September 4, 2017

Net Worth & Life Report: August 2017

Money and Life Report: August 2017

On Money

Income

Our normal income comes from two full time day jobs.

We experiment with earning money on the side, including minimal cash flow that we don’t touch from an investment property and investing in dividend stocks.

Some side income comes from Swagbucks, selling clothes on Poshmark which is hit or miss, and Achievemint (my introduction to it). Any purchases you make going through my Amazon links keep these blog lights on.

The long term goal is to replace our day job income before my health declines enough to prevent me from working.

***   ***   ***

Chase bonus! That last $150 bonus for opening a savings account in PiC’s name and keeping $10,000 in there for 6 months has finally hit our account. I’m leaving the cash in there for now because we’re going to need alla that and then some for taxes. That’s just a guess. An educated guess.

It’s actually quite awesome having the money set aside for taxes long before they’re due, and even making some money doing so, so a new tradition may have been born. In a few months, our coffers will be rebuilt and then it’ll be my turn to open a savings account to generate some income. Their scheduled transfers function is a nightmare to work with so I may have to skip the delicious checking accounts bonuses, though.

Comcast: I make it a goal to wrench back every penny they try to steal. This month was no different. Our equipment was sent back months ago, but they were still charging me a $2.50 fee monthly for … no darn good reason. If you too hate talking on the phone and have been avoiding dealing with them, use their chat function to demand your money back.

Spending

Our normal spending includes the living expenses for two households so this update ignores those ordinary living expenses. When buying anything online, I always check Mr. Rebates and Ebates for cashback.

Tiny surprises. I redeemed a Swagbucks deal for 100 free photo prints through York Photo. Then divvied them all up and sent surprise packets of photos to aunties and grandparents who were long overdue for an update. It doesn’t make sense to make them wait to get a photo once a year with the Christmas card, does it?

Eating out. We’ve had a house guest and, separately from the guest, under a great deal of pressure to get several extra things done per day over our usual workload so my concession has been to spend on food made by Not Me. Here’s an indicator of how exhausted I’ve been – I haven’t even bothered to keep track of every meal’s cost obsessively. It’s a temporary fix, and we’ve combined the need to eat with treating our guest to local delicacies. Win win?

Saving and investing

We max out a 401(k) and IRA every year. We normally save 20% of cash of our net salaries but that’s on hold while we get ourselves sorted out.

My secret stash is almost $6,000 right now which is a hoot considering how broke all the work is making us. But you know I can’t just spend without doing something to offset it. Plus, I have small amounts of our paychecks going directly to savings to make sure we never actually stop saving something. Some portion of that is going to pay for work that we had initially planned to delay but it’ll make life a LOT easier if we pay it now.

JuggerBaby’s 529 plan has gotten a couple of big infusions in the past 2 years and has since been sitting. I felt a bit guilty especially when I remembered that we have $1000 we consider untouchable for JB that hasn’t been invested yet. Duh! Vanguard’s automatic contributions plan has a minimum of $50 per month, so I’ve set up monthly contributions of $100 out of that account. By the time that money runs out, we should be in a position to increase the contributions comfortably.

Our net worth update: steadily dropping while reno is underway.

Links from this month

On Health

My steps average has risen by 500-1500 steps a day but my body is not thrilled with this increase. I’d hoped that gradually building on my average number week by week would build my stamina accordingly but gauging progress is complicated by the other aspects of my health. How do you tell the difference between “feels like crap because lots of steps happened yesterday” and “feels like crap because even though I was up to lots of steps yesterday, today is a fibro flare day”?

So far, I can’t tell. There’s no longer that distinction between good pain and bad pain. 

On Life

Breaking point. We’ve been doing a good job of keeping ourselves on an even keel despite all the disruptions but I can feel my body steadily losing its grip. My required recovery after each heavy work+reno day is getting longer and longer, and my body is not bouncing back at all, just trudging into the next day with a groan. It’s feeling a whole lot like those first really tough months after JuggerBaby was born – depressingly painful fatigue on top of the usual pain. I am not a fan. As little as I want to leave the place that’s been our home since I moved to the north of the state, my sense of self preservation does desperately want us moved and done before this wispy shell of my self shatters into a million pieces.

Sidebar: PiC joked we should flip this house, it’ll look so good when we’re done! I laughed. Then our (we haven’t even move in yet!!!) neighbor trespassed on our property to snoop around and check out our work. Now I’m considering it.

