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Browsing posts in: Monthly Spending

The Tides are Turning

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My position is secure for the foreseeable future. An agreement has been reached for full time hours on a contract basis with an annual bonus based on gross sales. This agreement will be finalized shortly and begin within the next quarter.

I’ve received wonderful feedback from my part time job with a “promotion” in title only. They have been very pleased with the sales and marketing work and results I have been doing on their behalf. Sales from catering are up significantly over last year.

The kids are all doing well and mostly independently adulting. And I am able to focus.

I’m excited about my work. Passionate to serve the clients and help growing their businesses. Excited to grow and mentor a young team. And so grateful to work with someone I trust and who shares my faith.

The tides are turning…

the tides are turning

Year End Goals

So let’s see what the latter half of the year will hold for me.

My end of year financial goals in order of priority:

  1. Grow my emergency fund by continuing to deposit at minimum 10% of all income.
  2. Grow my travel fund for Thanskgiving travel and in preparation for needing to get myself and my kids to Texas when my mother passes. (She has Parkinsons and has been on hospice for two years this coming month.)
  3. Pay off all my credit card debt. (My personal loan #2 will be paid in full next week so I’m not listing it here.)
  4. Stretch goal: deposit $7,000 into a ROTH IRA (that would be $307 a week so I know it’s a stretch. Right now I am depositing $35 per week and have only been doing that for 3 weeks at time of this post. I am continuing to deposit into my Stash investment accounts weekly as well.)

And then it will be time to start planning for 2025. The future is bright. And the tides are turning…

10 years and now I’m free

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The twins started learning to drive right at 10 years ago this fall. And since that date, I have been sharing my car with one or two or even three children at a time. I’ve taught them all to drive, given them access to the car once they are licensed, had them chauffer me because they want to drive, chauffeured them to work and school when I needed the car, and so on and so forth.

10 years of being constrained by sharing my car. (To be clear, this is not a complaint, it’s just what we do as parents.)

The last couple of years has been Beauty…her to work, her to school, or her using the car for fun and errands.

I’ve had to make sure she was able to get to work by 9:30am and picked up at 6pm-ish. And you don’t really notice the limitations that puts on you until it’s gone.

Beauty Bought a Car

Last week, Beauty bought herself a car. She’d been saving since February. And was ready.

And that released me from my final child sharing car responsibility after 10 years!

Freedom to Go

She had until the next day to get her insurance settled. Once she confirmed that was done, I started untangling myself…

No More Extra Driver

I called our auto policy and removed her as a driver on my car/my policy. It only saves about $89 but I’ll take it. We all know this is the biggest bill I have so $89 helps.

No More 9:20am Alarm

I’ve had an alarm set on my phone for 9:20am for the last year. Wherever I was, whatever I was doing, I need to either get home or prepare to take Beauty to work. This mostly came into affect when I work mornings my part time job in catering (2-3 days a week.) I would need to stop what I was doing, let the team know, clock out, run home, drive her to work, and then return to my job. It was never an issue or a burden. It’s just what had to be done.

Dinner Anyone

And now, I can go to dinner 🙂 No, but really, needing to be in town to pick her up from work around 6pm meant no dinners with friends in Atlanta, etc. Or very rarely. I always had to think it through…could she get home okay, was it going to be too cold, too hot, raining? But now, I’m free. I can go, see, do as I want too. So dinner anyone?

Another Transition

Saturday, I just left…I went to a macrame 101 class in a neighboring town, I went to the mall and walked around (no I didn’t spend a time, just walked), I just went…and it was so weird to not have to worry about anyone other than myself. It was also a little sad. I’m sure the web world will take this as a complaining post, but in reality, it’s just another transition I am adjusting to. You just don’t think about these things as a mom until they happen. And suddenly you have all this time, all this freedom. And absolutely no idea what to do with it.