December 22, 2010
I’ve previously posted about how I am on the Dave_Ramsey_Debt_Beaters@yahoogroups.com email list. Recently a discussion was brought up by Ashley that she would like to try working her food budget and meals for the year, while laying in a year’s supply of non-perishables based entirely on loss leaders.
I asked if she would like a partner in this challenge. She thought it a great idea not only because things go better if you have a partner, but because we live on the opposite sides of the US and each has a family of 3 to feed. While living in two different areas with different stores to deal with and different economic basis to work with in our areas.
We have agreed to write about our journey through 2011 in building our one year’s worth of food storage by purchasing loss leaders as they become available, while maintaining a very, very strict budget.
Ashley posted her first blog entry this morning, with her challenges to herself at: http://dateam365.blogspot.com/
This, of course, is my first entry on this challenge. With the cost of groceries going up the $1 a day may be a mite stringent for us, but I am definitely going to do all I can to try and meet her challenge.
The first thing to do, as Ashley pointed out, is to educate yourself. I too am reading various blogs by people who have done this. I’m also checking online information for all types of good basic information to aid me in the challenge.
My first stop on the information train was: http://frugalliving.about.com/od/bargainshopping/tp/Best_Time_To_Buy_Everything.htm
This website lists month by month what items are normally on sale, not just food, but various things. Of course for the task at hand the food items are what I am most interested in. Knowing ahead of time what “loss leaders” will be coming can be a real help in planning the menu.
Meeting the challenge at $1 a day with two meat and potato men in my household is going to be a HUGE challenge. I can get them to eat meatless occasionally, but not all the time. My husband, is NOT a huge fan of vegetables.
Doing so healthily is another challenge, especially when you include my son’s allergies to deal with and our true love of food.
So the first menu planning basic step for me was figuring out the entrées and dealing with them while also maintaining my busy schedule as a merchandiser and mystery shopper. All too often it is too tempting to eat out.
This means not only do I need to plan my meals on the $1 a day budget, but I need to plan on refilling my freezer with homemade “convenience” meals. Knowing we have foods in the freezer we could quickly thaw and eat will eliminate the temptation to stop and grab a calorie laden fast food item or six.
So following Ashley’s theme here is what I want to accomplish this next year:
1. Bring our food budget down to as low as it can possibly go.
2. Lay in one year’s supply of non-perishable food
3. Make up ALL of my Master Mixes, this in itself is a HUGE challenge.
4. Fill the freezer with homemade “convenience” foods
5. Raise a large organic garden and go to year round gardening.
Going back to the entrées listings. I started out trying to figure out an exact order of what types of entrees I’d serve and in what order for a month alternating meatless meals and leftovers in as often as I thought I could get away with it. That became hugely complicated and failed miserably.
So then I tried to do it for every two weeks, same results, I wasn’t getting the rotation I wanted. Plus when you do a very set in stone menu plan it does not allow for spontaneity and this family doesn’t do well with that. We want the foods we want when we want them.
So I finally decided on the following seven categories:
1. Beef
2. Chicken
3. Pork
4. Variety meats (hot dogs, smoked sausage etc)
5. Meatless
6. Leftovers
7. Fish
Gee look at that seven days worth of entrées with one meatless and one leftovers day built in simple, simple.
So I now can plan a week’s worth of meals with those items as the main ingredients, prepare what I can ahead of time and we can eat them in the order we want each week. One week must be completed BEFORE we start the rotation for the next week. That way if we score a free meal out with the mystery shopping (read free meals—great for the budget) then I still have a meal in the roatation to eat before moving on to the next rotation.
So then I started making a list of the various family favorites for each of those seven. An example of this is below.
Meatless:
1. Biscuits and gravy
2. Vegetable soups (I have a bunch of recipes for these)
3. Pancake suppers
4. Salad suppers
5. Macaroni and cheese
6. Cheese and/or veggie pizzas
7. Bean meals
My list included a lot more than this, but you get the idea. I did this for each of the seven categories. Guess what I came up with a year’s worth of meals without duplication quite simply.
Using the same example of the meatless meals I can also prepare a lot of this ahead of time.
1. Biscuits and gravy
a. Make up biscuit Master Mix (recipe is listed in my search engine on the left) while flour is on sale this month. Then for a quick dinner I only need to add oil and water and bake.
b. Make up gravy butter balls ahead of time and freeze. I’ll post this recipe when I do this.
2. If we do well in the garden the fresh produce will be used for this as it grows and the dried produce will be used when it is out of season.
3. Pancake suppers
a. Pancake Master Mix (recipe is listed in the search engine at the left as well), add oil, our home grown eggs and water as needed.
4. Salad suppers can be the green leafy type, or made with homemade pasta, or a combination of the two.
a. Make up pastas ahead of time
b. Homemade salad dressing Master Mixes (which will be added to the blog as time goes on)
5. Macaroni and Cheese
a. Homemade pasta
b. Freezer cheese sauce mix, recipe will be added at a later date
6. Cheese and/or veggie pizzas
a. Pizza dough Master Mix (recipe to be added later)
b. In season veggies from the garden, frozen or dried veggies from the garden off season
c. Loss leader cheese (April purchase according to link listed above) purchased and frozen.
7. Bean Meals
a. I have a bean cookbook, and there are numerous recipes for beans of all sorts on the web. Beans freeze tremendously well. So this is an item that will be cooked in bulk and frozen for quick meals as time goes on.
Add to these entrées loss leader fruits and vegetables, and keeping portions at a reasonable size should enable us to eat cheaply and healthy. Homemade breads will also add to the meals.
I’m now in the process of listing those various meal ideas on color coded 3X5 cards. Ie: pink for beef, white for chicken, green for meatless etc. This will allow me to mix and match menus each week without having to figure it out each week.
The 3 x 5 cards will also list the ingredients for that entrée so I can watch closely for the loss leaders for it. As I lay in a supply of the loss leaders I will then mark each one as I have it in inventory.
Having the menus all figured out in this manner will also let me see how much of what I need to lay in a supply of.
Can I do it on $1 a day like Ashley, in truth it seems pretty hard, but I’m going to do it as closely as I possibly can. Even if I spend slightly over that, I am definitely going to come out the financial winner on the grocery budget.
So will you join us to eat our way to a better state of health both physically and financially?
Jan who thinks the plan will work in OK
Wednesday, December 22, 2010
Saturday, November 27, 2010
LONG RANGE PLANNING AND A CHALLENGE
Saturday, November 27, 2010
Anyone that has ever been me around very long knows I am a planner and a list maker. I’m big on planning things out. I’m not always great at following the plan, but generally I’m within the neighborhood of it by the time a project is finished.
For the last month or so I’ve been drifting. Simply mystery shopping and merchandising, letting others steer my path in this sea of life. As a result Thanksgiving was okay, but not the meal I wanted and my timing was way off on it. Let’s just say not everything finished at once like it normally does and cold mashed potatoes are not a big hit.
I could give the excuse I had a horrible head cold, but that would simply be an excuse. Granted I spent all of Friday in bed trying to kick the worst part of it and still managed to sleep almost until noon today. But it’s still just an excuse. It was lack of on organization on my part.
Well, I didn’t really sleep that late, the last hour or so I laid there thinking rather than getting up. What I was thinking was I needed a plan, a goal, something to get me back in gear on everything.
