Saturday, August 30, 2008

Close to Reaching my 100th Post

Just checking how many readers I have.
Please let me know if you are out there. You can just say hi on the comments.
I assume I have at least 3 readers. Just kidding. It is at least five (O, J, R, M, and A).

Happy Labor Day!

Thursday, August 28, 2008

My Visit with a Redesigner

I contacted a redesigner to look at my home and make suggestions. For my time and money, I walked away with 5 drawings of ways that I could reposition my furniture. The money would be worth it if and only if we followed at least some of the designs.

The other alternative would be that the redesigner would come back after I make the necessary purchases and would redo two of the rooms for $700.00. The problem I see is that the redesigner is requiring that I buy certain items for the rooms. These items might spice up the room but might also be unnecessary. Only necessary for her to agree to do the work. The items in question are a large piece of art work for each room, three large lamps, light bulbs and some solid color pillows for each room.

The artwork and the lamps are what I would be questioning. There is also the possibility that the redesigner might add some things of her own that we can purchase if we like how they are displayed in our house.

I would have preferred a consultation that was free or at least the money could be applied to the cost of redesigning the rooms. Sometimes it is just a motivational issue. We can have the redesigner work on our house or we could leave it how it is. Yes we could follow the redesigner's designs but I would probably not make as many changes.
For example: my children would be switching rooms; my shelf in the living room (that is attached to the wall) would be coming down; my armoire in the bedroom would turn into an entertainment center in the living room; my vanity would turn into a desk for the living room

On the positive side I would get to purchase a coffee table (or sofa table) and an end table for the living room. That would be fun!

Ideally I would like a redesigner to use my existing furnishings and make magic happen!!

Sunday, August 17, 2008

Ways to Improve our Home

1. hire a housekeeper
2. rent a storage unit
3. take advantage of donation places pick up service

Thursday, August 7, 2008

Traveling Expenses

Our two trips / vacations were very different. One was spent traveling, hotel rooms and attractions while the other consisted of renting a home, grocery shopping and a few attractions.
It will be interesting to see which one was better financially. I guess it is time to tally the expenses!

Keys to Success

Pray, Eat, Live and Love (Repeat)

And don't forget to surround yourself with good friends.

Have a great day!

Wednesday, August 6, 2008

Credit Card purchases for the Summer

Here is a look at the percentages for July
Gas 37%
Food 17%
Dinners (out) 15%
Drug Store 5%
Gifts 5%
Car Main 5%
Baby items 4%
Online services 4%
Toys 3%
Hair Cuts 2%
Entertainment 2%

Gas 45%
Eat out 21%
Entertainment 12%
Gifts 11%
Drug Store 5%
Groceries 2%
Internet Services 2%
Parking 1%

Tuesday, August 5, 2008

Normal Expenses

To follow Debt Defier's, a writer at Happy Rock, post regarding his expenses; here are my normal expenses for a four week period.

Savings $40 a week (160)
Savings for Tuition/Pool $90 a week ($360)
Babysitting $100 -not normal
Cleaning $160 (that was for two weeks)
Auto Insurance $200
ATM Withdrawals $100 (varies)
Credit Cards $1300 (no financing)
Church Donations $500
Groceries $600
Mortgage $1200
Snowball Payment $1000 (250 per week)
Water $50
Electric / Gas $300 -seems really high
Cell Phone $100 -would love to drop this one lower
DSL $ Phone $100

debt defier July expenses

Sunday, August 3, 2008

Money Spent with a Zero Return

93 -$100 deposit to a dealership to hold a new car
93 -life insurance policy to pay off a car in case of death
97 -warranty and maintenance plan on a video camera
00 -charged for a night hotel stay for a hotel that we did not end up staying at
00 -paid for a gift certificate that was not used by the recipient prior to the shop becoming defunct
05 -charged for a night hotel stay that we did not use b/c we left early
08 -charged $600 for returning a lease vehicle
yearly -charged $3.50 each month to pay a bill monthly rather than biannually