August 2, 2022
On Money
Income
Our primary income comes from our full time jobs. We have minimal income from investing in index funds and dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks, cash back sites (Rakuten, Mr.Rebates) and affiliate links to Bookshop and Amazon sometimes pay a micro-commission to keep the blog running. There are ways to support the blog and our charitable giving in the sidebar.
Our long term goal is to replace our day job income with passive income before my health prevents me from working. I know from my Mom’s experience that qualifying for or relying on disability is incredibly tough or near impossible here in CA. Aside from that, I aim to do my best to make the most of what we can do while we can.
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Dividend income. We received $214 in dividends from the stocks portfolio. All reinvested.
*****
PiC’s company did a compensation evaluation and decided they were underpaying large swaths of employees and bumped up their salaries. Turns out he was one of them. Bummer that he’s been underpaid for the past who knows how long but yay for the out of cycle increase now.
I wasn’t surprised he’s been underpaid. He changed jobs in the middle of the pandemic and there’s been a lot going on with layoffs and suchlike. Despite being married to me, he’s never been in a situation where negotiating his salary was possible versus my consistent and persistent self advocacy for raises and promotions through the years. There’s an irony in that I’ve very actively grown my career at every step and I still don’t make as much as he does. I’ve been in a quiet competition all these years trying to beat his salary.
Anyway, I’m glad the dust has settled enough that they’re bringing people up to standard. As usual, I’ll take this opportunity to bump up our savings rate a bit to assuage my guilt over our spending.
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July 5, 2022
On Money
Income
Our primary income comes from our full time jobs. We have minimal income from investing in index funds and dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks, cash back sites (Rakuten, Mr.Rebates) and affiliate links to Bookshop and Amazon sometimes pay a micro-commission to keep the blog running. There are ways to support the blog and our charitable giving in the sidebar.
Our long term goal is to replace our day job income with passive income before my health prevents me from working. I know from my Mom’s experience that qualifying for or relying on disability is incredibly tough or near impossible here in CA. Aside from that, I aim to do my best to make the most of what we can do while we can.
***
Dividend income. We received $270 in dividends from the stocks portfolio.
We recycled 5 ink cartridges to earn $10 in Staples rewards. That brings our rewards total to $30.70. That $0.70 is just going to keep on rolling over for a while since we don’t buy a lot from Staples regularly. I wonder if they will expire after 6 months… Ah ha: “Unissued Rewards will expire at the end of the following calendar quarter, unless a qualifying purchase is made.” I suppose I can just keep them alive with a periodic purchase if I actually need something. Otherwise those rewards under $5 will just expire. JB is obsessed with Staples now, btw. PiC took them to run errands for me and they’re obsessed with ALL THE OFFICE SUPPLIES 🤩😍🤩 Just like me. We are absolute suckers.
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June 14, 2022
On Money
Income
Our primary income comes from our full time jobs. We have minimal income from investing in index funds and dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks, cash back sites (Rakuten, Mr.Rebates) and affiliate links to Bookshop and Amazon sometimes pay a micro-commission to keep the blog running. There are ways to support the blog and our charitable giving in the sidebar.
Our long term goal is to replace our day job income with passive income before my health prevents me from working. I know from my Mom’s experience that qualifying for or relying on disability is incredibly tough or near impossible here in CA. Aside from that, I aim to do my best to make the most of what we can do while we can.
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Dividend income. We received $904.36 in dividends from the stocks portfolio.
- PiC sold a big set of hand me down stroller accessories in a big bundle for $140. Cha-ching! Love freeing up space and putting away cash (the equivalent of which is already long spent).
- Closing a fallow checking account brought home a $100 check.
- Ibotta: $0.10 for a total of $0.30 this month! One more dollar to go before I can cash out.
- Bing: I’m over the 32500 point redemption threshold! I may have to redeem to replenish our Target gift cards because we’re nearly out. We use it for diapers, wipes, and other household essentials when we’re not spending it on our Lakota families.
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May 3, 2022
On Money
Income
Our primary income comes from our full time jobs. We have minimal income from investing in index funds and dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks, cash back sites (Rakuten, Mr.Rebates) and affiliate links to Bookshop and Amazon sometimes pay a micro-commission to keep the blog running. There are ways to support the blog and our charitable giving in the sidebar.