While I’ve been working hard at working I’ve let other areas slide. Areas we can’t afford to slide. I had fallen slack on cooking, keeping the budget up to date, cleaning the house and have not been carrying my share of opening the new business.
So as I laid there mulling it all over I decided it was time to get back to a plan, but what plan would spur me on the most. After all a plan has to be a goal you really want to achieve. Everyone plans on doing chores, but because they really don’t want to do them they often don’t get done if something better comes along.
I’ve got the Princess Plan and it’s good, but I needed more. I needed to have a carrot dangling in front of me, something I REALLY wanted. Then I realized that one year from today we want to be in Walt Disney World for a 2-3 week vacation. Only there were several barriers (mainly bills) in our way for this. So that is when my plan started forming. How to make that goal become a reality. So…
This next year you will be receiving reports on the goal and how we as a family are going to achieve it.
First I need a title, hmmm something catchy, but not to silly. Since the Princess Plan is included in this goal I think I will call it. “The Royal Getaway” or RG for short.
Now I need to decide what I want in the plan, what must be achieved to make this vacation not only possible, but relaxed and enjoyable. So sticking with the format of the Princess Plan I broke it down to 12 categories.
I. Finances, after all this is to be a cash basis only trip, that’s the number one rule.
II. Incorporate the Princess Plan
III. Actual Vacation Planning
IV. Menus, for the year and the trip (also part of the Princess Plan), but it needs its own category for this plan.
V. Sticking with the budget (I know this falls under finances too, but you’ll see why it gets its own Roman Numeral as time goes on.
VI. Mystery Shopping and Merchandising
VII. Getting our business up and running, as well as keeping it going while we are gone.
VIII. Gardening, a day to day plan. You’ll see why this is important for the coming year.
IX. Weight loss. If you have EVER been to Walt Disney World you will know why being in good physical shape is a major plus going there. That place is HUGE!
X. Wardrobe, ours is starting to look pretty ratty and a new one requires cash only. Plus if we lose weight…
XI. Animals, we have a lot of plans for them for the coming year. Plus there are two to go with us and the rest will remain home and all sorts of plans and actions have to be made for this.
XII. Miscellaneous needs prior to the trip. In other words, everything else I forgot to list.
This all sounds pretty general I know, but that is the way a good plan starts. You start with the general categories and then develop the sub-categories right down to the daily plan as you go.
Take #VI. Mystery shopping and merchandising. After doing it for around five years what planning should I need for that right? Actually a lot of planning needs done.
Sean and I have been taking it on a day to day basis and as a result we have ended up working weird hours, rushing to finish jobs, overbooking ourselves, wasting gas and then having days where we have no work. Trust me the reason Sean and I were both so sick for Thanksgiving was because we let ourselves get run down because we didn’t plan.
Plus now we have this business we are opening up and we need to allow time for it or it will never get off the ground. The problem is mystery shopping and merchandising are guaranteed money, the business is a maybe. So MS/M must be the priority of the two at this time. This could easily change in the near future, but for now we must get in as much of the first two as we can and squeeze opening the business in around the edges. That takes planning.
So on the overall plan it would look like this:
VI. Mystery shopping and merchandising.
A. Locate jobs to do
a. Check daily on the self assign websites for mystery shopping
b. Try to contract for as many weekly/monthly/quarterly merchandising jobs as possible.
c. Always take the higher dollar jobs first
B. Print the week’s paperwork as much as possible on Sunday
a. Print additional paperwork as soon as available
C. Try to stack jobs when scheduling as close as possible on locations, preferably in the same building.
a. Limit out of town trips
i. Only do out of town trips when there are numerous jobs for both parties to do and make a full day of it.
ii. Incorporate household and business errands into the daily ms/m schedule to save time and fuel.
D. Study all paperwork the night before so there are no surprises (this has been a big problem for us lately—too many surprises)
a. Gather any necessary tools or supplies the night before
i. Make a ditty bag of tools used often and leave it in the truck.
E. File paperwork immediately upon arriving home, no late nights allowed.
F. Store documentation immediately.
a. Assign a set place each set of paperwork must go as soon as it is filed.
G. Cull old documentation when the need to keep it has expired.
H. Keep a calendar up to date as to any long range jobs to avoid double booking.
I. Arrange for merchandising jobs to be done while we are gone on the trip ahead of time.
J. Set as many accounts up as possible for direct deposit or paypal.(This one is pretty much done)
K. Wash our work wardrobe as soon as we have worn it for the week in preparation for the next time it is needed. (Too many late nights of doing a hurry up load for the next day’s job).
So you can see that by the time I do this full list of 12 this is going to be a very long plan. Then I will take that list and turn it into a monthly, weekly and daily list like I did the Princess Plan.
Making a plan is pretty simple. AND once you have a plan it’s easy to follow.
So I challenge each and every one of you to make a plan and let’s work on our plans together. Why wait until New Year’s Day, why not start now? I’ve got my plan started, what’s yours?
Jan who says if we work together we can accomplish anything in OK
Anyone that has ever been me around very long knows I am a planner and a list maker. I’m big on planning things out. I’m not always great at following the plan, but generally I’m within the neighborhood of it by the time a project is finished.
For the last month or so I’ve been drifting. Simply mystery shopping and merchandising, letting others steer my path in this sea of life. As a result Thanksgiving was okay, but not the meal I wanted and my timing was way off on it. Let’s just say not everything finished at once like it normally does and cold mashed potatoes are not a big hit.
I could give the excuse I had a horrible head cold, but that would simply be an excuse. Granted I spent all of Friday in bed trying to kick the worst part of it and still managed to sleep almost until noon today. But it’s still just an excuse. It was lack of on organization on my part.
Well, I didn’t really sleep that late, the last hour or so I laid there thinking rather than getting up. What I was thinking was I needed a plan, a goal, something to get me back in gear on everything.
While I’ve been working hard at working I’ve let other areas slide. Areas we can’t afford to slide. I had fallen slack on cooking, keeping the budget up to date, cleaning the house and have not been carrying my share of opening the new business.
So as I laid there mulling it all over I decided it was time to get back to a plan, but what plan would spur me on the most. After all a plan has to be a goal you really want to achieve. Everyone plans on doing chores, but because they really don’t want to do them they often don’t get done if something better comes along.
I’ve got the Princess Plan and it’s good, but I needed more. I needed to have a carrot dangling in front of me, something I REALLY wanted. Then I realized that one year from today we want to be in Walt Disney World for a 2-3 week vacation. Only there were several barriers (mainly bills) in our way for this. So that is when my plan started forming. How to make that goal become a reality. So…
This next year you will be receiving reports on the goal and how we as a family are going to achieve it.
First I need a title, hmmm something catchy, but not to silly. Since the Princess Plan is included in this goal I think I will call it. “The Royal Getaway” or RG for short.
Now I need to decide what I want in the plan, what must be achieved to make this vacation not only possible, but relaxed and enjoyable. So sticking with the format of the Princess Plan I broke it down to 12 categories.
I. Finances, after all this is to be a cash basis only trip, that’s the number one rule.
II. Incorporate the Princess Plan
III. Actual Vacation Planning
IV. Menus, for the year and the trip (also part of the Princess Plan), but it needs its own category for this plan.
V. Sticking with the budget (I know this falls under finances too, but you’ll see why it gets its own Roman Numeral as time goes on.
