Wednesday, August 20, 2008

Replacing the Freezer Seal on an Admiral Freezer

I was popping around on my list of favorite blogs over there and saw Mrs. Micah's Mid-August Round-Up. In it she mentions the Frugal DYI Refrigerator Repair post by Remodeling this Life. Thanks to Mrs. Micah for pointing this one out! I'm glad she did, because I've been wanting to say something about this one myself.

I mentioned awhile back that my tenant complained her refrigerator was running constantly and not keeping things cold. No, it wasn't a cat in the 'fridge - it turned out to be the freezer door seal. I want to give a big thank you to AcmeHowTo.com since it was with their website that I diagnosed and then solved the problem.

Acme said there were a few things that might cause a refrigerator to run constantly:

1. The freezer needed defrosting
2. The condensor coils needed cleaning
3. The door switch could be broken
4. The door seals either needed cleaning or replacing

It was pretty easy to rule out the freezer needing defrosting - especially since the freezer was having a hard time keeping cold. I assumed it was the condensor coils; I figured they hadn't been cleaned in a long, long time. However, when I went to move the refrigerator to check, I discovered condensation on the outside of the freezer door. That's when I knew that it wouldn't be necessary to pull the refrigerator out or check the door switch - I needed a new seal.

I'm not sure what happened to the original freezer door seal, but it was all pulled out of shape and discolored in one corner. Consequently cold air was rushing out through the hole. It was no wonder the fridge couldn't keep up! I have no idea how old this refrigerator is, but it is an Admiral. I wasn't sure I was going to even be able to find parts!

First I called Lowes. I know Lowes didn't carry what I needed, but I thought they might know someone in my area who did. I was right - the salesman was able to give me the names of two companies in my area that sold freezer parts for Admirals. So, I made some calls -

The first things I needed were the serial number and the Bill of Materials (BM) number. Admiral is a division of Maytag, but frankly, I didn't find the Maytage website at all helpful. Fortunately both the serial number and the BM number were easily located on a tag inside the door of the refrigerator. The new seal came to over $80 - and took a week to get here. It was kind of a pain, and more than I wanted to spend, but far, far cheaper than a new refrigerator!

From there it was fairly simple. I loosened a few of the hex nut screws at a time and carefully removed the old seal. You never want to loosen all of them at once - your door can come apart! Then, one side at a time, I put the new one on and tightened the screws. It is a bit fussy - you have to go slow and really get the seal perfectly in place before tightening down the screws, but it is an easy project to do yourself. It probably took me about 30-45 minutes to complete. I will link to a repair site below so you can see photos.

The point is, that one of the most frugal things we can do is try to fix things ourselves and make things last. It is better for the environment - and our pocketbooks!



Cool Additional Reading:

Remodeling this Life - Frugal DIY Refrigerator Repair

Acme How To - Refrigerator Troubleshooting Guide

WikiHow - How to Replace a Refrigerator Door Seal

Frugal is and Frugal Does


Photo by Meggito


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Tuesday, August 19, 2008

Mystery Shopping Feedback

So, here is the feedback I got back from my Mystery Shopping last Friday. I am changing the names and so forth to protect the innocent -

Dawn XXXX,

Thank you for the excellent job on your (name o' restaurant here) report! We especially appreciated how quickly you submitted it. We noticed a couple of point reductions that slipped through without written statements (server suggesting XXX, employee giving lunch punch cards). As it states in our instructions, we require that EVERY point reduction (ZERO or NO answer) must have a written statement clearly explaining the reduction, even if the sentiment appears understood. This includes simple yes/no answers! Any NO answer means the employee loses points for this item, so we still need an explanation for this reduction in your own words. Without the written support, we had to return these points to the employee when we submitted the report to the client. Also, please make sure to send in your receipt for reimbursement of this shop IF YOU HAVE NOT ALREADY DONE SO. You may fax it to us or scan and e-mail it. HOWEVER, you may disregard this reminder if you have already sent in your receipt. We appreciate all your hard work! Have a wonderful day!
Interesting eh? I knew from reading their instructions that they wanted clear explanations on anything marked negative, but the two items I didn't comment about were just simple "no" answers. The punch card for example - I didn't even know the store was running a punch card promotion, so I just marked "no" on the question, but didn't consider it anything against the server. Now I know!

This "job" was just a reimbursement for lunch. I submitted my receipt the day I sent in my report, so let's see how they do. I will let you know when I see the reimbursement hit my account. It should be interesting.

Overall, I think the experience was a positive one and certainly one I would do again.


Something to Chew On:

Federal Trade Commission - The Secrets of Mystery Shopping Revealed

ezine - A Closer Look at Mystery Shopping Jobs

Mystery Shopping as NonPassive Income

The Dollar Stretcher - My Story - Mystery Shopping


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Getting my Zs

So, one of the things I discovered when I moved into the house was that my box spring for my queen sized mattress will not fit up the stairs into the bedroom. When my ex and I lived there there was a king sized bed in that room - which meant two twin sized box springs. They fit up just fine. The regular mattresses - both the king and the queen fit up just fine as well, since they fold and you can kind of cram them up there. However, the queen box spring is just about 3" too wide.*

This leaves me with a variety of options:

1. I could keep the status quo and I could continue to sleep on mattress only. Currently it is resting in the bed frame on top of plywood which has been laid across the bed slats.

2. I could buy a new bed in a new size. Twin, Full and King beds will all fit easily.

3. I could buy a new type of queen sized mattress and/or a new bed frame that doesn't require a box spring,

4. I could move my bedroom down to the first floor. I know my box spring will fit in there, since that is where I am storing it presently.

5. I could put up a couple of big hooks and a hammock.

Unfortunately, none of these options really appeal to me. My bed was built for me by my father and it was specifically built for a box spring. Without one, there is a big (by big I mean bigger than my head) gap between the top of the mattress and the bottom of the headboard. Frankly, it is dangerous. I have woken up a few times and realized during the night I ended up under the headboard. That could be really bad if I woke up in a hurry.

But I don't want to buy a different sized bed. If I buy different bed that is also going to mean new sheets and comforters, and so on. Currently I have queen beds in both the house and the cottage. It is convenient to be able to mix and match the bedding. I actually really liked the idea of getting a new platform style bed that didn't need a box spring, so this weekend I went and checked them out at Ikea. The thing about Ikea though is that everything is ala cart. When I found the nifty $499 bed that caught my eye in the catalog - it turned out to be over $1,000 complete. I don't have the $499 - let alone the rest!

Then there is moving down to the first floor. Sigh... I could but... when my ex and I split he moved down there. The room still has some of his "atmosphere" in it. It is ok as an office and eBay room, but I don't want to sleep there. Besides, the main bedroom has the dressing area, big closet, window seat and skylight. It's a great room. I don't want to switch. Unfortunately I am not nimble enough to climb in and out of a hammock during the middle of the night, so that cut my options right down, but then I had a thought...

