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August Ahead

August 5th, 2019 at 01:02 pm

In addition to my July sales of 191.50, I managed to squeak in a few more sales in early August. I sold a text book I no longer need for $40 after fees and shipping through Amazon. I also sold the standing desk, for a fire price of $40. In total I made $80 this month. I don't have much left to sell so I will donate the rest because it doesn't need to be taking up space in my house.

I discovered that picking up extra hours at my side gig is a more lucrative way for me to make extra income, rather than reselling. But it was fun to get some cash for stuff that was in my house anyway.

It is time to update my Financial Goals on my sidebar. It looks pretty bleak when it is posted for everyone to see, but I need to see it laid out to track my progress.

End of Month Summary

July 27th, 2019 at 12:28 pm

I worked hard this month to save more for next month, as I do not get an August paycheck (I get 11 paychecks a year).

My activity thus far:
*Earned $193.65 through selling items I no longer needed.
*Treated my second job like I am business for myself, bringing in extra hours for me
*Opened up a credit card account with $500 bonus (won't see this money, though, for 3-4 months)
*Opened a checking account with $400 bonus (in 3-4 months)

There are still a few more days to make some extra cash. I have a Varidesk (a sit-stand desk) that I picked up at the thrift store for $12.00. I listed it today for $80. If I don't get any bites this week I will drop it down significantly. I don't like holding on to items too long. It would be great to sell that before the end of the month and add it to my stash!

In addition to cleaning out my house for things to sell, I put myself out there to pick up more hours at my part-time job. That is what I am building so that I can go solo and leave my full-time gig in a few years, if I choose to do that.

The account bonuses were only a little bit of a pain, because I had to complete paperwork to change my direct deposits. But those are large enough bonuses to justify the trouble, I believe.

I still need to post my financial goals. I really need to write them down on paper. I'm a visual girl.

Inspired by SA posters

July 9th, 2019 at 12:13 pm

I have been busy these past few days. Last time I was on SA and caught up on some blogs, I was impressed by how several posters were actively catching snowflakes. In the past I've alway assumed the amounts earned or saved were not worth the effort. But after a little bit of research I did find some easy ways to earn.

1)I tried out the Facebook local yard sales. Way easier than dealing with Craigslist or OfferUp, with the back and forth dealing and no-shows.

I went ahead and quickly posted some items that I have held onto for a couple years, intending for them to be gifts but it never happened. Those have not sold, I think people are waiting for them to get down to "fire sale" prices.

I listed several decor pieces that I purchased overseas over ten years ago. I have loved them in my home throughout this time and I have enjoyed using them in different ways throughout the years to keep the look updated. I'm just ready to pare down my stuff even more. I priced these items very cheaply, as I feel that I more than got my use out of them. They sold within a half hour.

2)I found out about Decluttr as well and was so successful on that site. I had unused tech devices that I wasn't able to sell back when I got new ones for whatever reason. I figured I wouldn't get much for them because technology ages so quickly. I was shocked to discover I am getting $122! An Ipod classic? I didn't think they would want that, and an older Iphone as well that used to belong to my kids.

3)I applied for and accepted a credit card offer for Bank of America Premium Rewards. It has a bonus 5,000 points if you spend $3,000 in 3 months. That can be redeemed for $500! It has an annual fee but I believe the benefits outweigh the fee for me. Time will tell.

All in all, over the last few days I earned:
$19 in FB sales
$122 in Decluttr
Total: $141

Thanks for the inspiration, guys!

Making progress

July 4th, 2019 at 02:56 pm

I have been keeping up with my Daily Action Steps. My to-do list is my new best friend and goes with me everywhere. I break down my tasks into smaller jobs to check off to show progress.

I have been making strides in communication with others, particularly in regards to work. I touch base with my staff and clients right away instead of postponing, which just adds more stress.

I have also been proactive with scheduling my hours.
This job is very flexible and I am expected to manage my own schedule. I don't need to be shy about scheduling myself hours that are available and appropriate.

I'm really starting to like this feeling of confidence that is growing.

Now, I could do better when it comes to diet and exercise lately. I need to develop better habits in those areas.

In personal finance, I am trying to keep my outlook positive because it is so easy to ruminate over financial concerns. And those negative thoughts aren't going to solve anything. They just make me feel poor, even when I'm not. But I am trying a different way of budgeting this month and I'll report back on results in a few weeks.