VI. Mystery Shopping and Merchandising
VII. Getting our business up and running, as well as keeping it going while we are gone.
VIII. Gardening, a day to day plan. You’ll see why this is important for the coming year.
IX. Weight loss. If you have EVER been to Walt Disney World you will know why being in good physical shape is a major plus going there. That place is HUGE!
X. Wardrobe, ours is starting to look pretty ratty and a new one requires cash only. Plus if we lose weight…
XI. Animals, we have a lot of plans for them for the coming year. Plus there are two to go with us and the rest will remain home and all sorts of plans and actions have to be made for this.
XII. Miscellaneous needs prior to the trip. In other words, everything else I forgot to list.
This all sounds pretty general I know, but that is the way a good plan starts. You start with the general categories and then develop the sub-categories right down to the daily plan as you go.
Take #VI. Mystery shopping and merchandising. After doing it for around five years what planning should I need for that right? Actually a lot of planning needs done.
Sean and I have been taking it on a day to day basis and as a result we have ended up working weird hours, rushing to finish jobs, overbooking ourselves, wasting gas and then having days where we have no work. Trust me the reason Sean and I were both so sick for Thanksgiving was because we let ourselves get run down because we didn’t plan.
Plus now we have this business we are opening up and we need to allow time for it or it will never get off the ground. The problem is mystery shopping and merchandising are guaranteed money, the business is a maybe. So MS/M must be the priority of the two at this time. This could easily change in the near future, but for now we must get in as much of the first two as we can and squeeze opening the business in around the edges. That takes planning.
So on the overall plan it would look like this:
VI. Mystery shopping and merchandising.
A. Locate jobs to do
a. Check daily on the self assign websites for mystery shopping
b. Try to contract for as many weekly/monthly/quarterly merchandising jobs as possible.
c. Always take the higher dollar jobs first
B. Print the week’s paperwork as much as possible on Sunday
a. Print additional paperwork as soon as available
C. Try to stack jobs when scheduling as close as possible on locations, preferably in the same building.
a. Limit out of town trips
i. Only do out of town trips when there are numerous jobs for both parties to do and make a full day of it.
ii. Incorporate household and business errands into the daily ms/m schedule to save time and fuel.
D. Study all paperwork the night before so there are no surprises (this has been a big problem for us lately—too many surprises)
a. Gather any necessary tools or supplies the night before
i. Make a ditty bag of tools used often and leave it in the truck.
E. File paperwork immediately upon arriving home, no late nights allowed.
F. Store documentation immediately.
a. Assign a set place each set of paperwork must go as soon as it is filed.
G. Cull old documentation when the need to keep it has expired.
H. Keep a calendar up to date as to any long range jobs to avoid double booking.
I. Arrange for merchandising jobs to be done while we are gone on the trip ahead of time.
J. Set as many accounts up as possible for direct deposit or paypal.(This one is pretty much done)
K. Wash our work wardrobe as soon as we have worn it for the week in preparation for the next time it is needed. (Too many late nights of doing a hurry up load for the next day’s job).
So you can see that by the time I do this full list of 12 this is going to be a very long plan. Then I will take that list and turn it into a monthly, weekly and daily list like I did the Princess Plan.
Making a plan is pretty simple. AND once you have a plan it’s easy to follow.
So I challenge each and every one of you to make a plan and let’s work on our plans together. Why wait until New Year’s Day, why not start now? I’ve got my plan started, what’s yours?
Jan who says if we work together we can accomplish anything in OK
Wednesday, November 10, 2010
LONG TIME NO TYPE—WORK AT HOME JOBS
November 10, 2010
I haven’t forgot you all, we’ve just been super busy. Life is good right now, but then it generally is, you just need to know how to look at any given situation.
I thought once Gary went back to work life would slow down, but instead it has kicked into a higher gear. Something that I didn’t think was possible prior to this last couple of months..
Sean has become my mystery shopping/merchandising partner. We planned on doing mystery shopping on Mondays and Thursdays for just a few hours each day until the mystery shops died their normal death this time of year. Remembering this time last year when we had trouble finding mystery shops to do we figured we’d probably be down to one day a week by late November.
We started working on an idea for a small home based business and doing all the business plans and such required to make a knowledgeable decision on whether or not to do the business has been very time consuming—WHEN we have had time to work on that. More on the new business another time.
Because even though the mystery shopping has slowed down, it has not ceased like we thought it would and the merchandising has quadrupled in volume. We have been putting in 9-10 hour days 5-6 days a week for nearly two months now. NOT complaining Lord! Even better it doesn’t look like it’s going to let up between now and the end of the year.
Gary has not only gone back to work, but has been on overtime for three weeks now and it looks like that too may last through the end of the year.
We are so gazelle intense around here it is crazy! For those of you who are not followers of Dave Ramsey that means we are running from the debt cheetah at gazelle speed to become totally debt free. Every spare penny we make is going on our debt snowball. It has become fun to pay bills! No I am NOT crazy, I said fun.
The three of us now have our Step 1 Baby Emergency Funds fully funded and are now working on our Baby Step 2—the debt snowball (see Dave Ramsey’s book “The Total Money Makeover”) and are making great progress on it.
Sean has paid off a medical bill that was eating him alive and nearly has his only credit card paid off as well. The credit card of course is long gone as we no longer use credit cards in our household. That will leave him with a few truck payments and his student loans and then he will be debt free. I’m so happy for him.
I am still paying on our first installment of the debt snowball, but it will be completed by this time next week. It was a $2,400 medical debt and we are paying it off over three years early based on the scheduled payments. Next will be a credit card that we hope to shave three years or more off the scheduled payoff on. It is truly exciting to see our debt spiral downward for a change. I am so glad we found the Dave Ramsey Total Money Makeover. By staying on this plan we should be totally debt free in 3 years or less including the house! Not bad for a family that was maxed out credit wise and unemployed this time two years ago.
If you are a user of yahoogroups, you should visit with the knowledgeable people at Dave_Ramsey_Debt_Beaters@yahoogroups.com it’s a free to join list and I’ve learned so much from these people!
Now back to merchandising. I’ve never really covered merchandising when talking about mystery shopping so I thought I’d expound a little more on it today.
Most of us walk into a place like Wal-Mart, Target or any number of stores and take for granted the sparkling displays were all placed there by the store’s employees. NOPE! While the employees do re-stock and are responsible for certain merchandise many of those displays and what’s on them is placed there by merchandisers. Here’s how it works.
The store will receive a certain set of merchandise. For this scenario let’s use gift cards. The store will receive the materials to build the actual display case, along with the materials needed to set the display up and stock it. Sometimes they will set up the display themselves other times a merchandising company will send out a merchandiser—or two to set it up. That’s where we come in.
We go in, unbox the display case, assemble it, add the hanging pegs and then set the cards to a planogram and are paid for our services. Then either the store will keep the display stocked OR they will send the merchandiser back once every 1-4 weeks to restock it. Depending on the company the merchandiser gets paid anywhere from $8 to $15 an hour to do the job.
We have each acquired several repetitive weekly jobs. That means guaranteed income weekly until the project runs out. Once the project is set-up often times the hourly rate will drop slightly because it will simply be a short walk in to verify the display is still in good shape and the move onto another project. We’ve been blessed enough on some of our merchandising shops that we have been able to “stack” jobs. Meaning that Sean or I will have a job from one company in a certain store. The other of us (or sometimes the same person) will have 1-2 more jobs in that certain store from other companies. That makes the gas usage is far less and the possible income for each of us greater on a single stop.
