The Dog Ate My Wallet

The Dog Ate My Wallet

Personal Finance in a World of Excuses

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Remembering

On September 11, 2001, I had 2 job interviews scheduled. C and I had just moved to Seattle over Labor Day weekend and were actively job hunting. I had to get up early that morning and drive through a strange city to get to the interview. It didn’t help that I had just gotten my drivers’ license in August.

So I wasn’t paying that much attention to the morning show DJs who were babbling about something happening, and that maybe it happened on that day because 911 was the emergency number for the US. I went to the interview without realizing what had happened.

I don’t even remember meeting with people that morning, though I’m sure I must have. I also took a test or two in a large and kind of dark conference room. It wasn’t until I was leaving, and I caught a glance of the TV in the company’s reception area that I had any idea what was going on.

I made it back to the house we were staying at and turned on the TV. At some point, my phone rang. It was my mother telling me my brother was okay (he was still in the service then an stationed at a base in Baltimore), but that he hadn’t been able to get ahold of our father. Could I pass the message on to him.

Overall, it was a surreal morning. In some ways, it reminded me of Oklahoma City, except that on that day, I had been at the student union, surrounded by people, and this morning, I was alone.

I did go to my interview that afternoon. It didn’t occur to me not to. It was with an agency, and while I was waiting, a woman walked by and told those of us in the reception area how amazing we were for even showing up that day.

 

I believed that day, and I still believe, that the only real response to an attack of that nature is to not let it change who we are. I believe in remembrance. I believe in honoring those who gave their lives to save others- at the Towers, at the Pentagon. But I don’t believe that someone else’s hatred of who we are should force us to change.

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Sunday Evening Post #60

Monday          $236        Outlet Mall (Clothes)    Allowance
Monday          $    26       Red Robin                        Eating Out
Tuesday          $      9        Safeway                             Groceries
Wednesday   $   4.50    Tail light                           Car
Wednesday   $ 16.50    Best Buy                           Allowance
Thursday       $ 54.75    Best Buy                           Allowance

Monday we went shopping for some new needed clothes and came away from the mall with those and some things that weren’t quite needs, but were good deals and will be useful (nice new pleather coats for both of us).
Tuesday and Wednesday were crazy at work. Crazy. (And the crazy will return Tuesday morning, bright and early.)
Wednesday evening, I went out and bought a new cord for my mp3 player (it was an old Zen that I’d bought refurbished). I connected it to my computer and ripped a few cds and started synching. I then got off the computer, but left the Zen synching and charging. Next morning, it wouldn’t turn on. I thought maybe that when the computer had gone to sleep, it had stopped charging and started using it’s battery. So, I “woke” the computer and left it to charge. But even though it showed it had power (the buttons lit up) it never turned on. I tried to reboot the computer to get it to re-recognize the device. No luck. Now, it wasn’t even registering getting power from the computer. My Zen was dead.
We ran out to CostCo to get me a new one. But CostCo had sold out a few days before. Off to Target. Our Target (which is NOT a small store) claimed they were too small a location to carry anything other than iPods, which I didn’t want. So, Best Buy it was. (Have I told you the story of why we try to avoid Best Buy?) I got a new Sanza mp3 player, and am quite happy with it.
I had just a little bit of time to get the music I wanted on it and then go get on a plane to FinCon. FinCon was awesome.
C may or may not have spent money while I was gone. I did spend money, but only the cash I had planned to spend.

I’m not listing the goals this week, because there wasn’t much progress on any of them. Other than my “be healthier” which I did mostly good on. I walked both Tuesday and Wednesday at work. I walked 2 miles Friday, Saturday, and Sunday mornings before the conference started. I wrote down everything I ate, but I doubt I made my calorie count any day. Saturday especially was bad. I had a Coke and 4 pieces of pizza.
And I paid for it. I felt awful Sunday morning. But I got up and walked and then went and got myself a yogurt smoothie.

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How to save money without giving up your social life

This post is part of a blog swap. It is written by Rich over at Money Wise Pastor. You should head over there and read the post I wrote on this topic and then stick around to check out the rest of his site.

