Casa Adalia

Archive for the ‘budget’ Category

She’s now a commissioned Air Force officer, so unfortunately, 2nd or 3rd jobs are out of the question

Sunday, May 28th, 2017

Her disposable income is better than I thought it was, so she can handle the extra jump if she swaps it out to a lower interest rate. There aren’t any fees associated with doing it up front, but I’m having her check and see if she can pay off a specific loan or earmark extra payments to go to a specific loan, or does it just blob together.

So at issue now is, she has a 20,600 loan at 7.9%. This is the one which would take the majority of the swap out.

Then she has
3500
3500
4392
8000 (ish)
11000 (ish)

with interest rates ranging from 3.4 to 6.0, attached almost in reverse order of the dollar amounts shown.

Would it be better do you think, to fold the first 3500 and half of the 2nd one into the max she can swap out (25k)? Or just fold in the 4392 loan in its entirety?

And then, is she better off sticking with a normal debt snowball and knocking off lowest to highest, or knocking off the highest balances first?

Just amazing how smart I became in her view AFTER it was all said and done (I had set her up with a decent paying job transfer back when she was a freshman…but her bio mom talked her in to turning it down because “it’s important to have FUN FUN FUN when you’re in college”. Of course, did bio mom foot any of her college expenses? yeah, you already know that’s a big fat ZERO.) So who’s having fun NOW, eh?

About a year ago I asked if anyone knew anything about a father’s rights

Friday, December 9th, 2016

When the father lived in one state and the children in another. Reminder on the subject: State had taken the kids away from the mother for numerous home situations and drug related problems. They are in PA. My nil had been notified the state had dissolved his rights as a parent without ever notifying him of the situation. They could not even claim they did not know he was the father or they didn’t know where he was because he faithfully pays his child support through the court each month. Not only were they dissolving his rights, but they expected him to continue to pay the child support. They mailed this info to him so they definitely knew where he was.
He flew out there, got a good lawyer and fought hard for the kids—he truly loves his daughters. Instead of giving him his girls they gave them to the ex-wife’s parents, who promptly handed the girls back to the mother’s parents, who despite the “supervised visits only” mandate turned the kids right back to the mtoehr. Mama ended up badly beaten by a druggy boyfriend and the girls were removed again.
Fast forward to now. He was told earlier this year that if he moved to a bigger house so the girls could each have a bedroom. Show financial stability, AND pass a home inspection by our local department of human services he could finally bring his daughters to OK. We are waiting on the home inspection by the overworked dhs workers. Please pray it is soon and that he and my niece pass the inspection so the healing of those children’s life can beging. Those little girls are separated and in foster homes right now and should be with the Daddy and step mother who love them deeply.

For chicken –

Saturday, November 5th, 2016

It depends on what kind you get to get it for .99 a lb.
Boneless, skinless breasts is usually sale price at $1.99/lb
Sometimes I can find thighs or other parts for .99/lb or less.
Although–personally—I find we like the boneless/skinless breasts better—esp me for the convenience of not having to deal with parts I don’t like….so I will spend the $2 a pound for what I want.
Then, I just economize in other parts of my grocery budget to make it work for us.

Thanks for bringing up this topic

Sunday, August 28th, 2016

I think all of with businesses (for profit or non-profit) or charities we fund raise for need band together and get the word out, especially in light of my previous post about the magazine ad being too expensive for now.

And guess who I nominate as the person to be in charge? YOU!
LOL Maybe you can at least get it started since it is your brain child. 😀

Oh, and I am thankful to have been helpful even when I wasn’t aware of it!

Just two:

Tuesday, June 7th, 2016

1 – When you do the show, make sure to let people know that they can get on your mailing list for special deals and offers.

2 – Offer something as a prize in a drawing among everyone who makes a purchase that day. Need not be present to win – another reason for the mailing list…

I had an appointment with an ad saleslady from the local magazine I had mentioned

Sunday, April 3rd, 2016

Much to my dismay, but not totally shocking, the rates are too high for me right now. They offer a lower than “rack rate” (or whatever they call it) if you do a contract for 3 months, a year, etc. I cannot do that right now. I am thinking about saving enough to do it but it is simply beyond my reach. So, I am disappointed and trying not to worry about losing potential sales from the ads.