I once spoke with a person who did nothing but merchandising and she said she cleared after taxes and expenses over $4,000 per month. We would like to achieve that goal. That could really speed our gazelle along! We aren’t there yet, but we are working toward it. Be aware though merchandising has to be done between certain hours, like a regular job, but generally you have 1-5 days to get the project done. So it is a great “part time” job if you are going to be staying home. We didn’t do these the last two years because we were traveling, but now that we are home for at least 2-3 years it is the best plan for us.
Don’t get me wrong, some of these merchandising jobs are HARD and tiring. Some sound simple to do—repackaging a product and do an inventory of said product—13 hours later you are worn out and the job still isn’t finished. So if you decide to do merchandising READ the instructions closely BEFORE you accept the work, including the fine print. Also be prepared to stand for LONG periods of time.
Another possible source of income is demonstrations. You know the people you see at Sam’s Club handing out samples. This is also contract labor work and can be applied for through several companies at volition.com as well. All three types of work are listed at volition.com.
If none of the above is for you check out the legit jobs at ratracerebellion.com Most of them are work at home jobs. There are all sorts of jobs for all sorts of talents. So if you want to become a earn a little extra money to survive unemployment, earn extra money for the holidays or become gazelle intense volition.com and ratracerebellion.com may have the answer for you.
As always if you need more info or a referral to certain companies feel free to leave me a message and I’ll answer as soon as time allows.
Jan who has no affiliation with any of the websites she mentioned in OK.
I haven’t forgot you all, we’ve just been super busy. Life is good right now, but then it generally is, you just need to know how to look at any given situation.
I thought once Gary went back to work life would slow down, but instead it has kicked into a higher gear. Something that I didn’t think was possible prior to this last couple of months..
Sean has become my mystery shopping/merchandising partner. We planned on doing mystery shopping on Mondays and Thursdays for just a few hours each day until the mystery shops died their normal death this time of year. Remembering this time last year when we had trouble finding mystery shops to do we figured we’d probably be down to one day a week by late November.
We started working on an idea for a small home based business and doing all the business plans and such required to make a knowledgeable decision on whether or not to do the business has been very time consuming—WHEN we have had time to work on that. More on the new business another time.
Because even though the mystery shopping has slowed down, it has not ceased like we thought it would and the merchandising has quadrupled in volume. We have been putting in 9-10 hour days 5-6 days a week for nearly two months now. NOT complaining Lord! Even better it doesn’t look like it’s going to let up between now and the end of the year.
Gary has not only gone back to work, but has been on overtime for three weeks now and it looks like that too may last through the end of the year.
We are so gazelle intense around here it is crazy! For those of you who are not followers of Dave Ramsey that means we are running from the debt cheetah at gazelle speed to become totally debt free. Every spare penny we make is going on our debt snowball. It has become fun to pay bills! No I am NOT crazy, I said fun.
The three of us now have our Step 1 Baby Emergency Funds fully funded and are now working on our Baby Step 2—the debt snowball (see Dave Ramsey’s book “The Total Money Makeover”) and are making great progress on it.
Sean has paid off a medical bill that was eating him alive and nearly has his only credit card paid off as well. The credit card of course is long gone as we no longer use credit cards in our household. That will leave him with a few truck payments and his student loans and then he will be debt free. I’m so happy for him.
I am still paying on our first installment of the debt snowball, but it will be completed by this time next week. It was a $2,400 medical debt and we are paying it off over three years early based on the scheduled payments. Next will be a credit card that we hope to shave three years or more off the scheduled payoff on. It is truly exciting to see our debt spiral downward for a change. I am so glad we found the Dave Ramsey Total Money Makeover. By staying on this plan we should be totally debt free in 3 years or less including the house! Not bad for a family that was maxed out credit wise and unemployed this time two years ago.
If you are a user of yahoogroups, you should visit with the knowledgeable people at Dave_Ramsey_Debt_Beaters@yahoogroups.com it’s a free to join list and I’ve learned so much from these people!
Now back to merchandising. I’ve never really covered merchandising when talking about mystery shopping so I thought I’d expound a little more on it today.
Most of us walk into a place like Wal-Mart, Target or any number of stores and take for granted the sparkling displays were all placed there by the store’s employees. NOPE! While the employees do re-stock and are responsible for certain merchandise many of those displays and what’s on them is placed there by merchandisers. Here’s how it works.
The store will receive a certain set of merchandise. For this scenario let’s use gift cards. The store will receive the materials to build the actual display case, along with the materials needed to set the display up and stock it. Sometimes they will set up the display themselves other times a merchandising company will send out a merchandiser—or two to set it up. That’s where we come in.
We go in, unbox the display case, assemble it, add the hanging pegs and then set the cards to a planogram and are paid for our services. Then either the store will keep the display stocked OR they will send the merchandiser back once every 1-4 weeks to restock it. Depending on the company the merchandiser gets paid anywhere from $8 to $15 an hour to do the job.
We have each acquired several repetitive weekly jobs. That means guaranteed income weekly until the project runs out. Once the project is set-up often times the hourly rate will drop slightly because it will simply be a short walk in to verify the display is still in good shape and the move onto another project. We’ve been blessed enough on some of our merchandising shops that we have been able to “stack” jobs. Meaning that Sean or I will have a job from one company in a certain store. The other of us (or sometimes the same person) will have 1-2 more jobs in that certain store from other companies. That makes the gas usage is far less and the possible income for each of us greater on a single stop.
I once spoke with a person who did nothing but merchandising and she said she cleared after taxes and expenses over $4,000 per month. We would like to achieve that goal. That could really speed our gazelle along! We aren’t there yet, but we are working toward it. Be aware though merchandising has to be done between certain hours, like a regular job, but generally you have 1-5 days to get the project done. So it is a great “part time” job if you are going to be staying home. We didn’t do these the last two years because we were traveling, but now that we are home for at least 2-3 years it is the best plan for us.
Don’t get me wrong, some of these merchandising jobs are HARD and tiring. Some sound simple to do—repackaging a product and do an inventory of said product—13 hours later you are worn out and the job still isn’t finished. So if you decide to do merchandising READ the instructions closely BEFORE you accept the work, including the fine print. Also be prepared to stand for LONG periods of time.
Another possible source of income is demonstrations. You know the people you see at Sam’s Club handing out samples. This is also contract labor work and can be applied for through several companies at volition.com as well. All three types of work are listed at volition.com.
If none of the above is for you check out the legit jobs at ratracerebellion.com Most of them are work at home jobs. There are all sorts of jobs for all sorts of talents. So if you want to become a earn a little extra money to survive unemployment, earn extra money for the holidays or become gazelle intense volition.com and ratracerebellion.com may have the answer for you.
As always if you need more info or a referral to certain companies feel free to leave me a message and I’ll answer as soon as time allows.
Jan who has no affiliation with any of the websites she mentioned in OK.
