The best thing I could have done was purchase a laptop for my side gig.
Sometimes sitting at my desk can be daunting.
I was able to knock out three policies, attendance, over time, and holiday pay, all while in the bed. I sent the company the new W4 for 2020, made the recommendation that staff completes the form (it’s not required), and provided a copy of the new Florida minimum wage poster to be placed in the break room.
I also sent reminders regarding items I’d sent out last week. I feel like I made progress.
Tomorrow I’ll log onto the desktop, it’s where my MSMoney is housed. I really wish I could get this thing on the laptop, but it’s discontinued. I use MSMoney to track my time and invoice the organization. I’ll have to note the hours spent creating policies.
In financial news, day 6th and I didn’t dine out. I did buy a red vase for the house,$10.68. It’s not a need but a want. I’m having a little buyers remorse and will more than likely return.
I’d signed up for Pandora music, free trial, and cancelled today. I really don’t listen to music where I should be paying for it. I’ll take the commercials.
Changing plans, dryer must go on hold. I’ve got to get the hurricane shutters for the house. Tomorrow I’ll check the city’s website for grants and get a few quotes. The shutters that I’m considering, I believe will be less than $2,000. Fingers crossed 🤞🏾.
Lastly, in fitness news, today make day six in that I got cardio in. I’m hoping I can continue with this.
Have a great night
Viewing the 'Miscellaneous ' Category
The best thing I could have done was purchase a laptop for my side gig.
Due to auto pay and using my credit card for gas, I earned $39 this month in cash back rewards.
What I did was, I signed up for autopay for variable expenses such as internet, and car insurance. I use the card to pay for gas, and before leaving the parking lot, I pay the bill. When I had the car emergency I used the card and paid it off the same day.
I’m excited about earning the extra cash and not having a balance, this is CC9. The cash back isn’t too bad. I’ll throw the cash back at CC10
Just wanted to wish the best financial blog group ever a very Happy New Year 🍾🥂
It’s been awhile but I’m still trucking along.
These last few weeks have been super busy. Work has been crazy, we have one manager that everyone and I do mean everyone struggles with, including the CEO, who needs to be fired. I’ve somewhat made the recommendation but my manager, CEO, is quite sensitive to this. The woman has worked with her for 25 years 🤦🏽♀️🙄. The position is a $110k + a year that actually can be eliminated.
My side hustle is going great, they’re actually looking to expand in 2020. I have a really strong feeling they’ll be offering me a full time gig. I’ve decided if I’m offered the position, I’d negotiate two days there a week with benefits for $65k a year and keep my current job negotiating $65K a year for three days. Fingers crossed.
On the money front, thank goodness I saved and paid cash for Christmas. I spent more than usual, for the family game night. Reason being is because this time it was all on me. Usually the SO chips in, but he didn’t as much as he usually do. I paid the server and the photographer and that’s usually him. I’m not upset, just glad I’d budgeted for it. The sinking funds really do help. I bought Christmas gifts for my staff, nephews, and paid for game night all with my Christmas sinking fund. Not to mention, no stress.
Today I’ll be reviewing my cash envelopes, and updating my budget for January
December is here, I can’t believe it.
Yesterday was a relaxing day, with a little activity. I switched out my fall decor for the Christmas decor, I’ll be finishing up decorating my Christmas tree 🎄 today.
I also did a little holiday cleaning, have to finish this up today.
The red decor will stay up until Valentine’s Day.
This morning I finished up my monthly consulting report for my side hustle, and created the invoice. This month I’m billing for $1300, $400 will go towards the training and I will make a total of $900. This is an extra $100 on top of my normal consulting services. The trainer charged me $400, I charged $500. I’m also going to let the owners know, that I’m interested in other opportunities in case they know of any other small businesses that will be needing my services. I also told my friend who is an accountant, he’s the one who got me the gig.
I’ll say this, I’m glad I got the laptop for the side gig, it really helped me out today.
Later today, I’ll review my November budget.
Hope everyone enjoyed their holiday.
I’ve been wanting a laptop for personal use, then that want turned into a need when I got the consulting gig.
I went into Walmart today to get $5, Christmas PJs for my great nephews, a tradition, and a tv 📺 for my mom, she was to pay me back, I didn’t get the tv, Walmart was out. Well low and behold Walmart had a HP laptop 💻 for $149. I checked the specs and the reviews while in the store and they were pretty good, so I purchased it. I didn’t need anything fancy, just something I could take along, type notes, track things etc. This laptop will come in handy for my site visits to the facility for sure. I was told I could use this purchase as a business expense. I’ll have to check with the accountant since I’ll be using it for both personal and business, primarily business though. I’ll also have to adjust the budget, rather than paying $730 on the CC 💳, I’ll be paying $581, since I bought the laptop.
