Reney's Personal Finance Blog

So we worked it out to go on vacation.It only cost us about 325.00 to get all the animals taken care of.Very relaxing week.A while week for one thousand dollars ,two blocks from the each.Full kitchen.Everyone enjoyed their-selves .Only glitch was they had double booked the place the day before we were suppose to leave.So hubby told them we would leave a day early for 100.00 back.Just before all this happened I was on the phone with a friend and were discussing peoples personalities. You know how there are givers and takers in the world and how during bad times a persons true colors come out. My Mom use to say "cream rises"well not to brag but I have always tried to be the cream.So the lady comes by and apologizes to me and ask how soon I can be out.So I was super nice and told them I would be out in time for them to clean and the new people could get in at the required time. They were so relieved I wasn't mad that they offered us to come back at 1/2 price. So not without reward.Although I was bummed to leave a day early.

So such a busy week. Church, choir, taking son on several errands.I have been so busy. So start school next week.Just Core, 7 weeks.I love the quarter system.
Still haven't sent in a Amazon shipment way behind.I haven't taken anything to consignment store.Never going to meet goals this way.I have managed to stay away from garage sells and thrift stores.But still not completely junk free week.I was driving thru the neighborhood next to mine and saw lots of good stuff by garbage.I couldn't help myself and did a u-turn. So I picked up
a bag full of purses(nothing great).2 portable DVD players, a fishing rod & fishing bag and a Keruig (digital)I left a computer & monitor and bag of folded clean clothes.I would have thought someone moved but the house was full and well lived. So more stuff to sell.

So if I don't go on vacation. My plan is to clean and purge.Which is hard because when I look at something I say,hmmm...I can sell that for $. Problem is there is to much of it.So I need to give a lot away.I would also love to paint a few pieces.What I really want to do is sleep,wake up-- read and eat and go back to sleep.I have to remind myself that I am probably depressed.I visited a lady with a beautiful garden today and I was jealous.I'm very seldom ever jealous.Its just I never get to have any say so in my own house.If I redo something it gets redone or moved or put in storage.It drives me crazy.However I am helping my son redo his house (total reno).He has a nice backyard and I am thinking of starting working there since no one will ruin it.it would be nice to be creative again.When I stopped being able to decorate etc.my house I lost interest in cleaning etc..Which may not be right but that's the way it is.

So we have been planning a vacation for 6 months.Its really hard as kids are teenagers because they are so busy.But I don't even like vacations because hubs has to plan almost everything (at least the money part).So no matter how far a head he plans ,he really doesn't plan ,he talks.When time for the vacation we have no money to do anything with.So two weeks before vaca he tells me to find us a place with a budget of 1,000. for the week at a beach.I wanted to stay kinda close,incase something came up and the kids had to return.So its 3 hours away.But seriously--we all know this will probably be our last vacation with all the kids .wouldn't you want to stay somewhere nice.So I tell him I can't find anything. Remember its only two weeks till we go.So he comes back and says he found something at another beach for 1400. So I said I can find something for that amount you told me a lot less. I did end up finding something for 1,000.but I am a little worried about cleanliness.So now he realizes we are paying out the nose to have people take care of our animals,its probably going to cost 350.,because we have so many.So I offer to stay home and keep the animals.Because I really don't mind.He also needs a vacation.Hubs has a lot of craziness but that man will work rings around guys 1/2 his age.So I can tell hubs is kind of relieved that I will do this but then he kind of acts like --well if you don't want to come.Totally fake.So I am not offering again but will wait for him to bring it up.In the mean time he is bugging me to stay on insurance people so we can get the money for vacation. Ughh. I am not looking forward to going because the kids argue and fight about things they shouldn't because he allows them and takes different sides.He has often said I don't want to have kids that grow up and want talk to me. To which I say well I want to have kids that grow into people I want to talk to.He encourages competition,I hate that. That's exactly why he and his siblings don't even talk to each other and his Mom too.
Let's see he talks to his dad,his sis talks to his mom and nobody talks to the brother.None of the siblings talk.

So my mothers day was disappointing.My baby boy woke me up with breakfast in bed,Which was really nice.He said happy mothers day.But he didn't make me a card.Daughters
did not wish me a happy mothers day till late afternoon.Then mt daughter text me and says they had some leftover flowers fro church I got for you,I said great.She comes home at 11:00 pm and I say wheres the flowers? She says oh I forgot them at friends house,really?Other daughter says before going to bed oh I plan on getting you something but I don't want to tell you what.Yep ,I'm still waiting on my Christmas present.What I really wanted was some house cleaning as a present.I hear someone on the phone ask my husband what he got me and I hear him say why would I buy her something? she's not my mom.Then Hubby goes to lowe's and buys 60.00 worth of plants after I mention someone locally has tons of four different flowers if we dig them up.Hubby says I don't want to go dig them up.Of course ultimately have my self to blame. They are just too self absorbed.They all volunteer and go mission trips. I think they just take me for granted---stupid teenagers.

