deal to boost their numbers. As an individual, I have sold several large items such as boats and cars at bargain prices when buyers had cash and were ready to make an immediate deal.  Now that I have better control of my money, I hope to use this same technique to my advantage.\nLiving on a budget has changed my thinking for the better on several fronts. It is hard to understand how valuable budgeting and fighting consumerism really is financially and emotionally until you’ve done it for a significant period of time -: anticonsumption",
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