Tuesday, August 31, 2010
A FAMILY LEGACY MOVES ON TO A NEW PROJECT
Some of you are very aware of an on going project I have to clean out and get rid of a 12 X 6 cargo trailer full of unused household items from both my son's last apartment, before he moved in here, and my grandmother's estate. Finishing the project has became more important to my son and I as we are working on a plan for a small home based business,(more on this another time) but feel we cannot start another project until we complete this one. It's been a long job that has included a lot of tears brought on by memories of my grandmother, and a lot of laughter at the crazy things we've found.
Today's post is about one such thing.
As Sean and I TRY to finish up these boxes from the cargo trailer today (note TRY) I came across an old calligraphy sign my husband made while in college (he’s 62 so that will tell you how old it is). This sign hung first in his dorm room and then in his apartment, and then it went to Viet Nam and back.
When Sean was young he had uncontrolled asthma, he was constantly saying “I can’t”, it didn’t help with the doctor telling him and me that he would never be able to be an active individual with his asthma being so bad. As you have probably already figured out around here “Can’t died in a cornfield” (meaning Cant was a man who starved to death in a cornfield because he decided he couldn’t get food). Gary and I both come from a long line of determined people, and we were determined Sean would not turn in to an inactive blob.
So Gary drug out this sign and hung it in Sean's room. When Sean packed for college he packed the sign and it hung in his dorm rooms and progressive homes and apartments. It had got packed up to come here and has been in the cargo trailer ever since. We came across it this morning and it’s going in our “business” office to remind us of it's meaning.
This sign has spurred us along the way more than once. When Sean, the asthmatic, decided he wanted to join marching band he told the doctor and the doctor said, well maybe if he was in the pit he could. Sean told him “My mom says I can do anything I set my mind to”, My son went on to win many competitions and a scholarship both as a member of the marching band and as an individual performer playing the TROMBONE, and other brass instruments including tubas. Can’t died in a cornfield, and he wasn’t about to be can’t.
As an adult his asthma is under control and as you know from reading my posts he's a very active adult that does ranch chores, cuts and splits firewood and lives surround by the animals he is "allergic" to. Can't doesn't live here any more.
That single sign has spurred us on many times when we felt "we can't" and helped us discover "we can" instead.
So what was this all powerful sign? It is a simple black and white sign done in a very nice display of calligraphy and it says something that could and should be a motto for all of us here. It says:
“Impossible Is Only A Word To Measure The Degree Of Difficulty”
Jan whose sign is a little battered, but will be hung again in her home office to remind her of all her goals and how to achieve them in OK
Today's post is about one such thing.
As Sean and I TRY to finish up these boxes from the cargo trailer today (note TRY) I came across an old calligraphy sign my husband made while in college (he’s 62 so that will tell you how old it is). This sign hung first in his dorm room and then in his apartment, and then it went to Viet Nam and back.
When Sean was young he had uncontrolled asthma, he was constantly saying “I can’t”, it didn’t help with the doctor telling him and me that he would never be able to be an active individual with his asthma being so bad. As you have probably already figured out around here “Can’t died in a cornfield” (meaning Cant was a man who starved to death in a cornfield because he decided he couldn’t get food). Gary and I both come from a long line of determined people, and we were determined Sean would not turn in to an inactive blob.
So Gary drug out this sign and hung it in Sean's room. When Sean packed for college he packed the sign and it hung in his dorm rooms and progressive homes and apartments. It had got packed up to come here and has been in the cargo trailer ever since. We came across it this morning and it’s going in our “business” office to remind us of it's meaning.
This sign has spurred us along the way more than once. When Sean, the asthmatic, decided he wanted to join marching band he told the doctor and the doctor said, well maybe if he was in the pit he could. Sean told him “My mom says I can do anything I set my mind to”, My son went on to win many competitions and a scholarship both as a member of the marching band and as an individual performer playing the TROMBONE, and other brass instruments including tubas. Can’t died in a cornfield, and he wasn’t about to be can’t.
As an adult his asthma is under control and as you know from reading my posts he's a very active adult that does ranch chores, cuts and splits firewood and lives surround by the animals he is "allergic" to. Can't doesn't live here any more.
That single sign has spurred us on many times when we felt "we can't" and helped us discover "we can" instead.
So what was this all powerful sign? It is a simple black and white sign done in a very nice display of calligraphy and it says something that could and should be a motto for all of us here. It says:
“Impossible Is Only A Word To Measure The Degree Of Difficulty”
Jan whose sign is a little battered, but will be hung again in her home office to remind her of all her goals and how to achieve them in OK
Saturday, August 7, 2010
A SINGLE QUART OF BUTTERMILK
As I waited for the update to my McAfee to download I suddenly realized I was smiling, not a little half smile but a big full blown smile. It was one that reached from one side of my chubby face to another.
“What in the world am I smiling about?” I thought. I looked around the nearly empty library to see if my husband, who sat across from me, or anyone else had noticed me smiling like the proverbial ape. Nope, I was safe.
“Surely I’m not that happy to be sitting in the public library and using free wi-fi” I thought to myself. “Maybe it’s because Gary got a job yesterday” I continued, “No that’s not it, I’ll miss all the time we spend together and I’ll miss traveling. That’s not it. Although I am delighted to have a steady income again”
Yes you read right my husband was offered a job after nearly 18 months of unemployment/retirement. It’s not going to mean instant wealth for us, things are still going to be tight. But if we stick to our budget we will be able to pay the bills and finally truly snowball as described in Dave Ramsey’s Total Money Makeover. Not just once in a while, but each month. Only a few dollars at first, but it will be steady.
Our plan, as some of you already know, is for us to keep mystery shopping around home, and selling stuff to add flakes to that snowball until we are totally debt free. It will take us more than a year or two that is for certain, but we didn’t get so deeply in debt super fast either, so slow and steady will win the race in being debt free. Of course there will be several gazelle intense spurts of paying off debt.
So why was I smiling. The download wasn’t finished so I decided to mull over this weird grin on my face and the happiness I was feeling as I tried to discover its source. Then it hit me what it was “No, it couldn’t be that! “ I admonished myself, “surely not”. But then I realized that was exactly it and I grinned even bigger.
I was smiling about a single purchase I had just made for $1.92. I had purchased a quart of buttermilk. Yes I said buttermilk. No I’m not a buttermilk junky, well maybe I do cook with it a lot. The smile was because I suddenly realized our life had done a 180. No not the job, well yes the job, but not so much about it as what it meant.
It meant I had control of my life back. As you already know I’m all about frugal food cooking and storage. Since that day in 2009 when we had our first talk about how we would survive being unemployed our life has not been totally in our control.
Oh we have had the final say on all we did, but our life was ruled by when and where the mystery shops could be found. This was not a bad thing, we have had a blast traveling and seeing all sorts of things. But when it comes to frugal food storage it is a hard thing to do when you aren’t certain where you will be when. Certain food items that will help to feed your family frugally require a bit of attention now and again. So starting such food items when you may be leaving town on a moment’s notice is not a good idea. You could lose your original ingredients. There are all sorts of foods like that. Some you can refrigerate or freeze to save, such as sourdough starter, but others like Perpetual Buttermilk needs “renewed” periodically.
I cook a lot with buttermilk in my scratch cooking. I use powdered buttermilk in my dry mix recipes a lot, but I also marinade with it. You can use reconstituted powdered buttermilk to do that as well, but I prefer using regular buttermilk because you pour out just what you need to do the marinade, no mess, no mixing up too much, no waste, and fast.