Why not build a platform bed? I really like the idea of having something simple and low profile in that room. Why not make something myself? Maybe something along the lines of this:

Okay, according to the description, this is a $5,000 bed - and if I don't have money for the $500 bed, I certainly don't have it for this! But that doesn't mean I couldn't make something like it, no aluminum base, no swiveling bed trays, but inspired by this design.

The next question was about mattresses. Did I have to get a special mattress for my platform bed? So, I started researching online. I just wanted to get a feel for what is out there and how much I can expect to have to pay. I also wanted to see if there was some sort of special "box spring-less" mattress I needed. I admit, I was a bit overwhelmed by what I found, that was until I found this hilarious article on Slate.com. (I'll put a link to it at the bottom, but it is a must read for anyone who is mattress shopping!)

I also found some great links to other people who have built their own platform beds. I am going to try to rough up a design and see if I can come up with the lumber. I'll work on a plan, invite a few friends with power tools over and offer them pizza and see what we can't do. I figure I can use my current mattress in it until I have another windfall. Then I will get another queen sized mattress so I have one upstairs for me, and one downstairs for guests. I'll be sure and keep you informed as to how it comes out - and naturally, how much money I spend!!


Sleep on This:

Slate.com, Seth Stevenson - Going to the Mattresses (A very funny must read!)

My Family Loves It - How to Build a Platform Bed

YouTube - Platform Bed Building

Associated Content - How to Build a Platform Bed for Less than $50

Associated Content - How to Build a Platform Bed with Cinderblocks



Top photo by wander.lust

Second photo by wnorrix




* Yes, we tried that. And that too. I tell you, it just isn't going to fit.


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Monday, August 18, 2008

Mystery Shopping as Nonpassive Income

So, I tried something new Friday.... Mystery Shopping. Sing along with me won't you? "Sec-ret A-gent Man! Sec-ret A-gent Man!"

I've been wanting to do it for awhile, but haven't had the right opportunity. Several bloggers that I read have made money being a Secret Shopper, so awhile ago I signed up with a few different Mystery Shopping Companies. The last couple of months I have been watching for a good assignment. Being a Secret Agent, errr.... Mystery Shopper requires some level of work. You need to apply for the job, look for assignments, apply for assignments, then go to the location and do the secret shopping, then you have to come back and report in. It isn't all having a good time and getting a check - and the reports aren't just a quick paragraph you can whip off your word processor - they are pretty detailed. So, this kind of work is "dollars for hours" - in other words non passive income = genuine work. Many of the types of assignments I saw were for bars (To see if you got carded. To do these you either need to be 24-27, which I am not, or bring a guest who is.), restaurants, banks and car dealerships. Frankly, I wanted something easy to start with. That is just the kind of gal I am - I like to stick a big toe in the waters first before committing. I chose a restaurant for my first assignment.

I don't know if it is just because of the area I live in or what, but there haven't been a lot of assignments I wanted in my hometown - most were on the east side of the state. Finally I found one though that was right across the street from where I work, didn't require me to be 24 and was the kind of work I like - eating lunch. I applied for it, and was accepted.

Now, this particular one doesn't actually pay anything (though many of them do,) it simply reimburses you up to $20 for lunch. Again, because this was my first go at it, that sounded pretty good. I grabbed a friend of mine* and we headed off to lunch. It was great having a friend along. He helped me time the server and he helped me remember things I might have missed.

When I got back to the office I completed my report and sent it, and my receipt (I spent $20.10 - way to use up my whole reimbursement!) into the website. Now I wait. I will be curious to see how this all turns out. If it goes well, I'll try some other assignments - and, of course, let you know how it goes!

...oh, in case you were wondering - the restaurant in question was awesome! Food was geat and service was exceptional - maybe Mystery Shopping works!

More Stuff to Check Out:

My Life as a Mystery Shopper

Mystery Shopping Myths Tips and Facts

Secret Shopper Scams

What is NonPassive Income?



*Hi Philip!

Photo by movimente


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Saturday, August 16, 2008

Draw Birds to Your Garden with a Easy to Make Birdbath

Since I've been doing all sorts of posts about being green with CFL light bulbs, I thought I would put up a little post on a frugal way to get birds to come to your garden.... and no, I'm not talking about those pink plastic fellows there! Although, this is indeed my garden.

I'm talking about bird baths. Birds love, and need, water. They use them for bathing to some degree, but by far the most common use is just for drinking. If you think about it, it can be hard for birds (especially in the city,) to find clean safe drinking water. A bird bath can provide this.

I have two, one that my ex bought at Menards, and another that I made myself out of everyday things - the one you can see in the photo here. A bird bath can be anything really - all it needs is to be made out of a safe material, cleaned and refilled regularly, and have areas for birds to grip their feet. Deep bowls, for example, can be tough because their feet can't cling to the sides and if the water gets too low, they won't be able to drink. Make sure you clean it regularly, otherwise you'll get algae or worse - mosquitoes. I find I need to scrub mine out every couple of days with a high pressure hose then twice a year or so I get out the scrub brushes and give it a good over all cleaning. I refill the one I made every two days and the other store bought one (which is deeper and in the shade) every three days. Keeping it filled means birds will learn that your garden should be a regular stop. Forget for too long - and so will they.

There are several reasons I like bird baths over bird feeders:

1. Less mess. No seeds or shells to get scattered about or start growing where they don't belong.

2. Lower cost. Once it built (using things from your garage) you just have to add water. Nothing else needs to be purchased.

3. No squirrels!! I hate squirrels and when I had feeders they were always eating or dumping out the seeds or ripping up my feeders - and scaring off the birds. While squirrels might stop by for a drink occasionally (why not? I've caught wasps, opossums, skunks and cats drinking from it) they then move on.

4. It works. This bird bath in the photo is just a little ways from my patio set where I frequently sit and have dinner. That doesn't bother the birds one bit - they will come in for a quick drink any time! I can't even tell you how many I get, at least several every hour.

Hit Read More for some more tips:

As you can see, I made mine out of an overturned planter and a saucer from another planter. I didn't want to put the saucer flat on the ground - I have found that the birds like a little height. I doesn't have to be tall - mine is probably 18" high. My other bird bath is 3' high. I haven't found either of them to be more popular - both are frequented regularly.

Birds seem to like a little "cover" when they drink. They are still concerned about predators, after all. When I had a bird bath in the center of the yard, it didn't do so well, but moving it over to where there were trees and flowers did the trick.

Remember to take them in during the winter! (Unless you heat them to draw winter birds, of course.) If you don't take your bath in during cold weather, the ice will freeze them and it will destroy them.

Here's some other nifty information:

Care2 - How to Make Water Drippers for Birdbaths

Wildbirds.org - How to "Water" Birds

Projects for the Birder's Garden: Over 100 Easy Things That You can Make to Turn Your Yard and Garden into a Bird-Friendly Haven

How to Make a Hammered Copper Bird Bath


Photo by: Me!


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Friday, August 15, 2008

The Problem with Installing CFLs in My Home Fixtures

On my recent post about changing over to Compact Fluorescent Lights in all my light fixtures, the author from the blog CFL stopped over to tell me that Home Depot had CFL bulbs on sale. So, last night I took a trip over there to check it out.

