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Archive for April, 2014

Part Time Job Update

May 1st, 2014 at 12:22 am

So, Tuesday evening I started my part time job. You may recall I was hired at $10.00 per hour as a handyman for an elderly MD in a neighboring town. The MD is a kind man who is rather eccentric and scatterbrained. One of those individuals who "is so smart, he's a knucklehead" type of person.....lol.

Well, he has been renovating his deceased mothers house for about....ummmmm....100 years and a portion of the attic is ready for some final dry wall work and painting. I applied a second coat of "mud" to some drywall work that was started but left undone by his last handyman and put up one coat of primer/paint in another section of the attic. The plumber needs to finish the bathroom and then I can hang the rest of the drywall, tape and mud it and paint.

By the looks of the house, I can rest assured part time employment for about.....ummmmm.....100 years. The house is about 2500 s.f. with a new three car garage, four new bathrooms, and renovations started in every room throughout. Nothing is complete and although I feel exhausted for him, I am happy to think I may be allowed to chip away at this job for a long time.

I am humbled by the hourly wage and thankful for the extra income, albeit about ~$40.00-~$50.00 per week. The drive is about 15 minutes from my home and not all that intrusive. In fact, a portion of my travel for my "real job" takes me right by the exit and thus, for example, tomorrow, I will bring my "work clothes" with me, hop off the expressway and put a few hours in prior to going home.

I am going to put 1/2 of the earned income in my savings account the other 1/2 in my Loose Change fund. If I can consistently bring in $200.00 per month minimum, that will be a nice little chunk of change come Christmas time.

Finally, my dad who is back from his summer home in Florida has again promised me some side work this summer with him. That is about $12.00 per hour and although much more physically demanding (my dad is a retired plumber who just can't let go of the grind), he will take great care to get me as many hours as possible.

All in all I am so very blessed! I have a great job. Great employees. Great peers and hopefully growth opportunities. And now, I have some earning opportunities that will not infiltrate my time with my children. Little by little I hope to rebuild my nest egg. Finding new ways to save without sacrificing fun and reaping the benefits of my labor is so exciting to me. Maybe someday soon I can start contributing to my retirement again. In any event, slow and steady wins the race an maybe the nice guy won't finish last anymore. Jamie

Loose Change Update

April 30th, 2014 at 10:19 pm

4/30/14

Balance: $6.85
Deposit: $2.90
Balance: $9.75

Rock on!!!!!!! Oh, and I redeamed $70.00 in Chase reward points. Check should be here in two weeks. Jamie

Allstate Insurance

April 30th, 2014 at 10:16 pm

So yesterday I reported that my internet company saved me $10.00 per month by removing some dumb 911 package that I no longer needed.

Today, as I prepared to pay 1/2 of my automobile insurance, I was told that if I paid in full, I would save $30.00!

I jumped at the chance and feel great in the fact that I continue to save little by little! Jamie

Loose Change Update

April 29th, 2014 at 11:18 pm

4/28/14

Balance: $3.40
Deposit: $3.45
Balance: $6.85

Boooya baby!

Loose Change Challenge

April 28th, 2014 at 07:33 pm

4/28/14

Balance: $0.00
Deposit: $3.40
Balance: $3.40

And we start all over again! Just amazing how a little diligence and money management can really add up. As I stated last night, almost one month to the day of my Loose Change challenge and I have already seen my balance rise to $250.00. Now, I have added some reward monies, so, to constitute my "change" and "dollar bills" is a bit of a stretch, however, it really does add up.

I have accepted a part time job too! $10.00 per hour painting and providing other "handyman" work for an MD in a neighboring town. I should clear about $40.00 per week which, doesn't sound like much, but, an exra $160.00 per month sure does sound nice, especially when looking at some of the items I would like to purchase (new riding lawn mower, new tool shed, new storm door, new laptop). All of the above items are really needs, but, one thing at a time! Jamie

Totally Shocked!

April 28th, 2014 at 04:20 pm

So, on 4/23/14 my internet went down. The DSL light was on the modem but no connection. After numerous calls, help desk visits, etc., it was determined that the modem should be replaced.

Now, asking my mother to sit at my house all day with baited breath waiting for the repair man was troublesome enough...then, to find out that there were other outages and may delay my repair again, was beyond frustrating.

Suddenly, out of nowhere, she calls me and says the repair is at the house! He replaced the modem, check connectivity and all is well!

I call my service provider to ask for a credit for the time I was out of service. She puts me on hold and returns a moment later saying a 1/2 month credit was applied to my account (I only needed five days) AND.................that I have been paying $10.00/month for a 911 service that no longer exists, and as such, will be getting a credit on my bill next month and a $10.00/month reduction thereafter!

