We had such a good time. The ride down was rough being that Trista threw up whenever she ate something, so about 4-5 times, but we made it. And, we travelled in style:
My camera broke 2 days before vacation, of course. So I bought a cheap disposable and managed to get no pictures of the lighthouse, or pics of my Sierra and Trista getting mani and pedi's, and us teaching Sierra how to play "water" pong.
We spent some time on the beach:
And lots of time in the pool and hot tub:
So since my tests are getting more and more positive I thought I would make a list of all the things that we got rid of in Hawaii so that we could make weight for the move to NJ.
-Maternity and nursing Clothes, I have none!
-Newborn and up clothes. I have from 12mths and up girl clothes and 6mth and up boys clothes.
We also will need to get a larger vehicle. Something that seats 8. We are thinking a suburban. I just ran KBB on my current van and it would sell for a
Ugh. Good thing we are in a pantry challenge We paid off the collection agency for the lost cleaning bill via our checking account AFTER we had already sent our snowball. I can always move money from our FFEF if I need to but DH and I talked about it and decided just to have a "tight" month and try and pull it out without transferring money. We shall see how we do. We are down to about $200 in the account till the end of the month.
DH also decided to get new tires on my van, a alignment, a
So my latest kitchen challenge, involving all 5 children ages 10 to 17, was to pretend that there was an emergency and they had NO grocery money at all.... or maybe they had enough to buy staples (milk etc... the list was very short), but that's it... now go find two meals (one each per week for two weeks) to prepare out of the pantry.... Mom handled the weekends.
Gave them access to all cookbooks, and nothing was off limits.... only they had to cook what we already had.
This afternoon I sat in an interview room, across the table from a young, fiesty person and their guardians. Like all my clients and potential clients, this young person has significant disabilities and a whole lot of quirks! They kept their eyes averted from me at first and I imagine they felt the same embarrassment I'd feel in their position, if I was called upon to interview another "professional" who was supposed to "fix me." Awful.
I love interviews, especially ones like this. I'm v
So since I have the last time period wrapped up I though I'd put in my next series of goals. I think I do better with a shorter time frame for my goals than an entire year.
1) Finish saving up for the back porch. We have $3,600 so far.
2) Pay down the HEL like crazy!
3) Continue getting good grades without stressing myself out.
That should do it
My final update, the goals were intended to be for up until the end of April.
Here are the goals I wrote out at the start of November, then my progress.
1. Pay Sallie Mae off by the end of this year, this should be relatively easy.
Done before 2012! Yippee!!!!!!
2. Fund Roth's enough to get to 15% before the end of Feb. I anticipate needing $3K for this. For next year we have the 401-K's up at 15% so there will likely be no Roth contributions next year, we needed the tax break in 2
Much has happened since my last post.
Hours and personnel were drastically cut at work, but I was one of 4 people who weren't affected. Financially, this was fine for me. Mentally, I had pretty much resigned myself to the drop in hours and was actually looking forward to more time at home *laugh* . Oh well. I've been working harder as a result, since I'm there all day and everyone else is working half days. It's frustrating in it's own way, but I am glad that I didn't get cut.
Well we are halfway through the month and we are doing pretty well.
So far the pantry challenge is going well. We have only spent $280 of our $800 grocery budget. You would think that would mean tons more in savings but it has been all absorbed my those little extra costs that have come up with the deployment.
My business is going well I sold one quilt, have custom orders for 4 more, a top almost finished, and one just being cut out. I am busy which is good, keeps my mind occupied.
Today is a rainy gloomy day here and I just want to curl up under the covers and sleep. To bad I still have 3 toddlers to take care of
Budget is rolling right along
Hailey, Sara, and I went last night to get the fish for her birthday tank. For the entire set up including tank and everything it was $12 Gotta love free stuff!
The rental car took back one of the charges and only charged us $380. I am still ticked off since it was supposed to be 100% covered.
After the third time..... unsucessfully to post this, I'm leaving out all the "info" and will post in comments if this one actually posts to the boards.