Well, no luck. The bulbs weren't on sale at my local store, but I decided to give them a try anyway and see how they would do. I bought a 4 pack of regular bulbs and one candelabra bulb to see if it would fit in my massive dining room fixture. The cost for the 4 pack was $6.49 - the cost for the single candelabra bulb? $6.49. Ouch! The brand carried by Home Depot is nvision.

And my thoughts? .....meh.

I still don't like the light. These bulbs were rated highest by this Popular Mechanics article The Best Compact Fluorescent Light Bulbs: PM Lab Test so I really wanted to give them a shot. Maybe it is true, perhaps the colors are brighter, more vivid. I have a friend who is a lighting designer who told me he loves CFLs in his home.* And maybe this lighting really is best for reading - but I just don't like it. It feels harsh to me and frankly kind of green. I like the warm golden glows of incandescents.

Ok, remember how yesterday I said I had 28 bulbs to replace? Well, very few of them are standard bulbs. Most of them are funky in one sense or another. 7 of them are the big round "backstage dressing room" lights that go over mirrors. Another 8 are in the dinning room chandelier. Then there are the ceiling fans. One of the most important bulbs I wanted to change was the bulb in the ceiling fan in the spare bedroom. That is my office/eBay room and I am in there a lot. The fixture has a globe over it, so I thought it would be perfect for CFLs - the globe could help mellow the bright colors. And it might be, except for one little thing...

When I put the CFL in the light it began flickering. Naturally the light was off - I mean c'mon, I'm not stupid! I know better than to be putting bulbs in a live light fixture. After a little experimentation and a bit of figuring I came the conclusion that the reason is that this light fixture is normally turned on and off by a pull chain on the fixture. However, it has been wired to turn on and off on a light switch on the wall. My guess is that because of this there is still a small amount of current flowing through the fixture, even though the switch is off. Does anyone know for sure? I am wondering if purchasing a dimmable light bulb would help that problem.

In the meantime though I had to take it out. The idea here is to save electricity - not waste it by having a constantly flickering bulb when it is supposed to be off. Because I am not crazy about the light, it was hard deciding what to do with my four bulbs. So far I have managed to install 3 of them - one in my kitchen and two in table lamps. The kitchen is okay. In a way it reminds me of my grandparent's house - they had a huge fluorescent 70s style fixture in their kitchen and it kind of takes me back to having a cheese and Ritz cracker snack at the table with Grampa. Because there are shades on the table lamps (and one of them is a lovely shade of amber) I don't mind the CFLs in them, but these lights aren't going to make much of a difference in my energy bill as I don't use them much.

So, what to do about the other lights?

Well, I am going to take it step by step. I have already spent my allowance on other purchases this month so I think I am going to take the next two weeks and identify lights would impact my bill. In other words, figure out which are the ones I am using the most. Then, I am going to have to search for CFLs that are going to work well in that fixture. As I found out, just buying a random 4 pack isn't going to do the trick - I need to do this methodically.

In addition, I am going to try different brands and see which ones I like, then when all is said and done, I'll report back about how they all turned out!


More Stuff:

Comparing Incandescent Light Bulbs to Fluorescent Light Bulbs

Instructables - How to Make a Green House Out of a incandescent Light Bulb

CFLbulbs.com

Green Living Tips - CFL Disposal and Recycling


EDIT: Here's how my bill is doing after 4 months of slowly switching to CFLs: Electric Bills Even Lower, Thanks to CFLs

* Hi Matt!
Photo by: Me!


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Thursday, August 14, 2008

How Fixing My Stress Fixed My Slipped Disk

Debt Hater had an interesting post about back pain that got me thinking. I wrote a long response in the comments, but I thought I would also tell my story of my back pain and how I fixed it, here in my blog. Though not strictly on topic, had I known what I know now, I could have saved myself a lot of money!

In the winter of 1988 I was in a very serious car accident. I was sitting in the back seat, not wearing my seatbelt (because it was the 80s and we didn't wear seat belts in the back seat then) when my cousin's car spun out of control and slammed up against a telephone pole. I don't remember a whole lot about that night - I went into shock. When all was said and done I ended up with a head full of surgical staples and a very sore shoulder from where I was thrown against the side of the car.

The following summer I was in a lot of pain. My back hurt and what was worse, my right leg seemed to be constantly asleep - not the "numb" feeling, more of that excruciating pins and needles feeling. It was easy to diagnosis - my father had had the exact same thing a year before. Now I won't go into the whole story about the doctors not believing me because I was a young girl and couldn't possibly know what was wrong, but suffice it to say, I ended up having surgery in August of 1989. When I could move again (it took about four days) I was great. I felt good and though I was a little careful about my back, for the most part I didn't think about it much.

Then, five years ago, it came back. I knew what it was, of course. Frankly, I was incredibly angry about it. After all didn't I go under the knife and get a 5" scar to fix this problem?? Since surgery didn't permanently "fix me" the first time I was determined not to have surgery again.

Over the next few years I tried all the natural approaches under the sun. I had high hopes for my chiropractor - the first appointment, sitting in one of his waiting rooms I looked up and saw a drawing of sciatic pain. It was a flash of lightening - instant recognition of the pain I had been having. I ended up having multiple x-rays over those years, every one of them showed the same thing - a herniated disk on L5. It was pinching a nerve and causing all the pain.

Let me tell you a little about that pain. It started slow and gradually built up over time. At first I was just stiff and sore. I had a hard time rolling out of bed in the morning, it was difficult to bed over, to tie my shoes. Slowly it increased and the pain wasn't centered solely in my back - most of it was in my right leg, shooting down the thigh, around the calf and then wrapping like a python of pain around my ankle. As my body attempted to compensate, my back began to twist and turn like a roller coaster track. Before long when I stood straight up one foot was over an 1.5" higher than the other! When I walked I looked like the victim of some horrible disease, I had to use that rolling gait that makes other people wince in sympathy. I tried everything I would think of - massages, therapists, chiropractors, acupuncture - even hot tubs. Pain meds wouldn't even touch it. The only thing that offered temporary relief was laying on a hard flat floor for 10-15 minutes. The only problem with that was that I couldn't get up again.

I don't want to put down chiropractors or acupuncturists or any of those things. All of those things I tried helped some, and I truly believe they are a great choice for many people. But, after years and years of going sometimes twice a week, I was tired of it all. I was sick of the money and the driving and giving up my lunch hours, and for what? I was still in pain.

I talked to my chiropractor about it and he suggested trying something else. He had a new machine, I don't know what it was called, I just thought of it as "The Rack." It was a stretching machine, designed to pull the legs and stretch the spine. Frankly, I liked The Rack, it felt pretty good when I was on it - and I could always hope it would make me a little taller! He gave me some literature to read about it so I would know why he chose this machine for me.

I read the literature and tried The Rack. Even though it felt good when I was on it, it didn't seem to make any difference when I was off. So finally, I gave up. I called my doctor and asked to set up an appointment to get me in for surgery.