How do you save money without giving up your social life?  That’s the topic of a blog swap I’m participating in today with other bloggers in the Yakezie.com challenge.  I’m glad for the opportunity to share this post with the readers of The Dog Ate My Wallet. And excited about hosting a post by Erin over at my blog, Money Wise Pastor.

 

When we decide we need to cut back on our expenses in order to save money or pay off debt, one of the first places we are told to look to cut is in the “entertainment” category – things like eating out, going to movies, going to clubs, and attending plays, concerts, shows, etc.

 

From a strictly financial perspective, it might make sense to cut back significantly in these areas because these are often considered “extras” and certainly aren’t as vital as paying the rent or mortgage, keeping the lights on, and keeping gas in the car.

 

But cutting back on entertainment can have a negative impact on another important aspect of our lives:  our social life and our connections with friends and family.

 

These decisions are especially difficult for me.

 

My kids call me “the fun one” because I’d eat out all the time if I could, and would find something fun to do every night of the week if my wife would let me.

 

She won’t.

 

Which is why they call her “the real one.”

 

Social and entertainment costs can add up very quickly for our family with five kids ages 6-14.

 

Over the years, we’ve discovered some great ways to save money on entertainment costs while still maintaining an active social life and having lots of fun.  Here are a few tips from our experience.

 

8 ways to save money without giving up your social life

 

  1. Plan in home get-togethers with friends. We have a standing “dinner date” with five other families from our church every other Sunday evening. We rotate homes so each family takes turns hosting. Everyone brings a dish to share, so we enjoy a meal together and lots of great conversation.  Most times we take 20 minutes to share a Bible lesson and to pray for one another too.
  2. Watch for free events in your community. I keep my fingers on the pulse of what’s happening in our community, and am the go-to guy when my friends are looking for something free to do.  Later this month, our city, Grand Rapids, Michigan, hosts one of the largest art competitions in the world – Art Prize. For three weeks, approximately 1,500 works of art will be displayed within a three-mile radius of downtown. This is one of our favorite times to get together with friends and family to go see the art and vote for our favorites.
  3. Make the most of your club memberships.  Some of our friends and neighbors are members at the same health club as we are, so we plan times to go there together to swim as a family or play games in the gym or rock climbing wall.
  4. Volunteer for concerts or events you want to attend.  Two weeks ago our entire family volunteered for the Grand Rapids Mud Run, where over 5,500 people ran a 5-K race through a mud course.  We had a blast volunteering together for about 6 hours.  We received a free t-shirt, enjoyed a free lunch, got to run the course with other volunteers after the official race was over, and saved $175 because we didn’t have to pay the $25 per person entry fee.
  5. Buy a few appetizers instead of expensive entrees.  When you just HAVE to go out for dinner with friends, you can enjoy the experience and save money by buying a few appetizers instead of expensive entrees.  Or, sometimes my wife and I will choose one or two appetizers plus one entrée to share. And of course, you can save on beverages by drinking only water, or limiting yourself to one purchased drink.
  6. Max out your museum membership.  We buy family memberships to several museums in our community and we frequent them a lot. In fact, we go to the art museum at least once a month because of the weekly kids art workshops, which are free to members. Museum memberships are often tax deductible, which is an added bonus, and the money goes to support a good cause in your community. Plus, a couple of times a year, they offer special members-only receptions, parties, and exhibits, which are great if you enjoy getting dressed up and watching or meeting people.  Our $60-$100 a year membership (on average) gets us into these events just the same as the people who donated millions of dollars.
  7. Check out cultural attractions from your library.  Many public libraries loan out passes that are good for free admission to sporting events, museums, theaters, zoos, and other cultural activities. These are usually in limited supply and are first come first serve, so ask your librarian for tips on what days or times are best for you to try to get one.
  8. Participate in clubs that give prizes.  Each summer, our kids sign up for our local library’s reading club and commit to reading a certain number of books over the summer.  When they complete their commitment, they receive a prize pack which includes tickets to minor league baseball and hockey games, vouchers for free meals at several restaurants, and more.