Extra sidebar: we discovered a second set of neighbors had decided to walk right in and tour the house uninvited. I’m on the verge of tackling the next intruders and calling the police. Just because you see an open door doesn’t mean you should walk in and track dirt all over my clean floors!

Jerks.

Moana! JuggerBaby is obsessed and it’s pretty awesome for us adults too. We’ve become a Lin-Manuel Miranda and co. household between Hamilton and Moana. The music is too clever to be annoyed by hearing it all day. (“You’re welcome!”)

:: How did you wind up your summer? Are you excited for fall or sad to leave summer behind? 

Read past monthly updates here!

August 7, 2017

Net Worth & Life Report: July 2017

Money & Life Report: July 2017

On Money

Income

Our normal income comes from two full time day jobs.

We experiment with earning money on the side, including minimal cash flow that we don’t touch from an investment property and investing in dividend stocks.

Some side income comes from Swagbucks, selling clothes on Poshmark which is hit or miss, and Achievemint (my introduction to it). Any purchases you make going through my Amazon links keep these blog lights on.

The long term goal is to replace our day job income before my health declines enough to prevent me from working.

***

Poshmark sales! $28 for an amazing designer dress (bought on clearance!) that my post-partum body simply cannot get into anymore. Don’t think I didn’t try – and get very very stuck. I did. For a horrible five minutes, I thought PiC would have to cut me out of it.

$11 for a classic two button ten year old suit that, the fates willing, I won’t ever need again.

If I can average two sales a month, that’s a nice trickle of pocket change but my need to declutter would REALLY be tickled if  it’d go up to two items a week. Just putting that out there, universe. Feel free to make it so.

Rental income: came in on time and covered the mortgage, HOA, supplemental home warranty coverage, insurance, and taxes (the latter two are escrowed) with $180 to spare.

Spending

Our normal spending includes the living expenses for two households so this update ignores those ordinary living expenses. When buying anything online, I always check Mr. Rebates and Ebates for cashback.

SDCC usually means a fair amount of spending. Because of the upcoming move, sometime this fall, I forced myself to keep it to the bare minimum. I only brought home a few books and souvenirs – a couple of which were gifts from my friend. He’s getting his gift from me that I preordered several months ago, and then promptly forgot about!

American Express Purchase Protection: Remember how I decided to charge everything related to the house? Turns out I was right to do that. Mostly the folks working on the house are careful but accidents happen and one did. A fixture that we had purchased well ahead of the planned installation date was absentmindedly used as a stepstool. Of course, it broke. Shattered, really. It was an accident, but one that would cost us another $50. For the first time, I submitted a claim with American Express, explaining what happened, and was told: Please allow for 30-45 days to resolve your claim.

24 hours later I was notified that the claim was approved, and the next day, the credit was already on my account.

The fine print: Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect eligible purchases made on your Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the date of purchase. Please read important exclusions and restrictions to see if your item is eligible for coverage.

Thanks and thanks. JuggerBaby got THE BEST gifts this year from some super-awesome long-time friends. That called for some of our fanciest thank you cards. I believe in mailing thank you cards for as long as my fingers are still functioning, though there are quite a few days that they don’t.

Saving and investing

We max out a 401(k) and IRA every year. We normally save 20% of cash of our net salaries but that’s on hold while we get ourselves sorted out with the reno work.

Future travel. We don’t have any plans for travel and I have no idea when we’ll be ready to but that’s never stopped me from planning ahead.

See: “The striving, even when it wasn’t crystal clear what the striving would be in aid of, was worth it.” I’m setting an audacious goal of banking 300,000 airline miles to be saved for future vacations – one domestic, and one international. The reason it’s so high? To fly business class, or even first class, on that international trip. We survived that last trip but it wasn’t precisely fun and most of us got sick after that. One of these days, I’m going first class, baby! And then sadly back to coach class after that.

Our net worth update: on hold while reno is underway.

Links from this month

On Life

The circle of life. We’ve had everything this summer: new babies, new weddings, and now funerals. I never wanted to include this section in my monthly update but what a terrible month. We’ve lost a friend of this blog, and three family members, with two seriously ill family members. I’m holding up ok but there’s a layer of sadness tinging everything I do, and it will for a while. It gives me flashbacks to the years we were losing parents and friends, one after another, in what felt like an endless stream. It’s too early for this –  for all of this.