It took six weeks before I could get in and get the MRI needed before surgery. During that time I stopped everything - the chiropractor, the acupuncture, I just stopped it. Why pay for it when I was going to have surgery? But there was something that kept floating around in my brain - it was something I had read in the literature for the The Rack - it was just a short paragraph about a study on herniated disks in senior citizens. I don't remember the exact figures, (I tried to look it up online, but have you tried reading through medical journals and studies?) but it was something like this - of the senior citizens they tested and gave MRIs to, something like 70% had ruptured disks. However, only 30% experienced pain.

That threw me. I kept wondering why. Why did some people have pain and others not even know they have it? What is different? Slowly, an idea began to emerge. I realized I carry all my stress right smack dab in the center of my lower back. I work on a computer all day at work and there I was, sort of hunched over, muscles tight, hurting so badly and what's more, stressed about the pain. I thought about those tight muscles putting strain on my spine, making a bad problem even worse. So, I decided to do something about it.

I started taking care of myself.

I started eating better, exercising and getting lots (and lots) of rest. I concentrated on relaxing those muscles, on not letting stress make me tighten them up. I took long baths, read books, drank a lot of tea. I began meditating regularly. And you know what? It worked.

By the time I went in for my MRI, I no longer had back pain. In fact, I knew laying in the machine that I wasn't going to get the surgery. I went ahead with the test "just in case" the pain came back, but in the back of my mind I knew the pain was gone.

Don't get me wrong, I am not healed. I still have a slipped disk in my lower back. There are some days, especially lately as everything has been so crazy in my life, I feel that pain coming back. When it does I try to acknowledge it and cut back on doing too much. I think of it now as my warning system.

I don't want to tell anyone to substitute a cup of chamomile tea for a doctor's visit. If you are in pain and need to seek medical assistance - go for it for heaven's sake! But what I will say, especially for pain related to "stress hot spots" like shoulders, neck and back, is that trying to figure out the cause of your stress and combat it will help you heal faster. It can also be a warning sign when problems are on the horizon. Taking care of yourself, not pushing yourself too hard, especially when you are in pain, is one of the smartest (and frankly most inexpensive) things you can do for yourself.

More to Read:

Debt Hater - If its broke, it will cost you to fix it.

Back.com - Sciatica Symptoms

Senior World Chronicle: USA: Back Pain, What Works

Spine Universe - Surgery for a Herniated Disk

Spine Universe - Tame Stress to Reduce Neck and Back Pain



Beautiful Photo by: Katie Cowden
Picture of Sciatic pain from Sports Injury Clinic.net


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Renting Out the Garage - and More on CFLs

This is the third stall of my garage. Pretty, isn't it? Sigh....

I spent two hours after work cleaning it out last night, and I am still a long way from being done. (This, by the way, is the "before" shot.) Part of my task is to not only clean it out, but to organize it as I do. I could simply haul all of this into "my" section of the garage, but then I would be doing the work twice. Last night I got all of that gardening stuff you see on the left cleaned out - the pots and 5 gallon buckets, plus gardening tools, potting soil and mulch - all cleaned and tidied up.

I also got the snowblower out and into the other stall. It looks like one of the bolts broke off when my ex "took it" and then returned it when I reminded him my mother had given it to me. Thanks ex, for letting me know it was broken! Sigh... it isn't like it isn't something I can't fix, but still... it is annoying. Ummm.... have I mentioned I've never used a snow blower before? Looks like I have something else to learn!

My goal is to have this all cleaned out by the end of the month - so I have a little over two weeks. Once it is clean, I will advertise it with a sign in the yard and through CraigsList. Hey... does anyone know where I can find some sample lease agreements? I'm going to want something in writing when I do this.

So, yesterday I wrote a bit about CFLs. Last night after garage clean out, I went around and counted all the bulbs in my house. Guess what I found?

You know how I wrote this:

Now, unlike the chart, I don't know that I have 30 bulbs to replace. In my house much of the lighting is LED track lighting, with a few "can" lights in the kitchen. However, I know there are several lamps and other light fixtures that still have incandescent lights.
Guess how many I have? Not counting the endless amounts of track lighting and "can" lights in the kitchen and the hall.... 28! My dining room light alone has 8 candelabra style bulbs! I had no idea. However, I will say this since I live alone, these are rarely on at the same time. Usually the only lights that are on are in the room I am in. Once and a great while if I am going back and forth between rooms, I might have lamps on in both, but it is fairly rare and I am trying to wean myself out of that habit.

I had one "basement style" CFL hanging around - the ultra bright lights that I use down there and in the outside fixtures. I tried it in a kitchen light and hated it. It was just too bright. However, I have a covered overhead fixture in the spare bedroom that has a super dim bulb that has been driving me crazy. The spare bedroom has become my office/eBay room and the low light makes it hard to read. I am going to haul out the old step stool and see how the CFL works in that, especially since I've been using that room a lot.

One thing that bothers me about all this though is, as Passive Family Income pointed out in the comments, I hate taking out perfectly good bulbs and throwing them out. I wish there were some sort of recycling program for them, but the best I could find were craft projects! Want to make a vase out of your old light bulb? Or a sea monkey condo? I'll put the links below.


More Stuff:

CraftBits - Light Bulb Window Vase (Ok, these are kind of cute.)

DIY Life - Hollow Out a Light Bulb to Make a Sea Monkey Condo (Also has links to making aquariums, beakers and planters.)

About.com - Light Bulb Snowman Face Ornaments. (Umm... yeah.)

Stressless Country - Cow Ornaments (Mooooo)


Photo by: Me!


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Wednesday, August 13, 2008

Comparing CFL Light Bulbs to Incandescent Light Bulbs

Okay, rarely am I shocked about something - especially about something concerning frugal living. It seems that a lot of frugal ideas are really just common sense when you get right down to it. Saving money usually equals spending less, and there you go, but today I was shocked - shocked to my core, I tell you. And it had to do with CFL light bulbs.

So, here's the thing: I try to be environmentally friendly in much of what I do but I have always had a bit of a problem with CFLs. I have never liked the bright white light of CFLs, I tend to be partial to the soft glow of incandescent lighting. I knew that CFLs used less energy and lasted longer, so I put them in all of my outdoor lights and my basement light fixtures, but for home lights and lamps, I stuck with good old incandescent. Yesterday I saw something that has changed my mind.

Going through my blog roll, I ran across Financial Rambling's post "How Much Do You Save with CFL or LED Light Bulbs" which addressed one of the other problems with CFLs - the relatively high unit cost. FR then compared that with the potential savings, by referencing Milk Your Money's Light Bulb Comparison tool, found in Milk Your Money Tools. This was where my mind was blown.

There are a bunch of nifty tools on the page, but the light bulb comparison was what I was after. It is an excel spreadsheet comparing Incandescent Bulbs vs CFL vs LED. Holy cow!!! After looking up the average retail cost of electricity for my state (using the link below) I found that $.10 (as was used in the comparison chart) was spot on for my state. Then I looked at the numbers - the estimated savings are incredibly impressive!

