I normally do not share their links no matter how funny/informative, because they have a serious lack of regard for polite language. I realize it seems silly to complain about swearing on a site that spends more time on gutter jokes than anywhere else, but still I do complain.
Todays is a lovely funny example of why credit card minimums are useless.
Viewing the 'Complaint department' Category
* We got our annual update from the mortgage, apparently taxes are going up. We have a choice as always to pay a lump sum now and keep the payment the same or pay more over the next 12 months. Usually I pay upfront, but this time we will let the mortgage go up. We have the money in savings now, but since there is no promise of income anytime soon, we might as well leave spare in the savings and take our time draining it.
** Yesterday was another day out of the house with no eating out. We packed some snacks, and a late lunch and more snacks before coming home to a late dinner. The day at the local science center even had free parking due to a new exhibit opening. The kids loved it, and even though we were dog tired by the end, it was a good day.
Bringing my Feb total up to 12 points.
***I was asked to be the 'Daisy coordinator' next fall for the local GS council. On the one hand that is a relatively easy job...on the other, I don't need another volunteer job!
****Speaking of GS, apparently the council lady in charge (dunno her official title) has only one computer with two teen kids! Can you imagine only one computer? I know plenty of folk manage, but.....I can't! (or rather I am REALLY grateful I don't have to!)
Really, I love modern convenience.
Some things are not as good the new way (pudding, real pudding, or better yet mousse, is so worth someone else putting the effort into it). But technology makes so many other things so much better!
I just plopped down spent 5 minutes (including typing this rave review) and paid two bills, no stamp, no walk in the rain to the mailbox, and no worry that I will forget, bills are paid or scheduled to be paid in an instant.
So my bill for the cable internet came today, with the back of the envelope saying:
Your TV DESERVES it.
Your Laptop NEEDS it.
Your phone WANTS it.
Really, my TV (which I don't own) is sitting there thinking all the hard work it was designed to do, has somehow earned it some fancy company package? (we use computer monitor to view videos)
My laptop (which is rarely used) is somehow languishing without the package? Like the MSoffice I use it for most will not manage without? Admittedly my husbands laptop is used frequently (and online), but I just don't think we can afford this fancy 'NEED'.
Ah now the Phone and it's WANT, I get that, I want a lot of things. Though I am not an inanimate object. Who knew they had wants too.
I guess someone will be reporting me to the ACLU for electronics. Such cruelty ignoring my items NEEDS.
I think it is a format I will keep up with, I often have random thoughts, ideas, or just plain share what we have been doing.
Folk I know IRL seem to like the posts, so figured if anyone on here was interested I can give you the link. But going to stop putting education stuff here on a finance blog.
though my homeschooling is cheap, it isn't really related to finances. And since I rarely ever think about the cost of what we do (cause there rarely is one) I am not very good at mentioning it.
Besides I don't want IRL folk to come here and see what my finances are, or are not. And I need a place to vent about my friends lack of financial skill. Don't want to mix this private forum, with IRL.
Anyway if you miss the education notes, leave a comment and I will get you a link.
So far in trying to keep up with the 30 in 30 challenge, I honestly have been sorting out lots of 'stuff'. My house is cleaner, and starting to have more of a 'place for everything' (but not the bedroom)
And yet, most of the stuff going out is just garbage, other than the kids clothes.
Not that I am complaining about cleaning, just was hoping to have more of a profit, or at least less junk by the end of the month.
Oh well, hoping to keep going into Feb, might manage to get rid of more once I can really tackle the bedroom.
The short answer to how one is financially secure, is really simple, spend less than you make.
The specifics might be a bit harder, though not really.
1. Stop buying stuff you don't need (I said NEED not usable-just because you will use something doesn't make it a need)
2. Stop acting like your home is a castle, temperature control, fancy wall hangings, are fun, not a right.
3. Take any splurges that fit under the income and ENJOY them, with all caps, don't scarf a pop 'just because'. Drink the kind you like when you can afford it and taste it. Savor your chocolate, or long shower, or Latte, whatever it is, if you can afford it, ENJOY it, makes the moments last longer and be worth more.
