Is this someone who comes in and helps deal with clutter, ie, organizing objects? Or do they help you organize your time/work/personal life schedules? Organize business tasks/strategy/operations? Congrats on launching the self-employment part of things. It is terrifying to work without a net, so to speak. But I think there’s a great demand for whatever organizational services you provide. If you lived nearby, I’d be tempted to ask: “when can you start?”
Your success or lack of it is totally up to you …. not some one who has no personal stake in your family’s well-being.
I asked dh if could ever go back to working for someone else and be truly happy? He thought for a second and said “no way.”
Just remember to run your business like your household … cash only. Debt is the biggest killer of small businesses. Expand only as you have the cash. Cash is king at home and at work.
I sure could use help organizing my studio … I do scrapbooking for myself personally and custom coasters for the pubic. You wouldn’t happen to be in south Louisiana? LOL
Except a $50 that was in my pocket is now in someone else’s possession. I can’t understand how it simply fell out, and it wasn’t “helped” out. It just wasn’t there. I try to treat those annoying events as “Millie moments” for someone else; maybe someone really needed the $50 and I didn’t need it as much.
Got home and it wasn’t just a cranky husband; there were multiple issues which came up which I just didn’t see coming. No injuries, no deaths, no property damage, but several close calls and a lot of So we’ve decided to table all conversations about the weekend for at least a few days. Get back into the swing of things, get some rest, have a few normal days, then talk about what needs to change, rather than who’s to blame for what. We could each blame the other for all sorts of things that went sideways this weekend. That would only serve to tick off the other person without actually accomplishing anything.
Note to self, and anyone else who might find themselves in this position: don’t try to talk to your non-DR parents about how to manage a DR-inspired business in an industry they’ve never worked in.
the co that my 2 oldest work at, fired 3 employees on Wednesday and they thought they got the “cancer” taken care of. No, Saturday afternoon, it was discovered that there may be another bad apple in the co. So my kids are on mandatory overtime until new employees can be hired, trained and tagged by the FAA.
I got my little “rental” for a few hours on Saturday and enjoyed the baby time. They have now given me a carseat for her, so not sure what that means…but her nana was calling me “the other grandma”.
Mother’s Day was good up intil about 2:30. I recieved a phone call that my middle child was being evaluated by EMS and would be transported to the local ER. She was scheduled to work inside, so wore that uniform to work. They became short-staffed outside, so they sent her out in the heat and sun to work. after 2 1/2-3 hrs, heat set in and you know the rest—long brown pants, black shoes, long sleeved blouse and scarf don’t work well.
DH and I did go to the ER, I spoke with her and the attending, then left to get my car from the work parking lot and let my DH sit there until she was released. Her supervisor kindly “released her” from working last night—paperwork says she can’t work until Tuesday at the earliest.
Today, I have scheduled followups to make sure she can go back to work, my dinner that was supposed to be last night will be tonight with plenty of leftovers for the now OT kids to take with them to work.
But my DH taking care of the farm in my absence, was one long trainwreck. One crisis after another such that my phone was ringing 6x/day with some new issue. I’m getting ready to fly home, to a farm I thought was ready for me to be gone a few days, but wasn’t,and a DH who spent most of the weekend angry. So I’m not sure what/why those issues came up. But we have a lot of work ahead of us figuring out what went wrong and why. Not my happiest, most cheerful report.
I know it’s snowing in some parts still – I keep the a/c on 72 year round (still keep the costs down to about $150 even in the 95+ degree weather we have in the summer (it’s been 89 lately). What this means is I seem to live in a jungle with mowing every 5 days to keep up, not to mention all the other bits of yard work that go with that.
With this in mind, I have made a concerted effort to get some social time in – but it has to be darned close to free. Here in our area, there is a huge musical presence and lots of small town festivals. I go to one of the local open mic nights at a restaurant here on Tuesdays and order a club soda for the evening. Each musician plays 3 songs and this goes on for about 5 hours. It’s great. I’m on the southwest gulf coast of FL so have the opportunity every Mother’s Day to take a free cruise with a local boat tour company. Did a sunset tour around the harbor this time. I did a 7 hour trip to a key south of us that takes about 2.5 hours each way, then spend 2 hours at the restaurant on this key – it’s a privately owned key only accessible by boat. Next year I’m going to another key that is part of the state park system and also only accessible by boat. Takes about 2.5 hours each way, plus 3 hours on the island. Should be a nice trip.
