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Passive Income and Beach Money

July 22nd, 2011 at 04:56 am

Got $21.70 for a mileage and parking reimbursement. It really doesn't cost me very much to drive to and from the hospital, so I am adding the full amount into my passive income total.

Previous Amount: $251.99
Add monies: $21.70
New Total: $273.69

I had another check added to my savings account from working my beach job. I am now up to $1711.14. I should have 3, possibly 4 more direct deposits left before the season is over. A nice little chunk of change.

Debt Be Gone and Gardening around the Cottage

July 15th, 2011 at 08:19 am

I was able to pay off the doctor bill and the car repair bill. Now that those debts are out of my way, I feel so much closer to my Debt Free goal.

I did transfer a little money from my savings, but I still have my emergency fund in place, due to my summer job income being directly deposited into my savings account.

I also have been digging out in my gardens today. Seems I have been so busy this summer that I haven't had a chance to play in the dirt. I have some Herbs that have gone viral, a Spearmint and Chives, so I have been digging them up. I re-planted some Spearmint and Chives in my large cement urns I have planking my stairway to the sidewalk. They look so great in there, plus they will grow every year and I won't have to re-do them for a while.

I also planted some other large pots, one with Spearmint and one with Chives, to give to my son to use at his home. I am really in need of getting rid of a lot more Spearmint, so I can make better use of that portion of my garden. I think if I can eliminate most of it, it will be great little place for a brightly colored painted bench, possibly in yellow or teal.

I can't even tell you how theraputic my day has been. I am not sure if it is the euphoria of eliminating debt or smelling all of the Spearmint, while digging it up, that has refreshed my soul.

Anyone Christmas Shopping?

July 13th, 2011 at 05:39 am

I can't believe I am thinking about Christmas shopping already, but I am. I have asked my children for their Christmas and birthday lists. Two of my kids have birthdays in December.

My youngest, 16, says "Has 7 months gone by in this year already". Yes, baby boy, there are only 5 months until Christmas and I need to start now.

My goal is to find the best deals, although some of the best deals don't come until after Thanksgiving, so it will depend on what's on their lists.

My Christmas shopping consists of:
My oldest son (26) and his girlfriend (24)
My daughter (she will turn 20)
My youngest son (he will turn 17)
My husband
Two nephews and a niece (7,9 and 11)
and possibly a couple other kid and adult gifts depending on the parties we will be attending.

I would like to do gifts in a theme something like:
*Something you need
*Something you want
*Something to wear
*Something to read

I thought this was interesting: http://thesavedquarter.com/100-holiday/

Anyone else Christmas shopping?

Just wanted to say

June 29th, 2011 at 05:15 am

That next month I am kicking that little doctor bill in the behind, because it is just knawing at me. And, then I am gonna kick the Goodyear in the behind, cause it should have been something I should have been able to pay cash for, so I want it gone.

I know I should be concentrating on the Discover, but I am having a hard time focusing on the Discover when those two small debts are in my way.

Just saying.

I need to kick this Debt in the behind.

June 17th, 2011 at 06:34 am

I really need to figure out a way to kick my debt payoff into gear. It just seems to be taking such a long time. My payoff says 35 months at this point.

I am planning on putting my income tax refund in March 2012 towards debt, which should be around $1200/$1500, which will help a lot. I think if I can get that Discover card out of the way, the snowball would really be rolling.

I was earmarking all of my summer job income to pay cash for a vehicle for myself sometime in the fall. But, if it is still working out with my daughter and using her car, maybe I will put some of that money on my debt. I will have to revisit this idea in September. Maybe I can find a really good used vehicle and pay down some debt, all at the same time.

I also think I should absolutely go through every bit of my house, just to see if I can come up with enough items for a yard sale. A fall yard sale would be nice. Even if I didn't use it for debt, I could put the money from the sale towards Christmas.

Well, any positive ideas are always appreciated.

Beach Job

June 8th, 2011 at 04:54 am

Getting my first direct deposit from my seasonal beach job on Friday. The amount $340.88, after taxes. It gets directly deposited into a savings account.

I am saving all of my summer job money to use to buy me a vehicle in September/October.

Toys on the Lake

June 6th, 2011 at 04:32 am

As my husband and I were paddling our "given to us" paddle boat around our lake yesterday, we got to get an up close and personal look at the new fun stuff everyone has acquired for the new summer season.