 

Saving money doesn’t mean you have to give up your social life.  It does mean you’ll need to get creative to find ways to do the things you enjoy doing without it costing you as much money as before.

 

What else would you add to my list?

 

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I’m Away…

By the time this posts, I will hopefully be enjoying myself at the Yakezie meetup at FinCon.

I do NOT have a smart phone. (I might get one in a couple of weeks, but that doesn’t help for this weekend.) That means I will not be posting live updates to the blog or to twitter. I’ll try to check in on twitter in the evening, but I might just be having too much fun.

To keep you guys entertained. I’m participating in a blog swap that goes live tomorrow, so you’ll have something to read here.

There will not be a What I’m Reading post on Saturday as I haven’t read many blogs this week, between getting ready for vacation both at home and at work. And I get home late on Sunday, too late to do my usual Sunday evening post, so look for that sometime Monday (late) morning.

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What Messages Are We Sending?

I am a flaming feminist. That will come out clearly in this post. If that bothers you, you should probably stop reading now.

 

Thing 1 This weekend, we babysat 3.5 year old P for about 25 hours. We had a great time with her, but something happened that bothered me a little bit. I had just put her in her car seat to take her to the park. It was just she and I, but she said “Girls don’t drive.” I said “Yes, they do. Girls can do whatever they want.” She then reasoned it out “Girls can drive when there aren’t boys around.”

Here’s the thing. I know her parents. This is not a message they are trying to teach her. I know for a fact that she’s been in a car with me driving before, and with her mother’s other friends driving.

But her mother was in a very bad car accident a number of years ago that necessitated numerous back and neck surgeries. She still doesn’t have full range of motion in her neck, so she doesn’t drive unless she absolutely has to. It’s a safety issue, as checking her blind spot can cause her back to go out.

I don’t know that P has ever been in a car with her father when her father didn’t drive. Later, when we went back to the park with C might have been the first time she’s ever been in a car with a man and a woman where the man didn’t drive.

Again, it’s not that her parents are trying to teach her anything about what girls can and can’t do. Her mom is the primary earner in the family, and as much of a feminist as I am, but kids don’t always hear the words we say. They do notice the actions they see every day.

 

Thing 2 There have been two VW commercials that have really been bothering me lately. (Both of our cars are VWs, and I love them, but that doesn’t mean their commercials can’t get on my nerves.) Both of these commercials have been for their current 5 years, 0% financing for gas models promotions, and are the only two commercials I have seen for it.

In one, the husband is on the phone to his wife, claiming to have clearly dominated the salesman in negotiating the deal, while trying to placate the salesman without his wife hearing. In the second, the husband is in the sales office with the salesman, arguing about the designated hitter role in baseball, while they are pretending to negotiate. The wife and daughter are standing outside looking in, commenting on how dad must really be giving the guy the business.

These commercials drive me crazy. They bug C, too. Here’s the thing, they manage to be un-empowering for both men and women. Men are presented as having one job to do- negotiate the best deal for their family, but the deal is so good, they can’t even really do that. They have to pretend. But women are presented as being passive in the process. At best, they can stand outside the window in awe at their man’s abilities. At worst, they don’t even get to show up at the dealership.

Couldn’t VW, in one of these cases, had a woman in the negotiating role? Either as the customer or as the sales agent. It wouldn’t have changed the message they are trying to get across- that this is such a great deal, you don’t even need to negotiate. But it would change the message we are sending kids. Because right now, girls don’t negotiate. Girls don’t even buy cars. They stand around and wait for the man to do it.

 

Connecting the Dots Other than the subtle ways in which we send messages to our kids, and me being a ranting feminist, you may wonder what in the world these two things have in common. And the answer is me, and the way I interact in this world, and the way I want my future children to see me interact.

You see, I hate negotiating. It makes me uncomfortable. It makes me uncomfortable when C does it. But I don’t leave the room. I stay there for it. I will participate as need be. But I need to be better. I don’t want my children to see me as a passive actor in any part of our lives, just like I don’t want them to see C that way.