This month, we have the Hibiscus Festival coming up, the Key Lime Festival, a great band playing at the open air rooftop bar of a local hotel and it’s great to kickback in the lounge chairs by the pool or any of the great outdoor sectionals they have – again, a club soda goes a long way. There’s a place called Fishermen’s Village that has timeshares on the 2nd floor, while the first houses shops and restaurants. I guess you might think of it as a board walk, of sorts, but all on land and it ends with a restaurant on the water. They have an open patio area, under cover, in the center and have bands play 5 – 9 on weekends. That is great as there’s resin patio furniture and you simply take your bottle of water and hang out. If you get there before 5, you can explore the resort shops which is always fun.
Heading to Yogurt Mountain on Sunday to get 6 oz of frozen yogurt free. Brunch earlier in the day at son’s house. Thursday nights at a local riverfront park consists of acoustical musicians setting up in the gazebo, pavilion and on the grass, playing. Again, just the general public coming to play and/or to simply listen. Started about 10 years ago with a group of 7 friends and has grown. During winter season when snowbirds are here, we see as many as 5k there.
So I am working on an entertainment budget of $25 a month and am doing at least 2 activities each week – as many as 5. This is allowing me to divert more money to pay down credit cards. And, fortunately, we live in an area where 7 miles south or north and I can do everything I possible could want to – if I expanded that, I would have a lot more opportunities. However, I am limiting my 2003 paid for Camry (yay – that was a milestone accomplished last fall) to ONE tank of gas per month – since the first of the year, I’ve met this goal, even with taking a 140 mile round trip each month.
Other than that, I took the ‘nudging’ from whomever said we could all plant a pot of our veggie of choice and set up 5 gallon pots with soil and planted seeds obtained from wintersown.org including turnips, celery, banana peppers and tomatoes. I had two separate orders – one was a mix of flowers and some veggies, while the tomato order was separate – choose 6 varieties, 4 alternates – they sent me all 10 choices. These were gained for the cost of the envelope/paper/stamp plus another SASE envelope using two stamps each. I saved some of those thumb-sized yellow/red/orange pepper seeds, dried and planted those. Scrounged up some old seed packets and figured if they grew, great – no cost. About half did so I have watermelon, cantaloupe, cucumbers and squash. I have cherry tomatoes, beefsteak tomatoes, yellow grape tomatoes as well.
Never grown veggies so this is a challenge. It’s miserably hot here already so I’m playing by ear. I did some research and ordered some neem oil and mixed with water and a drop of dish soap – hope this works – supposed to deal with leafminers which seems to be my only issue as of now, aphids and a couple other things, I believe, while not harming beneficial insects such as lady bugs. I hope this works well. Takes a week or so, as I understand it.
And, after hearing of Jan’s grapes, instead of tossing out the old portable gazebo frame when the top finally gave way (cheaper to replace the whole unit than just the canvas top, unfortunately), I moved it to the corner of the yard, put chicken wire on the top and a couple levels of landscaping timber around the base of the frame. This has been mulched in (so I plan on moving the watermelon and cantaloupe pots over here for crawling space, while the squash are going into the like-framed banana trees bed, while cucumber is going to the chain link fence along the back to climb). In each corner of the frame, I planted muscadine grapes. 1 vine has been there 3 yrs, the other 3 only two years. I have gazillions of little grapes everywhere. Now I have to figure out how to net them to keep the birds out.
So I took the challenge of growing veggies to see if that would cut my food costs noticeably. If things grow as I hope, I’ll have some extras – if so, I’ve already identified a food bank I can give them to as well as a new halfway house for homeless veterans where the soul purpose is to get the vets back on their financial feet.
These are my frugal plans for the summer, as things currently stand.
We plan on having lunch at a friend’s house. They are fixing shrimp and okra gumbo. Her mom is in a nursing home and too much of an invalid ot leave for lunch. My family will go see my grandma and dad after lunch. My friend will go see her mom after lunch too.
I was supposed to go antique-ing with a friend tomorrow in a town about 2 hours away. However we are under flood watch in all of southeast Louisiana till tomorrow evening. We are postponing our trip till another day.
I am not sure what my dh and dd are planning for us. If they choose to do a gift, that is great, if not–that is okay too. We usually don’t go out and eat on the big day. We may go out one evening next week.
We will spend very little for Mother’s Day. I will probably pick up a mixed boquet for my grandma. She is easy to please …. she really loves it when we go see her and get McDonald’s for lunch. LOL
Everyone needs some airing out and I guess it was my turn. Going to just be with mom on Mom’s Day; that’s treat enough.Spent $400 to get here so that’s not cheap, but we shopped the airfare and payed less than we expected so I’ll take it.
I did feel compelled to have gifts in hand for the three neices this trip, which is a new thing for me now that Im spending time with family again. Approx $60 for three t-shirts, each showing that child’s hobby (soccer, gymnastics and flowers) somehow seemed appropriate. Gifts for young family members is very unfamiliar ground. That should be the last I spend on the weekend. Well see.
