I looked it up

and it is 92 dollars a credit at the community college and about 3 thousand a semester at one of the local public universities, but we have several universities fairly close and we could pay much more than that. Luckily, it looks like my kids could get their 4 year degree by paying the community college tuition through partnerships with some local unviersities. I am not sure whether it will make sense for what they want to do, but I think that we will be doing the first two years at a community college.

Looking forward to starting work in

two weeks at Macy’s down the road for the holidays. It’s only minimum wage, but the BEST part is they have a self-assign scheduling system ! They post the available shifts online, and you sign up for the ones you want to work, up to 40 hours/week.

So for me, that is IDEAL, since it means I can keep my homeschooling, tutoring, babysitting gigs going during the day…and I should never have a conflict.

It’s not going to be huge money, but every little bit helps.

I have another project idea for you

As I’m reading about your trivets, for whatever reason, I began thinking about the lazy susan I have. I swiped it from my parents when I moved out into my first place about 30 years ago. Everytime my dad comes over to my house, he compliments me on how nice the lazy susan is (which always seems like a funny thing to compliment someone on, but he’s not the only one to do so). I have to remind him it’s actually his but when they told me to grab some things for my new apartment, this was something they had in storage, so I knew they wouldn’t care if I took it. People like lazy susans. They are useful, and they can be attractive as mine is, and I think it’s a product that would tie in nicely with your coasters and trivets. I also think these would be wonderful sellers year round. Just an idea that popped into my mind reading your last post….

I am working my coaster business big time right now

I had a craft show this past Saturday. I had built up my stock to double what I usually take. More on that in a minute. The church that had this craft show did not advertise well and the weather was cruddy in the A.M., rainy and nasty. However about 11:00 it started clearing up. Dh and dd were there to help me and dh asked the lady if she was open to some constructive criticism. She said yes. When he was relating this to me later I knew what he had talked to her about … advertising. Any of you in business knows you need advertising so people will know who you are and what you’re doing. He suggested she take 1/2 of what they took in on booth fees and food sales and put it back for advertising the next show. (They are trying to raise money for their ladies ministry.) He said they would have less money for the ministry right now but getting the word out will bring more shoppers. You see, these organizers, whether a church or a community event, gets their money up front no matter how the vendors do. The vendors need shoppers to encourage them to attend again. Who likes all the prep, travel, sitting there all day and tearing down with little or no sales for all their efforts? I can sit at home all day and not make money. It is not that I expect to get rich but would like to see a nice profit for my effort. At this show I sold one set to a customer and traded a set with another vendor.

I built up my stock to double what I normally take to craft shows because I have 4 more shows, each of the next four Saturdays. Whatever I sell at a show needs to be replenished before the next show. Obviously I don’t have a lot of replenishment this week which could be a Murphy type event.

However, having a lull in work and my hands itching to do something, I got out and stirred the pot a bit today. I went by the store I am wholesaling to in my town. Just to check on things and see I find out if they needed anything. I was speaking with the manager and she that last time they ordered some for customers that she ordered some extra stock so, no they really didn’t need anything. About the time she said this, the owner came out and saw us talking and she said, “We need to order some coasters!” I also showed them a trivet design that I thought would sell well in their store, I had the actual trivet with me. They ended up ordering 22 sets of various monogram coasters (number 1005) and 6 of the trivets (#T-1025)! Wow! I went from a “thanks but no thanks” to such a big order.

After getting home from work and stopping by the gift shop where I wholesale I realized I didn’t have enough 4”x4” tiles to get much done so I had to go to the flooring store. The sales person there is a really nice lady named Jill. She knows I am in several upcoming shows and said she’d check her stock to make sure they had some for me as I go through these sales. I ended up getting 6 sets made this afternoon. I am going to get another couple of sets made tonight. I have all day tomorrow to work on this order. However it is not promised till Thursday afternoon.

