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 'Saving Money' Category
Sometimes it's not what you know, but also who you know.
I realized I hadn't posted in ages. I guess when money isn't so scarce, and you're moving along, you aren't as obsessed about it. I think I'm that way.
I no longer find myself pouring over articles about frugality and money saving tips thinking I'll find the one that will save me. I don't sit and calculate and re-calculate our bills and income, because I know we now have enough to pay our bills. We even started saving!
My home business is picking up; sales are always up in the holiday season, and it's keeping me busy. DH's job, although not highly lucrative, is still his job. He's been looking for something else as this job is too physical for his weary back to handle, but he knows he can get through the winter doing it. The summer is the tough time of year for his industry.
I'm now focusing on myself somewhat - I hadn't the energy when I was trying to figure out how to keep a roof over our heads. I've changed my diet, started exercising, started cleaning. The office, after having it on the list of things to do for MONTHS, is tidy and orderly. That's a good feeling.
I haven't had a chance to catch up on anyone else's blogs, so I'm off to do that now. Glad to "see" you all again! I'll try not to stay away so long next time.
I have a number of errands to run today - I just made my list and I need to get going! Orders to deliver, lawn to mow, go to the bank, finish some sewing projects...oh, and some cleaning. I did do the brunt of the housework last night. DH was coming home late from work, so I took advantage of the "me" time and mopped a few floors and did a good scrub of the living room and bathroom. Took care of the laundry as well.
I've been getting up and walking with a friend every morning before work. We start at 5:00. DH has been getting up around the same time, so I've been getting up at 4:45 and packing him a lunch** before I go for my walk. We don't walk on the weekends, and I must have been tired, because after I got up this morning with DH, I crawled back into bed...I managed to fall back asleep and there I was until 8:20. It wasn't solid sleep for that extra 3 hours - I did have a cat or two pouncing on me, but I sure do feel rested now!
We received our auto insurance policy last week - I had DH make changes since we have both cars paid off and we don't need the extra covereage we had for the business. It went from $2600 last year to $1840 this year! I'm trying to get the savings built up so I can
pay it all at once; right now we're doing monthly installments. With DH now working (and getting overtime) I hope to have the EF built up quickly and our remaining debts paid off.
**I know you're saying "packing him a lunch? Why doesn't he do it?" Well, he just doesn't. He's not at all a morning person, and won't eat a sandwich made the night before because it's "soggy." If I don't pack him a lunch he doesn't eat - or worse - he purchses food out. He appreciates it, and I know he's eating something during the day. All you moms with really picky eaters at home, this is what the adult version is like.
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 went out to eat with friends and then we went shopping. I spent exactly $20 on dinner, and tried on a lot of shoes and outfits, but bought nothing. I couldn't buy anything - I smartly left all my credit cards and my debit card at home. I had another $10 on my after dinner (paid that in cash), but I didn't want to friviously throw that way. So it's nicely snuggled in my wallet.
Thanks for all the support and motivation from everyone thus far in my journey. I really appreciate it!