That’s where Perpetual Buttermilk comes in. The premise is simple you purchase “a single quart of buttermilk”. Cultured buttermilk is what you need, you could even go as small as pint because here’s how you make a quart of buttermilk from just ½ cup of that original purchase of cultured buttermilk.
PERPETUAL BUTTERMILK
3 ¾ C water
1 1/3 C powdered milk
½ C cultured buttermilk
Mix well 3 ¾ cup water with 1 1/3 cup powdered milk (NOT powdered buttermilk) . Once this is mixed well add ½ cup cultured buttermilk. Then leave the container sitting on the counter overnight. That’s all there is to it. New fresh buttermilk will be waiting on you in the morning. Refrigerate and use as normal. Start to get low, use another ½ cup and repeat the process.
You can do similar things with live culture yogurt, sour dough starter and much more, but you need to be home to tend to them. Refrigerator bread dough either needs used within a certain amount of time or mixed up into a loaf and frozen. So for the last 18 months I’ve not been able to make these staples to our family diet.
Now I can, I am back in control. I smiled big. We were going back to good frugal eating. Homemade Artisan breads in less than 5 minutes a day, sour dough biscuits, onion strings, chicken nuggets, yes these would all soon be back on the menu. In fact I decided at that moment there would be onion strings on the dinner menu with charcoaled hamburgers and butterfly potatoes to celebrate the new job. That will bring a smile to my husband’s face too.
The next time my darling husband retires it will be permanently and I will still be in control because then I’ll know when we might leave town and can prepare my food storage accordingly. So for the next long while be prepared to see a lot more recipes and be told many a story about the adventures on and off the Rock ‘n Tree Ranch.
Jan who is not about to give up traveling for fun in OK
“What in the world am I smiling about?” I thought. I looked around the nearly empty library to see if my husband, who sat across from me, or anyone else had noticed me smiling like the proverbial ape. Nope, I was safe.
“Surely I’m not that happy to be sitting in the public library and using free wi-fi” I thought to myself. “Maybe it’s because Gary got a job yesterday” I continued, “No that’s not it, I’ll miss all the time we spend together and I’ll miss traveling. That’s not it. Although I am delighted to have a steady income again”
Yes you read right my husband was offered a job after nearly 18 months of unemployment/retirement. It’s not going to mean instant wealth for us, things are still going to be tight. But if we stick to our budget we will be able to pay the bills and finally truly snowball as described in Dave Ramsey’s Total Money Makeover. Not just once in a while, but each month. Only a few dollars at first, but it will be steady.
Our plan, as some of you already know, is for us to keep mystery shopping around home, and selling stuff to add flakes to that snowball until we are totally debt free. It will take us more than a year or two that is for certain, but we didn’t get so deeply in debt super fast either, so slow and steady will win the race in being debt free. Of course there will be several gazelle intense spurts of paying off debt.
So why was I smiling. The download wasn’t finished so I decided to mull over this weird grin on my face and the happiness I was feeling as I tried to discover its source. Then it hit me what it was “No, it couldn’t be that! “ I admonished myself, “surely not”. But then I realized that was exactly it and I grinned even bigger.
I was smiling about a single purchase I had just made for $1.92. I had purchased a quart of buttermilk. Yes I said buttermilk. No I’m not a buttermilk junky, well maybe I do cook with it a lot. The smile was because I suddenly realized our life had done a 180. No not the job, well yes the job, but not so much about it as what it meant.
It meant I had control of my life back. As you already know I’m all about frugal food cooking and storage. Since that day in 2009 when we had our first talk about how we would survive being unemployed our life has not been totally in our control.
Oh we have had the final say on all we did, but our life was ruled by when and where the mystery shops could be found. This was not a bad thing, we have had a blast traveling and seeing all sorts of things. But when it comes to frugal food storage it is a hard thing to do when you aren’t certain where you will be when. Certain food items that will help to feed your family frugally require a bit of attention now and again. So starting such food items when you may be leaving town on a moment’s notice is not a good idea. You could lose your original ingredients. There are all sorts of foods like that. Some you can refrigerate or freeze to save, such as sourdough starter, but others like Perpetual Buttermilk needs “renewed” periodically.
I cook a lot with buttermilk in my scratch cooking. I use powdered buttermilk in my dry mix recipes a lot, but I also marinade with it. You can use reconstituted powdered buttermilk to do that as well, but I prefer using regular buttermilk because you pour out just what you need to do the marinade, no mess, no mixing up too much, no waste, and fast.
That’s where Perpetual Buttermilk comes in. The premise is simple you purchase “a single quart of buttermilk”. Cultured buttermilk is what you need, you could even go as small as pint because here’s how you make a quart of buttermilk from just ½ cup of that original purchase of cultured buttermilk.
PERPETUAL BUTTERMILK
3 ¾ C water
1 1/3 C powdered milk
½ C cultured buttermilk
Mix well 3 ¾ cup water with 1 1/3 cup powdered milk (NOT powdered buttermilk) . Once this is mixed well add ½ cup cultured buttermilk. Then leave the container sitting on the counter overnight. That’s all there is to it. New fresh buttermilk will be waiting on you in the morning. Refrigerate and use as normal. Start to get low, use another ½ cup and repeat the process.
You can do similar things with live culture yogurt, sour dough starter and much more, but you need to be home to tend to them. Refrigerator bread dough either needs used within a certain amount of time or mixed up into a loaf and frozen. So for the last 18 months I’ve not been able to make these staples to our family diet.
Now I can, I am back in control. I smiled big. We were going back to good frugal eating. Homemade Artisan breads in less than 5 minutes a day, sour dough biscuits, onion strings, chicken nuggets, yes these would all soon be back on the menu. In fact I decided at that moment there would be onion strings on the dinner menu with charcoaled hamburgers and butterfly potatoes to celebrate the new job. That will bring a smile to my husband’s face too.
The next time my darling husband retires it will be permanently and I will still be in control because then I’ll know when we might leave town and can prepare my food storage accordingly. So for the next long while be prepared to see a lot more recipes and be told many a story about the adventures on and off the Rock ‘n Tree Ranch.
Jan who is not about to give up traveling for fun in OK
Monday, July 26, 2010
THIS YEAR’S TRIO OF GOSLINGS
A few years ago we were incubating and hatching hundreds of goose eggs. We’ve closed that business and since then have been letting the geese hatch and raise their own goslings, letting nature take its course as they free range. Unfortunately the last two years they’ve hatched out several , but none have made it to adulthood.
This year only four were hatched due to the strange weather we had and snake problems, not to mention a tree falling on one of our beautiful Sebastopols instantly killing her and the large clutch of eggs she was sitting on.
While we were gone Sean managed to get two of the family groups penned separately. He decided to protect the goslings instead of letting their parents raise them on the loose. He penned their entire family with them to help create bonding with the gaggle. The third group he didn’t get penned in time and we lost the gosling almost immediately.
This weekend we released the other three with their parents to explore the world. The three are nearly adult size now and have gotten their names. Hopefully they will be the subject of many stories to come. They are already older than any of the “free range” babies were when we lost them. They are fully feathered, and nearly grown.
Because the birds free range they practice free will. So who hatches and raises the gosling is not always necessarily the biological parent, as you will see from the descriptions below.
