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Archive for September, 2016

random updates

September 4th, 2016 at 02:12 pm

I'm a changed woman. My youngest child finally went off to school ALL DAY. It's strange and liberating to have 7 hours in a row to get things done, five days a week!

(In that time, I started writing novels #2 and #3. Still no bites in the traditional publishing world for Novel 1, but that's okay).

I finally feel like I can breathe and concentrate. I'm trying to figure out my new routine and schedule.

Now that I'm not so frazzled, our financial lives are improving. (funny how much money you can save when you aren't stressed out and in a rush all the time.)

We went back to a weekly all-cash family budget for all spending other than bills. ($400/week, and Hubby has a $43 weekly allowance, for his weird hobby shop stuff).

Man, this really helps. Our credit card kind of got out of control over the summer. It's too easy to spend more than you thought when you're always swiping and not thinking about it.

I've had several three-day stretches of no-spend and no-drive days.

Other things are on auto pilot.

On payday, we're finally able to put 15 percent into savings. In the next month or so, I hope to raise that to 20 percent. (into the savings account. I'm not counting the 401k, which we max out every year).

If we can stick with the cash budget, the credit card from all or our family obligation travel will be paid off in four weeks, and after that, we should have a lot of free cash every payday to stash in savings and start fixing/repairing/upgrading the house.

In the meantime, I'm controlling my home improvement urges by doing cheap and free stuff around the house. I borrowed a pressure washer from my mom, so I'm about to head outside to clean off the back patio and wash the siding. Woot!

It's funny how a cleaner house can make you feel better about things. I really have to force myself to scrub though, because I hate cleaning, and I'm not very good at it. My friend has an immaculate house, and I have no idea how she gets and keeps it that clean!