 

Messaging The fact that women in general don’t negotiate is a common trope. There’s an excellent book about it called Women Don’t Ask. And some people want to blame wage disparity on it. And I will be the first to admit that that has some effect (but certainly does not explain all, most, or even 1/3 of the wage disparity). The question we need to ask, though, is why don’t women negotiate?

Studies have shown that in cases where asking falls into the caretaker role of women- ie they are negotiating on behalf of someone else- they are better negotiators than men. That’s right. Women are excellent at negotiating. So we can’t claim that women somehow naturally don’t have the negotiation genes.

The problem comes when women are asked to negotiate on behalf of themselves. And that problem comes from society. It is our job to take care of others. To sacrifice on behalf of our families and our companies. Good girls take what is offered and don’t ask for more. Women who do ask for themselves are seen as non-team players, as selfish, as greedy, as, perhaps the worst insult- un-womanly.

At the same time, men who ask are seen as assertive, great leadership material, etc.

The problem isn’t skill. It’s in perception. And it’s a perception we have all been feeding into for years.

 

Being More Conscious I don’t like to negotiate, but that’s not because I’m a woman. It’s because I don’t like confrontation at all, ever. As a child, I was always- ALWAYS –the first to apologize after a fight, even when the other person was clearly in the wrong. As an adult, I hate doing performance reviews, both my own and with my staff. When there are performance issues, I have to work myself up to address them.

I like compromise, but my natural inclination is to be the one to give up the most, to keep the waters smooth.

In some cases, this pays off. I once took responsibility for a mistake that I could not have made, simply because no one else would, and the founder of the company was on a tear, wanting to know how it happened. My boss pulled me aside and commented that he knew there was no way I could have made the mistake. That was true, I said, but our founder wasn’t looking to fire someone, he was looking for someone to take responsibility and fix the problem. I did both. And honestly, it raised me in his esteem. After I left the company, I received an unsolicited offer to come back to a higher position, making more money than they’d paid the previous person in that decision.

However, in other cases, such as being a boss, I can’t just sit back and smooth everything over. And so, I’ve learned to get past my natural inclination to not speak up, to just let things be. I do this because I am a professional, because I am good at my job, and because I want to grow.

It’s important to me to be able to face up to situations I don’t enjoy in my professional career. As I prepare for motherhood (still in generalities, we aren’t out of the paperwork stage yet), I find that I want to face up to situations I don’t enjoy as a parent. I don’t ever want my child to say “Girls don’t drive” or “Women don’t ask”.

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Sunday Evening Post #59

Day

Amount

Place

Category

Monday

$38.00

FinCon

Allowance

$2,233.00

Car Service

Car

$45.50

CostCo

Groceries

$4.75

Safeway

Groceries

Tuesday

$100.00

Charity

Misc

Wednesday

$25.00

FinCon

Allowance

Thursday

$33.45

Outback

Eating Out

$6.50

Half Price Books

Allowance

Saturday

$71.00

CostCo

Groceries

Well, if you ignore the ridiculous amount we spent on the 80k miles service on our car, spending this week wasn’t bad at all. And we do plan for the car costs. We knew what this would be going in because it wasn’t just a service but also replacing the timing belt and a transmission service, as well. And considering our car only gets its oil changed every 10k miles, which right now takes us about a year to drive, this isn’t a huge cost. When we had our Saturn and commuted 100 miles every week day- then we spent a ton of money on the car service.

Tuesday I donated $50 at Watsi.org, and C and I both donated to a couple political causes we believe in.

FinCon is almost here! I spent money reserving my round trip travel to and from the airport and also ordering myself new business cards. I should have them Tuesday, and I’m pretty darn excited- except that I forgot to put my twitter handle on them. Oh well, I can hand write that on.

We’ve been putting so much stuff on the credit card (and paying it off before any interest is charged) that we currently have enough points for a $100 Amazon card, but we’re not getting one just yet. The points aren’t expiring anytime soon or anything, so we’ll hold on to them in case I need to travel again.

 

We are over half way through 2012. I revised some of my goals because life took some turns I wasn’t quite planning on when I came up with them.