All in all I saved $120.00/year on my internet service, obtained a brand new, high speed, great connectivity modem AND have service again all because of a few phone calls.

Totally Shocked! Jamie

Loose Change Update

April 28th, 2014 at 12:23 am

$26.57 deposit set to be made tomorrow. Baby steps. Also I put $35.00 from my quick silver rewards in the loose change account and have $38.00 coming from another reward. That should put me at about $250.00 after the first month or so of the challenge. Amazing. Can you imagine $250 per month......that's almost a million dollars at the end of the year.

I will reset tomorrow and update again. Jamie

Loose Change Update

April 27th, 2014 at 05:16 pm

4/27/14

Balance: $21.95
Deposit: $4.62
Balance: $26.57

I love this challenge.

Loose Change Update

April 25th, 2014 at 01:36 pm

4/25/14

Balance: $18.71
Deposit: $3.24
Balance: $21.95

Been a slow couple of days. The Loose Change has been available to deposit, however, my modem at home crapped the bed, thus, I have not been able to get on line efficiently.

Well, more soon. Jamie

Loose Change Update

April 22nd, 2014 at 10:12 pm

4/22/14

Balance: $15.71
Deposit: $3.00
Balance: $18.71

Capital One Check

April 21st, 2014 at 12:05 am

What a crazy busy wonderful weekend!!!! This was my Easter with the girls and as such, invited my parents over Saturday afternoon for games, movies, dinner out then a sleep over in preparation for a great feast today, Easter Sunday. The girls have not seen them since January when they left for their home in Florida. Ty a great time we had. Or an early dinner I took everyone to the Golden Corale. I know. YUCK! But the kids love it and so do my parents. $75.00. Ouch but with my $105.00 capital needs rewards check coming I can pay that charge off toot sweet and still put $35.00 in my Loose Change Account.

Woo toot. Jamie

Loose Change Updates

April 20th, 2014 at 08:34 pm

4/20/14

Balance: $5.40
Deposit: $10.31
Balance: $15.71

Happy Easter everyone! "This is the day the Lord has made, let us rejoice and be glad!"

Loose Change Update Part Deux

April 19th, 2014 at 01:14 am

4/18/14

Balance: $0.00
Deposit: $5.40
Balance: $5.40

Okay...so I never expected to have any dollar bills or change this evening, however, I took the girls to Pizza Hut and then to see Heaven is for Real and thus, my Loose Change Update Part Deux!



Loose Change Update

April 18th, 2014 at 08:56 pm

Hey everyone. Happy Good Friday and Easter! I made a deposit of $14.46 into my loose change account this afternoon so we start all over again tomorrow.

Enjoy your Easter weekend! Jamie

Loose Change Update

April 17th, 2014 at 10:16 pm

4/17/14

Balance: $13.34
Deposit: $1.11
Balance: $14.45

Loose Change Update

April 16th, 2014 at 07:35 pm

4/16/14

Balance: $10.52
Deposit: $2.82
Balance: $13.34

Some other "rumblings":

I visited my bank again today. For the third time in two weeks, I opened another account. If you recall, I started with a savings account (savings) and an operational account (bills - money in/money out).

I then opened a Loose Change account...for the obvious reason and to house my mortgage pre-payment monies.

I then opened a Duplex Escrow account...again, obvious reasons.

Finally, I opened an emergency fund account and transferred money from savings into it. It certainly is no where near where it needs to be, but finally, after much study, deliberation and guidance from this site, I feel really good about the allocations my money fall under.

Again, we are talking dollars, not hundreds or thousands, but baby steps right!?!?!?!?!?!......I said...RIGHT?!?!?!?!?!?!?!?! Jamie

That Was Fast

April 15th, 2014 at 06:25 pm

Wow......for some reason, I thought it would take three billing cycles to earn my Capital One Quicksilver $100.00 cash reward. However, I just checked my account and poof, there it is. I quickly hit "redeem" and ordered the delivery of my check in the amount of $107.53. The $7.53 equates to the 1.5% I earned on all of my purchases.

As I blogged yesterday, the Quicksilver is laying comfortably in my safe, tucked away for a long summer's nap. But now I am wondering if I should search for yet another great rewards card, open my 4th account, use it for my mulch and other summer yard supplies and tuck it away when done?!?!?! What say you? Jamie

Loose Change Update

April 15th, 2014 at 04:55 pm

4/15/14

Balance: $8.00
Deposit: $2.52
Balance: $10.52

Loose Change Update

April 14th, 2014 at 11:25 pm

4/14/14

Balance: $7.55
Deposit: $.45
Balance: $8.00