Not that I don't identify with the trouble of picking which splurges are worth it, and choosing just how much less than ones income to spend. I just don't get folk surprised when that mortgage comes around again, when I can SEE where their money is going. (and it isn't being savored)
I even understand how hard it is to give up ones own splurges...I don't want to give up any more of mine...and the govt has kindly offered to pay for many more of mine if I asked (really I can't believe how much I could get from the govt if I asked)
And I can identify with the trouble of splurge now vs save for later, I could cut back better and continue to save on unemployment..or I could keep it steady. eh somehow the whole 'he will get a job soon' makes it hard to save. But not hard to pay the bills first.
That is the line so many folk have crossed and left so far behind they haven't a clue where it went!
I have seen some folk I know taking a hard look at finances and finding leaks, plugging them up and getting on track. I am impressed with the speed some of them have turned around finding the line (some still on the wrong side of it, but hope is in sight)
I have also seen many more assuming my husband and I are 'lucky'. Luck is what you call someone else's successes when you wont work hard yourself. (performers, and athletes excluded-they are lucky to make it-though hard work doesn't hurt their chances either)
The secret to financial independence on the other hand is a bit more complicated - but not much.
I just spent hours (literally) getting the cub scout newsletter together for this weeks pack show. And what do I have to show for it? A digital file to be emailed to the printer.... Somehow having a stack of newsletters would seem more fulfilling, than an email.
Ah well, Tuesday night I shall have my stack, and be way to busy to contemplate it.
Wonder if folk know how LONG it takes to put together a couple articles, finding clip art, composing articles from other sources, resizing (and resizing). All for one short 4 pg newsletter.
So today I tackled the 'top' of the desk, has space for file folders and the like. Much of it is books, but the papers needed work. (BTW quite proud to note the 'bottom' is still relativly clean, 5 minutes today and a stack of sewing is all that mars the smooth black surface .)
Above I found TONS of paper, some to be put for the kids to color on, some to be recycled. And a few important items I needed. BUt the end result, the top of the desk still looks full of papers, .
I do have most everything in file folders and a good start at sorting, but, looking at the ends of file folders is not pretty. I need to find some way to hide them, without losing space.
So can I count each individual piece of paper for the purge? Actually I think it would be more fair to go by file folder full (3 of them) or something, cause I do think credit is deserved for purging, but, don't think page by page is fair!
Husband spent the day in the bedroom sorting out countless items, I peeked at one point and the bed was covered in 'stuff' 20 minutes later the bed was cleared, but at no point did the room look much better! So much work, so little effect. (not his fault btw, the room is terrible)
Ah well I know he did throw away one grocery bag of 'stuff', and one of paper to recycle.
Nothing has gotten done these past two days, yesterday I had a headache and the 'poor me's (poor tired me with a headache .)
Today I am HUNGRY! The kind of hunger that will not go away. And I mean the painful, man I have to eat, not just oh kinda hungry. I keep eating and eating and it just wont quit! I had a short break while EL napped in my arms, after heating peanut butter, a potato with cheese, some chicken, and chocolate and milk.
But 40 minutes later the hunger is back and painful!
I love having my husband here. I really do. And I can't quite understand anyone being bored being home.
Of course we have 4 kids, plenty of activities, and we home school. So not much down time even with him home.
And with the govt giving us unemployment practically forever we could live like this. And with our savings being decent, not great, but decent, we could keep this up for a LOOONG time.
Course if my husband was working 40 hours to bring in the little paycheck, it would suck. But since he is here it is a lovely tradeoff, I can skip eating out for months in return for him around!
Not that he isn't looking, but...did I mention I would love to find an at home income?
Though I am glad that our lifestyle is already more spartan than the average American, it would suck to have to give up everything.
As it is we live rather cheap and only the real extras have to go. My friends who have houses with heat at 75 and oreos with pop for every lunch wonder why we are not crushed with bills.