So I noticed I have been lacking focus and procrastinating.Probably a little depressed.
So made myself do a few errands today.

Went to cash in my change 85.00
took in my grocery coupon for 10.00 off groceries I had purchased the day before.So 95.00 to put with savings.
So my total was 239.00 +95.00= 334.00
plus 57.47 x 2 (weekly savings)115.00= 449.00
Deciding how much of my Amazon money to put into savings and how much to reinvest receiving 300.00 I think I will put 100 in savings,so total 550.00

So I think my side job is coming to a end.The lady I sit with is not doing well and I think she is going to be put in a nice but locked faculty.When that happens there will be no need for my services.I am not upset I want whats best for her.But its inconvenient because even if I a not paid I will still visit. I am not just going to stop checking on her.I love old people.Wow I just realized I am a old people .lol Well I loved old people when I was a young people.(pardon the tenses)

So my Amazon is doing well
I should get paid tomorrow 300.00
I think I will spend 100.00 on inventory and put 200
In bank.Yeah !!
Worked 8 hours so 80.00 from part time work

Ok so typical weekend.Wasting money.
Because we can't budget for a regular grocery day
Friday night comes and I have nothing to fix.
So hubby has me run through drive through 20.00
So Saturday two eat breakfast out because I had to
work 12.00, then lunch for 4 --35.00.So then we had plans from 3-9. so dinner out was 15.00 (cheap)
so then DD ask dd to get ice cream & coke because I haven't been to grocery store,so 10.00.
Then comes Sunday breakfast out for dd & ds 12.00
The lunch 15.00 ( I was at work)
So lets see money spent eating out for one weekend
So that's 119.00 ,I get 120-150 to spend on groceries each week .That includes paper products,detergent,cleaner,cat food,cat litter,shampoo etc.. So we spent as much eating out as I spend all week on groceries.In what universe does that make sense? This wasn't even a expensive weekend.It was however a very busy weekend and I needed to shop on Thursday.Which I told DH.So tired of the craziness.
So hubby says I need to get on the GAP insurance to get paid so we will have money for our vacation.Even though the GAP insurance is to pay medical bills.ugh
I have been in this craziness so long sometimes it seems normal.Like the fact that we need the plumbing redone (2000) and we are not even thinking about that but we have an RV we bought two years ago and have never used and a nice boat bought 6 months ago never used.But we have crap draining 1/2 the time in the front yard.Oh yeah that's normal.I'm so done.

So I need to have an action plan for each goal.

I need to take 10 items a week to two local consignment stores.
I need to list 3 items a week to local face book page.
I need to list 2 books online each week.

Send at least one box a week to Amazon to grow business.

I have always been frugal.I suspect that at least one of my kids may turn out to be a mall person,still I have hope.I make all my kids ,find something and make money from it.The last one found a fancy dog kennel in the trash. Took it home and cleaned it.The pan was cracked so she taped it.It was wicker ,so she used old english to revive it.She sold for 80.00.We looked it up originally it was 200.00. But my son definitely has the touch.He gets it from his dad.He on his own made a chicken coop,hatched eggs and now sells eggs.He got a free bee house and yes got bee's.Yesterday they were swarming,so he follows them.One street over he knocks on a lady's door and says excuse me ma'm but my bee's are in your backyard,may I get them?I would have loved to see the look on her face.So he sells some and makes 75.00,wow.Now his dad and I are city people and know nothing about this stuff. But there are a lot of people who can make money very few who can keep it.

So I have successfully saved 8.21 x 7= 57.47
Just need to put in savings.
Thinking about listing some items on bonanza
to see how it goes.


So two weeks have gone by 57.47x 2= 114.94

add to savings.

So I have to go through all my stuff and clean out

I will give myself a month to finish each room and organize.

Starting May 1st work room.

So here is my basic plan to save.

Make & Save 50.00 a month from consignment store

Save 50.00 a month from change (piggy bank)

Make and save 500.00 a month from Amazon business

Save 200.00 a month from side job.(caregiver)



Other financial goals

Over Summer have yard sale make at least 150.00
Try two new consignment stores in area to see if they have good payout.
Put together my books for resell & list.

So each summer I have registered for classes to get my "core".Start this summer.Good luck to me.I need a better degree since I will have to work the rest of my life.But that's ok.

So I am stating my savings I would like to save 30,000. in the next three years although this is not very likely.However if I save 8.21 a day I will have 10,000. in 3 years.So here goes

Start 239.00 4/19/15