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Archive for June, 2019

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.