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February 5, 2018

Money & Life Report: January 2018

Money & Life Report: January 2018

On Money

Income: holding steady

Our regular 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.

Our side income comes from Swagbucks, selling clothes on Poshmark which is hit or miss, using cash back sites like Ebates, Mr.Rebates, and tracking activity through Achievement (my introduction to it).

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

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February 1, 2018

Just a little (link) love: emu + dog edition

This teacher’s method for identifying the bullies / targets in her classroom is really quite clever and thoughtful.

I don’t usually love list posts but I love mail so the 21 things you can mail was a bit of fun.

Should I say yes more often as a parent? I dunno, I try for a reasonable balance. We allow small snacks before dinner though if you kept saying yes, JB would have two dinners and four desserts before the real dinner so the madness has to stop somewhere.

dogs only, sorry

A transcript on how generosity in business pays off. It’s a good read but this made me laugh: “The more you can pour into making it a gift about them… Think about going to a wedding. You’d never engrave something with “Compliments of John Ruhlin” or “Compliments of Giftology.” It would be the cheesiest thing on the planet.” An incredibly tacky cousin stapled her business card to some cash for our wedding present. We’ve got some weird relatives.

This made me nod, this is exactly how we approach marriage and parenting which is why our partnership works. We don’t count how many times we’ve done something, we look at what our partner’s been carrying and try to alleviate their burden:

So often in marriage we’re thinking about our own needs and what we want and what’s fair, and that’s natural. That’s really human, but good marriages come from two people thinking about how they can serve one another and really approaching marriage from a place of generosity. That gets really practical. It comes down to the division of household chores.

Instead of thinking primarily about equity and fairness, in a great marriage where both people are being generous you’re just looking for opportunities to help one another. It’s true of parenting too. Like, who’s going to put the kids to bed? Who’s going to get them ready for school or church? Who’s going to take them to practice? All those kinds of things. The endless driving. Hello. The endless driving. I’m so in that season right now.

And then I REALLY liked this idea: “One of the things he said to me is the easiest, fastest way to get money to the people who need it the most… Don’t send it to Washington and let them skim off a big administrative charge. Instead, just give all of it to the people who need it the most.

HEY EMU! HEY DOG!

January 24, 2018

FIRE vs everything else?

FIRE and/or everything else: how do we decide what to pick? I’ve been battling back some seriously expensive impulses lately. It’s been months of being grumpy because my rational side knows it’s right. It’s not the right time or it’s not in the budget for us, given our financial goals.

My irrational sliver of self continues to whisper and it’s frustrating the snickets out of me. It continues to say, “yes, but ….” HUSH, YOU.

I make pragmatic decisions every single day, regardless of what I wished or hoped or wanted. It’s easy because my first priority is to be efficient and effective. So why won’t my whole self settle down?

This is my attempt to work out what the problem is.

It’s relatively easy to say that we will go to Japan for a three week food fest or Australia and New Zealand to hike for a month someday but not this year because I don’t want to leave Seamus that long. I’m still traumatized. Those are my castles in the sky. I know the kind of money we’ll need to have ready to spend, and we are not ready to spend 5 stacks of money on a vacation between dogsitting (3 weeks away would cost at least $1000!), airfare for three, lodgings, food, and so on. Time off isn’t easy to come by right now, either, but that’s neither here nor there without the money piece settled.

I’m fine with giving up some things now so that we can have financial freedom later when it’s going to be critical for my health to have that freedom – we moderate eating out and travel, for example. We don’t stop them, we just don’t do it every week. But some thoughts keep chugging around my brain like they’re stuck on a toy train track, refusing to accept the pragmatic “No.”

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January 8, 2018

2018: New year, new plans

I broke this out of my 2017 year end review because it was too unwieldy. Besides, fresh new goals deserve their own post. Correction – some are goals, some are just habits to build.

At first, I thought my trouble setting goals this year was because I don’t know exactly what I want next for our family and that makes it hard to plan for the next 1-3 years. That’s true. But there’s another aspect to it. I’m instinctively doing something sensible.

Being laser focused on one thing, wealth building, is a good Right Now habit. It’s that habit that gets me to the goal. But it doesn’t prepare me for achieving success in the big picture. Like coming into money when you’ve not had any before and haven’t had time to build good money management habits retirement, whenever it happens, is a huge transition.

On the micro scale, obsessing about money when you’re making it is easy, replacing that obsession when you’re retired and only spending or managing it is likely much harder. On the macro scale, I’m starting to envision the person I want to be in ten years. I want to be someone who has the time and energy to go on adventures, someone who explores the world a bit and then comes back to her books and little gardens at home, who doesn’t have to work for income and can relax with her family at home most days and entertain herself doing volunteer work. I want my family to have the best shot at education and opportunities they can handle, and the confidence and support to go for them.

To become that person, I’ve got to start working on improving our health and fitness (for PiC and me anyway, we’re Old), improving our finances, researching soil pH and garden planning.

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December 20, 2017

My kid and notes from Year 2.9

My kid in Year 2.9

Tantrum CITY

We have had the best and worst month. We did lots of fun things together, and they were legitimately fun. But they were also punctuated by some of the worst tantrums I have ever seen. You know us, we’re not going to let zir get away with that. There were quite a few times ze pulled a Bratty Chihuahua and sat down in the middle of the street, so I’d toss zir over my shoulder like a sack of potatoes and haul that hollering sack home.

The worst of this is knowing that kids pull the boneless act even when they’re much older. This has to stop!

Last year, I chalked these tantrums up to brain leaps, they were temporary but usually preceded some serious mental growth spurt. This year, I don’t know what it’s all about. Maybe this is preceding a parenting growth spurt because I have had to cultivate so much patience. (more…)

November 23, 2017

Just a little (link) love: how we are defined edition

Opera is a mystery to me but this article on the highest notes sung at the Met was still fascinating. I’d like to see an opera just to experience it but I wonder what I should bone up on to be able to follow it.

How many more players have to die of or suffer from CTE before this country stops worshiping football, I wonder.

Educators who don’t think they have a professional and moral obligation not to pursue their students as dating material make me sick and should be fired. It’s appalling full stop.

This spoiler free movie review of Thor:Ragnorak is beautiful and now I want to see it.

As someone who views the ocean with a whole lot of suspicion, this perspective on expected sea level rises makes me want to sell and move to the middle of the country.

This is an oldie but goodie from Bitches Get Riches on the Subjectivity of Wealth.

Lobstering in Maine, a legacy and identity

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November 13, 2017

How and why I’m cutting off my father

Reeling from discoveries: redefining my filial responsibilitiesI thought I was rocked back on my heels before.

I had a painful and necessary conversation with a friend last weekend. It was about feelings, which I mostly hate, money, which I love, and family, which I am 100% conflicted about. The conversation itself was tough but what followed was far worse than anything anticipated.

I supported my parents more than half my life because I genuinely believed my parents loved me and I wanted to help them. Turns out, Mom loved me, but Dad? He skated on the strength of her love and sacrifice which was so strong he could mimic both just from the reflected glow.

My theory is that, for Dad, love only mattered so long as my path mirrored his. When I was a dependent child, and when I was an adult covering his expenses, my interests were aligned with his. Mostly. He was never willing to put aside his own pride, and sense of self entitlement, for my sake, though. He may love me but much less than his perceived needs.

In hindsight, it feels like I should have seen the signs earlier. (more…)

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