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Archive for August, 2006

Banking Blunder; Part II

August 30th, 2006 at 07:09 pm

Well, the fall out from my bank deposit last week happened this AM. (I had deposited in error a check from the Dreaded Black Sparkly Blazer customer.........when she had asked me to hold it til the 1st of Sept~ I truly just spaced that out, remembered not to cash the horse lady's check til Thursday....but in went all the checks last week)

Black Blazer lady calls this AM ...early...and crying. Said she was WAY overdrawn at her bank and would I loan her the money back until Friday? I can't imagine getting stuck in that sort of bind. I would never have purchased a custom blazer if I was short on funds.

Anyway, I did it. Not being one to add to the stress in my life......I wrote her a check for a couple of days, supposedly until her paycheck on the 1st. I think I felt worse about the entire transaction than she did; which is really backwards.

I apologized, told her I truly just forgot. I began work on this Blazer of hers in June for heavens sake, and haven't got paid yet. She took the blazer home this month and it seemed like I had been holding the check for-absolutely-ever and I just deposited it with the rest of my Aug checks.

I do expect to get paid. It's a small enough town I will run into her. I do know I won't sew for her again. So, several lessons learned from the experience. (at least on my part. Not sure if she learned anything at all)

Bye Bye to August

August 30th, 2006 at 02:46 pm

Can't believe August is almost a done deal. I was out today and saw the trees beginning to take on some fall color already. Once that happens, whoosh......it will be Christmas and then the new year. I need to remember to take time to enjoy life and not get caught up in all the busy stuff.

I moved the things out of the antique booth up north....and wouldn't you know, August was my best month there! Took everything out none the less and will re price with the others stores price tags and pop them all into the other booth by next week.

Finished a quick little survey on line for an easy $5.00 today. Nice surprise. I don't usually qualify for many of these.

Even tho I paid the mortage this month for the old house (the new tenants are working & paying for repairs in exchange) I'm still doing OK budget wise. More money in than money out and that is always a good thing.

I've continued to keep my automatic savings funded, as well as my money market and my stocks......so far so good. I can stop these if things start to feel tight, but I would rather cut anything else first.

Finished off my month with a quick trip and lunch with my kiddo that moved out in June. Just a couple hours with him and I'm totally exhausted. A nice reminder why I'm retired.

No new plans for Sept, just keeping up with all my little part time jobs and spending the bare minimum on monthly bills.

Rain: The Automatic Watering System

August 29th, 2006 at 10:25 am

Finally, my gardens are getting a bit of a drink.......other than me leaving the hose out overnight. I have no idea how many days it's been since a rain here in the Pacific NW; too many in my opinion.

Todays fine mist can't really be called rain, but it is a nice break from the string of 80+ days we have been having.

Although everything is enjoying the cool damp change, some things are not benefiting from being watered from above. Flowers are drooping, some plants I had not staked are now spreading out to become ground covers and the last of the roses are dropping their petals as they become full of water.

I have discovered I'm such a lazy gardener; any excuse & I'll try to skip out on my regular gardening chores... Todays excuse: Too wet! The most I got done is to pick the cucumbers and check for ripe tomatoes.

First Offer & I Couldn't Do It.....Drat

August 29th, 2006 at 08:26 am

I got a call last night, and the gentleman said it was from an offer I signed up for on line in February! Asked me if I remembered doing that?? Gads, I can't remember much of anything these days, but I just said "Sure, of course I remember!!" Smile

He was from one of the ellusive Mystery Shopper companies I followed links for and left my name with way back when...

He patiently explained what they do, then told me he had a job for me to visit a restaurant in our area, but the catch for me was......it had to be during a 3 day period this week. Since I'm doing more than my usual schedule of things this week, there was no way to fit in a delightfully long lunch in Bellevue (which really isn't just down the road from my place) Drat.

He did say offers usually have 1-2 weeks notice and usually come via email, which sounded lots better to me & my crazy life these days. He also said that turning down "jobs" was not a negative, so there's a chance I can still take advantage of this little program.

