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Archive for July, 2019

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!