:: How was your July? Have you ever traveled first class? Do you still write thank you cards? Do you like getting them?

Read past monthly updates here!

July 10, 2017

Net Worth & Life Report: June 2017

Money and Life Report: June 2017

On Money

Income

Our normal income comes from two full time day jobs.

We experiment with earning money on the side, including minimal cash flow that we don’t touch from an investment property and investing in dividend stocks.

Some side income comes from Swagbucks, selling clothes on Poshmark which is hit or miss, and Achievemint (my introduction to it). Any purchases you make going through my Amazon links keep these blog lights on.

The long term goal is to replace our day job income before my health declines and prevents me from working.

***   ***   ***

Chase bonus money: Our checking account bonuses came in! +$500! And I FINALLY got our coupon for the mortgage rebate so that’s been submitted. Now I’m just impatiently waiting for my $150 from the savings account and $595 to come in.

Poshmark sale! Woot! I sold a nice wallet I have no use for. It was a lovely gift but I don’t tend to change wallets often, just the bags they go in, so after seven years of it sitting idle, it was time to part ways.

Cell phone credit: A short chat with T-Mobile about our terrible cell phone reception this month resulted in a $30 credit.

Yes, this is all small change in comparison to our home-related spending but I’ve always paid attention to my pennies AND dollars and it does all add up.

A raise for you, and a raise for me! PiC’s company and mine apparently put their heads together to let the first half of the year go out with a bang – we both got raises which was great news in light of our increased expenses. Best of all, mine was just enough to hit a Major Milestone in salary! This was HUGE. We celebrated with a high-five, two bags of rawhides for Seamus the Ever-patient Pup, and a $71 pair of sneakers to replace my 12 year old shoes that are absolutely killing my feet, knees, and hips.

Spending

Our normal spending includes the living expenses for two households so this update ignores those ordinary living expenses. When buying anything online, I always check Mr. Rebates and Ebates for cashback.

A hemorrhaging of money

Obviously we’re not trying to spend every penny we make between now and the time we sell our current residence, but the sheer amount of work that has to be done means we’re carrying the costs of two households for a few months. The spreadsheets have been worked double time to make sure we won’t get in debt but things are going to be TIGHT.

Slippery slope spending

Frustratingly, there’s also a sense of “just add it to the bill” cropping up with all the money that we’re already spending. I don’t especially want to battle that feeling as well, in order to keep other non-house spending in check! Send help! I need the new shoes, that I’ll concede. But I also feel like I “need” to send various people gifts for happy life events and that one’s hard to fight back without feeling like Scrooge.

Stupid tax

At the worst possible time, I overlooked the fact that we didn’t get our car registration renewals in the mail and the first I was reminded of it was when they sent the late notices with $142 in late fees at the end of May. ARGH. I spent 40 minutes at the DMV to plead my case and they reduced the late fees by half. I’m still grumpy but better than nothing.

#GivingCards and Charitable Giving

I don’t believe in tooting our horn for every donation we make. The point of giving isn’t to brag, it’s to help someone in need. The exception is when the cause is sound and could use help. I’m delighted to be taking part in the Rockstar Forums’ giving project where they send out a $20 gift card each month to forum participants who sign up.

June Giving Card! We were working a ton this month and were running errands like madpeople.

In the middle of that, I heard that a friend of a friend’s unreliable car had given out one more time and they weren’t sure how they were going to pay for the replacement. I remember being there. I remember being a little kid, sitting in the backseat, while my parents struggled to make ends meet, not knowing that we had to eke out another twenty thousand miles on that car because there just wasn’t enough extra room in the budget to save enough for a new-to-us old car that year, or the year after.

Our expenses are sky high right now so I couldn’t double it this month but I’ve got a line item in our budget for next year when things even out to send a bit of money to the Giving Card program next year.

Saving and investing

We max out a 401(k) and IRA every year. We normally save 20% of cash of our net salaries but that’s on hold while we get ourselves sorted out.

Rebuilding the emergency fund

The down payment depleted our liquid assets and they’ll stay depleted until we sell our current place. It’s going to take months before that happens. I’m not making any assumptions on the kind of … wait, no, I’m making LOTS of projections based on a range of possible sale prices that we might reasonably expect, but I’m not banking on any one of them as a certain outcome. The only thing I’m absolutely counting on is that the first thing this sale money goes to after paying our broker, and the loans, is to refill our emergency fund so I can sleep at night.