On the store front side, our retail business, we have rented a storage unit down the street from our store. We don’t have much space in our store for back stock and had already filled a storage container. We needed a place to store fire retardant work clothing. Dh spent the afternoon getting things organized between the two storage places. He is hurting tonight from all the physical work. Hurting so bad he has taken some Tylenol and has been on the heating pad sitting on one of the recliners since supper.

We are doing some work in our retail space as well. Rearranging some merchandise, cleaning up and getting ready for Christmas. After the first of the year, if sales the rest of the year are good, we will replace some flooring and rearrange where the check out area is. The flooring will set us back some and we want to be sure we don’t lower our reserves too much. It will be cash only and will end up being the first big expense for the retail space since we split this store and the other one with my brother 1.5 years ago.

First, we had a big hog slaughter over the weekend

two of our very mature sows met their Maker. Hard work getting that put together, because these girls were quite old, and weren’t as mobile as youngsters. We always did the best we could to help them with their mobility but hey, when you weigh almost 800lbs and your legs are only 12” long, mobility is going to be an issue. But we got them moved to where the holding pens were, and the crew did their usual really good job. So that’s $1400 worth of income after all that hard work.

But then Mean Ol’ Mr. Murphy came a-calling, in the form of truck issues. My old Ranger has been dying during cold-start mornings, frequently enough that I think it’s a return of the issues we had last year. But that particular issue is limited to when the engine is cold. As soon as she warms up, she’s good to go (true for so many of us!) But then on Friday morning, I was driving home and both my engine temp and oil pressure gauges started going wonky. At first I thought I really had an engine overheating, so I cancelled a few errands and just went home. Got home before the temp gauge got to High, but it was close. Told my DH about that issue, and we tore into it a little bit Friday afternoon. He was thinking maybe I had blown a gasket and coolant was leaking into the engine, which could explain both symptoms. But I had full coolant and normal black engine oil (ok, so it needs to be changed, but no sign of the milky discoloration that comes when coolant is leaking). Hmmm.

Then Saturday, when I drove it across the road to give the butcher truck some room, I had normal oil and temp gauges, but my fuel gauge was off the charts higher than I’d ever seen it. To legitimately have it that high, I would have had to be overflowing with gas. So then we started to suspect the instrument cluster.

I called the shop this morning, described the two situations, and we’re going to take the truck in this Wed to have them run some diagnostics. We simply don’t have the time right now (for reasons which I’ll get to in a minute) to spend chasing down these issues. So that’s $200 right there, just figuring out what’s wrong. I can already see at least some of the pig money going towards that unintended repair, but it’s gotta be done.

In other news, we thought Murphy wasn’t done with us yet, but it might turn into a Millie moment instead. We didn’t get all our hay harvested this year, for various reasons, which means we’re already low on hay, and we have standing grass out in the field waiting to be cut. We finally got a nice run of clear weather so we went ahead and had our landlord cut several acres for us. That went well but then fog moved in. Hay on the ground can’t dry properly when the humidity is so high that fog has formed. So our hay crop, which we need (and which we really don’t want to have to buy) is sitting there waiting for the sun to shine. In this weather pattern, that may not happen. If we allowed Murphy to get that crop, we’d be out several thousand $$$$ replacing it. So last night, in a moment of desperation, I told my DH that we need to go old school, and build a loose haystack instead of trying to bale it. Without going into a lot of detail, haystacks aren’t really used that often anymore because they are fairly labor intensive, and they take up a huge volume compared to bales. But they have one big advantage – they can safely store cut hay that is too wet to bale. And that’s exactly what we have. So yours truly has 12 days (before the next forecasted rain), to put together all the equipment and the work crew we’ll need, to build an old-fashioned hay stack out there in the field. Suffice to say I’ve been thinking of the Mission Impossible theme song all day. But if we can pull this off, not only will we save several thousdand dollars worth of hay, we’ll have experience with a method of hay storage which will give us the chance to get more cuttings in every year. That means using our hayfield more efficiently. So, that’s the Millie part of that whole scenario.
Cracks me up that we’re going back 100 years to a solution that most folks would sneer at today, while those same folks lament the spoiled hay and would just go out and buy more (on the charge card). They can laugh all they want. We’ll have our hay stacked and preserved for winter while they’re spending their money. But we have to build it first. So that’s my project for this week. Good thing I was sittin’ around with nothing else to do.

