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Personal Debt Wrangler – Had my money head in the sand – but no more!


Money Lessons in Marine Life


I don’t know what was going on this week but I can’t believe the number of videos I saw that were oceanic in nature.  Did you see them?  I do love some big blue ocean,  so it made me want to look them up so I could watch again (I originally saw them on the TV news).

They lead me to other fantastic sea videos which I loved so much,  I wanted to share.  So not to worry folks, if you missed seeing great marine life videos this week, or want to see them again, plus more, I’ve got you covered.

Besides, Discovery Channel is starting their advertising campaign leading up to Shark Week which starts August 10 so this will rev you up for that.  Don’t get Discovery because you canceled cable to save money?  Well then, you’re in for a treat.

But since this is a personal finance blog, I need to keep things relevant and that was not hard to do.   First watch the video, and then I will tell you what this video is saying to you in personal finance terms.


So we are gonna have a whale of a time and there’s even a special photo taken by moi that I am proud to share amongst this fabulous collection of videosl

Double Breach

Did you see that?  She took your eyes off prize just for a short bit and then missed the opportunity to see the complete double breach jump.  Um ya…., that’s like if you finally put your money where your mouth is and bought Apple (Disclosure:  Short AAPL ha ha) in March this year at $75 even though it was lower than $60 for a bit in April and June of last year.


Source: Apple Inc. Stock Chart

On the positive side, she’s got it on video and with a selfie to boot!    That’s gotta be worth some money!!  [Personal note:  we took the same boat tour in September 2011 but didn’t see one whale]

Not Checking Your Money

Did you see that at 39 seconds?  Maybe it’s hard to see the whales, I dunno.  Apparently the pilot didn’t see it but only avoided the landing because of the antics of onlookers on shore.  I would have thought that in an area where whales are quite common, you would be checking for these carefully as you land.  What does this remind you of?  How about not checking your bank balance before you use your debit card so that you don’t go into overdraft?

Money Trickery

This was reported as a ruse put on my The Discovery Channel to raise excitement of their upcoming shark week.  Was it brilliant or slimey?  Slimey as in when you do your homework to check out all the prices on a new TV, decide to buy from one place and find out the salesperson neglected to tell you that the wall bracket costs extra.   Ya?  But then you bought the TV anyways, right?  I mean it is SHARK WEEK after all.

Big Problem

You’ve got a whale of a financial problem, it’s ugly and “you’re in the bottom of the ocean alone”.   (You feel like) you’ve got no one to help you, no one you can talk to, but if you can figure it out and pull it off what a story it will be.  Anyone else feel like that?  No one?  Just me?

Well truth be told, I used to feel this way.  Now that I’ve started blogging I feel like I have people to talk to.  Lots of people.  Thank you.

Money Constraints

Does your budget and frugal living sometimes make you feel like you’re on the periphery and not having fun?  It’s like you are looking at everyone playing, like the pelicans, but not able to partake.

Don’t let your frugal living put you on the bench.  There’s lots that you can do that doesn’t cost money.  I, for one, am just thrilled by all these on line videos I can watch  for entertainment purposes.  It’s not the money you can’t spend, it’s the money you choose to save that’s important.

Financial Wins

Witnessing something unexpected is like winning a prize or getting a bonus that you didn’t expect.  You can’t believe you are witnessing this.  You’re in the right place and the right time and it feels so good.

Celebrate small financial wins in a joyous manner.  They will happen, and probably when you least expect it.

Leap into Investing

You have a lot of built up anticipation before you finally make your first investment in equities.  You think it’s going to be good but it’s also kind of scary.  The suspense is quite real.  Hang on for the ride, but don’t get freaked out by all the ups and downs.

The Good, The Bad and The Ugly

I have a confession.  I’m afraid of big fish.  And by big fish I don’t mean any big fish, I mean humongous groupers.  Aren’t they the ugliest looking things?  Well after watching that video and now that I know they are an endangered species, I feel kind of sorry for them and now I think they are kind of cute.  It’s a bit like feeling sorry for the Joneses.  I mean, they don’t realize their money is going to be extinct if they keep on spending the way they are.