On the happier side …

I got official word today that I am accpeted in to a HUGE craft show here on November 2. It has 6000-8000 visitors each time they have it. It is a true craft show. More on that in a minute. All booths are 10×10 though anyone is welcome to get more booth space. I will have one 10×10. They have community involvement with clubs like Rotary, etc. My dh will work the Rotary booth for a while. The clubs sell different food/beverages to help raise money for the museum which puts this on. Here is a link to the museum … http://www.southdownmuseum.org/marketplace. This is a huge show that many attend faithfully and it’s held twice a year. Many people schedule their spring and fall around this event. Of course, not all the visitors visit every booth. However, I expect a lot of action that day and down the road from repeat business or those who could not buy that day but do so later.

Too many are called “craft fairs/shows” and they’ll have 1/2 or more of the booths filled with “resellers” … tupperware, avon, mary kay, scentsy, etc. I have nothing against those products and have bought from all those companies and more. However, for people like me it cheapens the whole event to have that kind of product in with real, true crafts. This event does NOT allow resellers. If you start out with a commercially manufactured item, it must be significantly modified. I aum, no, that’s not the motivation, and I was pained to hear that was ever a suspicion. Suffice to say we both learned a few new things. And now we both feel like we’re on the same page again, in terms of financial priorities and spending limits. That by itself feels great. If you live close enough I hope you’ll come to Southdown. I will be in booth number 55.

The other good news is that I have the custom book cases in my studio. I hope to get pics posted in the next couple of days after things are loaded into the room. I am waiting on the table top. We are having a granite top cut and polished for my work table. I am crossing my fingers it can be delivered by week’s end.

Dh has given me some work to think about. I really need to do it. It more alogn the lines of “office work”. I need to set up an official leger (eletronic or written). I have been saving receipts but have not done more with them. After getting my studio set up I need to get with him on the ledger business. I am sure I need to do more official book work in some way.

So I guess I have the proverbial good news, bad news report. However it’s not really bad at all concerning the magazine. It just gives me some goals to work toward.

First of all, our first “budget meeting under new rules of management” went really well

Wednesday, February 17th, 2016

Surprisingly well. We have a tentative budget for August, with both of us agreed to the various amounts and limits. We’re putting a moratorium on all extra projects and purchases until we BOTH feel like we’ve got our collective spending under control.

Second, DH is just about done prepping not only his July spending info for sharing, but also May/June. Interesting little evolution with that situation. Keep in mind that one of the reasons we’re still in therapy is that he has a lot of difficulty with expressing his opinions, concerns, idea, etc. (Whatever my limitations in life, that’s obviously not one of them). So this whole time that we’ve been living beyond our means post-DR, he thought he was doing a good job communicating his concerns and frustrations. Um, honey, you actually have to say this stuff OUT LOUD before anyone else knows about it; walking around scowling doesn’t convey much detail! But his reluctance to share account info was based on his conviction that I had totally blown off DR and just wanted to spend all his money anyway. Wow, um, no, that’s not the motivation, and I was pained to hear that was ever a suspicion. Suffice to say we both learned a few new things. And now we both feel like we’re on the same page again, in terms of financial priorities and spending limits. That by itself feels great.

But the biggest news is that I’ve had a major change of heart concerning my own earnings potential. As I mentioned last week, DH and I were already in agreement that farm income HAD to improve. And as I reviewed this-or-that option, I kept running into the same problem. We’ve got the production end of things down pat. We can produce garden goodies. We can produce piglets and chickens and rabbits and eggs and hay and a whole host of other products. The crunch comes, though, in the sales and marketing. There is no single product we’ve created yet so far that we’ve consistently sold out. We’ve come close on some items, but we’re not at that “demand is greater than supply” stage yet. Furthermore, our cost of production is still high enough that whatever we do sell, we only make about 5% profit on it. And we don’t have the scale yet to make that 5% add up to enough for me to live on. Long story short, I could produce my little heart out over the next few weeks and months, and maybe sell all of it, maybe sell some, maybe sell nothing. And still not quite earn enough to meet our financial goals. A lot of that is because we’re still building out our capacity. But bottom line, I can’t meet our income goals for the year, with just the farm. So, over the weekend, I made the hard decision to button some things up here and start looking for non-farm part-time work again. It’s the only way I can guarantee that I’ll actually be paid for effort made, and get paid enough to make a difference. I came to that decision kicking and screaming, but the numbers just wouldn’t allow for any wishful thinking in that regard.

So the job search has already begun, and I’m already putting together application materials for two different listings I’ve found so far. Yikes, back in the job market after 3 years of self-employment. Not for the faint of heart. But that’s my homework report. I might not get an A for achievement yet, but I sure as heck hope I got a gold star for effort.