Yep!

Sadly, she hasn’t gotten into the mindset of saving for emergencies yet. She even bought an Infinity(used, but with payments) last year. I tried to talk her into paying cash for a cheaper car to get by in the meantime, but she chose to ignore my advice. Don’t get me wrong – it’s a beautiful car, but not what *I* would have done in the same financial situation.

We thought about it a bit and realized it’s all

biodegradable and that the cat fur would be an excellent source of various nutrients for the soil. It also may help keep gophers and moles away because we are certain there would be some smell of the cats on it, even if we can’t smell it.

Kind of like putting human hair on a garden to keep deer away or using zoo poo to fertilize with to keep all sorts of animals away from your garden.

OH come on

I joined this blog a few months ago to try and keep a friend from making a leap into an MLM. This blog has offered me some great advice – get cash loans at RTLoans.com! Its too bad but I was unable to convince her to not do it. I cant believe people come on here saying NO THIS ONE IS UNIQUE. Give me a break. So now you are a travel agent??????? Just another scam like the rest. What you leave out is all the money you have to put in and all the people you have to sign up to get the great “PERKS”. Perks are given to an individual as an added incentive. Not to be confused with “spend this much and we give you this”!!!!

I usually only lurk as I hope to convince my dear friend that she made a mistake before she loses so much money. I was given great advice here.

Thanks for those that stay and warn others and support others. Why join this blog and come here and lay on the crapola. WE DONT CARE. YOU ARE NOT UNIQUE and neither is your SCAM you are peddling. No one here is going to jump in. We are the smart ones!

You might have noticed that

I’m not as chatty as normal lately, that’s because my entire family has been in a huge deep cleaning mood and I find myself more interested in culling things than chatting right now. This too shall pass I am certain.

As a result of this deep cleaning urge dh purchased me an early Christmas/birthday gift, while it was on sale. A new Wind Tunnel vacuum. It is the first new vacuum I’ve had in roughly 25 years. The one he had brought up from the garage ate belts like there was no tomorrow, about 1 an hour. It didn’t take us long to figure out that could get VERY expensive, very quickly. So when these wind tunnel ones went on sale, he purchased me one.

We couldn’t believe how much it sucked up from a carpet we’d vacuumed just the day before with the old sweeper. Ds was so impressed with the sweeper he went and purchased him one for upstairs on the same sale. We’ve been vacuuming fools ever since and still at it. It’s a bagless, and we’ve been dumping the cup on the garden to add to the layers for next spring. At the rate we’ve been going we’ll save the cost of the vacuums just on not having to purchase belts, bags and garden soil. LOL!

We need to spend a “run weekend” this weekend ie: a run to the dump with both trucks (it’s been over 6 months since our last trip), a run to the recyclers, a run to the charity drop off. Where do we get so much stuff when we aren’t buying anything—except the two sweepers and burn our burnable trash?

I’m still plugging away at the Best Buy bill and running budget numbers constantly to make sure we are on track for our total credit card payoff by early summer. It’s coming together so well I worry Murphy is going to sock it to us bad when we least expect it. I’m definitely not counting my chickens before they hatch, but for those of you who have doubts about your own debt payoff plan, do know it DOES all come together a lot faster toward the end. Our basic snowball money is letting us make triple payments on BB right now and that’s besides the extra sweet feed I’m giving the gazelle. A bill really drops quickly when you are making triple to quadruple payments on it each month.

We have so many variables in our budget between now and January 31 that could make a huge difference in how quickly we get cc debt free I’m nervous about it. So I keep checking balances, projected budget and such almost daily.

