September 7, 2020

Money & Life Report: August 2020

If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?

Current total: Lakota, $1,732.74; Rural libraries, $321.62.


Net worth and life update: Image of nest with 5 blue blackbird eggs.

On Money

Income

Our primary income comes from our full time jobs. We have minimal income from an investment property (which is all saved for maintenance) and investing in dividend stocks (all reinvested). We earn money on the side to supplement our main incomes. We get a bit of income from Swagbucks and cash back sites (Ebates, Mr. Rebates). Some posts have affiliate links that pay a micro-commission to keep the blog running and I’ve added a way to support the blog in the sidebar to the right!

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 $739.94 in dividends in August.

Claiming Funds. I spent quite a bit of time this month following up on cash back and money owed to us:

  • It took all month to get Achievement to pay up. I don’t know what’s going on with them but it’s really frustrating that their responsiveness has been so terrible. I’m on the verge of dropping them completely.
  • I had to submit claims to Mr. Rebates since the tracking on some of my purchases failed to register. Their customer service is great, though of course they are limited in what they can do during a pandemic with the stores.
  • I’m still trying to get our FSA to release our dependent care funds.
  • I finally joined ibotta and started inputting some receipts for their Any Brand credits. We don’t do much specific brand name shopping but I figured why not get money back for the shopping we already do? It’s tiny but I’m happy to take what I can get if we’re already spending – it just takes 20 seconds a piece. I could string those small 20-second bits of time into some side hustle if I were determined but frankly, I’m not prepared to take on any real commitment anyway so this isn’t a diversion that’s taking away from a grander purpose. It’s just spare change.
  • I finally had enough Swagbucks banked to redeem a $25 Visa gift card a couple months ago. They are 13% off which is 1 whole percent more than the standard monthly 12% discounted redemption discount, soI’d been saving them to coincide with a Birthday Swag-up. The $25 cost 2120 Swagbucks instead of 2175 (or the 2200 for a standard discounted redemption). I haven’t redeemed one for several months so this was nice.

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September 4, 2020

Good Thing Friday (81)

If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?

Current total: Lakota, $1,732.74; Rural libraries, $321.62.


1. I just remembered to inch up our twice-monthly savings rate a little bit.

2. I’m really enjoying PiC’s version of the gluten free turkey and cheese burgers he’s been making for us on Friday nights.

3. We had a brief outdoors masked and distanced no hugging meet up with a couple friends we haven’t talked to for months. It was maybe about ten minutes but it was a nice tiny visit. I can handle socializing in those small increments.

4. I made the mistake of saying that I was a bit more relaxed this week because a lot of the balls I’m juggling are in other people’s hands and that felt like I invited some chaos but I think honestly it’s just the normal ebb and flow of stress, isn’t it? I found myself somewhere on the spectrum of mildly to moderately annoyed without spiraling into anxiety and grouchiness over the bad turns and was able to enjoy that minor moment of peace without spoiling it with looking for something to fuss about. That’s a new thing for me. Brain therapy is good!

Challenges this week: I don’t typically pay attention to celebrity news but the passing of Chadwick Boseman was shattering.

Minor frustration: we’ve only had two pieces of mail go missing in the past several years and both times, it was a check. Both times, they made it as far as being scanned and in our Informed Delivery email but never made it to us. The mail from the IRS telling us we owe them over $5000 found us, though! I guess given the interest they’d charge if we didn’t get that mail, we’re better off getting theirs than not. We’re both still juggling a TON of extra logistics because we’re trying to make time to help a friend and get some home maintenance on the road.

5. We had to make some decisions about furniture this month and we got through all of them without any conflict! We usually have such different tastes and desires and needs that I’m usually at least a little disgruntled by how much time we’ve spent on it but two things made a difference: having a timeline helped force focus and narrowed our choices. And our strategy of having me tell him what my priorities are, him going off shopping and giving me links to look at, and then narrowing it down together is working smoothly these days.

:: How was your week?

September 3, 2020

Just a little (link) love: RIP Chadwick Boseman edition

If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?

Current total: Lakota, $1,732.74; Rural libraries, $321.62.


Just a little link love

An interview with Chadwick Boseman.

Ryan Coogler Pays Emotional Tribute to Chadwick Boseman: ”What an Incredible Mark He’s Left for Us’

Other things this week:

I recently found out that a friend had Covid and I didn’t know when she was down with is so she shared her blog post. Btw, this is one reason we get along so well: “I work from home. I don’t even want a job if I can’t do it from home. I hate going in the office, I hate the politics involved, but most of all I hate daily socializing with people I’ve already met and yes judged. I already know I’m going to dislike many of the people there because if you’ve worked a lot of jobs like me you can spot the types.”

I appreciate Cloud doing all the heavy lifting on the activism suggestions and links last week.

RIP Chadwick Boseman

August 31, 2020

Living in the time of pandemic: COVID-19 (14)

If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?

Current total: Lakota, $1,732.74; Rural libraries, $321.62.


Weeks 23 and 24 of COVID in the Bay Area.

Week 23, Day 157: JB was really excited for their first day of school. I am really hoping things shift but it bothers me greatly that their teacher keeps harping on how she wants to see them back in the classroom “soon.” It makes me think that the teacher isn’t taking this seriously enough and that she’s getting their hopes up which is rather cruel when we have no idea what’s around the corner. These kids have been through five months of COVID and it feels like she’s dangling bait in front of them with this “soon” commentary. I hope she stops.

I don’t know if this was a happiness hangover thanks to the weekend but despite the numerous challenges of the day, and the Mondayness of the day, I didn’t spend my day infuriated and frustrated as usual.