Our long term goal is to replace our day job income with passive income before my health prevents me from working. I know from my Mom’s experience that qualifying for or relying on disability is incredibly tough or near impossible here in CA. Aside from that, I aim to do my best to make the most of what we can do while we can.
***
Dividend income. We received $284.46 in dividends from the stocks portfolio. All reinvested, of course.
Little gripe: I’ve been trying to hit the $20 cash out threshold at Ibotta for months and months. I’m determined to get that last bit of the way there before I close my account. Just another $1.30 to go!
Both federal and state refunds landed already from our 2021 filing. Also, one more tax amendment refund came in as well. Everything went straight to our savings. I joked PiC could have $35 of the amendment refund since they calculated a slightly higher amount than we submitted for but ha ha just kidding he can have it when we retire. That leaves me waiting for two federal and one state refund. Naturally the biggest refund has been on hold for the longest time for evaluation. Ugh.
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April 5, 2022
On Money
Income
Our primary income comes from our full time jobs. We have minimal income from investing in index funds and dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks, cash back sites (Rakuten, Mr.Rebates) and affiliate links to Bookshop and Amazon sometimes pay a micro-commission to keep the blog running. There are ways to support the blog and our charitable giving in the sidebar.
Our long term goal is to replace our day job income with passive income before my health prevents me from working. I know from my Mom’s experience that qualifying for or relying on disability is incredibly tough or near impossible here in CA. Aside from that, I aim to do my best to make the most of what we can do while we can.
***
Dividend income. We received $270 in dividends from the stocks portfolio. Our YTD monthly average is $188. Not nothing, but also not self sustaining.
Tax refunds. We had a series of mistakes in my accountant missing our cost basis on some stock sales going back to 2017 which inflated our taxable income. We’ve been correcting that for the past 18 or so months and the refunds have been slowly trickling in. We have received $1300, two more filings worth $3000 and I’m still waiting for the big kahuna to be processed for a whopping $5200. All of those will likely go right back to paying the tax bill due this year or next depending on when they’re filed and paid. Probably next year since the IRS is s-l-o-w.
We’re going to be fined for all the Form 8608 that she missed too.
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March 1, 2022
On Money
Income
Our primary income comes from our full time jobs. We have minimal income from investing in index funds and dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks, cash back sites (Rakuten, Mr.Rebates) and affiliate links to Bookshop and Amazon sometimes pay a micro-commission to keep the blog running. There are ways to support the blog and our charitable giving in the sidebar.
Our long term goal is to replace our day job income with passive income before my health prevents me from working. I know from my Mom’s experience that qualifying for or relying on disability is incredibly tough or near impossible here in CA. Aside from that, I aim to do my best to make the most of what we can do while we can.
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Dividend income. We received $911.31 in dividends from the stocks portfolio. February is always a big month for dividends and they’re always reinvested. Eventually this nest egg will grow enough to cover more than one month of our expenses, per year.
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February 8, 2022
Feelings
As I was gently tickling a crying Smol, checking them for anything that was poking them or otherwise making them physically uncomfortable, JB scolded me: Mom, they’re sad. Don’t try to cheer them up if they’re sad!
This came from a conversation we had about how it’s ok for people to be sad and they don’t need to be jollied out of it. They just need to be allowed to have their moment of sadness and to let it pass in their own time. I had to explain that there’s a difference between having sad feelings, which are fine, and being sad because something physically doesn’t feel good that can be fixed. For babies, we’re responsible for figuring out the latter, but as they get older, we’ll be responsible for recognizing the former.
*****
JB was instructed to put away laundry and of course, even with the motivation of opening reserved gifts if they finished the entire chore instead of just the half they were assigned at first (it should go without saying that it should be without whining), they were FULL of dramatics. They don’t specifically whine about the task because they know they can’t get away with that. So instead they dramatically exclaim over and over when they do something asinine like overload one side of the laundry basket and it pitches over. Six. Times. Six freaking times. Six times we hear the basket tip over and a loud exclamation. I can’t say how utterly grating it is to hear them being extra dramatic as an equally irritating alternative to whining. And then we lose it and they lose their incentive and then it’s all tears and grouchiness and arghhhhh. I can see why some parents don’t bother to have their kids take on responsibility. It’s a right pain in the caboose. But we’re not going to give up just because this is like nails on a chalkboard. We endure. In bad moods, but we endure.
