Now I truly don't mean Christmas is a downer, it is more I am taking down Christmas. The house always looks so bare, colorless, uneventful after the decorations are all put away. Honestly I was ready for it to come down the day after Christmas. Once it is over, packages are unwrapped, I'm ready to be done.
Will work a while today, finish putting away boxes, get my Grandson for the rest of the weekend, and just get ready for the new year, hibernate for the day, maybe read, maybe knit, maybe work. I haven't decided.
The snow could be gone too but we have months left of winter. It is supposed to get really cold again this week with highs of -2 on Thursday.
Saturdays are home days, time to catch up, laundry, cooking, etc. We made lefse today for the first time, that was kind of fun.
Saturday, December 31, 2016
Thursday, December 29, 2016
Contemplation
Tomorrow morning I have a meeting at 10 AM to hopefully make some decisions regarding my employment. I am working about 2-3/4 full time jobs. Two jobs were full time at one point and the other was part time which is ironic because it is the one job that takes the most time. The overtime is wonderful, don't get me wrong, but I'm getting a bit burned out on it all. I would like to get other streams of income also started kicking off the new year. This will take planning, I'm excited.
Sat down last night and totaled up by assets versus debts, not pretty. Partly it is not pretty because I am buying a new car from my husband so included that debt which is $30,000. Probably that decision was not the smartest but I have always wanted the car he bought for me to buy from him.
Today I made a deposit which is going to pay one of my bills. I don't have a lot.
1. CC - $16,400.00 (stupid I know).
2. Auto - $29,100. (probably not the smartest)
3. CC - 163.50 (I pay this one off monthly).
4, 5, 6, and 7 are $2,000 accounts I am completing for my grandchildren.
After the first of the year with transferring some money around I will have #4 and 5 paid off. Paid another $600 tonight on #2. My big credit card I am moving actually to CC #3 because it has 18 months at 0% interest and then tackling that card with vigor.
My assets totaled $43,133.06, debts $52,855.37. Like I said if I would take out the car it would be a completely different picture. These are only my personal assets and debts not our family's which includes other vehicles, homes, etc.
There are some really neat blogs to team up with for different postings. I may try that. It is fun to go back and read older posts. A good time capsule.
Sat down last night and totaled up by assets versus debts, not pretty. Partly it is not pretty because I am buying a new car from my husband so included that debt which is $30,000. Probably that decision was not the smartest but I have always wanted the car he bought for me to buy from him.
Today I made a deposit which is going to pay one of my bills. I don't have a lot.
1. CC - $16,400.00 (stupid I know).
2. Auto - $29,100. (probably not the smartest)
3. CC - 163.50 (I pay this one off monthly).
4, 5, 6, and 7 are $2,000 accounts I am completing for my grandchildren.
After the first of the year with transferring some money around I will have #4 and 5 paid off. Paid another $600 tonight on #2. My big credit card I am moving actually to CC #3 because it has 18 months at 0% interest and then tackling that card with vigor.
My assets totaled $43,133.06, debts $52,855.37. Like I said if I would take out the car it would be a completely different picture. These are only my personal assets and debts not our family's which includes other vehicles, homes, etc.
There are some really neat blogs to team up with for different postings. I may try that. It is fun to go back and read older posts. A good time capsule.
Wednesday, December 28, 2016
Back again
Well the new year is almost on us. Time to write down all our plans, fail miserably, beat ourselves up over the failure and swear next year will be different. I am determined that this year will be different, financially, familial, health and general wellness. This year I want to slow down the amount I work but also to wrap up some pending items, that have been pending for a long time, to enable myself to take off a few weeks this winter to go south with my mother. She is a wonderful lady, 75, healthy, tired of the cold and snow in the Midwest and I want to spend some time with her, good quality time. Others thoughts on the fantasy of this plan do not really matter to me any more. What matters is that I attempt to make it happen.
In that vein I want to get financially on better footing. This will involve increasing sales on Amazon, selling locally on facebook, increasing garden produce to sell at the farmer's market, creating and selling items on Etsy and anything else I can figure out. Finances will be my major stumbling block for being able to take off time in the winter so this is a huge area to concentrate on.
For my health, as I have written down for I don't know how many years, I want to be healthier, be at a better weight, be stronger, leaner. Realistically I have 45 pounds to lose and a lot of shaping up to do. My diet is not good, my level of activity is not good and it needs to improve. I am 55 and things will start, and have already started, to become affected.