Mr. Pay Day Loan


Mr. Pay Day loan is courtesy of moi, although The Irishman will say he took the photo but I do think he is mistaken.  He was found off the shores of Cozumel while we were scuba diving.  Great place to scuba dive.  Mr. Pay Day Loan found some unsuspecting divers borrowers to lend money to and I caught it on camera.

Barracuda looking at food you see that?  Just in case you missed it I’m gonna show you again, fully illustrated.

So there you have it, all your money concerns illustrated by oceanic situations.  Have you ever heard the expression “You can’t fight the ocean“?  Well that’s true, I totally agree with that.  But as far as personal finance difficulties go, you can fight ‘em tooth and nail fin.

*Note:  The first three videos are the ones I saw on the news this week that spurred this post.

Linked to Friday Jet Fuel #2


Shoeaholic No More
This post was featured on Rockstar Finance


Author: debster

I am a fifty-something wife, mother and new grandmother, who admits to having their “head in the sand” about their financial situation until amassing $247,500 worth of consumer debt for a total debt of $393,500. We've paid $121K in 2 years with four more years to go. Join my journey at sharing ideas and motivation to all those coping with poor money management and bad debt decisions.

63 thoughts on “Money Lessons in Marine Life

  1. Haha, awesome! :)
    You should definitely check out the BBC documentary “Deep Blue”.

    Also, I truly love big fish. Imagine you just had to swim, open your mouth and you’d end up with a mouthful of tasty smaller fish! If only we could make that happen with money. (Although I don’t want a mouthful of coins.)
    No More Waffles recently posted…My Only Rule For Financial IndependenceMy Profile

    • OK, will do that check that out. I think I’ve heard of it before. I may have already seen it but would love to watch it again. I usually watch all the shows about the sea as I find them fascinating. I love to scuba and snorkel as well.

      Your comment about taking up a mouthful of smaller fish made me laugh and reminded me of a photo I once saw of a big fish with a small fish in it’s mouth (photo-shopped, I think). I can’t find it so you’ll have to settle for this one instead. ->

      • Let me know if you liked it! (But I’m sure you will.)
        I’ve never been scuba diving, but it looks so awesome. Someday!

        There are some species that actually work together. I believe the smalls ones get to ‘clean’ the big guy’s mouth. Win-win: the small fish have food, the big fish have clean teeth and less parasites!
        No More Waffles recently posted…My Only Rule For Financial IndependenceMy Profile

  2. Oh my goodness, I loved this post! What a way to stick out from the crowd!
    Kirsten recently posted…Success Story Saturday + Good Reads: Strawberry FieldsMy Profile

  3. Ah, very clever. Financial analogies derived from aquatic occurrences. Nice.
    SavvyJames recently posted…Living Frugally: Give Blood, Save Lives and Get Out of DebtMy Profile

  4. I love this post Deb!! Financial inspiration is all around you just have to be open to receiving it. I completely relate to the photo of the guy at the bottom of the ocean with a huge whale. I think money issues can feel like that, massive and scary and we feel alone dealing with them. The great news is that we are not alone sometimes we just have to ask for the help, but it is there.
    Shannon @ Financially Blonde recently posted…Weekly RoundupMy Profile

  5. You’re so creative Deb! Mr. Pay Day Loan really amused me. “It’s the money you choose to save that’s important.” Very true. Sometimes I did feel a little left out when my boyfriend and I decided not to go out with friends, but we always made it for the inexpensive events.
    E.M. recently posted…Being Grateful: Thirty-Fifth EditionMy Profile

    • Isn’t he special? He’s how I envision Pay Day Loans to be in the aquatic world! I know the feeling of feeling deprived but if you turn it around and look at it from the positive sense, it’s much more empowering. It’s not a question of if you spend money, it’s how and how much.

