Whoops, sorry

Thought the two you mentioned got sold and you were going to be able to use them later. Knew you had the others and more than plenty to do. Lina

Hello Everyone!

I have been working on some things to make the house run more smoothly, now I just need to implement what I am learning. This is the original that FlyLady copied. I find it more “forgiving”, I don’t have to have a bunch of emails from a system clogging up my in box (almost too many already!), and I am not dependent on my computer to know what I need to do for the day. Craft show season is almost upon us. I am getting ready for that as well. I have developed a new category of products for home décor, some 3”x6” tumbled travertine plaques. Here is a link www.paydayloansfloridaonline.biz to payday loans in FL. Actually, I just realized I have another one that is not yet uploaded. Will be uploaded this week though. Personally, we are getting deposits done to finalize 2014 contributions for h-s-a and IRAs so we can get our taxes done. I am wondering something about mutual funds. We have our IRAs and non-retirement investments all in mutual funds. They are spread out over about 12 different mutual funds. When looking at the interest rate, I know we need to look at the life of the fund and the older the fund the better, most of the time. We had an overall return of about 16% for last year when looking at all the funds as a whole. Are we supposed to look at the whole? Or do we look at a particular individual mutual fund’s return?

Lets see – I came down with strep throat this weekend – NOT planned

HOWEVER!!!! I did, with the help of some friends, get the sheep/goat bolus done so that is a major step forward in their health and improvement.
Also, Gandalf IS in his forever home – his new owner adores him and I have the option to use him after his xrays when he is 2 so that is great.
Fleur also, is in her new home since she is an outstanding bitch so I will co-own her and thus my kennel name will get out there which is super. The entire litter is gaining wows from Belgian lovers because of their bomb proof temperaments which means I can take pride in a litter well raised.
I’m steadily working towards getting caught up on the mortgage, 6 months left to go, and have been steadily working on getting a budget setup for both me and the farm.
Shearing this week so getting setup with the spin a pound get a pound group so I can sell the processed fiber without being out a bunch of money on the front side – very pleased about that. I plan to make items for sale as time allows. Also need to get with the dairy inspector to find out what I need to do for a Grade B dairy.
So, that’s my progress for this week.

I’ve never liked spending money, so it is difficult anytime

for cars, I do try to purchase new or lease return because I would hate for my kid to be stuck on the side of the road. Got lucky with the last car–2013 vw jetta, only 7200 miles and had all the bells and whistles. used car price, but got the new car financing–yes, working on credit score for the kid because eventually they will need something when they look for a place to live…but that is another story.

We’ve been scoring big at the grocery store recently, the bogo’s have been great. The last 3 trips have had savings of $50 or more and spent under $100….that is spending/saving I like to see

I think we have decided to keep the suburban for a little longer

It will be the car we take when we have everyone home. So not often. I think we have decided to buy me a new to us under our budget Mazda 6. It will be for when it is us and just the 3 littles. We do mainly errands with the main car anyway. I work at home. I think we will save enough on gas to help with the suburban repairs. Since it will be drove way less we should have less repairs. The left over money is going into our addition fund. If the suburban gets worse we will replace it then. So, I guess I am getting a car for the first time since I was 19 ! We have always had a suv or van. Woot ! Woot !

Maybe working the baby steps has brought out my nerdiness

LOL I hate shopping now. I can save forever and have cash. Then when I go shopping it now feels like a chore. I feel like I should get the best deal and hunting it isn’t nearly as fun. The car shopping is NOT going well. I am not loving anything in our budget. The cars are nice and ok. They are no nicer than my dying suburban and way more money. I could save more but , that is more money I could invest. Anyone else finding the need to get the best deal making it hard to enjoy shopping and down right frustrating ? Rant over !

Good morning all

Since I’ve started to come out of lurkdom, I’ve actually got a pretty substantial homework report to provide. And maybe some extra credit which will help others.

As most of you know, DH and I had really frayed relations during the first few months of this year. Lots of reasons why, but most of them boil down to fundamental disagreements about how to spend, save, allocate and earn money. So I’ll share a few of our accomplishments over the last few months.