A couple homes that were "for sale" have been bought up and families have moved in. Lots of the lake homes had new patio items and umbrella's on decks, new sand in their beaching areas, new loungers and floating toys in their swimming areas, but what really caught my attention was all the new boats on the Lake.

Now, I manage the beach and boating club which is one of the only accesses to the Lake, so I got to see most of the new ones coming in, but I guess I didn't pay as much attention until I was floating around the Lake yesterday.

I found myself a little on the jealous side telling my husband that I would like new patio furniture, that motorhome, that speed boat, pontoon, hottub, jetski, that's a nice car, etc.

Holy Cow, here I was in our very used paddle boat, that my husband has added drink holders and other ammenities to it, to which I now call the "paddelac" wanting more and not thinking about the debt consequences that most of those people, with all the new fun toys, were probably in.

I am glad I woke up this morning and realized it, but I am still on a quest to buy myself a used, new to me vehicle in September, have a used boat with a motor possibly next year, a hot tub and a motorhome somewhere down the line (if gas prices stabelize). I need to make a plan, putting dollars next to them, and saving towards those future items.

But, what a fun time we had yesterday on the Lake and got a great tan to boot.

The Bill Game - I will keep on paying

June 2nd, 2011 at 05:27 am

I started this game with my bills, where I would add a little extra to each bill, each month, in order to get a month ahead.

Well, it worked, and this month, I got two bills in the mail that say "Credit of: xxx amount of dollars, Do Not Pay" and I thought, why not. This sets me up for the fall/winter time when my husband is not working as much and our income is significantly lower. It would be better to be working off a credit going into those months, instead of struggling to make the payment.

I am going to keep on paying and keeping track of my credits. It would be great if I got all of my bills to that point come December, January and February and got "Do Not Pay" on all of them.

It was a fun experiment and it proved to work showing me this month that I am ahead of the bill paying game on two expenses.

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.

Learning from Yesterday's Entry

April 29th, 2011 at 05:53 am

After my electric, gas, cable, vehicle and homeowner's insurances all went up in the past month or two; and I have had to adjust my spending plan one more time to accommodate the extra monies going out, I need to become more self-sufficient, more than I already am.

I really need to get back to better homesteading which will include more vegetable gardening, canning, freezing, couponing, rain barrels for watering, finding better ways to heat my home, better usage of gas, less driving, more walking, combining errands, and just overall being more self-sufficient.

I have an idea for work I can do from home, which I am going to explore and research some more.

I am not supposed to raise chickens in my area, which is a bummer, cause I could really benefit from about three of them...Eggs for eating and good fertilizer, so I need to research and find good resources for local eggs, meat and honey.

I have an awesome 1600 square foot cottage, which I have renevated, in a great area of Michigan, which has lake priveleges. I am gonna invest a little money into some more apple trees, a peach tree, blueberry bushes and more strawberries. After finding Rosalind Creasy and her books: http://www.rosalindcreasy.com/edible-landscaping-basics/ and this article http://latimesblogs.latimes.com/home_blog/2011/04/rosalind-creasy-the-woman-to-consult-before-planting-a-kitchen-garden.html She is also on youtube, I have been changing my lawn and flower gardens over to a more edible landscaping. And, my hopes are to utilize my yard for most of my food (except meat).

So, here is to going forward with a more self-sufficient life in hopes to bring down some of my expenses in the process.

Expenses Keep Going Up - whats going on

April 28th, 2011 at 05:34 am

My regular expenses have been coming in for the month of May. I am on the budget plan, where I pay the same amount every month to avoid high bills in the winter, on my electric and gas bills. Well my electric bill just got here and it is in its settlement month, so it has re-adjusted. It went up $32 a month, which just seems high to me. I looked to see if my usuage went up, but it has been down, so it must be the price of electricity that has gone up.

Then I got my insurances (homeowner's and vehicle) and it has gone up. I haven't pulled out my statement from a year ago to see how much, but I am wondering if this is due to all of the devestation with earthquakes, tsunamis, floods, tornadoes, etc. I am probably gonna have to call around. I have excellent credit and have not had any accidents, tickets, claims, etc. to check on prices with other insurance companies.

Also, my combined cable/internet/phone bill went up $5/monthly, which is an extra $60/year. I, personally, could do without all of this, but I do have two children left at home, one in 11th grade and one in college, that utilize all of the above. I probably could actually ditch the land-line, but that is like a comfort zone to me. I am sure I will eventually break away from the landline in order to keep my budget in check.