I. Personal Finance
1. What is personal finance?
2. How you handle all that....
B. Debt Management
1.) Mortgage vs. Rent
b.) Overall cost
c.) Life's Happenings
C. Debt Free Living
1.) Enjoy it, for many folks this is the only t
Everything is going smoothly. I know as soon as I say that something is doing to go wrong though.
We did get some bad news in that we are going to have to cover part of the rental car, about $400. I am not overly thrilled with this news! It will be coming out of the car savings though so I am slightly less annoyed but not by much.
I have been trying to figure out how to keep the momentum with my business and thought up some ideas for making some 4th of July things since that is the nex
So far we are off to a good start this month. We are on or under budget in all categories which is great
I have also been so blessed to have some people contact me to do some custom quilting work which is just amazing! I love getting to play around with picking out fabric and making something for other people
I finally managed to get my etsy shop unlocked. Apparently because I had a $0.20 unpaid balance for a year they locked my account. Kicker is every time in that year that I tried t
Yes I know it is the last day of April but today starts day 1 of our May budget. Since we are only a few hours into the month we are doing well I though it would be helpful to keep track on here this month. This is the last month before dh leaves for his deployment and I know it is going to be stressful enough I don't need a financial hangover after he leaves.
So I sent the snowball to the CC to pay off the car accident charges so we have a clean slate there again. Nothing left for the FFEF
I have been trying to come up with some ideas on some crafts I could make to sell. I am currently working on a baby/toddler quilt and should be finished in the next day or so. So I am trying to think what to do next and since my brain is in danger of falling out these days I need to write them down where I will be able to find them again
*Baby doll quilts ~made from scraps from the toddler quilts~
*Diaper and wipes "Pocket" bag http://www.make-baby-stuff.com/diaper-ac
This has been quite a slog for me, but I'm almost done! Week 5 ended Wednesday and Week 6 is only 3 days long.
My grade after week 5 is 89.61%, if I did absolutely nothing I would still pass. That's not going to happen though! I'll update once I have everything done and turned in tomorrow.
I am trying to come up with some idea's to keep me busy (and maybe earn a buck or two) while DH is deployed
*Paint the kids bathroom and complete mural ( http://www.elephantsonthewall.com/diy-wall-art-mural-kits-paint-by-numbers-feathery-friends-one-wall-mural )
*Paint the hallway
Okay gotta run to riding lessons
I'm definitely going to make it! I feel confident for the first time since I dropped the first time
My grade after week 4 is 88.71%, if I do well at the end I still could get an A!
There is one full week and one half week remaining, woohoo!
Well with all the drama I did manage to get a few things sold to add to my stockpile of cash We are up to $107 from selling junk. I have a few more things that hopefully people will pay for in the next few days. I think i would feel less stressed about it all if I knew a total I was saving up to ykwim? This endless money pit I seem to have fallen into is getting old
I have been slacking so badly. It just seems like it has been one thing after another and it has just been impossible to get our footing. But that is a load of crap. I have been slacking. I don't even want to count up how much we have spent in fast food alone
Okay I need to stop making excuses and get control. I am so tempted to just say "MIL is coming so we should just wait til after she leaves" but we are going to start right now.
So I have checked out bank balance and ran the number
Week 3 of my class is now all turned in, but I don't have my final weekly grade yet. I THOUGHT I had turned in my paper last night, but somehow I turned in the assignment, but not what I had actually done, doh! I was so tired! But anyways once I saw the error today I right away turned in my actual work, so I'll get my grade by tomorrow I'm sure. My professor is very efficient at grading, which helps in such a short class.
So I think that my grade is still around the same mark, I'll updat
Hi Everyone , huge Dave Fan . I've been a covert for two years now! I just believe he gives sound financial and life advice on working hard, having a plan, and achieving what you want. I also decided to take his advice and despite having a very good income, I've been inspired to increase my income by working from home, to speed up my snowball and build a legacy I can pass on to my family.
The great thing is I've done my research and aligned myself with a Forbes top 100 company that allows p