Family ties need to be made stronger. I need to call my sister weekly as well as my children and txt them throughout the week. It doesn't take that much time to just slow down and jot a note. Cards at birthdays, graduations, etc I also want to get better with getting out on time. I am truly my mother's child in this regard, she is always late and so am I. It is not a good habit to get into.
This week my goals are:
1. Set up financial goal grafts.
2. Set up weight loss goal graft.
3. Do debt and asset summaries.
4. Set up bullet journal for the year.
5. Finish reading current book.
6. Set up books read side wall.
7. Finish knitting scrubby.
One thing per day, that is enough.
In that vein I want to get financially on better footing. This will involve increasing sales on Amazon, selling locally on facebook, increasing garden produce to sell at the farmer's market, creating and selling items on Etsy and anything else I can figure out. Finances will be my major stumbling block for being able to take off time in the winter so this is a huge area to concentrate on.
For my health, as I have written down for I don't know how many years, I want to be healthier, be at a better weight, be stronger, leaner. Realistically I have 45 pounds to lose and a lot of shaping up to do. My diet is not good, my level of activity is not good and it needs to improve. I am 55 and things will start, and have already started, to become affected.
Family ties need to be made stronger. I need to call my sister weekly as well as my children and txt them throughout the week. It doesn't take that much time to just slow down and jot a note. Cards at birthdays, graduations, etc I also want to get better with getting out on time. I am truly my mother's child in this regard, she is always late and so am I. It is not a good habit to get into.
This week my goals are:
1. Set up financial goal grafts.
2. Set up weight loss goal graft.
3. Do debt and asset summaries.
4. Set up bullet journal for the year.
5. Finish reading current book.
6. Set up books read side wall.
7. Finish knitting scrubby.
One thing per day, that is enough.
Sunday, July 17, 2016
Busy Day
Busy day today, trying to make it count.
Was up at 5:30 to make sure my son got to work on time. He is 23 but we have a special project at work and there was no room for him not being on time. Once up, stayed up, I like the quiet of the morning. By about 2:30 I hit a brick wall, was so tired. But this morning got a box of stuff priced for an August yard sale, listed 2 items on Amazon, hung out 4 loads of laundry and went to church. Tonight we went to the casino because as usual my dear husband was bored. I won $53.00 yea!! It goes into the cash stash which I will be making a graph for as soon as I figure out how. :) This is my small emergency fund. Unfortunately always seems to come in too handy. Need to get a handle on that.
Was up at 5:30 to make sure my son got to work on time. He is 23 but we have a special project at work and there was no room for him not being on time. Once up, stayed up, I like the quiet of the morning. By about 2:30 I hit a brick wall, was so tired. But this morning got a box of stuff priced for an August yard sale, listed 2 items on Amazon, hung out 4 loads of laundry and went to church. Tonight we went to the casino because as usual my dear husband was bored. I won $53.00 yea!! It goes into the cash stash which I will be making a graph for as soon as I figure out how. :) This is my small emergency fund. Unfortunately always seems to come in too handy. Need to get a handle on that.
Introduction
This is a personal blog. Only my observations, my life, my successes and failures. This is not an advice blog.
Many years ago I was given a writing regarding living your life on purpose for the next 5 years. I will publish it tomorrow, not sure who wrote it but it written very well. It makes you contemplate how your choices affect your life and really how not making choices affect your life.
My goal is to retire in 5 years from my birthday, September 27th. I am 54 so retirement would be 60. approximately the time my husband will retire. I am pitifully unprepared as are a majority of American's entering retirement. This blog will document my attempts and trials to become prepared, the things I enjoy, goals, work, exercise, weight loss, debt repayment, to live my life fully for the next 5 years and simultaneously to be prepare for retirement.
This is a blog in progress as I am a work in progress.
Many years ago I was given a writing regarding living your life on purpose for the next 5 years. I will publish it tomorrow, not sure who wrote it but it written very well. It makes you contemplate how your choices affect your life and really how not making choices affect your life.
My goal is to retire in 5 years from my birthday, September 27th. I am 54 so retirement would be 60. approximately the time my husband will retire. I am pitifully unprepared as are a majority of American's entering retirement. This blog will document my attempts and trials to become prepared, the things I enjoy, goals, work, exercise, weight loss, debt repayment, to live my life fully for the next 5 years and simultaneously to be prepare for retirement.
This is a blog in progress as I am a work in progress.
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