1)      Be paid for publishing one piece of fiction

Submissions so far: 2

Responses: 1 rejection 1 acceptance

The anthology I had a piece accepted to is now available to buy on Amazon. It’s called Conquest Through Determination.

2)      Pay All Adoption Expenses in Cash & Still Pay for C’s College Out of Pocket

We’re doing good here. This was helped tremendously by getting 3x as much in life insurance from the MIL than expected. Our savings is still growing, and we’re in really good shape

Make money publishing my next art/fiction book

This is on hold for now. However, I did have a chance to talk with the artist I want to work with on Friday, and her life has settled down, so there’s a good chance we can start work on this sometime in June. (When my life settles down a

bit.)

3)      Attend FinCon12. Pay for the trip with money from allowance/side projects saved/earned BEFORE the conference starts. Goal: $600

THIS IS LESS THAN A WEEK AWAY!! I am so excited.

Conference attendance paid for. Tickets paid for. The only things left are food and hotel. I need to bring cash for the hotel part to hand over to the most awesome roommate ever- Jana from Daily Money Shot. We’ve been online friends for two years now and I cannot wait to meet her in person. I probably won’t have enough in allowance to cover all of it, but it won’t be far off, and the biggest expenses are already taken care of.

 

4)      Become a member of Yakezie (6 month anniversary is Jan 21)

I did not make Epsilon class. My Alexa ranking had gone too high. I think there will be one more class this year, so we’ll see if I can get my numbers back down to under 200k. I need to join the teams again, as that helps tremendously. And now that we’re done with all the house stuff for the adoption, I should have more time to participate.

Current ranking: 282,002

It’s started going back down!

5)      Make money from my blogs.

AdSense earnings: $28.83 at the end of August, with $0.00 made so far this month. (They won’t send me any money until I hit $100.)

6)      Be healthier

Got in my two walks a day every day this week. And the only day I went over my calorie limit was Thursday, when C and I went out for our anniversary dinner. Cheese fries from the Outback are tasty, but just ½ of a ½ order takes up about 1/3 of my daily limit.

Still, on Wednesday, I attended a retirement pot luck and did very well not having some of everything. Instead, I took a little of the things I wanted most and then ate my salad.

Twice this week, I’ve been able to eat my salad with cherry tomatoes picked from my plant. They are SOOOO yummy.

This Sunday marks 1full month since I started the diet. The new jeans I bought not so long ago? I got two different styles, and one style, I can pull off without unbuttoning them. I haven’t lost a ton of weight, but I am starting to notice what I have lost in the way these jeans and my work pants are fitting. That’s pretty nice.

I’m also planning on trying a NIA class in two weeks with my friend who wants to be a NIA instructor.

Plus, in taking the 3.5 year old we were babysitting to the park this weekend, we realized that there are free tennis courts only a few minutes from our house. C and I might look into getting ourselves some rackets and playing a little bit of tennis. We’ll have to see.

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What I’m Reading: Kids and Family Edition

Today, we get to babysit a toddler for friends. The little angel demon (I know this child) will arrive around noon and will be at our house until tomorrow morning. C and I are both looking forward to it. When her mom asked if she could stay the night (so that mom and dad could not only have an afternoon, but a whole night to themselves) and I said yes without a second’s hesitation, she asked “are you sure?” Here’s the thing- we want to adopt. If we can’t handle one night with a child who meets all of my ideal qualifications- verbal, mobile, potty trained –then we’re in trouble. No, we’re both looking forward to having her over.

And that gives rise to today’s theme for what I’m reading. It’s the kids and family edition.

 

Let’s start with Broke-Ass Mommy. This post isn’t so much about her daughter, but it is about family relationships, and how her husband recently saved her from both a bat and a snake, enough to give anyone a case of the A-Weebie-Jeebies. I had to laugh, because growing up in a rural area, my cats had been known to bring both into the house- dead or alive.

Jana of Daily Money $hot got to spend the summer being a stay at home mom for the first time- and she was good at it. One of the lessons she took away from the summer? Lessons for our kids pay off, in more than just the obvious ways. She writes My kid’s love of swimming could help with her financial future, and she does this without once mentioning the prize money from a future Olympic gold medal. What a grounded mom she is.