I’m happy to report as my first homework assignment that we have worked through a lot of those. Not all, but many. One thing which came to the surface, which is of importance to those folks who are self-employed and/or run their own businesses, is that we can be married to people who love us and want us to succeed, but that doesn’t mean they are qualified to help us make good business decisions. Likewise, we may really want to succeed and be heavily invested in our business, but we don’t always make sound business decisions either. DH and I ran into a number of scenarios where we had made choices on behalf of the business, which almost sank the business. For the time being, we’ve both started to defer to what our business mentors are telling us is the prudent choice to make in any given category, which has helped take a lot of the reactionary aspect out of things. For anyone who is constantly arguing with a spouse about how to run a business, I’d highly recommend some objective third-party guidance. Having said that, make sure the guidance is qualified as well. Both my parents have been self employed in other industries and they tried to “help” the situation by offering their suggestions. In the end they could have done more harm than good as well. So, if seeking opinions or “help”, make sure that help is qualified. That right there has restored a lot of peace in the household, and given the farm business a good strong dose of “help” which is actually helpful.

Second, both DH and I came to agree that the farm wasn’t bringing in enough, and just for the time being I needed to earn something from some additional source. Yet that additional source needed to meet certain criteria which at first seemed almost insurmountable:

1) I needed to be able to work from home, both because I need to monitor things here but also because time spent on the road is a killer financially, emotionally and energetically. Many other folks are able to do something useful with that time, like read on the bus or do books on tape, or homework or whatever. But having commuted for 5 years myself, with very few options for mass transit here, it wasn’t a good choice.

2) The pay needed to be better than minimum wage before it would be worthwhile. Some folks, including DR I believe, would argue that any part-time job is better than nothing. Well, when you figure in fuel and time spent away from a business that is already making money, and could make more if I was there working on it, that argument starts to go out the window. I needed a job that would make more than I was already making.

3) I needed a job where I could vary my hours from full-time to almost nothing, without a lot of hoops to jump through to get that flexibility. That would be almost impossible in a standard corporate or business environment, where they expect you to be there a predictable amount of time. But if the hay is ready to harvest right now and rain is due on Friday, I can’t be messing around until Thurs afternoon with getting time-off permissions. So we were obligated to find something flexible enough to keep our primary business operating the way it demanded.
Believe it or not, I found a job that fits all the above criteria. And instead of going into the details of what I’ll be doing, which isn’t important, I’ll share where I found that job. I signed up for a subscription job listing service called www.flexjobs.com which is the single best source of telecommute, flex-time, part-time and other non-traditional jobs I’ve ever found. And no, it’s not all sales calls or stuffing envelopes or selling pencils on the corner. It’s a very good variety of all the normal jobs you’d expect to find on any job site; they just happen to allow stuff like telecommuting, flex-time, part-time, etc. It beat Monster.com hands down in terms of bringing me exactly what I was looking for. During previous job searches I’d find maybe one job per week, after scouring a variety of job list sites. With flexjobs.com, I had applied to 20 different jobs within a month (roughly one job posting per workday), and found my current job within 5 weeks. It’s a $15/month subscription cost, which is dramatically less than Monster.com’s $70/month referral service. For anyone needing either part-time or full-time work under non-traditional working conditions, I highly recommend it.

Third, I finally decided to clean up some incorrect entries on my credit report. I had been getting the free reports per year as recommended in FPU class, and had consistently noted two collections entries which I had tried to resolve with those companies years ago. One of them was a dispute I was having with Washington Mutual, which became Chase, over a $25 checking account charge which ballooned into over $200 in fees. I fought that for years and kept getting stonewalled by Chase. A second account was settled verbally many years ago (stupid of me I know), but then someone higher up decided nope they wanted to stick to the previous written terms, and started piling on charges there too. That one went from a flat $100 to over $200 thanks to late fees, etc. I had done all I could with both vendors to settle, and they wouldn’t budge. My most recent contact with either one, was in 2008. So I contacted TransUnion back in March to formally contest both entries. About 30 days later, I got word that both collection entries had been dropped from my credit report because those two parties couldn’t verify the information. Finally! Geez, I should have done that YEARS ago, but at least now it’s done. If anyone has been dragging their feet on cleaning up incorrect entries on their credit reports, I have to say this was very easy. Just file the dispute, wait the 30 days and see what happens. It cost me all of 10 minutes, and no $$. Now I don’t have to snarl every time I look at the darn thing – everything still on the report is correct. Yay!
So, things are looking up here. We still have a long way to go, and yes we still argue about money. But now we’re getting some better traction on the DR road and making some progress together instead of pulling in different directions. And that feels great.