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Archive for May, 2011

Passive Income

May 24th, 2011 at 05:37 am

Got $33.00 from some scratch off tickets I was given for my birthday and a $3.00 Pinecone payment.

Previous Amount: $215.99
Add monies: $36.00
New Total: $251.99

I turned 50.. Not so bad

May 20th, 2011 at 05:13 am

This past Monday, I turned the big 50. People tell me all the time that I don't look 50. I definately don't feel 50. But, I did find out that 50 brings simple presents like.

A big deducation on my insurances. I didn't know this. Not sure exactly how much, but when I was in the insurance office giving them my daughters transcript for her good student discount, the lady pulled up my account and said, Wow, 50, you get a discount also. Sweet.

I can now join the most awesome Senior Citizen Center located near my home for $175.00/year. It has a pool, workout room, trips and too many amenities to mention. The only problem is I might get mistaken for someone who works there and get asked to do something. Then, I would have to be mean and tell the senior citizen next to me to get his own juice and that I am here for the same reason...I'm old.

Lots of great simple gifts from my family. They know I lead a simple life and don't like things complicating it, so I ended up with tomato plants, a new curling iron, a gift certificate to eat out, a $25.00 check to put towards a new dress (that is what I was told) and scratch-off lotto tickets in which I reaped $33.00 from. I was taken out to breakfast, lunch, dinner and drinks - all by different people and my whole birthday celebration lasted a total of four days. Now that is the way to celebrate.

I also picked up a new house cleaning client and cleaned her house this past week. Worked three hours to the tune of $85.00.

Plus, finished my last class and received my Certificate. I am now certified in Excel, Powerpoint and Word.

I am ready for what this next year holds for me being 50. This should be fun.

My New Office and working from home

May 18th, 2011 at 07:37 am

This is somewhat what my new office space will look like when it is done.



I have the perfect corner to match this pic, just need to move some items around to make room for building the shelving unit.

I have been working on building my businesses utilizing all of my different educational training over the past 50 years, and these are what they consist of:

*Managing a seasonal Club (Memorial Day to Labor Day)
*Two cleaning accounts
*One catering account
*Cake, cookies and muffin baking accounts
*Excel and Powerpoint accounts (Resumes, etc.)
*Invitations accounts(Graduations, Weddings, Showers, etc.)
*Interior Decorating accounts.

I am going to utilize/organize the binder area to cover the areas mentioned above to keep the documents needed for those accounts readily available.

I am also going to do a filing system with my clients contact information.

The office/bookshelf area will also be utilized to run my household and will consist of items needing to be recycled like ink cartridges (which give me money), couponing, rebates, paying bills, etc.

I can't wait to put it all together. I will take before and after pics and I am sure, as I go along in putting it together, more ideas will pop into my head.

Hoping to be able to completely work out of my home and not return to an office job within a year.

Great to have a stash so you don't become gift poor.

May 18th, 2011 at 06:52 am

My stash closet came in handy over the weekend for one of the bridal showers I needed to attend. It ended up this future bride registered at Bed, Bath and Beyond and I just so happened to have what she was looking for...a couple ceramic storage containers and a beautiful frame and found a matching gift bag in my bag stash.

I keep all my gift bags from years past from mother's day, birthdays, etc., so there was no cost out of my pocket. I keep two under the bed containers...one for general bags and paper and one for Christmas bags, paper and ribbon items.

While I was in the stash closet, I was looking through my items and found that I would have what one of the other brides was looking for in her upcoming bridal shower, so I pulled those items out and found another gift bag to match.

We always give money for the weddings and graduations, so I am feeling lucky that I have the items already for the bridal showers. We can become gift and insurance poor if we don't plan ahead.

Now, I have been organizing all of my coupons and really sticking to a coupon plan to build my food and essential household stash. I don't buy items I would never use, so I have been giving those coupons to family and friends. I really need to cut back on my grocery and household bill. I have been averaging about $500 per month, but want to get that amount down considerably, so I am loving this challenge.




Busy, Busy, Busy, but Debt Be Gone

May 11th, 2011 at 05:00 am

It's been extremely busy around this household lately. Many doctor and dentist appts., some with insurance, some without, but I am still managing to eat away at my debt.

It looks like if I stick to my aggressive plan, I will owe less than $10,000 in debt, have $5,000 in my savings account (which I could put towards debt) and my mortgage will be under the $100,000 mark come the beginning of 2012.

I could actually have all of my debt paid in 2012, if I wanted to put my savings and my tax return towards my debt next year. Then I would probably only have a couple thousand left to pay.

It is an ambitious goal, but I am going to entertain it for as long as I can.

Then, my focus would be on rebuilding my savings account and paying down my mortgage with gazelle intensity.

Frustrated - Help Me Stay Focused

May 6th, 2011 at 06:28 am

So, I think I could have an extra $800 to work with this month. What I would like to do is wipe out the Goodyear and the Doctor Bill, but I know I should be slapping the extra money right on the Discover.

It always feels good to get straggling bills out of the way, like the Goodyear and the Doctor Bill, but I am not paying any interest on them.

But, the Discover I have been paying $105 on every month, with $80 of it going to interest. So, of course, I should be paying as much as I can to get that darn Discover debt eliminated, then my snowball would really be rolling.

So frustrating.

Sign of the Gas Times

May 4th, 2011 at 05:45 am

So, I have noticed on my rounds yesterday that there were about 6 trucks for sale in people's front yards.

Now, I know that it is costly to fill up a vehicle these days. I just filled up our Neon with 11 gallons and it cost me $46.00.

And people are getting creative with their For Sale signs. One truck had written in big letters on the windshield "No Rust On This Truck".

It is really too bad that people have to try and sell their bigger vehicles because they have to cut back somewhere in order to make other ends meet.

It is kind of sad, cause if they are selling their trucks because they can't afford the gas, I am sure people aren't buying them just for the same reason...they can't afford the gas.

Had to Change My Spending Plan Again

May 3rd, 2011 at 06:07 am

I updated my "Spending Plan" on my sidebar.

After paying my regular expenses and with adding my new debt, I only have about $213.00 left over for groceries, gas, etc. Good thing the spring/summer season is here, cause I can get ahead with growing lots of our own food, canning, freezing and storing.

Although, right now our income has been a bit higher, because my husband has had a lot of work, that is not usually the case. I have been banking any extra income he has given me and have really sticking to my plan as outlined on my sidebar.

My goal is still save all of my money from my summer job which brings in somewhere around $3,000 for the season, and any extra income I have been getting from my husband.

If worse comes to worse, I can pull out some of that savings to pay off some debt, so we can still live within our means, but I really need to get us set up for the winter months ahead.

We do have a couple projects and items that need to be done or purchased this year.

*Re-drywalling our small bathroom with green board to eliminate mold, new window surround, baseboard and better vent to eliminate moisture.

*Lawnmower (ours was stolen last fall). We were given one yesterday, which keeps stalling out, so a friend is emptying the gas and changing the spark plugs to see if he can get it to stay running. But, it was free, so hopefully he can get it to work for us.

*Two apple trees to espalier for the front side of my home. Meijers has them right now for $20 each.

*Vegetable garden seed and plants. More canning supplies - hoping to find at garage sales throughout the summer.

*Working on my home business. I am going to plan and organize it through the summer months in a journal, so I can start right in on it this fall.

*Water magnets. Our water has a lot of iron and calcium and the magnets help with that problem.

*Two new burners for my stove. I have to light two of them with a match.

That is all I can think of off the top of my head. So here is to my new Spending Plan going smoothly.