It took us approximately four years, there was a strange mix of unusual money coming in AND going out during that time.
After reaching where we’ve gotten so far, I’ve had to readjust things and am trying to get some envelopes and sinking funds built up, so I’m kind of taking a “snowball break” in order to be on track in that way.
I don’t have the funds to knock out Sallie Mae #2 in one year. Unfortunately. My shovel is smaller than it used to be. I do have about $2,000 from our tax refund and Extloans service, then I could probably scrape together a few hundred per month snowball plus any extra that came in to add to the minimum payment.
How much would we need in retirement? The short (but not meant to be flip) answer is probably as high as we can make it. I’d say we’d need to get it up to $900k at a minimum… although if I was able to get the rental property mortgage paid off – that would provide more cash flow and the number could be lower (though obviously the higher the better). I am only 39.5, but am self employed and my income is much more sporadic. I’m guessing that it could be a little less sporadic when the kids are older though… but dh is really hoping that I won’t have to work FULL TIME when he finally is able to retire… So I’m trying to get things in as good as shape as possible, as quickly as possible.
I do think that once I decide more definitely what direction I should take, I will once again become even more gazelle intense in a mad flurry of activity and trying to reach goals!
If I were to spend a few months righting the envelopes and sinking funds… and making plans… then perhaps Sally and Larry are both correct. I could take every available extra penny and split it something like 25% sinking funds; 35% snowball Sallie Mae; 35% to a Roth IRA, and 5% to college books fund. It wouldn’t get me all the way where I need to be right off of the bat, but if I make a concrete plan – I WILL stick to it and hopefully once I get that Sallie Mae #2 to budge, I will start seeing faster progress.
If dh does get a cost of living increase, I would snowball that. The first of the year, they may increase the match up to 5%… I would definitely take advantage of that if it happens. Also, once the alimony of $816.mo is paid off… I will have about 3 years of dh working full time (if all goes according to plan, of course) still that I can throw at everything. My youngest starts kindergarten in another year and a half, and my child care costs will go down SOME, but not disappear all of the way. All of these things would make a difference at various times.
I could get more gazelle intense. We aren’t frivolous, but there is some fat that could be trimmed out of the budget I’d say… and I also have some things around here that I need to declutter either for the tax write-off by donating, or to raise the cash by selling on Craigslist or Ebay.
I’ve been struggling with health issues, which throws a wrench in things – bill-wise, income-earning-wise, and ENERGY-wise!
Sometimes it feels like I just need a miracle, a magic wand, AND gazelle intensity! I know I just threw a lot at you all, and I thank you for muddling through it with me. It’s a very complicated situation!
The Players is going on. We got a free week of clubhouse passes and parking passes—we were pleasantly surprised by getting them since DH retired from working for PGA Tour. I was able to pass on today’s tickets to a friend because Schwab gave us tickets–the food/drink at their hospitality tent was free.
Not sure what the game plan is for Sunday, but it doesn’t matter, I already got my gift of spending the day on the course and DH finally got to WATCH a golf tournament instead of WORKING—after 26 yrs, that was great.
We were very very frugal about it. We purchased adjustable tuxedo pants and and a very nice blazer for $2. We later purchased a tuxedo jacket to wear instead of the blazer, because the blazer is camel hair and we were afraid it would be too hot. Now.. we find out it’s not hot but it will be raining tonight, so I guess it worked out for the best (Wet camel hair? Yuck!).
We also got his shoes for $9 and I made the corsage and boutonniere for about $5. He has saved/earned his own spending money for the evening. Not sure he will be frugal about it!
While he is having a good time, dancing the night away, we will be enjoying free tickets to a minor league game. I am taking my mother out to dinner and the game. We just have to share the box with several of my co-workers! So I do have to buy her dinner at the restaurant of her choice, tonight will be ok on the budget!
This weekend, we are going to start working on our house to get it ready to sell. We are starting with the cheapest fixes and moving up to the most expensive ones. I’m not looking forward to this process at all but hopefully, it will be worth it!
No, this isn’t one of THOSE posts. I have the MLM Wholesale forum. Some of you may have heard of it.
It’s a group for people to sell off their MLM stuff that they got stuck It’s a strictly no advertsing site.
And I don’t want to turn it into a general garage sale site.
I thought Finders Key Purse was an MLM. One of my mods questioned it. When I went to the site, it wasn’t abundantly clear one way or the
So does anyone know for sure? I have no first hand dealings with this.
Like I mentioned, I don’t want people to start using it as a garage site. And I figured that *someone* here would have some first knowledge.