We had lots of fun on the weekend one day and I spent the other day getting almost my entire to do list done. I finished up all but two items off the remaining list today and caught up on my work backlog.

Things are still grim with various fronts but for the first time in months, a Monday didn’t feel like the Absolute Worst. I’m very grateful.

Week 23, Day 158: Day 2. Oh. My patience from yesterday ran out. Darn! (more…)

August 28, 2020

Good Thing Friday (80)

If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?

Current total: Lakota, $1,732.74; Rural libraries, $321.62.


1. Every time I start to think our little $3 hydroponic basil plant is giving up, it stages a comeback! It’s put out several new lovely green stems fluffy with leaves. The odd thing is that these are sprouting out of the very brown stems that are connected to the roots. It’s a strange look but it’s fresh and smells great.

2. Our Lakota balance is creeping up again to nearly $100 between monthly contributions from giving friends and my last infusion. We should be able to help another family soon!

3. LOTS of friends on this list of Plutus Finalists, yay friends!

Challenges this week: Yet another friend has lost their beloved family pet. That’s three friends in as many weeks. My heart breaks for them.

Because I don’t seem to actually understand the meaning of “pace yourself” I am now: working on selling the rental, working on refinancing our primary home, figuring out if we can shift some big items to someone who needs it more, on top of the usual work – managing remote schooling – parenting – dogparenting/dogcare – grind.  Deep breath.  

The world is … too much. We are awash with Covid, wildfires are everywhere so people and homes are in danger, the air quality is horrible so it’s not safe to take JB out for long isolated walks and hikes and bike rides.

4. We borrowed a hot spot from the school and picked it up just in time so we would have it in time for the second week of school. This is good, we will have three people using the internet at the same time this coming week and I didn’t have confidence in even our upgraded internet to be stable under the heavy usage.

5. PiC and I finally had a meeting of the minds and selected some kid specific organizing aids. Finally!! It’ll come in stages so I started with the small stuff I could manage right away while we wait for the larger basket set to arrive. The key here is to teach JB to independently follow the organizers.

6. A completely satisfying weekend day: breakfast, cleared some household work, JB had a call to hang out with Auntie then I hopped on a call to discuss some supplemental enrichment and organizing plans. We had lunch, walked the dogs, went to pick up supplies and return the second case of the absolutely terrible strawberry mango sparkling water at Target. We also bought a refill on hand sanitizer because we couldn’t find it anywhere else for delivery. How ironic it is that to protect ourselves against Covid we had to go in a crowded store and search for AGES to find it? Everyone was masked, thankfully, but it was unpleasantly packed in there. Still we got what we needed and got out, then I got to work with the printer and tape to customize our personal bottles while JB had their rest time. After which point PiC and I crashed so we abandoned our child, him to nap and me to lay down and they did just fine for an hour doing scratch art and drawing and painting. A whole hour without more than marginally bothering me! We had dinner and crashed out. There were hiccups, there always are, but we made it over the finish and I felt both semi rested and like I’d gotten a lot done.

7. JB is coping really well with online learning, all things considered.

:: How was your week? What meals do you like to make ahead, if any?

August 27, 2020

Just a little (link) love: Bongo cat in space edition

If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?

Current total: Lakota, $1,732.74; Rural libraries, $321.62.


Just a little link love

I asked my friend in Iowa where we could donate to help the folks in Iowa who were devastated by the derecho. They recommended Feed Iowa First and Eastern Iowa Diaper Bank, among others.

So much of California is on fire

Time to Stop Normalizing the Personal Finance Unicorns

Late-Night Chitlins with Momma

There is racism even in our nurseries and Black children like mine are suffering

This piece on not requiring students to be on camera struck a nerve with me.

‘I Have Stage Four Cancer, But I Will Not Live Like I’m Dying.’ I can’t help but think that JB’s morbid streak comes from me because when I read articles like this, I think harder about all the ways I have to figure out how to replace all the things that I do in our family should I be out of the picture. But that’s a rather transparently desperate attempt to impose control over something you can’t control. I couldn’t replace PiC with systems and preparation if our roles were reversed. Not by a long shot.

DO YOU KNOW HOW TO READ TACOS? STEVEN ALVAREZ DOES

I enjoy manga and anime and Cooking Papa sounds like a fun one.

Twitter thread: A small publisher on profit margins

These wildlife photography encounters always make me laugh. I can’t pick a favorite.

Bongo Cat in Space

August 24, 2020

Living in the time of pandemic: COVID-19 (13)

If you’d like to join me in helping Lakota families and/or rural libraries this year, please read this post. Over 6 weeks in 2019, we raised $2669.94 for the Lakota families, touching 27 lives. What can we do in 2020?

Current total: Lakota, $1,732.74; Rural libraries, $321.62.


Weeks 21 and 22 of COVID in the Bay Area.

Week 21, Day 143: Is there a Monday in which I don’t complain about the Mondayness? This was not one of those.

It actually has Friday to blame. This week was like we started with a technology hangover from the previous week: my phone didn’t work, which meant that my primary form of communication with the outside world was disrupted, as was the ability to manage JB’s lessons. I had to spend yet another two hours trying to fix tech that wouldn’t work, and that’s before getting to my actual FT work. Since I had to factory reset the phone, everything I have set up to make the days work more smoothly and makes the most of every minute was gone and it was like grit in my eyes irritating.

Also my downloading during my work day refused to save to the right folder, it kept going to some random folder with 12,000 other files. Awesome. That required another 20 minutes to solve.

So. Much. Grit. In. My. Day.

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