Debt Black Hole is a place for personal finance and geek culture to meet, so obviously I’m a fan. To make me more of a fan, this week, there was a guest post from my good friend Average Joe (and he was everywhere this week) about How Board Games Help Your Pocketbook and Financial Planning, but what it’s really about is how board games can bring a family together in a fun and interactive way. You can bet there will be game nights at our house.

Andrea at So Over This has written a lot about her struggles parenting a child with Asperger’s Syndrome. But her dilemma this week comes from another family member- an adult who doesn’t seem to want to do anything to help herself. It begs the question- How Far Would You Go For Family?

And finally, we get to my favorite family/parenting oriented blog, Another Housewife. It appears that she’s having some database issues going on right now, but I hope she gets them fixed soon. Am I Sorry? Nope (this link may take you to an error message on the blog) is all about how none of us should apologize for things we’re not sorry for. In this case, she’s talking about how she and her husband choose to raise their kids. Their rules and goals are not a judgment on the rest of us, they are just what works best for their family. And you know what, even though I will likely raise a child quite a bit differently than they do, I agree. You do what works for your family, and don’t apologize to the world for being who you are.

 

And would you believe- we didn’t get a new Yakezie Challenger this week. But that’s okay. I just headed over to the list of all Yakezie Member/Challenger blogs and looked for one I hadn’t read before. Given our theme, I figured Mom’s Plans would fit in perfectly. And I was right. I’m highlighting Melissa’s third update in her Organic Thrifty Food Grocery Challenge. C and I aren’t just starting to eat better because I want to lose weight, but because we want to make the budget shift to mostly organic foods by the time there’s a kid in the picture. For the most part, the chemicals in foods won’t do much to us as adults (and we’re already full of them) but they might cause issues with kids, so we’re looking to make changes. Having a guide along the way can never hurt.

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You Can Never Talk Too Much

Lots of the younger bloggers I read are getting engaged, talking about marriage with their partners, etc. Since today is my 9th wedding anniversary, I want to give them the best marriage advice I know. It’s really the simplest thing in the world.

Get married on a holiday weekend.

I know this may seem anti-intuitive to many people- who wants to share their big day with something else? But the truth is, your day is always a day shared by or with someone else, whether you know it or not. And my choosing a “floating” holiday like Memorial Day or Labor Day, you don’t share the actual date. What you do get is a 3 day weekend right around your anniversary, every year, without anyone having to take a day off. (Okay, this only applies in jobs where you get holidays off, but still.)

The year C and I got married, Labor Day was September 1, the earliest it can ever be. What this means for us is that within one week of our anniversary, there is always a 3 day weekend, always a chance to have a little getaway, or spend some extra quality time together.

We have a number of friends who also have their anniversary right around this time of year, and we all agree- it’s fabulous. And besides, you can always pretend that those big barbecues and parties thrown by your friends are in your honor- but other people might be mad if they realized their marriages weren’t celebrated as much, so you must all keep the secret. (Okay, that might be pushing it.)

 

What else can I tell you from my years of experience? (Which, depending on your perspective might be a lot, or not many at all- my grandparents were married for 65 years before my grandmother passed.)

Marriages in general, and finances in marriage (this is a personal finance blog, after all) require one thing- communication. They do not require you to be on the same page. Sometimes you’re not even in the same book. And that’s okay, as long as you’re talking.

You can meet your goals even if you’re working on different goals at the same time. It might take you longer to achieve them then it would if you worked together toward one then the other, but the joy of communication is that you can decide together what approach you want to take.

 

C and I have had some rough patches in our relationship. For the first two years we were together, we broke up in May. In fact, I had a rule that we had to make it through a May before we could even talk engagement. Both times, the split didn’t need to have happened. If we had simply talked to each other at the start of the issue, instead of letting it build until we just called things off. I’m not saying there weren’t other issues involved- including me being oblivious to C’s emotions at one time.

But here’s the thing- if C had said at the time “you ignored this” or “you didn’t get that” right away, we could have dealt with it. Instead, the resentment on his side grew to a point where he couldn’t talk to me about it without us breaking up.