The first family group is Fairy(White Chinese/Sebastopol mix), Freckles, Spot, Pebbles and Popcorn (all of which are White Tufted Roman/Brown Chinese mix). You met them in the Elf story that is one of the first blogs I wrote.
Their baby looks to be a White Chinese/Brown Chinese mix. We are pretty certain he’s a gander but we could be wrong. This little darling is a little brat. It is bossy, noisy and a bit of a bully. He is always stirring up a storm of trouble. He is white with varying shades of gray and black splotches on him. The ones on his wing shoulders look much like storm clouds. His personality and markings have earned him the name Partly Cloudy or PC.
The second family is Magellan—you’ve heard lots about him over the years, he is a large white Embden gander, and Mama Sarah a Brown Chinese goose. They are raising two darling babies.
When I asked Mama Sarah what we should call her little gander she answered “Alllllllllfred!” So that’s what we named this grey and white baby. He's a good gosling and never gives us any trouble, unlike PC.
The third is our “special” child. That’s Miss Pugsley. As you can see from her photo at the left Miss Pugsley has a birth defect. . Her eyes are different from most goose eyes and her body shape is slightly different as well. She is a gentle loving soul, who just wants to be friends with everyone. She doesn’t run from us like the other two goslings do and trusts us to make sure she’s properly fed. She looks to be a Toulouse/Sebastopol cross . Pugsie’s name of course comes from her pug nose/bill. We think she’s cute.
Unfortunately geese are like most wild animals and tend to shun those who are different. PC in particular is always yammering at Pugsie and being ugly to her. Magellan and Mama Sarah are good parents and have been keeping all bullies away from her. I’m afraid it will take Magellan establishing Alpha with the Knot Heads (five Tufted Romans) before they will accept little Pugsie into the main flock. The Knot heads are snobs and we’ve had trouble with them before. They would not accept Hairlip Harry (the gosling with the broken bill) last year and we lost Harry as a result. Harry didn’t have a dominate male to protect him. Pugsie does, Magellan is VERY protective of her. Magellan and his brother Frodo are the biggest and oldest of the birds we have. If Fro will stand by his brother there won’t be a problem. Some of the other ganders have already started siding with Gel-Gel so hopefully it will work out.
I know little Pugsie has already won all our hearts. But then Sean has always called this place Rock ‘n Tree Ranch, home of the misfit birds. We’ve had birds in the past live to old age that ranged from Kreb, a runner duck with a badly formed spine to Blind Annie, a completely blind Pekin duck who had a seeing eye banty chicken hen. Then of course there have been the tongueless guinea hen, and Sloth, a one toed guinea hen who is still to this day hopping around the ranch on her single enormous one toe on one of her feet.
We’ll make sure that Pugsie always has food she can get in her deformed bill okay and plenty of water to drink. We’ve been observing and have noticed Magellan and Sarah are teaching her how to preen, and pull grass despite only having half a bill. She does a pretty good job of it too.
Pugsley may turn out to be a real beauty in the long run. Her adult feathers are starting to come in and have a curl on the end. If they should curl and go long like a true Sebastopol’s does that might shut Fairy’s crew up real fast. After all, that would mean she’s from their family geneticly.
So that's our newest family members, we've lost a few of the birds this year, so these babies are extra special to us.
Jan who hopes to write hundreds of stories about Pugsley and the other new additions in OK
This year only four were hatched due to the strange weather we had and snake problems, not to mention a tree falling on one of our beautiful Sebastopols instantly killing her and the large clutch of eggs she was sitting on.
While we were gone Sean managed to get two of the family groups penned separately. He decided to protect the goslings instead of letting their parents raise them on the loose. He penned their entire family with them to help create bonding with the gaggle. The third group he didn’t get penned in time and we lost the gosling almost immediately.
This weekend we released the other three with their parents to explore the world. The three are nearly adult size now and have gotten their names. Hopefully they will be the subject of many stories to come. They are already older than any of the “free range” babies were when we lost them. They are fully feathered, and nearly grown.
Because the birds free range they practice free will. So who hatches and raises the gosling is not always necessarily the biological parent, as you will see from the descriptions below.
The first family group is Fairy(White Chinese/Sebastopol mix), Freckles, Spot, Pebbles and Popcorn (all of which are White Tufted Roman/Brown Chinese mix). You met them in the Elf story that is one of the first blogs I wrote.
Their baby looks to be a White Chinese/Brown Chinese mix. We are pretty certain he’s a gander but we could be wrong. This little darling is a little brat. It is bossy, noisy and a bit of a bully. He is always stirring up a storm of trouble. He is white with varying shades of gray and black splotches on him. The ones on his wing shoulders look much like storm clouds. His personality and markings have earned him the name Partly Cloudy or PC.
The second family is Magellan—you’ve heard lots about him over the years, he is a large white Embden gander, and Mama Sarah a Brown Chinese goose. They are raising two darling babies.
When I asked Mama Sarah what we should call her little gander she answered “Alllllllllfred!” So that’s what we named this grey and white baby. He's a good gosling and never gives us any trouble, unlike PC.
The third is our “special” child. That’s Miss Pugsley. As you can see from her photo at the left Miss Pugsley has a birth defect. . Her eyes are different from most goose eyes and her body shape is slightly different as well. She is a gentle loving soul, who just wants to be friends with everyone. She doesn’t run from us like the other two goslings do and trusts us to make sure she’s properly fed. She looks to be a Toulouse/Sebastopol cross . Pugsie’s name of course comes from her pug nose/bill. We think she’s cute.
Unfortunately geese are like most wild animals and tend to shun those who are different. PC in particular is always yammering at Pugsie and being ugly to her. Magellan and Mama Sarah are good parents and have been keeping all bullies away from her. I’m afraid it will take Magellan establishing Alpha with the Knot Heads (five Tufted Romans) before they will accept little Pugsie into the main flock. The Knot heads are snobs and we’ve had trouble with them before. They would not accept Hairlip Harry (the gosling with the broken bill) last year and we lost Harry as a result. Harry didn’t have a dominate male to protect him. Pugsie does, Magellan is VERY protective of her. Magellan and his brother Frodo are the biggest and oldest of the birds we have. If Fro will stand by his brother there won’t be a problem. Some of the other ganders have already started siding with Gel-Gel so hopefully it will work out.
I know little Pugsie has already won all our hearts. But then Sean has always called this place Rock ‘n Tree Ranch, home of the misfit birds. We’ve had birds in the past live to old age that ranged from Kreb, a runner duck with a badly formed spine to Blind Annie, a completely blind Pekin duck who had a seeing eye banty chicken hen. Then of course there have been the tongueless guinea hen, and Sloth, a one toed guinea hen who is still to this day hopping around the ranch on her single enormous one toe on one of her feet.
We’ll make sure that Pugsie always has food she can get in her deformed bill okay and plenty of water to drink. We’ve been observing and have noticed Magellan and Sarah are teaching her how to preen, and pull grass despite only having half a bill. She does a pretty good job of it too.
Pugsley may turn out to be a real beauty in the long run. Her adult feathers are starting to come in and have a curl on the end. If they should curl and go long like a true Sebastopol’s does that might shut Fairy’s crew up real fast. After all, that would mean she’s from their family geneticly.
So that's our newest family members, we've lost a few of the birds this year, so these babies are extra special to us.
