Casa Adalia

Archive for the ‘money’ Category

I say keep the payments due lower

Thursday, June 8th, 2017

There is no guarantee for the future. And, she can always make higher payments (snowball). That is what is saving the interest—paying them off quicker.

Helen

P.S. I speak from experience. My hubby and I were making good money–I changed my student loans to higher payments. Then, I lost my very secure teaching job—and got behind. It took me forever to straighten it out. Had I kept the payments smaller—we could have made the monthly payment during the job loss and not had to worry about it.

I’d say that saving interest is a good idea

Tuesday, May 9th, 2017

It’s not like she’s taking out more debt. I agree with Cindy. If there are fees involved, be careful.
My main focus would be to help her get GAZELLE! She needs to light a fire under her butt and go as fast as she can to get rid of all of it. Whatever works. Transferring loans is just the tip of the iceberg. She needs to cut, cut, cut her budget. No more coffee, no more dining out, no more haircuts, no more manicures. Get the cheapest cell phone out there. No more clothes or shoes. Get a second or third job. Work and put every penny she has to those loans. She will feel exhilarated and jubilant once they are GONE forever! I’d say not five years but maybe 2? Have her live off of half her income or less and slam all the rest on her loans until they are gone.
The guy got rid of 100K of student’s loans in 10 months. He is an interesting writer and he keeps you wanting to read more. Hope your daughter can get it paid off quick, so she can move on with her life.

As a person who once wrote a book on

Friday, October 7th, 2016

How to get and build up a year’s worth of groceries for our family of 7, I never quite know how to respond to the blanket statement that couponing doesn’t work.

I have ideas as to how it might not be working for you, but unless one is vegan or highly allergic or has special religious restrictions (I’m talking orthodox kosher or hallal), you can always save money using coupons. I won’t spend time trying to convert someone to my way of thought regarding grocery shopping, but I will piggyback on to some of what Kimberly said (and thank you Kathryn for the link to localharvest. I’ll check it out in a minute.)

And by the way, when I refer to “you”, I’m referring to the generic YOU, not the original poster, so please don’t take offense. None is intended.

GROCERIES. By this I mean food items.

1. If you are not going to use coupons then you need to rid your mind of brand name products.

If you’re serious about slashing your bill to save money, you can’t be buying $5.99 Pantene when .89cent VO5 will do. It’s the same with food items. There’s no reason to buy Horizon organic milk ($5.29/gal in my area) versus store brand non-organic $2.89/gal. GM cheerios $3.89/box versus storebrand $1.89. You get the point.

2. Bulk up when it’s on sale, and fit your weekly menu to use sale items, rather than grocery shopping out of a cook book.

This means if chicken is on sale .99/lb, then buy 40# of chicken that week. And all your meals (well most of them anyway) is based off chicken. It means you can’t be picky about when you’re going to eat something (or not.) There’s no reason to pay full retail for some things when they are on sale, even if you don’t use it all that week. That’s what a freezer is for.

If you don’t have enough room to store it the original packaging (I’m talking value pack chicken breast on the bone specifically) then filet it off the bone and pack it single layer in a gallon ziplock bag. It will freeze almost flat. BTW, if you throw in BBQ sauce or some kind of marinade in there at the same time, it will defrost and marinade at the same time, and you can toss in a crockpot or whatever.

3. Shop outside your comfort zone.

I live in southern California. Most caucasian people won’t step foot inside the vietnamese grocery stores, because “the store smells funny.” Too bad for them ‘cuz 50# bags of rice are regularly $29, and vegetables run an average of .33 to .50/lb. Ground beef, not used widely in asian cooking, is $1.79 or less a pound. Regular price. Ditto for mexican grocery stores where beans in bulk run about .10 – .20cents/lb.

There is a “same or next day” produce market near me which has really really cheap prices for produce. But if you’re looking to save a bundle and are willing to use it that day, then you’ll save loads. If I was vegan or vegetarian, that’s where I’d be.

NON FOOD ITEMS

1. Get over brand name loyalty. (we just had an “discussion” on this list about CVS 1000ct TP versus Aldi’s double roll versus Scott or Charmin.)

2. Become a dollar store devotee.

3. Use coupons.

AND FINALLY…learn to make stuff from scratch. Bread, cookies, milk (talking powdered, not get your own cow or goat!), laundry detergent, dish soap, bath bombs, noodles etc. can ALL be made from scratch for pennies on the dollar. I make my own bread and snacks, cream of soup and baking mixes, but am brand loyal to non-powdered milk for drinking (I live with a milk sommelier!), and would make my own detergents and soaps from scratch if I didn’t get it for free using coupons, which I do.

Hope this helps.

The issue of marketing and generating sales is a HUGE piece of any small biz

Thursday, July 21st, 2016

Any biz of any size, actually. That’s where most businesses fall-down-go-boom. Sure, we go into business because we can make X gizmo over and over again and have it come out really well. But can we sell it? And can we find a big enough flock of people, to sell enough of it to live off the proceeds? There lay the difference between success and failure. And you’re well on your way now to figuring out how big a role that plays. My decision this week to go back to hourly work for awhile is exactly due to this conundrum. We can make the bacon. But we can’t sell enough of it yet to live on.

Taking a step back from the “list an ad here vs list an ad there”, have you considered consulting with a small biz advisor in your area? There are a lot of different programs offered for small business owners, for exactly this type of question. SBA offers a lot of workshops and classes through various community colleges. You may have a chapter of SCORE nearby (Service Corps of Retired Executives, www.score.org), which are retired yet successful business owners who want to mentor new biz owners like us. I just went to look up that website, and it looks like they’ve got online classes now too.

Even talking to other shop owners or crafters like yourself, but making different products, will give you some insights into what works and what doesn’t in your area. They’ve already gone and tried a lot of the things you’re thinking about.

For me, we’ve consulted off and on with other small farm owners, we have mentors who have successful small farms, and we’re on email lists like this one, but for various farm categories. Joining up with like-minded folks trying to do the same thing, but in different communities, gives you access to a huge volume of information without directly competing with them on sales. It can create a lot of camaraderie. I know I’ve learned a lot about how to market and sell farm products that way. We just need more $$$ coming in first so we can go DO some of those marketing ideas.

Hang in there. You’re feeling growing pains right now and that stinks. For that matter, so are we. But an hour spent with someone who’s been-there-done-that can save you days (weeks, months, years) of effort trying to blaze that trail for yourself. Hopefully you can find someone who can help you sort out options, choose the ones you’re going to go for, and make the most of it. Onward and upward!

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.