Now that I don't have full time kids, this would be fun to grab someone and go out.
And, I have to say........now that I know the program really exists, I might even look forward to the possible email from them!

Going out and having the bill paid; now that is the way to Do Lunch!

No Spending Again Here

August 28th, 2006 at 08:19 pm

Staying home is a pretty sure shot I won't be spending money........heck, I can go lots of places and still not spend money. So, it's another boring but financially satisfying entry here.....no spending of money at all today.

I managed to unload a bunch of stuff on Freecycle and that felt great. Met a half dozen great people, most who were wowed with the garden patch here. Some were down right shocked with the squash jungle that is creeping into the parking area! Got to share info about the website I've been writing for, the gardening site connected with saving advice.

Text is http://www.frugalgardening.com and Link is
http://www.frugalgardening.com

Plenty of questions from most people & I taught a couple how to plant onion sets, they apparently had planted theirs too deep and they don't have onions yet. Mine are getting big enough to think about harvesting now. So, my gardening ego got a few strokes today, which felt pretty good actually.

All in all, a very satisfying day. I can stay very busy right here at home, proving to myself over & over that I do have everything I need and a huge number of things that are just "wants" too.

Private Knitting Student Scheduled

August 28th, 2006 at 08:07 am

Too exciting here. My ad came out in the monthly newsletter for the first time in August and I already have a private student!

This is a smallish newspaper, published monthly & mailed or handed out at local churches. I know the editor and others that were advertising using this little paper & it seemed to work for them.......and I already can tell the increase in calls here.

I'll dig in my supplies to come up with a beginner "kit" for this woman, as I don't like making new folks buy something right off the bat. My frugal genes rearing their heads here.....but if she doesn't like the craft, or is really all thumbs, no money out but my lesson fees. Makes me feel better about teaching.

Since this woman has a small kiddo, I'm meeting her at her place (usually pick a public space, but we're trying nap time at her place). I can see the universe aligning here........ Her house is on the same street as the property in the possible trade/sale deal I wrote about last week! What are the odds?? It's also in the city my antique booth is in that I need to move out of.....

So, antiques, real estate and a knitting class all rolled into one day!

I'm thinking how handy it is to know how to do many things...........and what a bonus it is if others will PAY me to teach them how to do something! Fun, fun, fun!!!

Total Due: $00.00

August 27th, 2006 at 05:41 pm

For the 2nd month in a row, this has been my power bill. I have not sent in a payment, but we're using the surplus in the account from over the winter when I was paying the average payment of $150.00 per month.

Now, the Navy person is paying half of the power bill too.........and there isn't one! Go figure!

If it had been a different time of my life & I was still working full time, I probably would have put some money in the account. But, for these 2 months, it has been a nice relief to not do that. I will start paying the new average payment next month. Good to know we did a good job this past year holding the line on the power used here. (I'm not telling a soul here however, or they will all relax, taking it as a direct message to turn everything back ON!!!)





Nothing to Sit On

August 27th, 2006 at 07:07 am

My lack of normal furniture was really apparent yesterday. For some reason, our house was full of drop in company from early AM til way after dinner. For most people this probably wouldn't have created a problem.........I mean, the people weren't all here at once, but I don't really have a place more than 3 people can sit down in the same room anywhere here.

When I moved, I left most of the big stuff, as well as the custom stuff the kids couldn't ruin or tip over, at the other house..... And, I've never done anything here but sort of "camp out" when it comes to furniture.

We've got 3 (albiet mismatched) chairs around a tiny little table in the kitchen.......and we can "borrow" the chair from my desk to make an eclectic little grouping if we have 4 for dinner (which has been often lately).

I've got a new couch & loveseat in our TV room, but the universal rule of loveseats for some reason is 1 person to a loveseat........which means again, I can seat 3 people.

I think I am going to have to do something here. We had 9 of us milling around at one point yesterday, people would sort of rotate through the available chairs. Fortunately, everyone knows me well enough to just deal with it.