I hope everyone is enjoying the 4th of July!

Thrift store jackpot!

June 26th, 2019 at 12:57 pm

While browsing one of the nicer thrift stores, I noticed a pair of sandals with a European style. Typically these style shoes are not super cute but very comfortable and made for long days of walking. I checked out the bottom and they were made in Germany so that got my attention, they were Finn Comfort brand and looked brand new. They were very comfortable when I tried them on so I picked them up for $2.79.

When I got home I checked online and these shoes start at $225.00! I noticed that the ones I have do not have insoles, just rubber, sort of like wearing Crocs. The insoles are removable so that instead of replacing the shoe the consumers just remove the insoles to wash or replace. Insoles cost $61. Yikes.

Despite the price, I am going to splurge and purchase the correct insoles. That way I can enjoy wearing $225 shoes for only $65 and hopefully get many years of wear out of them.

DAS check in

June 20th, 2019 at 12:16 pm

DAS is short for my Daily Action Steps to keep myself moving in the right direction.
1. Check
2. Check, about an hour of work increasing my knowledge on an assessment
3. Check. Already completed an email and have 2 more I will respond to
4. This part is fun because we have all been home the past 2 days Smile

Financially, all bills for the month have been paid or the money is sitting there waiting for automatic payment to go through.

I haven't put any extra on my credit card yet because I will have one month this summer where I do not get a full-time paycheck. I am a teacher and our pay is divided into 11 months. I didn't set up summer savings to cover that month, which I have always done in the past. Foolishly I forgot all about the "no paycheck" month until March. Needless to say all extra cash has been funneled into savings to cover that one month because I don't want to take any money from my longer term accounts.

Fortunately my second job has been providing decent money to help me through these past 6 months. Summer is my time to ramp up my hours, so any extra money there is heading to savings/0% credit card.

I have fixed expenses and flexible expenses. The "flexible" expenses are paid for by my second job. My goal is to save 50% of my second job paycheck. When that money builds up a bit more I can do something with it.

Long but Life Changing

June 19th, 2019 at 08:07 am

Now that I have more free time I have been listening to podcasts and reading about women who have developed the confidence and skills to go past their "safe" zone. I want to go past my "safe" zone. I admit that I sabotage myself when things get uncomfortable or challenging. I know I haven't had the confidence to accept the feelings and push through anyway. I haven't had the confidence to speak up for myself and to disagree with someone effectively. I've accepted safe and easy, and my budget shows it.

I've always been impressed by a woman who intelligently speaks her mind and pushes forward past the "safe" point, because that doesn't come easy to me. I imagine how empowering it will feel for me to learn those skills.

I'm in my early 40's now and have stopped caring quite so much if I am doing what I am "supposed" to be doing. I have to believe that it is not too late to develop the skills and confidence I need to see what I can do with this life. This goes beyond furthering a career. Being a role model to my girls, speaking up for what is right, bringing all that I can to this world. Basically yes, living to my potential. It may be really uncomfortable for me at first, but the benefits can be immeasurable. Now comes the action part, though.

Finnicky Site and More

June 5th, 2019 at 02:35 pm

Am I the only one who has had difficulty logging into saving advice to update a blog? There have been several times I have tried to log in to update and the site has not been responding, etc. so I just gave up.

My school year is wrapping up, and not a moment too soon. My patience is just about depleted. I do have a second job. This is the post-grad certification that I worked on for a couple years. I want to stay in teaching a couple more years until my youngest graduates from high school. Until then, I am working with a part-time caseload a couple evenings a week. The hourly rate is much better than teaching and the stress is much less. Before I transition to private supervising, though, I need to do more research on local salaries, expenses of insurance, etc.

This summer is a great opportunity to improve my financial standing. My budget really took a hit this past year and I'm still recovering from that. More details later.

Back again

April 14th, 2019 at 07:08 am

I've been on SA for several years but dropped off a couple of years ago. I was going through some challenges and didn't feel confident enough to share them here. So I kept it all to myself until I pushed through it.

I feel like I'm at a stronger place now, and I am ready to start blogging again. I miss being able to journal my thoughts about finances, my dreams, my goals, my concerns. I think I need that right now as I am starting fresh yet again.

I miss this SA family that "gets" it.