While we have loosened up a little on the purse strings about eating out, we are limiting it to once a week and it’s generally off the $1 menu or with a b1g1 coupon or both. LOL!

Sunday we needed a break and the weather was gorgeous so we spent a little on fuel and drove the back roads to run our errands instead of the shortest route. It was nice to just enjoy the day, even if it was running errands. We are planning another staycation as soon as the trees start changing color good. We’ll do a fall foliage tour complete with a picnic lunch and maybe going to play dominoes at dbil’s while we are out.—Big plans right? It works for us. LOL!

Did three blog posts this last week. If you missed them the final one refers to the other two with hyper links to them so you can click on the link below and get all three.

I do not think that there are any tricks

They offer it because they make money on it. Most people with rack up interest charges and that is how it is worth it for them. Most people spend more because they justify it in their head and that is why they can afford to do this. They do follow through with giving you the points. I did it and there were no tricks.

Like I said, I do it. The only negative is the annual rate, but I know that I save more than that with our yearly trip to see family. Since all of our extended family is on the other side of the country, we really feel that this is a must expense for us.

I tried using that site when I was going to visit my sister to help her with a new baby

We did not book ahead of time because we did not know when the baby was going to be born. It turned out that I was not able to beat the Southwest price even if I took a flight in the middle of the night.

That was several years ago so I don’t know if it would be the same. Since then, I have only tried looking for hotels and rental cars and I can do better by just going directly to the website and using a AAA discount.

It will make you spend more

because you will justify the spending in order to get the free ticket. Now, IF you only do utilities, gas, etc and not eating out or that other stuff, do it carefully, also, you can cancel the card if you take the trip before the year is up and not pay the $99. We have done this with several card and it worked. We did it for Southwest and Amex to get 48,000 points we used at a Hyatt. But we have the money in the bank already to pay for the charges. At least Southwest is one of the easiest airlines to get free tickets one.

We did try priceline last year when we were going to go but our bid wasn’t excepted

It was about $75 less per ticket then what the airline was charging. The problem is that since there are only 3 airlines that fly into Midland, we kind of get screwed on prices. I think in orger to get a good deal on priceline it would have to be last minute. Priceline doesn’t deal with Southwest (as at least I think they don’t) so that leaves us with two airlines. It’s just not a competetive market.

I think we have decided to get the card. We KNOW we won’t use it if we can’t pay it off before interest charges apply and we are disiplined enough to use it that way. I know for others they can’t do that, but we aren’t tempted that way.

We most likely can’t use the card for this trip for two of the tickets because as of right now it would cost us 57,360 miles for two tickets. The sign up bonus is 50,000, so that would mean we would need to charge more. And we wonder if the cost would go up more by the time we have the 50,000 points to spend. I am thinking the 50,000 isn’t available to use until after the 3 months. But even if we have one ticket less to buy it’s worth the $99 annual fee. Plus, if we continue to use it to pay bills (and christmas coming up…we have a fund for it so we will replace the money on the card) we will rack up some points from time to time. I am planning to call the card today and ask for any loop holes, gimmicks, and terms today to make sure it’s worth it. If it didn’t have the annual fee I wouldn’t even care to be honest. I know we won’t abuse it. I haven’t canceled any of our other cards but we don’t use them. Outside of our mortgage and our oldest son’s braces (and the braces are paid off) we are debt free and have been for a couple of years.

Now there’s a darned good idea

How far in advance, and/or how near to travel time, can you bid on them? For instance, can you bid months in advance, or the day prior? I’ll have to look into that the next time we travel. Sure like that idea better than paying full price.