Links from this month

On Health

My steps this month: 102,367 steps or 46 miles.

Viral load. If I can go two (or even three!) monthly updates without having to mention a cold, or a flu, or both, I’d be EVER so grateful! This is not that day, though.

On Life

July is FULL FULL FULL. It’s the Month of San Diego Comic Con, of course, the whole month tends to revolve around that. We’ll take a day to see family and friends but mostly this is the Time of the Geek. YAY!

Wedding bells! We have a wedding to attend! The gift has been sent. Our accommodations are booked with points, thankfully saving our embattled pocketbook. We just have to pay for food and gas to drive to the Secret Location. Seamus can come with us, so we won’t have to pay for dogsitting. Now I just have to panic about what we’re all wearing. I don’t know how formal this thing is and it’s going to be the middle of summer in Hotter than Heck California. What on earth will be appropriate and not lead to a literal meltdown? Stay tuned!

:: How was your June? What do you have planned for July and the heat waves?

Read past monthly updates here!

July 5, 2017

The fun we had: Spring 2017

What I watched

Man to Man

A Netflix exclusive described as: “Disguised as a bodyguard, a special agent must complete his national secret tasks while pandering to the whims of his ill-tempered world star.”

I really didn’t know what it expect but in my flu-weakened state, I was willing to give almost anything diverting a try to distract from my aches, fever and chills, and swollen throat. The fact that it was entirely in Korean with subtitles was a bonus for once – it forced me to stop working and actually rest. It started out as a light silly comedic take on a spy story, the actors’ expressiveness, or lack thereof, tickling my funny bone every few minutes but the plot thickened and the characters started to develop surprisingly quickly. Quite quickly, actors I’d taken for one-turn guests had become characters with a bit of depth and interest.

It’s fascinating to see the peeks into Korean culture, both as its portrayed on the screen (chicken and beer!) and also in how the actors act. It’s so different from American acting in subtle ways. It plays to the ridiculous, it uses shades of overacting, and yet employs so much stillness to convey thoughts, reactions, and meaning. These may be unique to this particular Korean genre, rather than Korean acting, but it’s effective and I love watching it.

Kano

I’d never heard of this movie before, we happened across it totally randomly. A story set in the time when Taiwan was still occupied by the Japanese, it’s a baseball movie but also a redemption movie, and a love story, and an interesting perspective on the Japanese occupation where the war wasn’t the focus.

Rogue One

(Rogue One! Rogue One! Rogue One!)

I’m allowed to write about this now, right? I’ve got to be among the last people to see it.

In case you haven’t, and you care about spoilers, skip this review.

Rogue One evoked all KINDS of emotions – start to finish.

I got to know the Star Wars trilogy backwards – as a kid, I discovered it through the lens of the Stackpole X-wing novels, years after the original films. I remember the moment I took them off the shelf, in the back corner, second shelf from the bottom, sitting on the ground with my back up against the last shelf just exulting that my dinky little middle school library had these books in hardcover and read them over and over.

K-2SO is vying with BB8 as my favorite droid, colored by hearing Alan Tudyk’s voice, I adore cute but I also adore unfiltered truth and sarcasm.

The friendship between Chirrut and Baze, the connection between Jyn and the man who saved her, and then later abandoned her. The realization that her father, so long out of touch with her, had in fact always loved her and had truly fulfilled his promise that everything he did would be for her sake. There were some minor bits of confusion, namely the flashback scenes, and Jyn’s mother, and their escape plan.

What I Read

Barnaby Rudge: a tale of the Riots of ‘eighty, Charles Dickens

This was a great cure for my insomnia most nights. I have to read to get to sleep, this helps regardless of the countervailing effects of staring at a screen at night. Picking a Dickensian tale only further ensures that I’ll soon be nodding off. Which isn’t a great recommendation for the book, I realize. As an engaging presentation of large-scale mob violence, however, it did the job. Though it half put me to sleep part of the time, I also kept coming back to it to see how the story would play out.