On a different note, yesterday was pay day 💰 I was surprised to see my money hit the bank on a holiday. I paid bills, the minimum on CC10, I’ll be adding the extra payment next week. I entered my student loan and car insurance payments into the registry, so that I have a better idea of my balance.
Things are a little crazy but hey, over all I had a good holiday.
Hope everyone had a great holiday.
Happy Thanksgiving to my favorite frugal family, Saving Advice Bloggers.
I love having the ability to track my electric bill daily, it helps me to manage my usage.
Yesterday was closing and I was at $69, I figured by time the bill generated today it would be about $72. Well I logged in and the amount due was $71.84. Yay!
On average I think the bill was about $130 a month. When SO other left, it was August and that bill was $158.67, the bill has consistently decreased since he left. I’ve seen about a 45% decrease. Honestly all my bills have decreased since he left, water, electricity, cable even my food and household items purchased have decreased. Though we lived somewhat like roommates, he cost me money. Honestly, though we remain friends, I’m glad he’s gone. That’s a different story.
I can’t wait to see the bill next month. I’m in Florida so we don’t have much of a winter ❄️; however, there are days in that it’s nice and cool and I can open my windows vs using the AC.
I’m considering a timer ⏱ for my water heater. Unfortunately, after I YouTubed how to install, I think I’ll feel more comfortable with an electrician installing vs. myself. I’m also considering a smart thermostat for the home.
Guess what? I may have an opportunity to pick up another consulting gig. It’s a smaller company, and I will be their virtual HR practitioner. Because it’s a smaller company, and I won’t have to go in, I’d charge $200 a month. I pray I get it. That would mean an extra $1,000 a month total.
Other news, I’ve told my sister to stop calling me about things that are on sale, well she called today about QVC’s special value, a Roomba 🙄🤦🏽♀️. I just told her okay and hung up.
I’m so glad that I’m in a better place with my finances.
Today I did dine out, $8.51, I just felt like Mexican food and I was tired of eating the left overs from Sunday. I’ll freeze the rest of the leftovers tonight
Received my first consulting gig payment today, $800. I’m so excited. My mind is all over the place on what I should do, save, debt, retirement. I realize that I really need to stay focus.
I decided to deposit the funds into my savings account and not touch it. One, my legal situation with my brother hasn’t been finalized as of yet, and the goal was to beef back up the savings to at least 3 months of expenses before I tackled the debt, gazelle intense. So the key is to focus.
I’ll stick with bumping the savings, plus I’m not sure how consulting will impact my taxes.
I was playing around with the MSMoney Software and I can track so many things regarding the consulting gig. I can track projects, mileage, invoice and document payments. I was worried about how I was going to account for these things. Feeling great about this.
Other news, things were crazy at the office, I ended up missing lunch and buying a $3 slice of pizza 🍕 on the run 🙄🤦🏽♀️
I sat in on Vanguard’s webinar EFT vs mutual funds, I think I’m more confused than I was prior. But I’m determined to learn more about investing
Day three for me and it’s been a no spend day. I also stayed away from sodas today 🥤 😃.
Regarding the consulting gig, I’ve managed to crank out three policies and a non-compete agreement. Thursday I go in for my weekly check in, hopefully things will go well. I’m keeping a spread sheet of my time, and mileage.
Friday, I have a HR conference, and looking forward to it. One, I always love learning, and two, I just need a day out of the office.
Health news, I finally got my mammogram done. For some reason I kept forgetting about this 🤦🏽♀️🙄. My employer has a wellness program, I received 400 points for completing the mammogram. I’m hoping to earn enough points to get an Apple Watch ⌚️. Right now I have a total of about $225 in gift cards in wellness credits, and $50 with Fetch. Not bad.
Ugh received my tax bill and it’s $2,000, the ad valorem crap that’s on the invoice, I voted no on before I owned a home. It ticks me off that people don’t educate themselves before voting on things. That’s a different topic.
My insurance renewal came in at about $950, not bad compared to other rates.
Now when I check my escrow account the balance is about $4200, so it’s obvious I’m well over. Now I need your help. Given this years taxes and insurance is about $1200 less than estimated. What should I expect? 1) will I get the money back? 2) Will it rollover to next years and my monthly payments reduce? Or 3) I’ll receive a refund, and payment will still reduce?
Next I have an event tonight, I’m wearing a dress in my closet. My sister calls to tell me she found me a jumpsuit. I tell her I don’t have the money and I’m wearing my dress. She insists on buying and I pay her back. I told her no. What is wrong with people?
This has been a great week. First I got the consulting job, next I received the credit, finally, from At&t for the cable boxes, now I have a $6 credit. Now that the AT&T issue is resolved, I’ll sign back up for auto pay.
I adjusted the budget for next month, since I don’t have to pay anything for cable, super excited about this. $71 saved
Praise God, I got the consultant job. I’ll bring in an extra $800 a month. The good thing is that I will not have to reinvent the wheel.
Plenty of the things they need, I have in hand.
I’m both excited and nervous