I did make some laundry soap and give it to a friend to try, dunno if she grasps why 5 for 10 gallons can help me pay my bills, but I hope so. I also promised another friend a bucket of it, and prolly will offer some to a third. It is really easy to make, and honestly amazes us how cheap it is. Wonder if I can get a little under the table business selling the stuff. Charge a dollar for a big bucket of it, and sell to 5 folk I make the price back .
scroll down on the left side for soap and misc recipes
First it was breakfast cake, then cheese crackers, then a cheese loaf, some peanut butter cookies and finally brownies.
Baking isn't my cheapest hobby, but I do like it. I tend to get all into doing different things and forget that I only have one oven. I learned long ago, that having only one mixing bowl is a good thing, hard to mix up too much for the oven if you only have one bowl. As it was I did burn one batch of peanut butter cookies I blame lunch interrupting for that though.
This all started because JC has to make 'something' for the firefighters to drop off next week when the GS visits. Service project for the month.
Now what am I doing with beans for dinner?
Recipes for what I made if you like:
Breakfast cake I have been trying to make for weeks now but it never quite worked..till today. I threw out the recipe and made one up.
2 cups WW flour
1 cup oatmeal
2 tsp baking powder
1 cup milk
1/2 cup applesauce
1/2 cup molasses
Mix dry, mix wet, combine
bake at 425 in 8*13 pan, 20 minutes
If I were making it for company I would up the sugar.
Froze some for Monday, will let you know how that works. I need a quick breakfast for Co-op days.
Cheese crackers A bit of a PIA, but very good.
1 cup shredded cheese
3/4 cup WW flour use some for rolling
grnd red pepper
2-4 tblsp warm water
combine all, knead together and attempt to roll out. Sprinkle tops with salt.
Bake on stones 425 till they smell good, edges brown lightly, 10 minutes?
All the crackers were eaten within minutes of taking them out, the kids and husband and I loved them. edges are the best, so cutting them into strips or something would be good. I also think a finer shred of cheese would be easier to roll out.
Cheese loaf didn't turn out well, I discovered I was out of spinach, and onion powder, and too lazy to make muffins, so tried a loaf. Only GMC really liked it. Not likely to repeat.
peanut butter cookies absolutely dreamy, the best peanut butter cookies I have ever made.
2 cups peanut butter
1 and 2/3 cup brown sugar
1/3 cup WW flour
Mix all, roll in sugar and press with fork.
Bake 375 till they smell perfect...about 10 minutes.
I had to double the original (who ever heard of only making a dozen cookies?) and subbed 1/3 cup flour for sugar, brown sugar is too moist, but I like the flavor better adding flour fixed it.
Brownies are pretty much the recipe on the back of unsweetened bakers chocolate, but I use whole wheat flour and brown sugar, plus a different brand of chocolate (same taste, cheaper brand)
I have found that if you sub whole wheat flour, it is dryer, while if you sub brown sugar it is wetter, so long as you sub both you rarely need to adjust.
Though using liquid sugar causes some issues.
I got the surface of the desk cleared off, but the sewing pile is stil there a higher than my head, and the basket of 'desk stuff to be sorted' is rather over stuffed.
But I learned my mouse doesn't like a cleared desk, apparently dust and who knows what else were helping the connection! (It is one of those wireless laser things)
Also cleared most of the 'pass thru' meaning catch all counter, off. Mostly put little trinkets away, a marble here, a hair thing there, and what not.
Managed to toss a doll house chair that was unrepairable, along with some spare craft tidbits, and a ruined picture. Plus misc. broken bits and bobs. so 5ish points for trash. (least it is no longer clutter in my house!)
Unfortunately nothing sell-able .
Still need more work on my desk (only the surface was done today) and the pass through, and the laundry room. And horror of horrors my room. Not looking forward to that. I may have to break it up into sections, a dresser one day, a bedside table another, bookcase, and so on.
I am pleased with the progress and that it is all getting done along with education of the kids and general cleaning of the house. (those dishes, laundry, floors, bathrooms, and such will keep needing done no matter how bad a shelf needs cleaned out)