Are you Inge, the Photographer?

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This morning I received a call and she asked, “Are you Inge, the photographer?”

Since I have never considered myself as a photographer, I said no, thinking she might have mistaken me for someone else. Then she asked again whether I was the one who often took photos at Vihara Dhamma Sundara. It was not a mistake, so I said yes.
She asked whether I could take photos of her child’s engagement party. I told her that I was not a professional photographer, so I declined.

She was quite insistent. She said that I had good camera equipment and surely I could take a simple assignment like taking photos of engagement party at home. Once again, I felt that I was not good enough to be called a professional photographer, I declined for the second time.

Somehow she believed that I could do the job and kept asking me, explaining that it was a simple engagement and she only needed 30-40 photos printed for the occasion. For the third time, I declined because I did not good enough editing skills for post-production.
Finally, she took ‘no’ for an answer.

After saying ‘no’, I could not get this incident out of my head. I wonder why I declined this opportunity.
First, I feel that I am not good enough to be called a professional photographer. I have never been paid for my photos or services. Did I refuse because I was just too afraid? Did I refuse because I felt unworthy?

Second, I have expectations regarding the role of professional photographers. A real professional photographer has the ability of editing in post-production and will produce good results. I have no editing skill other than cropping, adjusting brightness and contrast.

Third, I consider whether this assignment is worth my time and effort. It may be an experience but I do want to be compensated for my effort. It is called professional service and not volunteering to help anymore.

Last, if I want to be a professional photographer of my choice, I want to be a travel photographer.

What do you think? Should I have said ‘yes’?

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Does Honesty Pay?

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Does Honesty Pay?

Last night our family had dinner at Ah Yat Abalone Seafood Restaurant, Rimba, Jimbaran Bali. We went back to our hotel, Movenpick Resort & Spa, Jimbaran by Blue Bird Taxi. Our taxi cost Rp 50,000, so I took out my wallet and gave the money to the driver. When I was walking away from the car, the driver called and he returned Rp 50,000 to me because I gave him two notes of Rp 50,000. I thanked him for his honesty. Then I had an idea and I gave the note back to him and wished him a happy new year!

Honesty pays because he feels good and I feel good too.

#honesty #learnandgrow #lifelessons #virtue

 

52 Week Saving Challenge

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I am taking a 52-week saving challenge this year.

I’ve seen many variations of this 52-week saving challenge on the web. I choose the random amount method and highlight the amount that I save that week.

For example, last week I saved Rp 300,000 and this week Rp 400,000 then I highlighted the amount that I have saved. Until the end of the year, I would have saved Rp 13,780,000.

I’ve put up the easy, medium and hard challenge if you want to do it as well.

Get on track with your saving!

Create your own saving challenge and share with us.

Learn and Grow!

What does money mean to you ?

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What does money mean to you?

Is it something to buy happiness? Some people use money to buy stuff to make them happy. Unfortunately that happiness will never last because once we buy the stuff, we tend to lose interest in it over time. When new things come out, we want the next thing, thinking that it will give us happiness again. It goes on and on.

We cannot be happy just by buying happy meals Smile

Fooled by Our Senses

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Curbing impulse buying is not easy because our senses are flooded with so many stimulations when we go shopping. We buy something not just from what we see or hear, but also because of what we smell.

I remember when I studied in Perth years ago. Every time I went home, when I got off the bus, I could smell KFC fried chicken and it was pulling me in. I don’t know how many times I bought those fried chickens just because I could smell them from the bus stop.

So what can we do? Be aware of those sensations and let them go. Stick to your shopping list!

Inge Santoso, B. Com, CFP®

Sweeping Under Pouring Rain and Emergency Fund

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Last Sunday I was enjoying a cup of hot mocha latte at Starbucks while watching the rain outside. I saw one guy sweeping the water away from the walkways and stairs. It seemed like a futile thing to do because the rain water kept on pouring down and when he got to the end, he had to come back and swept again.

What would you have done in that situation? If this was your own house, you would probably have waited until the rain had stopped before began sweeping. Well, I would anyway.

We often do not like doing something that seems futile and has no immediate or apparent results. For example, building a sizable amount of emergency fund. There seems to be countless emergencies popping up draining away our emergency fund, and we keep on trying to replace the depleted account. It may feel futile and sometime we just want to give up.

When you want to give up, remember the lesson from the sweeper. He kept on sweeping because he wanted to minimize the risk of people falling down due to slippery walkways or stairs. It was not futile because it was about minimizing loss and risk.

When we build our emergency fund, it is also for minimizing loss and risk. We reduce the risk of falling back into debt. It is not a futile thing to have a money cushion in the event of emergency or unexpected situations.

If you are still struggling to build your emergency fund, don’t give up! You are on the right track and sooner or later you will get there. Press on!

Learn and grow!
Inge Santoso, B. Com, CFP®

My Luck with Starbucks

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Yesterday I went to Starbucks to buy Starbucks’ 11th Anniversary mug. I had a voucher that entitled me for 30% discount. The price of the mug was quite expensive, Rp 75,000, and after discount it would be Rp 52,500.

While I was there, I was offered to get Starbucks Reward Card with a minimum balance of Rp 100,000 and only for yesterday, I could get a free beverage (Mocha Cookie Crumble Frap tall size). I thought it was quite a good offer and I certainly could use the discount, so I agreed to get the Starbucks Reward Card for Rp 100,000.

When they entered my purchase into the cash register, somehow the total amount came out to be Rp 130,000, instead of Rp 152,500. I told them that the amount did not seem right and they also agreed with me, but they had to follow the cash register. I ended up paying only Rp 130,000.

I considered myself lucky when dealing with Starbucks because yesterday was the second time that I got something extra from Starbucks. Last time, I got an extra free drink because of another error.

I put away Rp 22,500 into my lucky note stash to remind myself that sometimes I am just lucky! 

Do you have similar experience? If you do, please share in the comments.

Learn and Grow

Inge Santoso, B Com, CFP®