Finances January 13, 2015
I don’t know why I keep getting myself involved in other peoples finances. I don’t know when this problem first started. I know I did it to Rachel when we worked together. I did it to Amie. Again to Rachel. Then my mom. Now to Nita. Obviously I have issues. I need to focus on getting my own finances in order.
I don’t know how to fix ours. Obviously getting a job would make sense. But I’m not sure it is the right choice for the family. Chris really likes the idea of extra money. As do I. But he is also wise enough to know what that would mean he would have to do more around the house. And really. What kind of money am I going to make. I could work 8:30-2:30. Even if I figure that as 5.5 hours after an unpaid lunch X $8.15 an hour and a very conservative 20% in taxes that is only $35 dollars a day MAX. If I was lucky enough to work 5 days a week that would be $150 which would be great. But who is going to hire me for only those hours during school days. Unless I work at the school. And even then Desi only works 4 hours a day max. That is only $25 a day. Granted the flexibility there is better as far as snow days and that you can say no.
Nita has encouraged me to do eBay. I know that she makes money. But she sells a lot of specialty game crap that Roy is interested in and knows stuff about. Plus she has a lot more stores to clearance shop at. And while I’m not afraid of hard work or long hours I know she has said she gets up at odd hours to hit the sales. Not to mention the multiple trips a day to the post office. Those expenses add up quickly. And you have to sit on inventory. I’ve taken enough of a loss on stuff already.
I had big dreams of doing the pumping breast milk thing. I started out pretty gung ho. Then reality set in. The logistics just aren’t feasible. There are to many times where I’m not able to pump. I don’t want to have to explain things to the kids. Or my mom. How on earth would I deal with it during those extended visits?
So I guess the next best thing to do is get our spending under control. I shop sales. I use coupons whenever I have them. So I guess I have to quit spending money on all the extras I buy. The craft projects, home improvement ideas, clothing, etc. And the bills. I wonder what I can do lower those expenses? I can potential drop the cell phone bill a little. I don’t know where else I can cut though. We actively use the Netflix and Hulu every day. Not much I can do about the heat or light bill. That leaves gas. I can lower that a bit by doing less idling. And to practice my driving skills with less hard acceleration and braking.
That leaves crafts of some sort. I know I can make soap. But in the past I was never able to get my costs low enough to make any profit at all. I like to crochet but I don’t know what kind of profit could actually be made in those types of crafts. Obviously you cannot consider a per hour wage. It takes me an hour to crochet a dish cloth. Prices start at $1 each on Etsy with average pricing seeming to be $2 or $3 each. That seems to be a lot of work for not much money. Not to mention I have to find a place to sell. I’m not sure I could make any sales off Etsy. Or how much their cut is. Same thing with eBay. And buying a booth at a craft show is way to expensive.
Sigh. I guess I will sleep on it.