Just waiting now on the gas bill to come in. I am sure it is close to its adjustment month, because I started it around the same time as the electric. How much will it go up. Afterall, oil is at an alltime high.

It seems that when I find an area to cut back on, the other expenses keep going up. It is so frustrating that I have to rely on electricity, gas usuage and a vehicle. I have already sold my Jeep and I am sharing a car with my daughter to cut down on costs for both of us. It is very hard to become more self-sufficient when the areas you cut back on get hit even harder. Let alone, having my children even think about moving out on their own someday.


Random Updates

April 26th, 2011 at 05:42 am

Well, my niece had her baby, which I was privledged to help deliver. This is her second baby girl and I was in the room with her for both of her deliveries.

The invitations are starting to roll in. I have come to the conclusion that I will not be able to attend all of the invites. With 4 weddings, 4 bridal showers, 3 new babies, 2 baby showers and a graduation open house, I am gonna have to choose how to handle the extra expense.

Classes for me and my daughter are coming to an end in May, then opening up the Club for the summer season. Looking forward to a different more relaxed schedule. Also looking forward to banking all of my summer job money into my savings.

Needing to go through my closet and update my wardrobe. I have had to throw away my favorite spring jacket and a pair of capris just in the last week because they were falling apart. Looking to update my summer wardrobe, buy some new dresses for the upcoming weddings and showers and a new summer purse. Gonna try real hard to find what I need at consignment and resale shops.

I am also adding to my edible landscaping this year and need to purchase a couple apple trees, a peach tree, blueberry bushes and strawberry plants, plus the regular yearly gardening plants like tomatoes, cucumbers, pumpkins, etc. My 50th birthday is coming up, so I am gonna let my kids and husband purchase some of these items for me.

Looking pretty stormy today, but I need to get the potatoes planted before the rain.

Passive Income

April 23rd, 2011 at 06:01 am

Got a $20 rebate check back from visa rewards and a $3.00 Pinecone payment.

Previous Amount: $192.99
Add monies: $23.00
New Total: $215.99

More Debt and Savings

April 22nd, 2011 at 05:54 am

Yes, I have added to my debt column. Really couldn't be helped.

First, my daughters car was in need of some repairs; and came at a time when insurances where due and my son needed some dental work for a bad cavity.

So, got the work done on the car, but opened a credit card with 6 months no interest. Cost of the repairs is $503.

Now, my son's teeth. He has a very beautiful smile, very straight and white teeth, they just aren't very strong. So he had his cleaning and there were some cavities, so we went to get the cavaties taken care of, but one of the teeth out of the three was just too close to the nerve, so we went to the endodontits who gave him a root canal. This past week at the regular dentist and the specialist cost me $1508, which I put on my Care Credit card, which has no interest for a year. My son still needs a little more dental work done, so the Care Credit card will be added to.

I do have the cash to pay for these two items, but I want to keep adding to my savings account. I want to have a nice size cushion of cash, just in case I need to buy a vehicle or something happens to my husband. Last year, right at Thanksgiving, our work died down and we really had to pinch pennies until March, which is what caused me to rack up more debt for those 4 months and the Holidays.

So, anyways, I think I will keep paying what I am paying on my debt, and when the bills come in for these two items above, divide the months and get them paid off before the interest kicks in.

Positive Note...summer schedule is coming, more relaxed days, I start my summer job which I can walk to (it is only 7 houses away or half a block); and less spending.

I will keep you posted on the progress. I haven't added the new debts to my sidebar yet. I will do that when I received the bills.

Some People's Priorities...makes me scratch my head

April 16th, 2011 at 05:35 am

I stopped over at my girlfriends yesterday to catch up. She mentioned that she might be pregnant and went on to say that there is no way they can afford to have a baby. Okay.

We talked about many things. One being...she inquired about becoming a member back at the Club, but stated she couldn't afford it. I said it is $150/year until she gets the initiation fee paid off, which would be about three more years for them, then it drops down to $100/year. Our club is seasonal, which usually runs about 15 weeks or $10/week. Very cheap entertainment, if you ask me, for loads of summer fun to keep her kids busy.

She stated that they were two months behind on their mortgage; and that they just paid $2,000 for their dog to have surgery (which I understand with pets).

But, as we talked and we walked around so she could show me her new re-done basement, complete with all new carpet and tile, new furnace, washer and dryer, a large screen tv handing on the wall, a nice MAC desktop sitting on her desk and her scrapbooking room, I was a little perplexed.