  6. Investing is one of those moments where looking away for a bit actually helps so that you CAN weather the ups and downs without making an emotional, short sighted choice.
    Stefanie @ The Broke and Beautiful Life recently posted…How To Choose A Bank: Find Your Perfect MatchMy Profile

    • Agreed, Stephanie… you have to have a strong stamina to watch the movements and not stress. But as long as you’ve made a pact with yourself to not do anything, or only do something when x occurs, it’s the best way to cope.

  7. Very creative post! Well thought out. You know the one that got me the most, and I actually have tears streaming down my face typing this, is the one with the diver alone at the bottom of the ocean with the whale. I mean first, its just an awesome moment and picture, but what you said made me feel a connection, because we all can relate to that feeling. And it’s about connection in general-how we are all more connected…more similar than not. Even the whale and that human. It’s all just nature..very cool!
    Tonya@Budget and the Beach recently posted…Change of Plans/Link LoveMy Profile

    • Nature is so cool! I just love it. Thanks so much for your connection, Tonya! I’m so stoked that you found that video and analogy relevant. I didn’t mean to make you cry, but if it’s a happy cry it’s all good! :-)

  8. I love the fish analogies! And this is perfect: “It’s not the money you can’t spend, it’s the money you choose to save that’s important.” Yes! Thank you!
    Mrs. Frugalwoods recently posted…Weekly Woot & Grumble: Award-n-ConferenceMy Profile

  9. I cancelled the cable for the summer because I am too busy working/travelling to make it worth it, so I do miss some of the programs on the Discovery Channel and I will have to check if they’re available on iTunes.
    Dan @ Our Big Fat Wallet recently posted…My Favourite Warren Buffett QuotesMy Profile

    • Hey Dan! It hardly seems worth it doesn’t it? As I write, The Irishman is on the roof installing cable for the big digital antenna we picked up this week. We canceled Bell cable but it will take a month before that $84 bill goes away. They called us back a day after, and tried to get us to stay for $30 / month. Crazy, I need to blog about this.

  10. Great post Deb. I’m a big fan as you know of getting you financial act together, but really love marine life too! I’m a certified scuba diver. Such a great way to spend an afternoon.
    Brian @DebtDiscipline recently posted…Week End Round Up #41My Profile

    • Oh so great that you’re certified, Brian. The Irishman is too! I’ve only done the resort scuba training but I feel quite comfortable scuba diving. I’ve done it twice. I like to snorkel as well. I feel really at home in the water.

  11. LOL, funny, Deb. :-) Awesome pics/videos too!! That one of the guy and the giant whale is one I could totally identify with. :-)
    Laurie @wellkeptwallet recently posted…WKW 39: Fueling Your Passion and Staying Ablaze with John Lee Dumas, Founder of Entrepreneur on FireMy Profile

    • A lot of us with big debt seem to relate to this one! Thanks for visiting, Laurie, as always!

  12. Wow, what a collection of videos, you’ve been hard at work!
    This was pretty entertaining :-)
    Anne @ Money Propeller recently posted…Friday Jet Fuel #2My Profile

  13. What a cute way to tie in marine life with finances – great job using analogies here, Deb!
    Natalie @ Financegirl recently posted…Is Selling Your House Without A Realtor A Good Idea?My Profile

  14. Great job relating marine life to money issues. My hubby has told me he would love to be a fish or other marine animal if he ever re-encarnated. He loves marine life. ;)
    Practical Cents recently posted…Being Caregivers to Our Aging ParentsMy Profile

  15. You are soo creative! Job well done Debs :)
    Kayla @ Shoeaholicnomore recently posted…Everyday I’m Hustlin’My Profile

  16. No mention of sharknados??????? Its a very real problem. I really liked your analogy of APPL and the double breach whales. It is so true, as it is really tough to time the market as you never know when one of your investments will take off!
    Asset-Grinder recently posted…$2,111,481 My Net Worth Update July 2014My Profile