Now, unlike the chart, I don't know that I have 30 bulbs to replace. In my house much of the lighting is LED track lighting, with a few "can" lights in the kitchen. However, I know there are several lamps and other light fixtures that still have incandescent lights. I am also sure there are a bunch of them up at the cottage. One of my goals tonight is to take a tour through the house and write down the different lights I have so I can start shopping for deals on bulbs.

One of the other reasons I have hesitated in buying bulbs was that many of my lamps have smaller wattage bulbs. I didn't realized (I guess because I never looked) that CFLs actually come in all shapes and sizes. For example, I was surprised to find out that there are even CFL for candelabra style lights. Did you know that?

Check these out:
4 Watt Flame Shape Candelabra CFL Light Bulb

They also have black lights for those hip 70s posters I have hanging everywhere*:
Feit Electric 13-Watt Compact Fluorescent Twist Bulb (60-Watt Incandescent Equivalent), Black #ESL13T/BLB

There are dimmable lights, round lights, flood lights... all kinds of crazy things. I never knew!

Now, of course, these bulbs aren't cheap, so I may not be able to replace them all at once, but one of my goals will be to track here on my blog how many I change and what difference I see over the course of the next year. Let's put the theories to work, shall we?

EDIT: Here's how my bill is doing as of 4 months later: Electric Bills Even Lower, Thanks to CFLs

More Reading:

Wikipedia - Compact Fluorescent Lamp

Financial Rambling - How Much Do You Save with CFL or LED Light Bulbs.

Milk Your Money - Milk Your Money Tools

Energy Information Administration - Official Energy Statistics from the US Government

Popular Mechanics - The Best Compact Fluorescent Light Bulbs: PM Lab Test


* You knew I was kidding about the black light posters, right??

Fun photo by Seaworthy


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Night Slave DVD with Claudia Udy

So, here's something amusing: as I have mentioned a few times, I am selling Catie's DVDs online. She bought several lots of DVDs back on eBay some time back because at the time it was cheaper to buy a lot that had several titles in that she wanted, rather than buy each DVD separately. What this meant was not only did she get the DVDs she was looking for, she also got a bunch she didn't want. They've been taking up space and lately she has decided to clear them out. She sold a bunch at the garage sale, but what was left I've been posting for her.

Most of the DVDs I've been putting online are going for about $2 a piece. That's right - $2. Many of these are brand new, in the packaging. I am telling you, if you want to own a popular movie, NEVER pay full price. I am using $2 as my base line because that is what she had them priced at on the garage sale table - but some are as low as $.01! I am simply amazed at how cheap they are on Half.com and Amazon. (Of course, remember to look at the condition rating - you probably want something that is rated Very Good - New, unless you really don't want to pay much.)

What I have found though is that some movies are a little more rare. When there aren't quite so many in circulation, the prices tend to be a little higher. Some of Catie's movies I have listed in the $8 - $9. So, last night I was putting up movies and I went to post "Night Slave" staring Claudia Udy, Denis Smith, and Philip Wolfhart. Yes, that is the actual cover of this movie, right up there. What do you think it would go for, eh? $1 maybe $5?

Click Read More to find out.....

On Half.com it was listed at $59.00!! Over at Amazon you can get it as low as $48.00. (I have Catie's copy of Night Slave listed at $48.50.)

Just out of curiosity, I've been trying to find out more about this movie. I can't seem to find anything online. Even IMBD doesn't have much, just slightly more than what is on the back of the cover:


Enter the bizarre world of Thraxton Hall, where Jarvis, Lord of the Manor, indulges in his wildest, darkest fantasies! Part torture chamber, part Turkish bath, part homicidal nightmare, this ramshackle monstrosity is actually his imaginary creation, his escape from a dead-end existence, fueled by his passion for silent horror films. But maybe his fantasies are real... this passive video geek turns out to be a bit more then we bargained for! And to this crazy mix a beautiful, buxom blond, scantily clad in black lace and garter belt, who is terrorizes by Jarvis, and Nightslave explodes into reality with terrifying results. A black comedy with an edge, this is one-of-a-kind thriller takes you on a sexy horror ride you don't want to miss.
Apparently it came out in 1989, though I have to say, based on the cover I would have put it in the 70s. I mean come on - check out that Farrah Faucet hair!

I have to be honest - it makes me wonder if I will find any more treasures in bottom of the DVD box!

More:

"Night Slave" on IMBD

Setting Up Online Selling with eBay and Amazon

Garage Sale vs. eBay - What is the Best Way to Sell?



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Tuesday, August 12, 2008

Grateful

Lots of wonderful things have been happening lately, my friends have been incredibly supportive, and I thought I would write about a few of them.

Last week I wrote about my own personal challenge to see how long I can go without grocery shopping. It will be a week tomorrow, but so far I am doing pretty good. I still have plenty of things in the cupboards and plenty of culinary choices! I gave myself one exception - I could purchase items if I had to make or bring something to a gathering. Well, as it turns out I had a company potluck on Friday. However, I was able to make a delicious black bean salad with many ingredients I already had. I did have to pick up an extra can of beans, a can of corn and some cilantro, but I was able to pay for most of that with bottle returns - and the bottle return slip of a friend that went with me to the store. (Thanks Philip!)

Speaking of gatherings, I had a bridal shower on Friday night for friends of mine. At the end there was quite a bit of food and beverages left and when Maureen emphatically stated she didn't want to take it all home and asked if anyone would take anything I was right there with my hand up - and she loaded me up good. I was glad I had brought one of my extra tough cloth bags with me. I promised I would mention her in my blog - so here you go Maureen!! Thank you so much! I am having sliced cucumbers with my lunch today (The chicken salad is long gone, it was soooooo good.)

Speaking of generous folks, a friend of my mother's gave me a dinning room table and chairs! I am still getting settled into the house, but let me tell you, when you go from a 400 square foot apartment to a 2300 square foot house - that leaves a lot of blank space. One room that was empty was the dinning room as I had given my ex the table and chairs in the split. My mother has been looking for a dining set for me and it turns out that her friend Marilyn had one to give. My friend Kate had received the offer of a similar free couch from her mom, so she and I pooled resources and brute strength and rented a truck from Home Depot and picked up both the couch and dining set. Total cost was $20. Not bad at all!

To be honest, my new dining room table and chairs are a bit on the ugly side. Ok, more than a little - and this isn't the kind of ugly you can fix. However, beggars can't be choosers! I am planning on painting the table legs (which are a lovely mixture of 80's brass and wood) and then throwing a table cloth over the top. Unfortunately it can't be refinished because the top is veneer. The chairs.... well, umm.... they are comfortable. Ok, they are bad. And dirty. And there is no fixing them. They are upholstered and the frames are not good enough to recover. However, they will be perfectly fine until four new chairs find their way into my life.

I also got free entertainment, courtesy of a friend. Saturday Catie, David, Tommy and I got free tickets to see "The Antiques Roadshow" thanks, once again, to Philip! It was a long, long day of standing in line (funny, they don't show that part of tv) but fun for all of that. I will write more on that later, but the tickets were coveted and I was very lucky to get one.