 

Finances work the same way. If you have a financial goal, you have to tell your partner about it. They might figure it out on their own, or they might not. Why take that risk? Talk to each other. Say this is what I want to work toward. Listen when they tell you what they want to work toward. Figure out the common ground. And do what works for you as a couple.

 

In C’s mind, the most important part of a retirement fund is owning your own house. He grew up seeing seniors getting evicted, or being forced to live in government subsidized housing that wasn’t super great, because they couldn’t afford rent anywhere else. The only older people who didn’t lose their homes were those who already owned them. My grandparents built a new home in retirement. It never occurred to me to worry about losing my house.

But, whether other people agree with it or not, we have the goal of paying off our mortgage before we retire. Even if we buy another house in 5 years, the plan is to have no mortgage going in to retirement.

 

On the same level, C also believes that real estate in general is the way to building wealth. For years, I have been opposed to being a landlord. It makes me nervous. So, while we talked about rental property, we’ve never moved forward on it. (Of course, we now have an out-of-state rental due to the MIL’s passing, and that’s making me more comfortable with the situation.)

 

The point is, we learned our lessons about communication the hard way. And now, we talk. We talk about the easy stuff. We talk about the hard stuff. We compromise on some things, and on others, we each work toward our own individual goals. But because we talk, we both know what those goals are, and we’re not accidentally sabotaging the other. And we also know that those goals feed into our goals as a couple.

 

Communication is the key.

 

And it doesn’t hurt to get married on a three day weekend, either.

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Bloggers Give Back: Introducing Watsi

It’s been a long time since I’ve done a Bloggers Give Back update, so I thought it might be nice to focus an entire post on it.

 

I continue to give to charity- for free. I do this by clicking to give at each of the Greater Good Networks sites. (Click the link, it will take you to the Rainforest site. Click the green button. Then, just to the left of “Rainforest” click “Literacy”. Click it’s big blue button, and just move on down the line.) In addition, I’ve been voting for Old Dog Haven in the Animal Rescue Site’s Shelter Challenge every day. If there’s a local animal shelter you work with, go vote for them. (Or you can always vote for Old Dog Haven of Arlington, WA- we won’t complain).

I also go to FreeKibble and FreeKibbleKat almost every day to answer their trivia questions and donate food to animal shelters.

Do you have 5 minutes and an internet connection? That’s all it takes to donate to charity.

 

My main goal with Bloggers Give Back was to volunteer from the comfort of my computer chair. I must admit, I’ve pretty much failed here. I haven’t even visited Sparked in months. And it’s not like I’m so busy I don’t have 15 minutes to at least look through the current challenges.

With FinCon only 2 weekends away, maybe I’ll revise my goals for the rest of the year and have a goal of working on at least one Sparked project a month.

 

We also give back in other ways. Adorable foster dog Howie is still with us, and we love having him (though at the moment he has a double ear infection and isn’t the happiest of campers). We donated I don’t remember how many carloads of “stuff” toValueVillage, which is a local thrift store supporting a few different charities. We donated her old medical supplies (including her scooter) to a company that will refurbish them and give them to needy people. As we’ve cleaned, I’ve created other piles of items that need to be donated.

 

And today, I found a new way to give. This one isn’t free. I want to say that right off the bat, but you all know how much I love micro-everything- from loans, to investing, to volunteering. We’ve invested with Prosper, C “invests” in new projects he believes in over at KickStarter. When real micro-investing becomes legal, I have no doubt we’ll be on that bandwagon.

At the same time, I think the most valuable thing to come out of the micro movement is the ability to donate small amounts online that add up to one big thing. Kiva is a great organization that lends money to entrepreneurs in developing countries to help them start their businesses. They pay the money back to Kiva, which is then able to donate it to help other businesses.

Well, today, I found a new micro-donation charity organization that speaks to me and my passions. I’ve mentioned before that I would love to move to a non-profit global health organization. But even without making a career change, it turns out, I can help people in developing countries get life saving (or at least majorly life improving) medical care.

