Sometimes it's not what you know, but also who you know.
DH has a new job - one that is a M-F position, pays more, has a car allowance and gas compensation program. No more heavy lifting, no more 13 hour days, no more working weekends. We are both so happy. I want to put an exclamation point after that, but my shift keys won't work....
My initial estimate says we'll be able to start saving about 750 a month, give or take. I'm thrilled about that, because life is constantly getting in the way of our savings efforts. Our first goal is to fix our garage which is falling in. That will cost just over 1,000; we have a trustworthy friend doing the work. This will include a dumpster, wood and paying him for labor. We will have that completed before the end of the summer. Next savings project will be for our new roof. I'm estimating 10k, so we'll start saving that much before we get quotes.
I am so happy to know that we can actually start tackling the projects that need to be done, rather than just dream about them in the future. This is a whole new chapter in our lives open. We are truly blessed.
Viewing the 'Extra Money' Category
Sometimes it's not what you know, but also who you know.
There is no more room for snow in my yard. And we're expecting another foot tomorrow night. Waaaaahhh!!!
On the bright side of things, I got a "job" teaching a 9 year old how to sew. One hour a week after work - I'm going to suggest $15-$20 an hour. This family is rather well off, and I don't think that price is too much for them, nor is it too much for the service. I would think it will go for about 6 weeks minimum. We'll get together next week where I'll show her how to use a machine (she got a "cheap" one for Christmas) and bring some fabric scraps and thread to get her started. Should be fun. I've often thought about being a sewing teacher, but wasn't sure the best way to get that rolling (and the lack of time is a big factor too!). This should be good for her and for me.
The money I make from that venture will go to the emergency fund/savings. I was thinking about using it for my mulch/flower/gardening fund, but I think I need to really focus on what I need to do financially rather than what I want to do. There's always next year to get the best yard on the block.
Hazy, hot and humid. Even the AC isn't cutting it! We have one in our bedroom so we can sleep at night, but it's hard to sleep when you are lying in a pool of sweat! At least it's breaking this weekend and we'll get some badly needed rain as well as some less humid weather to follow.
I was able to visit my veggie garden a few evenings ago. I haven't really been near it since I planted it! How neglectful! I mananged to pull out a lot of weeds, and my 10 tomato plants are thriving. I'm so happy especially since last year there wasn't a decent tomato plant in the state. I have some green beans (well the plants) growing well, and 4 big mounds with zucchini, butternut squash, spaghetti squash and something else! I can't remember what the other one was that I planted, nor can I remember what I planted where. This should be fun! One of the plants has some large flower buds on it, so I'll have to keep my eyes open. I think it's the zucchini, and I don't want the veggies to be the size of baseball bats, so I'll have to be on top of it. I had some herbs not grow, so I'm going to put in a few more rows of green beans. We love them, and I'll can them up. I can the tomatoes too.
The IRS payback will start in August - $200 a month. Originally we were paying $280 a month, but I was concerned about having too much being committed. We have 5 years to pay off the balance, and with $200 a month it'll be less than that. Once our savings gets a little more plentiful, we'll start throwing more cash at this debt.
The other debt I'm starting to pay back is Parent Loan 2. Only $100 a month, but I'll feel better about it as I don't like owing family money. I feel great that we're now able to pay on all of our debts, and not just a few. Those numbers will be dropping and I like it! My mortgage has dropped to $11[u]0[u],710.75...the zero is nice and I was thrilled to see that on our statement. I showed dh - he was less excited than me, only because he's a glass half empty guy and paid more attention to the fact that we still owe well over $100K on it.
We also received dh's gas reimbursement check - that goes right to savings. He's really doing better about spending. He said he was just caught up in the moment, which I understand, but I'm still going to be monitoring him and his bank account to make sure he doesn't go all spendy on me again!
Enjoy the week, everyone!
I've been so busy, but I realized I needed to post: DH got a job! It's a bit more physical than he had anticipated, but he's been at it for 2 weeks and is feeling good about things. YEAH!!!
We bought him some new safety shoes today, and selected frames for some new eyeglasses. He has his eye appointment on Wednesday, but I won't be able to come with him, so we decided to go out and select the frames together. They're holding them for him, so he doesn't have to worry about getting something that doesn't look good. I never realized how difficult it is to choose eyeglasses! While at the mall, we stopped and got a gelato. Then went home in time to shut the windows because a storm was on its way. Rained pretty hard for about an hour, and now the sun's peeking out again.
We needed to pull some cash out of the slowly growing efund to pay bills...but with another income, we should have no problem building it back up again.
The garden is planted and beginning to grow. Today's rain will certainly help. The lawn needs mowing, but I'll tackle that tomorrow.
I got a bonus from work! Some things do happen at just the right time. Sizeable amount; it will be in my next paycheck.
I track everything in Quicken. One feature is to look ahead at your balance after scheduled deposits and withdrawals have been made...and we're going to have actual savings in our account and it will keep growing! I kept thinking I screwed something up, but I didn't. We can survive on my income! Of course, any big emergency is still going to be a problem, but it's exciting to officially know we're going to be okay. I'm an optimist, so I always say we will be fine. It's so reassuring to know that I wasn't wrong!
After my visual confirmation, I called my DH into the room and showed him. He said "what? How can that be?" and we both looked to see if there was an error. Nope! He said "boy, that makes me feel better about everything" and from that point on you could see the change in his demeanor. He's felt AWFUL about not working. I hope now he will feel less stressed. I know I do!
We had a great supper - lasagna and garlic bread. I'm going to make some cookies tonight and go to bed early. I know I'll sleep good!
I had a feeling the job was mine if I wanted it...
What's really great is that it's working with the DM of the company I have my sales business with. Not only do I not have to learn the ins and outs of anohter company, but it will also help my business grow too. I was so concerned about working at some retail outlet and having to neglect my business, and now I can work on all of it at once.
The pay isn't huge, but there are bonus incentives. After crunching some numbers, I found it's enough money. I like to be able to say that! Enough is such a nice word.
Everyone can uncross their fingers now and get back to their daily business. LOL Thanks for the well wishes and good thoughts. It was certainly appreciated. Now for DH to get a job! We'll be golden then!
I was a participant in a vendor fair today. I had no idea how it would go, but I sold $150 worth of product and have about 6 potential new customers. That's exciting! I also spent $10 on some gift items for 3 friends.
DH has been out of town, and I've been missing him. It is a rainy night...and sometimes the rain just makes me sad, especially when I'm alone. He'll be home in a few days. I've talked to him on the phone, but it's just not the same. Missing his hugs.
When he comes home we're both going to be working on weight loss. I've been so wrapped up in trying to fix finances, run a business, run the house...that I've been ignoring myself. I think tomorrow is a good day as any to start with eating better. I think I'll need to get to the grocery store to pick up some milk and lettuce. DH told me I should get myself a lobster, because I like them. I'll check out the price and if it's less than $6.99 a pound, I may get myself a pounder. Odds are, I won't, but I'll look anyway. Maybe there'll be some other seafood that is priced right. He doesn't care for seafood as much as I do, so I usually take advantage of having it when he's not around.
The 9-5 job has been busy and hectic this past week. One person isn't pulling his weight, and he thinks it's okay to do that. He acts as if he's doing us a huge favor by showing up. From the sounds of things, the higher-ups aren't at all impressed - and he may soon be out the door. Like my dad would say, don't let it hit you in the butt on your way out. LOL