And of course, I continue to be grateful to my sister Meg and friends Catie and Jen who have given me things to post on eBay. I am splitting the profits with Catie and Jen, but my sister said I can keep whatever I make. I have to laugh though - of the box of items my sister gave me - an awful lot of them I ended up keeping!

Another thanks to Passive Family Income, who put up this post: Make Money By Being Green. I used the links on recycling cell phones and was able to get a $8 visa card from My Bone Yard for an old cell phone I had laying around.

At one time, not so long ago, I used to be so stiff necked that I wouldn't accept help from anyone. I had a real hard time with taking "charity" though, oddly enough I had no problem giving it. I'm getting better at realizing that helping each other out is all part of what friendship is really about. By not being able to receive as well as give, I was shutting off half of my friendships. Of course, I have no wish to take advantage, but being open is part of what life should be about!

More to read:

Grocery store challenge - A Few Dollars Here, A Few Dollars There

Passive Family Income - New Ideas for Reducing Our Monthly Food Budget

eBay - Books Selling eBay vs Amazon vs Half.com



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Friday, August 8, 2008

How to Stop Being Depressed About Money


Today I was reading an article by Laura Rowley entitled, "High Anxiety: Americans' Top Financial Fears Revealed." Basically the article outlined a lot of what we know already - people are worried about their finances. Across the nation people are concerned about the rising cost of living, the economic situations, the housing crisis, their savings and their debt.

I understand. At the beginning of this year I was not only depressed but scared witless. I didn't know how I was going to make my bills. I've always had fairly good credit, thought myself pretty good with money - yet suddenly it felt like "bankruptcy" and "foreclosure" were not that far off. I thought I had made good choices in my life, yet here I was - broke. It wasn't even that I wanted anything big. I just wanted to be able to stop worrying. I didn't need a ton of money - just enough to pay my bills and maybe buy a little something when I wanted it. Now I was fretting every time I went to the gas pump, let alone every time I went to the mailbox.

Money is such a hard thing to talk about. Give Me Back My Five Bucks just wrote a post about how personal finance is still such a big taboo in people's lives. It is true - one of the worst things about money is that people feel they can't talk about it. That is what adds to the depression - you feel alone, helpless, without even knowing where to start.

Here are Dawn's tips to pulling out of the money depression and learning to feel peaceful again:

1. Ask yourself these questions:
What am I scared of? What benefits am I getting from being depressed about money? What would it feel like not to be depressed about my finances? If I wasn't, what would I be doing? Do I want to change? Am I ready to try?

2. Face the Fear
Depression about money frequently comes from fear. I certainly did for me! It is the fear of the unknown - what is going to happen, how am I going to deal with it? The first thing you need to do is get a handle on what is really happening with your money. You've heard of getting over a fear by facing it? It is the same thing! Sit down and start figuring out how much money is coming in each month. That one is usually pretty easy - look to your pay stubs. The next one is harder - figure out where your money is going. It helped me to gather monthly statements from every one of my bills - from the car payment to the utilities to my Netflix subscription.

3. Take Control

Now that you got the facts and figures, you can start making a budget. There are lots of resources online for how to do it. Take a look at BeingFrugal's article on it, for example.

Then once you've made a budget, start using it. Also start looking for ways you can cut costs, save money and earn more. There are countless ways to start changing your situation, but the important thing is, once you start moving towards a goal, you find you feel a lot better. It doesn't mean you still won't get in a funk - I have periods of "money blues" but knowing I have a goal and working towards it has kept me out of depression - and foreclosure.

4. Get informed.
There are hundreds of great blogs and articles out there on nearly everything under the sun when it comes to finance. I've put links to some articles and books I have found especially helpful on the bottom of this post, but look around. PFBuzz for example, has some great articles - and you can rate them as to how well they helped you.

5. Regularly review your goals.
Sometimes it can be easy to get off track. I know that there are times when I am very motivated and focused and putting a lot of energy into it - and then something happens: an illness or even a vacation, and it all goes to the wayside. It can be tough to get back on track. That is why it a good idea to make financial goals, review them frequently, and keep track of how you are doing. If you keep a notebook (or like me a blog) that outlines your success - that can be a real moral booster when times are hard.

6. If all else fails seek a professional.
Depression can be a very serious problem. Seek professional help if you need to - whether that is a counselor, therapist, minister, or financial adviser. Yes, these may cost money, but many have programs for people with financial difficulties - and your health is one of your best assets to get your life back on track.

More Suggested Reading on the Web:

BeingFrugal.net - How to Make a Budget That Works
Financial Ramblings - 19 FREE Personal Budgeting Spreadsheets
Consumerism Commentary - The Correct Way to Pay Off Personal Debt: The Debt Avalanche
I've Paid for This Twice Already - Using Language as Motivation
Fighting Foreclosure - 8 Tips to Help You Fight Foreclosure
Sue Meyers - Getting Rid of Depressed Feelings
Laura Rowley - Four Habits of Financially Peaceful People

Suggested Reading - Books:

Women & Money: Owning the Power to Control Your Destiny

Pay It Down! : From Debt to Wealth on $10 a Day

How to Invest $50-$5,000 9e: The Small Investor's Step-By-Step Plan for Low-Risk, High-Value Investing

Photo by Dailyinvention


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Thursday, August 7, 2008

Kiva Loan - Repaid!

At the beginning of last month I wrote about Kiva and being a lender for that non profit organization. This week I have gotten two fantastic emails about my two loans at Kiva.

The first was that one of my loans was completely repaid. I chose to lend $25 dollars towards a loan taken out by Grace Cramson in Cape Coast, Gahana. Here is information about her business from the journal on her loan page:

Grace Cramson runs a very beautiful restaurant. Its views look up into the surrounding hills covered in palm trees and vegetation. Grace used her loan to increase her product line as well as stock up on beverages. Demand at her restaurant has slightly fallen off, but she plans to change this by installing speakers to play music to attract potential customers walking the street. Customers have been suggesting this to her for quite some time, but now she plans to take their advice. Between this loan and the next loan, she plans to take; she hopes to be able to save enough money so she can buy the restaurant outright. She currently rents the land, but her dream has always been to own it herself.
Now that the money has been repaid, I have several choices. I could re-lend these funds to a new entrepreneur, withdraw them into a PayPal account or I could donate them to Kiva's operational expenses. Even though I am struggling to make my ends meet, when read the bios of the people seeking loans, it is an instant reminder that my life is pretty darn good. Though it would be easy for me to withdrawal the money and add it to my monthly totals, I plan instead on finding another loan to help fund.

The second notice was that Sopheap Chea, who took out a $1,000 loan to expand her scarf weaving business in Cambodia, made a $50 payment on her loan, bringing the amount she has repaid up to $300. Her loan has a repayment term of 20 months, to be paid monthly. Here is a bit from the website:

Today we drove out to the Kean Svay district of Kandal province, a rural area approximately thirty minutes outside of Phnom Penh, to meet with Sopheap and hear how her business was doing since she received her Kiva loan. Even though business has been very slow, Sopheap continues to work hard weaving kromas, or traditional Khmer scarves, and has managed to consistently repay her Kiva loan on time.