The Life of Pi, Yann Martel

I thought everyone who saw this movie or read the book loved it. I was enthralled from beginning to the near-end, it was mostly well written and hard for me to put down. But. That’s because it was a terrible story and I was desperately trying to get to a decent ending. It darn sure guarantees you won’t get me out on a deep sea boat for at least ten years. It’ll take that long to get the bad taste out of my brain. The problem was that the last chapters were just depressing. I could get behind the fantastical plot while they were animals, though the orphaning was a horrible thing that kept hovering in the back of my mind.

The real / not real discussion truly  annoyed me as well, it felt like a novice writing device that happens in tv sometimes.  “And it was all a dream”, ugh.

Summary: I wish someone had told me it was not a story about a happy kid, and a happy tiger, being friends forever. I wish it’d occurred to me to ask someone what it was about and for all the spoilers.

World War 1 Soldier Stories: The Untold Soldier Stories on the Battlefields of WWI

This was so poorly written I couldn’t finish a single chapter. It felt like I was grading high school, maybe, essays on history – except my high school classmates were talented writers so maybe kick that down to junior high level.

I’m still sharing it because it counts and I really wanted to like it, but I just couldn’t.

Witches Abroad: A Novel of Discworld, Terry Pratchett

Granny Weatherwax vs fairy godmothers. I thought I’d read this one before but the ending was completely new to me so clearly my memory is hazy, one way or another. I can never get enough of Discworld, and always leave off with one book wanting more. Is there a good cheap way to fill out my meager collection?

Wives of War, Soraya Lane

A look at the World War II from the perspective of the many women who supported the war effort, nearly on the front lines in some cases, and how drastically it affected their lives. The writing was solid, and the characters’ stories were compelling enough to keep me reeled in for a long while.

Planned summer reading: As much Terry Pratchett as I can get my hands on and maybe a few biographies. I need funny to settle my brain at night, not drama, mystery, or anything with actual suspense.

What I ate

Life’s short, have dessert first! Brownie bites. These were so good that I made them twice – unheard of! And I didn’t share even one with JuggerBaby. It was for zir own good, really. If I had given JB a brownie, then would have wanted milk, then another brownie, and another one. And then we’d be forced to watch zir turn into a monster like a Gremlin fed after midnight. It was for the good of all humankind that I didn’t share.

Slow cooker + garlic + pork = perfection! This recipe feeds our family of three (humans-only in this calculation) for about a week: tacos, burritos, served with rice and veggies, in pasta, etc. I like it so much I’m recommending it again! The base protein on sale only cost $7, so I’m calling it an excellent deal.

:: Do you have any favorite easy recipes to share? Do you have any funny book recommendations? 

June 5, 2017

Net Worth & Life Report: May 2017

Money and Life Report: May 2017

On Money

Income

Our normal income comes from two full time day jobs.

We experiment with earning money on the side, including minimal cash flow that we don’t touch from an investment property and investing in dividend stocks.

Some side income comes from Swagbucks, selling clothes on Poshmark which is hit or miss, and Achievemint (my introduction to it). Any purchases you make going through my Amazon links keep these blog lights on.

The long term goal is to replace our day job income before my health declines and prevents me from working.

***   ***   ***

Rental income

The rental has been pretty quiet and that’s exactly how I like it. I was only breaking even for the past two years.

I had been waiting to change property managers for mid-year so that my reserves would be healthy enough that the $150 change fee wouldn’t be a problem.

With an increase in the rent, and a lull in repairs, that should be ok to do any time now, plus – bonus – I’ve now got a wee nest egg for rental related emergencies. I’ll need to price out a new roof and water heater to set a baseline for that emergency fund. Around $12,000 would be a good number and that’s going to many months of rent before we have it.

Spending

Our normal spending includes the living expenses for two households so this update ignores those ordinary living expenses. When buying anything online, I always check Mr. Rebates and Ebates for cashback.

***   ***   ***

Half of Christmas shopping done!

Stacking bonuses FTW! Take a $50 off $100 purchase GapCash, add $50 in discounted gift cards, plus a summer sale. Result: I paid $60 for a full stash of Christmas gifts for all four kids. An average of $15 per kid, and 1-2 outfits per kid, is pretty good when bought new. That’s more than I’d pay for JuggerBaby who lives almost entirely in hand me downs but I don’t feel right giving out cheapish used clothing as a Christmas gift for some reason.

Earnest deposit deposited

Once your offer is accepted, it’s time to bid bye-bye to your money. Time to write a check with five figures, bye-bye 3% earnest deposit. Yay….