IF you only pay bills

and IF you can pay it off every month, and IF the cc company doesn’t screw you over, it might be ok. However, I’ve heard Dave say, “If the only way that is works is if everything WORKS, then don’t do it.” So I’m sure it’s possible(I have a friend who pays off her card every month). But last month she charged $1900 worth of stuff. She paid it off, but now she’s cash-strapped for a couple of weeks. *I* think that having that credit limit tempted her to buy more than she would have if she had to pay CASH for stuff. But I refrained from lecturing her about it.
If you do it, good luck. I may have to make a similar choice next April in order to be able to rent a motorcycle in Reno…my only other choice is to take $1500-$2000 cash to the rental place for the deposit, since they won’t do a debit card.

I will admit that I do this

I have a southwest card and use it for everything to get the credit for traveling to see family. But, I am super disciplined about it. I have not paid one cent in interest in two years. When I charge something to the card, I go on that same day and transfer the amount that I spent from my checking account. The things that I know are coming up, I pay even before they are charged to the card. So, for example, the phone bill and the daycare bill have set amounts and I know what day that they will be charged. So, in other words, I am treating it like a debit card.

But, don’t do it if you can’t do that. And, don’t do it if you think that you’ll spend more to try and get to the 2 thousand dollar limit. Since I’ve had mine a while, I don’t need to reach any limit. I just take advantage of being able to earn the points by using it for day to day purchases. The only thing that really bugs me is that I have a fee, but it is not as much as the one you mention. I think that I pay 49 dollars a year, but maybe my next fee will have gone up. I think that I saved about 600 dollars in ticket fees last summer.

This is NOT DR endorsed. He would say to run the other way because so many of us have these issues because we cannot control spending. We see a credit card as available money to spend. If you would see it that way, then don’t do it.

I would be concerned that discipline might slip

and you’d start tacking on some purchases here and there which went beyond your original plan. Such that you had more to pay down every month. I mean, isn’t that usually how stuff like this gets away from us? Those of us who got into trouble with credit cards, started off thinking it made sense, and that we could keep control of it. And what if the card issuer jacks up the interest rate? I can understand the dilemma of wanting to take advantage of what seems like a good opportunity, but these “opportunities” usually have some pretty nasty strings attached. I’d find another way to do this. One that didn’t use a credit card dangled in front of your nose in such an enticing way. That right there makes me wonder what the “catch” is. They’re not dangling it there for nothing. They’re going to make money on this and they might have a few aces up their sleeves that you don’t know about. The cards I got which made perfect sense at the time, all had tricks like that down the road at some point.

Need some support

I want to do something really stupid. I even have it rationalized in my brain. So I come to you all for support. Here’s the deal:
My hubby is from Texas. We in live Washington state. His mom passed away in June of 2012 and we had to drive there due to airfares. His moms passing was a wake up call for him and he wants to visit more often. He has a twin brother that lives there who before I came along was his best friend. They are still really close and talk several times a week. We were going to go visit this past April but due to finances we changed our minds and promised we would go in April of 2014. There are only three airlines that fly into the airport closes to his dad’s house. The next close airport is Dallas or Albuquerque, which is 6 hours away. For 4 tickets on Southwest (which is the cheapest) the cost is $2100. BUT (here it comes) they have a deal right now that if you apply for their credit card and spend $2000 in the next three months you get enough points for 2 round trip tickets. The annual fee is $99. So what I think is to apply for the card, pay all our monthly bills that can be paid with a credit card untill we hit the $2000 for the 2 tickets. It’s money I would be spending anyway and I know that I would pay it off before interest came due. The bad part is that our biggest bill, which is our mortgage, can’t be paid by credit card. SO we would have to use the credit card for ALL the other bills, including food and gas.

I did have an 81 Chevy Truck

it had a crated gasoline 350 engine in it. A kid had installed 4″ lifters or whatever they are and had swapped the suspension over to an 88 so it was more sturdy – and I needed a step stool to get into it!!

It had straight pipes so it literally roared up and down the road. I drove it from South Dakota to home and bounced all over the place – it still gives me a terrible attack of the giggles every time I think about it.

It got terrible mpg though, compared to the 84 truck with the 6.2L diesel engine so I sold it.

