29/1/2013 Lottery ticket (Photo credit: barbourians)
I’ve played the lottery over the years a handful of times each in three states. I’m definitely not what you’d call a regular lottery player at all, but I still have a “If I win the lottery plan.” written down on paper. Seriously.
Why? Because I’m a nice person (mostly). I am sympathetic to people hurting or in need. I have champagne tastes (except when it comes to wine) and I’m on a beer budget. And I know what it’s like to be in financial trouble. I think I’d be a prime candidate for one of those lottery win gone wrong stories. So I made a plan. My first thought when I’d heard the Georgia Mega Millions winner came forward immediately was, “I hope she has a plan in place.”
I’d show you a photo of the list, except no one can read my chicken scratch from 100 years ago. So here it is:
If I win the lottery
- Tell no one. Not husband. Not mama. Not daddy. Not siblings or even your BFF since kindergarten. Tell no one.
- Put the ticket in a secure location.
- Call in to work sick if you work.
- Spend that sick day securing a financial planner, lawyer and an tax accountant. Put together your team of professionals who will know how to manage money. As much as you may want to give friends or associates that business, don’t do it.
- Once all the money is accounted for, working with the professionals. Come forward.
- If the state lets you remain anonymous, take less and do it, if not make sure you have proper security before you come forward.
- Take the lump sum.
Lottery win goals
Goal 1: Income for life that covers salary, cost of living increases and my retirement
Goal 2: Pay-off any debt I have
Goal 3: Give to charity (Make sure you have selected the charities you want to give to.)
Goal 4: Set aside a stream of funds to take care of my parents
Goal 5: Arrange for a Hawaiian vacation for my parents, myself and brothers.
I also realized I would have to move. And quickly. To a much more secure location temporarily. Also, now I’d have to disable my social media accounts and change my phone numbers. Having the money accounted for would help me to say “No,” to all of the requests that would come in to “let me hold X amount for a minute” or “Would you like to give X amount.” If I think I get calls now, I’m sure they’d triple if I was a winner. One other thing I’d update my list with is 1. Make time to dream and 2. make and prioritize my bucket list after taking care of business.
As of today the co-winner of the Mega Millions jackpot has not come forward. I hope that person is planning for that windfall right now with the appropriate professionals. It would be awful for such a great thing to become a worst nightmare.
Day 1 of this challenge brought the following revelations:
- I find myself thinking about food in a more desperate, obsessive way than normal.
- Eating on less money/cheaper food was easier as a kid when I didn’t have allergies, digestive issues and low blood sugar.
- I don’t eat much normally so quantities didn’t worry me. But I do tend to nibble and snack a lot versus eating full meals. This helps keep my blood sugar balanced. Having to wait for meal times is harder than I thought.
- I’m starting to see that bread and rice will be my best friends. Toast makes a lovely snack with honey or jam.
- But, satisfying my sweet tooth is going to be really hard. Budget doesn’t allow for me to even make a homemade cake or pie, ice cream, candy or popsicles.
- I have several food allergies and digestive issues. I realized that if I had to eat on this amount it would be difficult to afford the foods that help control my digestive issues without having to use prescription drugs. And most likely if I had to be on food stamps I wouldn’t be able to afford those medicines. What would I do? This is the kind of stuff politicians can’t seem to understand is real. (But that’s another post for another day.)
- I’m allergic to apples, pears and bananas. Citrus fruits I can eat but provide the fiber that isn’t best for my condition. The fruits that work best for me and that I like: blueberries, strawberries, cantaloupe and pineapples are too pricey, even canned.
- I didn’t allot for veggies at all. Not very healthy.
- Condiments do count in the real world. We’re lucky they don’t for this challenge.
Money really is tight for me right now thanks to an unexpected $400 veterinary bill happening at the time when the mortgage, HOA and one of my biggest bills is due. So I couldn’t afford to waste money buying things I already have just because they cost less and would keep me within the $20.75 budget. So I decided to mostly use what I already have, supplementing that with items I needed anyway such as bread. One thing I’ve already realized is how expensive even the basic staples I buy are, like bread, eggs and milk.
Here’s what I came up with:
- 2 waffles – $0.76
- 2 cups of coffee (w/ sugar and creamer) – $0.26
- Tuna sandwich – $0.67 (portion of tuna and bread combined)
- 1/2 package beef flavored ramen noodles – $0.40
- 1 cup Lemon ginger tea – $0.19
- One slice of toast with honey – $0.33
- 1/3 package beef flavored ramen noodles with one fried egg – $0.72
- 1/2 of turkey burger patty – $0.75
This brought me to a grand total of $3.75. And then I decided to drink a 7.5 oz can of ginger ale to settle my stomach which at 54 cents, pushed me 14 cents over the budget.
I think I have a better plan for day two. I’ll also remember to take photos tomorrow.