She also stated that they have been paying a cleaning lady $60/week to come in a clean. I mean that is $240/month.

Really, you are behind on your mortgage and can't afford the Club, but you can afford all these new ammenities and a cleaning lady. Some people just have their priorities wrong. I wanted to say, stop the insanity and catch up on your mortgage, or you won't be able to enjoy your new basement and everything else that goes with it. I am bothered by this.

Budget/Spending Plan Update

April 15th, 2011 at 05:06 am

The budget/spending plan seems to be working out just fine. I am able to get all my bills and my allocated amounts to my debt paid within the first two weeks, leaving the last two weeks of the month to put money towards savings.

I do have to use some of the last two weeks money for groceries and gas, but my savings is growing. I will keep building my savings while slowly eating away at my debt. It would be nice if I could have the first two weeks also cover the rest of the month for groceries and gas, then I could just bank all of the last two weeks monies. I will have to work on that.

I would like to see how much I can get saved, along with having my beach job money directly deposited into my savings account, so I should have good size savings by the end of the summer. I will need to buy a car by October, so that is really my goal here.

Hoping to find a decent, reliable and affordable car, so I don't end up with a payment, along with enough money for property taxes due in September and being able to have a cash Christmas.

I am really excited about this year, cause I feel that we are financially headed in the right direction, just need to stay motivated and focused.

It would be nice to start 2012 with a aid for car, taxes paid, Christmas paid and use the rest of my savings (minus the EF) to put towards debt. That would really give 2012 a boost.

But, I will not rush 2011. Looking forward to enjoying the warmer months ahead. After the third week in May, we start a whole new schedule. School classes are done, work schedules change, the heat gets turned off and we just become more relaxed so we can enjoy our favorite activities.

Car Problems

April 8th, 2011 at 05:05 am

My daughters car needed a new alternator belt, so I took it into the car doctor. Replacing the belt was supposed to cost $70.00. Upon having my car in the shop, the shop representative came out and told me that in order to get to the belt that needed replacing, they needed to take off another belt that was overtop of it and then replace it, plus, they told me that I had a bad tie rod end, which I also knew about. So, I decided to let them fix it all for $334.

I went home and got a call from the shop letting me know that once they got the tie rod end off, they noticed that the ball joint was bad also and quoted me another price of $503, to fix that problem. I was a little bothered by this, but said go ahead.

They finished my car, I went to pick it up and it wouldn't even move forward. I told them and they wanted me to bring it back the next day. I said no, I am right here, you can look at it now. Well, they couldn't figure it out, it spent the night at the shop, upon where they called me the next day to tell me that my car was stuck in 3rd gear and that I would have to take it to a transmission shop.

I said, you broke it, you take it to the transmission shop. They agreed, but also stated that they weren't the ones at fault, even though I have never had transmission problems with this particular car. Well, the tranny shop put a scope on it and found that it needed a tune-up, or should I say a spark plug that was triggering it to feel like it was stuck in 3rd gear, it was just misfiring, so it wouldn't move down the road.

It is all fixed now and there was no more cost out of my pocket, but what stress the last two days have caused, and I am $500 poorer, well $250 cause me and my daughter split the cost. But, what a nightmare.

My Bucket List - Affording It

April 4th, 2011 at 05:44 am

There are some places I would really like to visit but due to income, have never had a chance. I am turning 50 this year and would like to start seeing some of these places.

Bucket List, not in any particular order:
*Bar Harbor, Maine to see the whales.
*Grand Canyon
*Redwood Forest
*Washington D.C.
*Swim with the Manatees in Florida
*Eastern Seaboard of the Carolinas to check out the sea turtles.
*Chincoteague Island, Virginia to see the ponies.

I just need to figure out how to afford them. I am so inspired by my son's girlfriend. When she was like 20, she sold most all her stuff and traveled around Europe for 6 months, making it on what she has sold and saved.

I really can't sell off my stuff, because I have a family that needs a place to live, so any great ideas are always appreciated. If you know how to visit these places on a budget, I would appreciate the tips.

Made Some Changes to Benefit Me

April 1st, 2011 at 07:02 am

Decided that instead of paying out $673.00 to my insurance company for homeowner's this month and another $331.31 to my insurance company for my vehicle insurance next month, that I would combine them and put them back on an automated monthly basis. So it cost me $114.00 today (the insurance company likes one month ahead) and will only be $57.00/monthly from now on, give or take a buck or two depending on inflation.