I'll start watching Freecycle more closely for sitting upon sorts of events, to see if I can come up with a comfy, animal friendly, FREE option to solve my guests standing up situation here. When it was just me and the almost never here room mate person, 3 chairs seemed like overkill.

Banking Blunder

August 26th, 2006 at 03:39 pm

I just realized when I checked my DayTimer today that I had deposited a check from a customer prior to the date she told me it would be "good". ICK.

For any of you who remember the Dreaded Black Sparkly Blazer event here..........I finally got that customer happy. She had returned the blazer, saying it wasn't what she wanted. I re did the whole thing and then she was a no show to pick it up. Finally she came to get the garment and then she told me not to cash the check until the 1st. (I had not cashed it until I knew she was happy)

But, for some reason her check made it into the bundle of things yesterday for the deposit........... I don't know if I should call her, or what. I don't know if calling the bank is an option, or if they could catch my error at this point. Drat.

I can't blame this on anyone but me......or the fact that she told me to hold the check since she had spent the money she owed me during the time I was re doing the blazer. Or, that it was almost 80 here yesterday......or that I'm old...... Blast.

Shopping Again.......

August 25th, 2006 at 04:36 pm

That's 2 times this month. A new record. I usually don't go at all.

My store of choice today........The feed store. I needed to pick up the chicken wire for the finishing touches on "The Coop" here....and also a roll of roofing paper. I tried to collect both from freecycle & Craigs list, but didn't get enough, or big enough rolls, so I had to go shopping.

Did the other necessary errands at the same time, banking and gas for the van. Then, straight home.

I'm busy making signs for the room mate persons yard sale again this week end. (she has to be out of the regular swap meet, due to our state fair, so this is her way to make rent) Speaking of rent, she has already paid $400 towards Sept rent & I'm flabergasted. Who knew she would come through?? Certainly not me.

The kitchen is becoming very fragrant...we've got a turkey dinner coming along in there. I just love this, I leave to do errands & the temp person here has dinner just moving right along by the time I get home. We're still harvesting veggies from the garden, so all the side dishes are virtually FREE, which makes dinner all the better!

Better go do my part, frying zucchini pancakes to go with the meal........yummy!

First Payout

August 25th, 2006 at 07:53 am

I have tried some of the pay to read sites, along with some of the survey sites but haven't paid much attention to them actually. They do seem easy here, if I'm on hold for something, I can click my way through a list of them pretty quickly. But, I truly was doing it mindlessly until yesterday.

I got an email asking if I wanted a pay out.....and when I checked a pay out of what....I had $23.00. A pleasant surprise for sure. Of course I said yes, a check would be just dandy.

The things I've learned on this site range from huge to tiny little things like reading emails for pennies! But, my little mindless on hold activity has now added $23.00 to the coffers here. Not bad!

Thanks to all here that continue their generous sharing of tips, ideas and websites. Never think "we" out here aren't paying attention. I thought I was pretty frugal prior to starting to read the blogs here, but wow, I truly was just starting out compared to some of you. It would be fun to know just how much I've saved and how much money I've earned directly related to this site........but nope, that's not an exercise I would do. (numbers make my brain fry) But, I can see by yesterdays surprise that the pennies truly do still add up!

Potential Housemate: I Think NOT

August 24th, 2006 at 07:02 pm

OK, this one was even too weird for me. Parts of his stories didn't jive with what he had already emailed me and the reasons he needed to move were sounding a bit off too.

The whole visit here was sort of painful... well,not really.....but I sure couldn't wait til he was out the door, then down the road.

The roommate person was more than a little afraid I had already told this gentleman (use that term loosely), he could move in. The current temp tenant was almost laughing out loud at me as I tried to be polite, but usher this man to the door.

I'm still way ahead on my Craigslist folks however..........this guy isn't going to make me quit advertising or answering ads there. Not by a long shot. He was certainly good for some dinner conversation however....and quite a few laughs. I'm pretty sure I've never met someone who was wearing sooo much fake hair. He would scratch his forehead and the whole thing would move around. I'm grateful my parents taught me to be polite in any situation....and today gave me a chance to practice my skills. Smile