Down payment prep

I’ve held a lot more money in cash than seemed rational over the past few years. Though there was no concrete reason to suspect we’d need to access it quickly, my instinct told me to hang onto it even after firmly resolving that it was being moved into stocks last year. Originally I chalked it up to election jitters but now I see it was a good call, gut.

It’s time to break the piggy bank which is just as painful electronically as it was when I had to pull the plug on my real porcelain piggy bank. Breaking CDs, transferring funds, and preparing to send a truckload of money via wire transfer – that all leaves me on edge.

Saving and investing

We max out a 401(k) and IRA every year and save 20% of cash of our net salaries.

***   ***   ***

Fundrise!

Now that we’re committed to a contract, I REALLY can’t spend our money on investments, but I’m still doing my research. I’m really hoping that my preferred fund options at Fundrise stay open until we have cash again. My original plan was to add a rental property to our holdings every two years but the deals haven’t been good enough to justify buying. This is a good alternate for the real estate side of our portfolio.

Balancing the portfolio

I’ve finally organized my current stock portfolio by the type of industry so that it’s going to be more balanced. Who knew that I owned too many companies of the “Cyclical Consumer Goods & Services” variety? I tend to go with buying what I know and love as a consumer, that’s why that happened.

Going forward, I may be adding a favorite airline or some energy stocks. What companies do you love?

Adios, TradeKing, hello, Ally

My portfolio at TradeKing was transferred to Ally this month and I’m rather enjoying having it in the same place as our long term savings.  The transition was seamless for me, so I’m feeling charitable about the changes so far and they should still have cheap trades, but we’ll see how I like it goin forward. I do wish this meant that I could transfer money in and out instantly like any other Ally between-accounts transfer.

Links from this month

On Health

My steps this month: 106,276, 48 miles

All hail Alka-Seltzer Plus Severe Cough, Mucus and Congestion!

I normally take all generic medications but the tail end of April left me with the worst sore throat, congestion, and hacking cough. And me with my humidifier packed away out of reach. Nothing was helping, until Crystal showed up and picked out this packet of savior pills. Within half a day I was starting to feel human again, and in two days, I was 80% back to normal. Just magical. I’ll be looking for these on sale ASAP.

On Life

Stress monster rampages

All the house stuff is making me a bit batty. So much paperwork, so much back and forth with the lender, so much time. It only gets worse from here so I’m taking so many deep yoga breaths before I spontaneously combust.

Mother’s Day

It wasn’t terrible this year. At least I didn’t feel terrible and grief stricken and empty like I have every year before. I’m still not up to spending it in the company of people who still have their moms, but alone (with my little family) was good.

PiC ran out extra early to get me my two favorite donuts and an adorable tiny potted plant which hasn’t died yet. After I slept in a little, we had a doggy play date during which we walked way too much and I was exhausted afterward. But it was satisfying in that small warm way when you do just the things that make you happy and nothing else.

Sugar high

As a general rule, I don’t buy pastry treats for myself anymore. Not because I’m a virtuous eater, though. Quite the opposite. I don’t buy them because once I start, I can’t stop. The bakery across the street is so good it had me craving their pastries like an actual addict, plotting how to get my next fix and hiding the evidence so PiC and JuggerBaby wouldn’t know I’d been indulging. That’s a totally unnecessary deception, except it avoids having to share so it was time to cut back. I hate to admit I’ve got a problem but this was A Problem.

As a special treat after a particularly hard day of house stuff, PiC picked up a small box of goodies for me, not thinking about the double batch of brownies I’d made three days earlier. This was also right before Mother’s Day so we had sugary treats coming out of our ears for a couple of weeks. I’m still detoxing.

The world is disappointing

Or should I say our government representatives are disappointing? Because that’s what I mean. I wonder how anyone, and especially small business PF bloggers, without a massive safety net will manage if this AHCA bill becomes law – what I’ve read of it manages to put anyone with a preexisting condition at risk of losing access to health care one way or another.

The CBO report confirmed the worries that this is going to put many of my chronic illness entrepreneur friends in a horrible position where none of their medications that they need to live are affordable. Heck, some of the provisions may adversely affect those of us who have employer insurance. I shudder to think we couldn’t, as a nation, go five minutes of helping the vulnerable among us before ripping that support away.

:: How was your May? Do you plan or purchase any Christmas gifts throughout the year?

Read past monthly updates here!

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