Sopheap needed a Kiva loan several months ago because she and her husband had just spent a large amount of money renovating their house. Sopheap’s aging mother lives with them and the couple wanted to build a toilet for her, as the other one was too far away and a strain on her very weak knees. After this was completed they had little left over to purchase new threads for the couple to weave. They were very appreciative of their Kiva loan, which allowed them to continue their business as usual.

With her Kiva loan Sopheap had planned to expand her business weaving kroma by using the capital to purchase new thread and invest in a fourth loom, hoping to increase her production. She was able to purchase both of these as hoped but has in the past month or so seen a decline in the demand for kroma. Sopheap works through a middleman, selling her finished products to him to resell in markets and other villages. The beginning of the nation-wide legislative lection season a few months ago saw a spike in demand for kromas, as various parties purchase them and give them to potential voters in exchange for their support. However, the waning of the election season has brought with it a decline in the demand for kroma, and the middleman with whom Sopheap works has significantly decreased the number of Sopheap’s kromas he is willing to buy.

Sopheap is worried about the coming months and hopes that business picks up again. However, she recognizes she might need to move into a more lucrative industry and is already considering alternative businesses, such as preparing and selling food to sell to workers at a nearby garment factory, if she feels that she can no longer support her family through weaving. Regardless of the line of work she chooses, she hopes to make enough money to continue sending her children to school so they can someday pursue university educations.

I hope her business turns around!

Related Links and Articles:

- Kiva.org
- Why I am a Lender at Kiva
- Forbes Magazine: When Small Loans Make a Big Difference
- Wall Street Journal: Microlending for Microbankers



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Wednesday, August 6, 2008

A few dollars here, a few dollars there...

Money continues to trickle in from Amazon, eBay and Half. All of the money I have earned this month, except for $15, is from bank interest and sales through Amazon. I have several items up on eBay right now with watchers, so we'll see how they do as the auctions close. I have also been selling Catie's DVDs - the money from them isn't a lot, and we'll be splitting it 50/50, but hey - every penny helps!

Unfortunately with this month comes three major gifts to buy... ah well, these things happen! Two of them I am going to be able to save money on by using ebates. Here's an example: I have a Barnes and Noble membership card which gets me 10% off purchases. In addition, I can get 4% rebate with eBates, and combining those together will really help!

The other spot of good news was that $15 was a refund check from a doctor appointment I had awhile back. I am not entirely sure how that worked out, but something must have changed since I changed insurance companies. In any case, any extra checks are always welcome!

So, one of the things I have been thinking about lately is an article I read over at The Simple Dollar. Here's a quote from it:

In Your Money or Your Life, Joe Dominguez hits upon the idea perfectly on page 27 with his description of a “gazingus pin”: “A gazingus pin is any item that you just can’t pass by without buying. Everybody has them. They run the gamut from pocket calculators and tiny screwdrivers to pens and chocolate kisses.”
His gazingus pin is books - so is mine. Apparently it is a lot of other people's as well - Wow did he stir up some controversy when he decided to give up buying them for a year!

I thought about his challenge, but you know, since I have started this blog and started watching my pennies - I don't have as much of an urge to shop. There once was a time when I'd walk into a bookstore and regularly spend $150. Now that just isn't likely to happen - especially since seeing how inexpensive books are on Half.com and Amazon. I tell you, I am not likely to ever pay full price for a book again! Some people who know me well would say that my other gazingus pin was shoes - but there was a difference. I could easily walk into a shoe store and not buy shoes, not so much with bookstores.

I don't think I have a gazingus pin anymore. That isn't to say once things settle down, that couldn't change, but I don't see it in my life right now. I rarely even go places where I can spend money. So, I was trying to think of a challenge for myself, one that would effect my bottom line, be a challenge, and could help my spending habits - and I found it - groceries. Now is the best time to shop the farmer's market, and the market is the one place I don't mind spending extra money. I love buying locally raised, fresh produce - plus it tastes better and is healthy for me. This time of year the market is bursting with great food, and I love taking advantage of it.

However, I realize that my pantries are pretty well stocked. I really don't need much right now, and yet still, I go to the market every Saturday morning. My goal is to see how long I can go without buying groceries for myself. I want to try to eat down the cupboards as far as I can this month. I already went shopping on the 1st, so I think I am stocked on staples - so let's see how I can do.

I will make two exceptions - 1) if people are coming over and I buy something for them and 2) if I need to bring something somewhere and don't have ingredients on hand.

Once the cupboards are bare, I will go back to shopping again!

What challenges are you undertaking right now? What kind of goals are you working on?


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Monday, August 4, 2008

Cabin Fever

Last month's victory has been moved down the sidebar, now it is onto August. I start this month with only my bank interest earned last month. It looks so puny there! It reminds me of how far I have to go.

So, this weekend I spent time up at my cottage. You know, one easy way to save the money I need each month would be to simply sell the cottage. If I were to do that, I could probably save close to the $900 I need each month. Between not spending money on the mortgage, utilities, gasoline and maintenance, I wouldn't need to struggle. Here I am - a single woman with two houses - what am I thinking???

Well, I won't deny it. I have thought about selling the cottage more than a few times. Back when I first started this whole venture in May - determined to try to come up with the money I need to keep myself afloat and out of foreclosure - I made a massive list. It was a list of everything I could do to earn more money and make all my bills. When I was done I put it in order - ranking it from easiest to hardest. Down near the bottom, right by borrowing money from family, was selling the cottage.

Selling the cottage isn't simple though. There are a number of reasons why I don't do it, some that are emotional, some that are practical. I'll put them behind the cut though - since one of them shows a less than pretty side of my personality:

Reasons I don't sell the cottage:

1. It is a heck of an investment property. I bought it severely under value. The gentleman I bought it from had found it when it was abandoned. He got it for a song, then did a bunch of work on it, then lent it to a tenant... who trashed it. When I came along he was going through a nasty divorce and had no desire to make any profit on the property, (if he did, he'd have to split it with his soon-to-be ex wife.) So I paid only what the mortgage was - $72,000. Properties in this area (on much, much smaller lots) are selling for $85,000 - $135,000. My place still needs some work, but even the last loan officer I had said it was a great property. Since I bought it, I have done a lot of work and the work continues. I haven't had it appraised in awhile, but I have no doubt that were I to sell it, I could do very well.

2. It is my haven. When I head up to the cottage all the stress and tension from my day to day life sort of melts away. It is so beautiful there, with the trees and the water - nature all around. I don't feel that way in town. There I am truly happy. This weekend I stayed through Sunday night and got up this morning to drive in to work. It hurt to leave - it always does. While I know in my head it is just a piece of land with house on it, I could sell it now and buy another one down the road... my heart is still very attached to that particular ground, to that particular house.