Life with Smol Acrobat
We are DONE WITH FORMULA. I have shaken my last bottle of formula for this baby! *Snoopy dance*
I have been so ready to be done with making up formula bottles. The mess, the “finish in one hour after starting” calculations, the waste when Smol decided after a taste that they weren’t hungry after all and refused to be hungry until one hour and five minutes after contaminating that first bottle we can’t use anymore.
We’ve been offering all kinds of solids since they were 6 months and they’re just now making the mental shift of preferring to fill up on solids rather than milk. Some days they still don’t want food, though.
Here’s a weird thing: they like cold food and warm milk. Can’t reverse them. It’s so strange. Feed them a bite of warm bread and they grimace like it’s bitter. Give them a bottle of cold milk and it’s BRAIN FREEZE CITY. But cold food straight from the fridge? Divine. Warm milk? Perfection.
We’re working on it. They’re slowly loosening their grip on these convictions. Our next thing is to convince them that milk IS permitted in non bottle containers. Like sippy cups. Their firm belief is that that sippy cups are only for water. They’re happy with any sippy but it MUST contain water.
Speaking of food progress, I keep forgetting that Smol has Rules. Any new food to be introduced must be the TINIEST of bites. They’re more willing to try new foods now but the first bite must always be nearly microscopic so they can check for poison. Large bites are accepted and then immediately dribbled down their front in the most disgusting possible way to teach this lesson.
Also, some foods must be hand fed, some spoon fed, others fork fed, some self fed and you have to figure out which is which purely by process of food being ejected with varying levels of force.
P.S. You’re going straight to hell if you’re using chopsticks for yourself but not for them.
Mealtimes are Such Fun! 🤯
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Baby milestones: They have started trying to walk in earnest. It’s very exciting! I’m not ready for a toddler!
We’ve also entered a phase I tend to enjoy for its predictability: the unpacking baby. My babies, maybe most do? I have insufficient data for this, tend to have a period whereby all containers that contain things must stop containing things. Laundry in a basket must become the laundry out of a basket. Diapers in a bag must be diapers strewn across the floor. A nearly packed diaper bag must become a completely empty diaper bag. It’s easy to keep them busy at this stage. I’m never concerned by the sound of their shaking a ziplock bag, I know what they’re up to but they don’t yet have the dexterity to open sealed bags.
Segue to another thing they enjoy:
They’ve spent months trying to steal Sera’s kibble out of her bowl, never succeeding because we’d always pull them away in time. Sera, it must be noted, would probably let them take the food out of their bowl while she ate. Her only reaction to a baby sneaking up on her food bowl is to move over to make space.
Unbeknownst to me, Smol had discovered the jackpot of an unsealed dog food bag and went to town. I’d dismissively handwaved their location: they’re fine, they’re just playing with Sera’s food bag.
PiC, attentive father that he is, went to check anyway and discovered them with two hands, and a mouth, full of kibble. “Oh. They’re just eating dog food.”
Oh. Oh indeed.
Pupdate
Sera continues to demonstrate hitherto unthought of levels of patience for Smol’s overenthusiastic love pats. They really like petting Sera, but they also pet Sera like a heavy metal drummer.
They do pet all of us that way, but Sera should be the most confused about it. She will walk away if she’s not in the mood, which I am most grateful for, but she’s usually just very patient about it.
Precious Moments
JB: What do you call 2 bananas?
PiC: A pear of bananas?
JB: no! Two slippers!
Us: What? I don’t get it.
JB: It’s just a joke!
*****
The (would-be) traveler’s lament
JB: I wish travel was easier.
Me: Me too.
JB: Why can’t we teleport?
Me: Boy I wish I had the answer to that question.
*****
Are they, though? (Possessiveness)
Me to Smol: Hello, my potato.
JB: Hah, you’re calling them your potato when they’re actually my potato?
Also…
JB to Smol: You’re so cute, you’re so cute, I love you, my dinosaur!