    • Sharknados? What is that? Have I been living under some coral? Ya, I don’t think timing the market is aquatically viable. ;-)

  17. That big problem was scary! This is totally an awesome post and how we can relate our financial problems in marine life.
    Clarisse @ Make Money Your Way recently posted…Toddler damage prevention tipsMy Profile

  18. This post must have taken a ton of time! Super creative! This is a great quote from the post -> “It’s not the money you can’t spend, it’s the money you choose to save that’s important.” Saving – or investing – money can have a big impact on finances long-term.
    DC @ Young Adult Money recently posted…4 Reasons NOT to Quit your Job to Start a BusinessMy Profile

  19. I absolutely LOVE whales and sea life! I love the ocean!!! Great post!

  20. You remind me of my dad! He loved to watch this kind of show so we watched lots of Animal Planet and other similar channels when I was younger. He then would tell me all the facts about those animals — good times. I loved how you made an analogy to personal finance situations, spot on.
    Suburban Finance recently posted…More Free Stuff for Grown Ups!My Profile

  21. I’m definitely an ocean freak! I love videos like these. It’s awesome that you were able to come up with ways to attach them to finance…way to think outside of the box!
    Josh Rodriguez recently posted…Data Correlation = Profit | Binary Options CornerMy Profile

  22. The ocean is so beautiful and amazing. There is a lot to be learned from it, and I love the relation between the ocean and finances. If I had missed that double breach, I would not have been a happy camper!
    Daisy @ Prairie Eco Thrifter recently posted…How Healthy Do You Eat? Take These Steps to Improve Your DietMy Profile

    • Small world story, Daisy… it turns out our next door neighbours just got home from Newfoundland and were on that same boat tour at that time and saw that double breach. Isn’t that such a coincidence?

  23. Thanks for this! I needed some… “don’t give in, you can do it!” inspiration today to keep me from making some out-of-budget-but-i-feel-sad-and-this-might-bandage-it-until-I-feel-even-more-dumb-later purchases. Except, whales are so very beautiful, my debt not so much ;)
    Leigh recently posted…Fab Fit Fun VIP Summer Edition 2014My Profile

    • ha… glad it gave you a little inspiration, Leigh. Sometimes we need that little jolt or pick me up to ensure we continue to make good money decisions. Don’t use spending as a way to manage any unhappiness or depression. It doesn’t work and only makes it worse.

  24. Cool, that’s a pretty insane collection of videos. Considering how long this post is (and the number of videos), you must have spent an insane amount of time. You did a pretty good job relating marine life to financial issues.
    Troy Bombardian recently posted…How Inflation and Demand Impact Gold and Silver PricesMy Profile

    • Thanks, Troy… it’s kinda silly but I just felt inspired this way. Sometimes we need to make personal finances fun and entertaining and I aim to entertain!!

  25. Oh my goodness, this is one of the most awesome-est post I’ve seen. Thanks.
    Peter recently posted…5 Personal Finance Advice We Learn Too LateMy Profile

  26. That video of the double breech is all over our news, pretty neat and happened close to home :)
    catherine recently posted…How To Face Your Debt For The First TimeMy Profile

    • Ya very cool. The funny thing is that our next door neighbours were on that boat. They were down in Nfld for their son’s wedding and on the same boat we were on when we were in Nfld 3 years ago for our daughter’s wedding.

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  30. I enjoyed watching all of these videos. My favorite was the National Geographic photographer. I can’t imagine being alone in the middle of the ocean with that massive whale. What a beautiful moment.
    Michelle recently posted…Weekly Roundup #40: Oh Crap, a Broken ComputerMy Profile

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  32. I had seen a few of these videos ( That one with the plane almost landing on the whale was insane!), but definitely not all of them. Thanks for sharing!
    Ryan @ Impersonal Finance recently posted…do the math: cableMy Profile