3. It has potential for passive income. One of the things I would like to do is eventually rent it out for the occasional week or weekend. I was hoping to do that this summer, but it still isn't quite ready. However, if I were to get it into shape, there is the possibility that it could help pay for itself. It seems foolish to sell an asset with that potential if it is possible to avoid it.

4. I don't feel like I have gotten all I can out of it. I still feel like there are things to explore, things to do, days to while away in the hammock. When I am "done" with things, I can sell them, but I am just not "done" with the cottage yet. If I had to sell it, I could, but if there is any way I can hold onto it, I will.

5. It may not be necessary. I don't want to sell the place until I am really down to the bottom of my list and desperate. If I can come up with the $900 a month I will be fine, I can support both homes. Finding passive income streams, saving money, doing what I have been doing, I think I can make this happen without selling it. (In fact, in May of next year my car will be paid off - that's another $300 per month.) It would be shame to sell the place I love just because I have to struggle a little harder the next couple of years. The cottage increases my quality of life, and that is awfully hard to put a price tag on.

And finally, the reason I am a touch ashamed of, but will confess none-the-less:

6. Pride. When my ex and I split, the deal was that he take the house and his rental property. I take my cottage. He welched on his end of the deal, now I have the house and the cottage. I have always suspected that part of the reason he did it was because he wanted to hurt me - and the only way he could was by making me sell the cottage. I am not very proud of the fact that my pigheadedness is one of the factors that keeps me going - the desire to prove to people I can do this, even in the face of some pretty stiff odds. I refuse to allow anyone to make me do something I don't want to do. If and when I sell the cottage I want it to be on my terms, because I have decided it is the right course of action - not because someone else tries to put me in a corner.

My therapist regularly reminds me that I have choices, when I start to feel overwhelmed and frustrated with all this money stuff. Sometimes I have to remind myself that she is right - I am in the situation I am in because I chose it, and as difficult as it may be sometimes, it is all mine by right.



Photo by mart3ll




And here is the rest of it.


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Saturday, August 2, 2008

Money Tracking for July

I was really, really bad about money tracking last month. I try to write down and categorize every expenditure, but last month it just went awry. The beauty of my monthly budget system, however, is that each month I can start out fresh. I am determined to do far better in August in keeping track of numbers! Here are some things I do know:

Utilities:
I was under by both gas and electric this month, but only because I am counting those bills in the month I pay them - not in the month they occur. It works out far easier to do it that way for reconciliation at the end of the month. This month all I had to pay for was utilities used in the apartment. Now that I am in the house, that will jump up dramatically.

Gas:
I actually was way under my gas budget for the month. Probably because I was so busy in town I spent very little time up north. Also, I can't help but wonder if my new route home is making a difference in my mileage. In any case my budget was $150.00 (which I went through last month) and this month I spent $82.26.

Groceries:
I was over my grocery budget by about $50. Some of that is because I am slowly restocking my pantry. I love to cook, but in the apartment I had very little room to store staples. Now that I have more space I am filling out my pantries. In addition, I bought goodies for the garage sale - not much of which got eaten (so I am using it up myself) but it did add to the bottom line.

Entertainment:
Once again, I came way under in this category. I am hesitant to change it because I know come fall I will be seeing a lot of shows and so forth.

Miscellaneous:
Miscellaneous is just that - all the weird things that don't fit into any category. I was WAY over in this area. I budget for $50.00 - I spent $326.84. Ouch. But that included the new lawnmower, the parts for toilet and freezer, big spray and bug bombs for my shed which has been infested, my ironing board, some home gardening and home repair tools, a couple of small gifts... and so on. It is obvious to me that I am going to need a new line item for home repairs. The question is, how to fund it?

This month I had several small windfalls - the garage sale, the eBay sale of my mother's footstool and my security deposit from my apartment. I also got another $72 in a refund check from my home insurance because I am no longer paying extra to insure my exes computer and camera gear. Despite all the money I spent, I still came in way over budget. I want to keep most of that in my checking account as "rainy day" insurance, but I am using $100 of the garage sale money and putting it towards my credit card and another $50 and starting a Home Improvement account.

In the future I will fund my new Home Improvement account by with money from my end of the month reconciliations. In June I would have added $23.52. This month, because I went over, I wouldn't add anything. Of course, this is only assuming that all other goals are met for the month.

Of course, the downside of starting fresh for August means that my $900 meter gets reset. As of today, I don't have any extra income or job opportunities planned, so that means I need to hustle!



Photo by _ES


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Friday, August 1, 2008

Garage Sale vs eBay - What is the best way to sell your junk?

Passive Family Income asked if I thought I could have sold items for more using eBay or CraigsList than I did at the garage sale. For me, the answer would be "not really." Most of my items were priced at $2.00 and below. I had a few larger items, but not many. One of my "hot sellers" was the boxes of clothing my sister donated to the cause. She had expensive brand name clothes that she wanted sold, so I marked them all $2.00 a piece or 6 for $10.00. To sell each individual piece would have been a pain, and almost all of them had been worn, so I felt this was the best way to do it.

As a side note... a young lady came to sale and was having fun checking out the clothes. She bought a couple of sweatshirts but didn't have the $10 cash on her for the shirts and skirts she picked out. She was sweet and chatting with us, and I was more than happy to hold her things while she ran home to get more money. When she got back, she said her boyfriend said she didn't need that many and to only pick out two things. What could I do? I gave her all 6 items for $4.00. She was shocked and it was fun making her day.

While there were probably some items at the sale that could have perhaps benefited from CraigsList or eBay, you have to consider the time you are willing to spend. If you sell it on CraigsList you have to make an appointment to meet with someone to pick it up. That makes sense if you are selling something that is fairly expensive, but not as much for $1.00 vase. Same thing with eBay really. In order for me to sell it on eBay, I would want it to be something that will stand out, that for some reason would appeal to an online shopper. (Plus you have to be willing to go through the trouble of mailing it.) I listed a book light I had twice with eBay, with no success, but I sold it at the garage sale!

I will say that there were a few items of my sister's that I held back for eBay. There were some name brand Christmas ornaments, for example. I think I can get more than $2.00 for them, so I will post them. I also chose to list a bunch of books my mom wanted sold on Half and Amazon, rather than putting them out with the garage sale books.

My friends and I also have some things that were at the garage sale but didn't sell, that I will try to sell on eBay. Kate has a couple of wedding dresses that I will post, and Catie left me a bunch of candle molds, cake pans and DVDs. I already sold one of the DVDs I posted last night!

For me it just kind of depends on the item - a quick break down would be:

Collectible, Vintage, Antique - eBay

Media (books/cds/dvds) - Half.com or Amazon

Large expensive item - CraigsList (Especially if it is something you don't want to mail!)

Small inexpensive items you might otherwise give to the mission - garage sale

Small inexpensive items that I don't want to deal with selling - a local mission

Broken or oddball items that otherwise might end up in the trash - Freecycle

EDIT: Looking for more information on online book selling? I am compiling all my articles about my experiences in one place. Check them out at The Online Bookseller.




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