 

Introducing Watsi. Watsi just launched this last Friday, and they have already fully funded 14 medical procedures for people living in places fromGuatemala toNepal. I donated to heart surgery for a 14 year old girl this morning. They need less than $200 to fully fund her procedure.

Since this site is so new, you’re not going to find a rating on Charity Navigator or GiveWell yet, but initial reactions from those organizations seem positive. (I didn’t do the research. Here’s the link to the article that introduced me to the site and where the author, being an actual reporter type, did the research.)

I know we have a number of financial bloggers out there who work in the healthcare field, so I’d love to get the word out about this great new way to help people in developing countries get the care they need, even if you don’t have the resources of the Gate Foundation.

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Sunday Evening Post #58

Day

Amount

Place

Category

Monday

$52.00

CostCo

Groceries

Tuesday

$212.50

Vet

Pets

$30.50

Half Price Books

Allowance

Wednesday

$13.00

Papa Murphys

Groceries

Saturday

$174.75

CostCo

Groceries

$154.00

Concert Tickets

Allowance

Sunday

$4.00

Starbucks

Allowance

$34.00

Gas

Car

With the exception of the concert tickets, spending this week was really reasonable. Next week’s will be out of whack because of getting the car serviced, but for now, things look good. For those of you who like to know what concerts we’re going to see Afghan Whigs in November (they are one of C’s all-time favorite bands, and they just got back together this year), and two days before my birthday (and the end of the world) in December, we’ll be seeing Pentatonix– the last winner of the Sing Off. I love a capella singing.

J got back from his Mediterranean cruise last Sunday night, so it’s been nice having everyone home again. It has been a fairly quiet week, our first where we didn’t really have anything we had to get done, and that’s been nice.

Also in happiness making, my cherry tomato plant is starting to bear fruit. I had one come ripe earlier this week and I ate it right off the vine. I’ve got enough coming in now to cover some salads this week. Plus, my bell pepper plant has peppers, and we need to pick some apples off the apple trees. Yay for home grown produce!

 

We are over half way through 2012. I revised some of my goals because life took some turns I wasn’t quite planning on when I came up with them.

1)      Be paid for publishing one piece of fiction

Submissions so far: 2

Responses: 1 rejection 1 acceptance

The anthology I had a piece accepted to is now available to buy on Amazon. It’s called Conquest Through Determination.

2)      Pay All Adoption Expenses in Cash & Still Pay for C’s College Out of Pocket

We’re doing good here. This was helped tremendously by getting 3x as much in life insurance from the MIL than expected. Our savings is still growing, and we’re in really good shape

Make money publishing my next art/fiction book

This is on hold for now. However, I did have a chance to talk with the artist I want to work with on Friday, and her life has settled down, so there’s a good chance we can start work on this sometime in June. (When my life settles down a

bit.)

3)      Attend FinCon12. Pay for the trip with money from allowance/side projects saved/earned BEFORE the conference starts. Goal: $600

THIS IS LESS THAN 2 WEEKS AWAY!! I am so excited.

Conference attendance paid for. Tickets paid for. The only things left are food, hotel, and transportation. I probably won’t have enough in allowance to cover all of it, but it won’t be far off, and the biggest expenses are already taken care of.

4)      Become a member of Yakezie (6 month anniversary is Jan 21)

I did not make Epsilon class. My Alexa ranking had gone too high. I think there will be one more class this year, so we’ll see if I can get my numbers back down to under 200k. I need to join the teams again, as that helps tremendously. And now that we’re done with all the house stuff for the adoption, I should have more time to participate.

Current ranking: 289,099

5)      Make money from my blogs.

AdSense earnings: $28.19 at the end of July, with $0.47 made so far this month. (They won’t send me any money until I hit $100.)

6)      Be healthier

I am still doing well on the diet and exercise. I got in two walks a day most days at work. I missed one Tuesday because of the Vet visit for Junebug, and then didn’t take the second one on Friday because I left the office early. But I did mow the entire yard this weekend, which helps make up for that.

We went to the dog park a few times, and Larry and I took one really nice 25 minute walk.