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The last eighteen months in a nutshell & Happy Thanksgiving!

November 26th, 2009 at 07:29 am

I'm still working retail at the same place and the man person still has his business. It's grown quite a bit and although its a one man operation it pays the bills and then some. We left the envelope system behind some time ago but still have an emergency fund and some extra money saved. However, we still don't have any investments. Honestly, we don't know where or how to start and are afraid of making the wrong move so we've done nothing in that regard. Well, we did do something....

A Primerica rep visited with us last night and hopefully we'll have our financial needs analysis before too long. I've read good and bad about Primerica and although neither of us wants to be a rep/advisor/whatever they're called, their products might be good for us. I think we can do most of it on our own but again, we simply don't know where or how to start.

We need to change that but inertia seems to have us in its clutches. And I think we saved more and just felt better about money when we used the envelope system. Its simply too easy to overspend when we don't use it and we need to give serious consideration to going back to it. We've talked about it and agreed that we should do it but haven't actually done it.

We still don't have health insurance. DH had a heart procedure done recently and we got the bill last week. $47,000! Yep, $47,000 and that's just for the hospital. We haven't received the physician's bill yet. I haven't a clue what we're going to do about this new expense but we'll come up with something. I've already started putting pennies in a jar for it. Ha!

DH got a small life insurance policy on himself. It's only $15,000 but its a start and better than nothing. We're looking into larger policies but with his health history the premiums are outrageous. No insurance on me yet but that's coming soon, I think.

Last week I got a call to clean a house someone had bought and I earned some extra moolah. The job took a little longer than I'd expected but I did it on a day off the regular job and I made about $25 an hour which beats the $8 and 40 some odd cents an hour I make at my regular job. I really do need to concentrate on growing the house cleaning business. I don't know that I could do that only but two cleaning jobs a month would give me an extra $200 to $300 and that's nothing to sneeze at. Every little bit helps...

I'm still working on 2010 goals. I have a few cemented in my mind but most are still up in the air. I'll post about those when they're a little clearer.

In the meantime, have a wonderful Thanksgiving and don't overeat. Oh heck, go ahead and overeat. But get to the gym tomorrow! Wink

7 Responses to “The last eighteen months in a nutshell & Happy Thanksgiving!”

  1. wowitsawonderfullife Says:

    I think picking up a few house cleaning jobs a month would be fantastic. Good idea and good luck!

  2. midlight21 Says:

    Big Grin Big Grin Soooooooooooooooo GREAT to hear from you!!! Big Grin Big Grin
    Sorry to hear of your husband's health problems. You might want to look into Term Life Insurance.

    Please - Be VERY careful w/Primerica.

    You can get the same types of investments for yourself w/o including them into the financial equation.

    Please keep posting! Your fun presence when you are here is palpable! Twas' like a fun neon lightbulb went off when you went away. Frown

  3. Ima saver Says:

    You know, you really can do investing all by yourself. Pick a no load, low expense mutual fund company like Vanguard. If you have $3000 in savings, you could open a mutual fund with them. I would reccommend Vanguard Index 500. Just call them and ask for an application and a prospectus!

  4. DeniseNTexas Says:

    Julie, thanks for that tidbit. I've now read up on them and that seems like a very good option for us. I'll call them early next week.

  5. ThriftoRama Says:

    Yeah, skip Putnam, Primerica, Edward Jones. They all make money by selling you funds with higher fees than similar funds you could just go buy yourself from Vanguard.

    I am very happy you are back, too.

  6. DeniseNTexas Says:

    Julie, term is the kind of policy he recently got. It's a little over $100 a month and like I said its only $15,000 but he feels that its something at least. I agree.

    Thriftorama, thanks and its good to be back! Smile

  7. scfr Says:

    Yes - It is nice to have you back!

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