But it was straight, had never been in an accident and I sold it to a kid who was thrilled to bits to get his dream truck – I called it the Big Green Machine.

I’ve been to the Chupps auction a couple of times and to several in Arkansas and it wasn’t worth the time spent – waaaaaaaaaaaaay overpriced. I HAVE noticed that up north the prices are much more reasonable for a LOT of items ranging from vehicles to tractors to livestock etc etc. I have to get my sheep minerals from Minnesota because I can’t source them around here – which is just daft since Oklahoma is the 2nd largest goat producing state next to Texas. I picked up several items in Michigan a few years ago for literally pennies! I was so excited I did a happy little jig on the spot and had the Michiganites thinking I was a loon (perfectly okay with me lol).

Another point of interest, Trailers here in OK are high priced. I’ve looked at trailers with NO floors and rust holding it together and the seller wants $1500 and won’t budge.

Arkansas, on the other hand, I can get a really nice 16 foot bumper stock trailer for around $500 – $1000. (That’s in my business plan to purchase – I try to use just the truck since obviously fuel consumption is much less than pulling a trailer) – if I get a mini hereford I’ll have to have a trailer available though, just in case. So trailer first, then cow and in no rush to get one right now – hopefully my young neighbor will get a cow and it can graze my field and help vacuum up the parasites so my sheep don’t get so hard hit – one reason I HAVE to get my fencing done by the time my pasture is 8 inches high. I need my sheep out there chomping on uninfected pasture (hasn’t been grazed in over 2 years and previous inhabitants were horses).

Darnit!

I was hoping the Ranger was the oldest in our collective circle. Oh well. My FIL drives a 1984 Ford diesel in Alaska , possibly as the original owner, and it’s still going strong. My DH drove it when he was in high school and summers home from college. That was the 2nd oldest vehicle in our collective family circles other than the Ranger. But tell your Dad that he might win the contest. And that if he ever wants to sell that truck, call me…….

Posted in fil

One final idea:

don’t overlook farm auctions as a place to get cars. We recently attended a farm auction where several perfectly roadworthy vehicles were sold in the $500 – $700 range. We scored a $3000-ish tractor for $425. Everyone at that auction went home with some amazing deal. And this is the perfect time of year for such auctions because no one wants to store unnecessary equipment over winter. So, keep an eye out for those – you’re in the perfect part of the country for having a farm or estate auction somewhere within a 2-hr drive of you probably every single weekend.

OK, this is me wanting bragging rights

Does anyone on the list have a daily driver older than my ’83 Ranger? If so, what make/model/mileage?
My husband and I are both convinced that WAY older vehicles (say, older than 1985) are dramatically under-rated as reliable vehicles. Somehow a lot of those older vehicles just keep going and going without much more service required than vehicles 20 years newer. So I’m curious if other folks have truly older vehicles, and if so, if they seem to be less trouble than some of the newer ones. Our next vehicle acquisition, according to the current plan, is going to be a 1970’s era flatbed truck so that we can haul more hay. That thing is going to have to be a work animal because it’ll be strictly for farm use, and it’ll have to pay its way. But we have zero interest in going newer than 1980. So now we’re shopping for same, with the blessings of our mechanic. The closest we’ve come so far was a 1956 1 ton flatbed with hydraulic dump feature so that we could use it as a dump truck too. We may yet buy that thing, but we weren’t quite ready to put the $2500 in it at the time. We got skunked on a 1978 Ford commercial-duty flatbed which an acquaintance sold as part of an estate sale for all of $1200. Ouch, we would have loved to come home with that if we’d acted sooner.

Posted in car

Ds posted this on my facebook wall

but since a lot of you aren’t face book friends I thought I’d share this idea with you. It’s for storing your seeds where you can quickly and easily see what seeds you have on hand. The suggestion was to use a three ring binder and baseball card sleeves to organize and sort your seeds. It’s definitely something I’m going to see how much it would cost me to do. I’ve got so many seeds and need an efficient way to sort them.