Anyhow, I don't have to stress about paying out over $1000 over the next 6 weeks to insurances. Instead, I can redirect that money to my freedom account and debt repayment. Plus, insurances should be a regular bill for me anyway, so I will adjust my "Spending and Get Out of Debt Plan" on my sidebar to reflect the changes.

Now, I need to figure out something for my son's dental visits. We got his treatment plan yesterday and it is going to cost $3,591.00. I have already paid $274 out of my pocket for a filling, x-rays and a cleaning. I might check into some different dental plans that my dentist takes to see if it would benefit me to pay for dental insurance and what would be my out-of-pocket costs. I do have a Care Credit Card I can use to pay for his dental visits, which would be interest free for a year, but if I can do it cheaper and pay cash as I go, would be a better option. I will keep you informed.

I am feeling pretty good about the changes. It is only the first of the month, the bills are paid and all I have to do is buy groceries and gas and put the rest in the bank from what my husband gives me from his jobs over the next month. I finally think I will get a head of the game. I wasn't behind, just juggling every month since October. Pretty stressful.

Passive Income

March 31st, 2011 at 06:53 pm

Adding to the Passive Income Column:
$3.00 from Pinecone
$5.00 from Swagbucks

Previous Amount: $184.99
Add monies: $8.00
New Total: $192.99

Time to Pay the Bills Again and Life

March 31st, 2011 at 05:45 am

But, I can't wait. I love watching my debt area get lower.

But, this month, instead of putting my $600 into my freedom account, I am just going to use it to pay my homeowner's insurance. It just doesn't make sense to put it in savings only to transfer it back out to the checking account to cover that bill.

Haven't had a chance to go resale shopping for dresses for any of the weddings we have this year. But, hoping to get out sometime in April and May. I really need to go through my closet and drawers, try items on and make a list of needs first. So, maybe this weekend I will do that.

I have been going through some china cabinets, closets and drawers and have a pile of items to be moved to their next location - Salvation Army, Resale shop, Recycle bin, list some on craigslist, a nephew is taking a tv., a friend is taking some vinyl tableclothes and unused napkins from my daughters open house graduation last year to use for her little girls 4th birthday party, etc., etc. My foyer is full. Just needed to purge some items and get re-simplified. Now to get it out of my house.

Youngest son has a dentist appt. today, but I am paying cash. Pretty excited about that; and the weather is breaking, so I can start up my walking program again, now that Zumba has finished. Off to the shower, lots to do today.

Times are Very Busy

March 25th, 2011 at 05:44 am

A lot going on around here at the Camp.

Still sharing a car with my daughter, but it is working out, just keeps us on top of really good scheduling.

The class that I am taking is going real well. I am really enjoying myself. I am taking the class with four other mothers all my age, so it has been a lot of fun. Hoping to find a part-time year-round job sometime in the fall.

Also, trying to get the Club cleaned up, getting rentals scheduled, getting the guards hours scheduled, now just waiting for opening day Memorial weekend.

I have four weddings, bridal showers and three baby showers, that I really need to get out to the thrift stores and resale shops to find some new clothes. I have lots of shoes, just need a couple mix and match outfits/dresses and maybe a purse or two.

My youngest son needed to go to the dentist, which I was able to pay cash for. I am trying to schedule his cleaning and a couple more fillings towards the end of the months, so that I can pay cash for the services, instead of using a credit card. I usually get all my regular bills and my debt paid within the first two weeks of the month, leaving the last two weeks to use for savings and these kind of things.

I have some more house renovations to do. Basically my family bathroom needs a do-over, but I have the paint and a $35 Home Depot card to go towards that project. Plus, I am adding some more edible landscaping this year. I am really hoping to get a lot more canning, freezing and preserving done for the winter months this fall. The weather just needs to break - any day now, I can feel it.

Going to the Dentist - Paying Cash

March 16th, 2011 at 05:13 am

I redid my spending plan and adjusted how I pay my debt and worked on the "every once in while bill" area (cause I was lacking in how much money I was putting away to cover those expenses). I was feeling pretty good about staying on track and meeting my goals, when my 16 year old came into my room to tell me that when he drinks something cold, one of his teeth is hurting. Well I made a dentist appointment for him today. He has such a beautiful smile that I don't want any problems with his teet to ruin that.

Good part ...my husband has been steadily working and handed me $400 last night, so I will be paying cash today for his visit to the dentist instead of breaking out the Care Credit card.

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