Jan who hopes to write hundreds of stories about Pugsley and the other new additions in OK
SELLING TO BE GAZELLE INTENSE OR HOW TO SELL YOUR JUNK (ERRR TREASURES)
Long time no chat. We were on the road solid for a month and I have a few campground reviews to eventually add, but mainly we were at campgrounds we have previously visited.
We had several visits from Murphy over the last few months that managed to drain our emergency fund below the safe to travel amount, way below. Including having to purchase four new tires while on the road. Those adventures are to be reported on another time.
Right now we are home and probably will be for some while until we get the emergency fund built back up and where we are comfortable with the bills again. So time for a little bit of what we are doing to live frugally around here while working hard to make some money so we can get back on the road.
As all of you from the Dave Ramsey and other yahoogroups I’m on already know I’m becoming a selling machine. Over the years we have “acquired” a lot of things from one source or another. We are scroungers by nature and therefore have a unique collection of items. Our home, out buildings and even the land hold treasures of all sorts for someone. Some would call it junk.
Our days are currently kept busy with working with the produce from the garden, mainly tomatoes, finding items about the place to sell and listing them for sale. We are realistic in our prices and are willing to accept reasonable offers. We are finding that what is one man’s junk is truly another man’s treasure. The items we thought would surely sell fast are not moving at all and those we considered just giving away tend to sell, albeit at low prices, but it’s selling.
So that brings us to the theme of this post. Selling your excess to become gazelle intense, as Dave Ramsey calls it. For those of you not familiar with the Dave Ramsey method of becoming debt free the premise is simple. You pay the minimums on all your bills except the one with the lowest balance. This one you put every penny you can spare on and become “gazelle intense” to pay that bill off in record time. Then you roll the normal minimum for that bill in with any gazelle funds into the second lowest bill in a snowball fashion on up the chain until you have paid off your largest bill, not including your house.
By gazelle intense he means you should imagine a gazelle grazing along and moving slowly, much like the lowering of the principle on your bills are if you only pay the minimums on them. The gazelle moves slowly at that point, and so does your debt. However, when a gazelle looks up and sees a CHEETAH they sprint as fast as they can away because only a cheetah is as fast or faster than they are.
Bill collectors, Murphy and other such varmints are cheetahs in the financial world. To sprint away from them you need extra income. For some it’s delivering pizzas at night, for others it’s selling off all excess. As you all know we are already working weird hours, but it simply isn’t gazelle enough for us. So we are now selling off excess. In fact we are so gazelle intense we are selling off just about everything that isn’t nailed down because the thought of one slow month of mystery shopping putting us behind on bills really upsets us. So the bills need to come down, and come down now with gazelle intensity.
On some groups I’m on I am surprised to learn many people have no idea where or how to list things for sale. So here is a small tutorial in Question and Answer format:
Q: How do you determine what you want to sell?
A: There are several criteria I use when determining whether or not to sell/donate/trash something… as usual here’s a list:
1. Do I love it? Seriously, is it something you absolutely love and can’t imagine not having it in your life. Not, well that’s sort of cool to have, do I truly love it? Am I willing to insure it, pay to keep it warm, clean it etc.
2. Have I used it in the last year? No then you aren’t likely to use it again.
3. If I didn’t have one would I go into to debt to buy one? In other words is it worth staying in debt to keep it.
4. Do I have a duplicate of it? If so do I need two?
5. Do I remember where I got it or why I got it?
6. Why am I considering keeping it? If it’s because great Aunt Hettie gave it to me and I truly hate the item then Aunt Hettie will never know it’s gone. Another thing that falls under this category are cookbooks and craft books. Anyone looking at my listings on the various places I have things for sale will see I am selling 99.99% of our vast library because I realized most of those books we were keeping were for just one or two recipes, craft patterns etc. Well duh, I have a scanner and as long as I do nothing that breaks copyright laws I can keep that ONE pattern or recipe for my personal use. Thus hundreds of books and magazines are now being listed for sale from our home library. I can live with clean uncluttered bookshelves, in fact I’m looking forward to it.
7. Could I get by without it without putting a lot of extra work or strain in my life, in other words does it have a true purpose? Preferably more than one use.
8. If I find I need it later is there someone I could borrow or rent one from?
8. If I sold it what would I use the money for I’d rather have? The answer for me on this is simple, a debt free existence.
Q: Where would I sell it?
A: The outlets for this are endless, you can either go the pay for an ad or the free ad route.
First the paid for ad. Everyone who is on the internet has heard of ebay and know it has both auctions and buy it now features. Did you also know they have a sister site for books, dvds, computer and video games, vhs, blue ray and all other types of media. It’s called half.com Listing there is fast and easy, you set the price and they lead people to your ad. Then you pay them a fee ONLY when the item sells.It is not an auction site.
You can also list on sites similar to half.com at amazon.com, Barnes Nobles’ website, albris.com and numerous other sites. If you have ever purchased a used book on the net chances are that company also has it where you can list your used books at that site.
There are also various other auction sites besides ebay, they are just lesser known. The important thing to know is with any site, be it free or be it fee is to READ the rules and regulations. Calculate your fees and determine if you will truly make anything using these fee sites.
You can also always run an ad in your local paper or Thrifty Nickel as well.
FREE sites are also in abundance they range from the well know craigslist.org to upillar.com but did you also know there are free sites on yahoogroups? They are usually in conjunction with the freecycle lists and are commonly known as cheapcycle. What is freecycle? It is where you can give away anything LEGAL you want and all the person has to do is come pick it up. It’s a great way to recycle useable items when you don’t want to mess with selling them.
Cheapcycle is simply you are selling the items at a cheap price. To find the proper freecycle or cheapcycle for your area on yahoogroup.com do a search for your city, state, area or whatever on yahoogroups with the words freecycle , cheapcycle, selling, buy, sell, trade, barter or similar words and they will pop up for you. Then you follow the steps to join the group and list away.
Your ad on the yahoogroups is unlimited in size and you can upload photos to the photo section is an “album” for everything you have for sale on the group website OR you can upload the photo to something like photobucket once and put a link to those photos on all the ads at once.
The drawback to these lists is only the people who subscribe to them see your ad. If you want a bigger audience for free then you should consider listing on craigslist.org or upillar.com both are free and you can upload photos for your ad for free as well.
There are a few drawbacks to this type of ad as well. The main one is your ad is only top dog for that section as long as no one else lists another similar ad. Then you move down the chain and soon your ad is out of sight. You cannot cross post your ads either. For example I want to list numerous lots of homesteading type magazines. This is a niche market item so ideally you would want to list them not only in books and magazines, but also in farm and equipment because they are more geared toward the farmers. But you must choose one or the other. Again read the rules.
Then there is the tried and true putting a sign up at the laundermat, grocery store or wherever. You know the ins and outs of that.
Q: How do you figure out the price for your item?
A: This is the tough one. There are several variables to consider and I’m certain I won’t cover them all here, but here goes.
1. When listing on a website that has similar items look for what the items are going for there. Not necessarily what they are being listed for but what they are going for. An example is ebay. To find out what an item went for there do an advanced search for the item. In that advanced search narrow to the search to completed auctions. You will quickly be able to see what the item sold for. Be sure and look at what type of handling fees were added in for the item as well. Something may have sold at a higher price because it was ran as a “free shipping” sale. We all know the seller didn’t completely absorb the price of shipping, so their original price was probably adjusted higher to accommodate the shipping. So just because their item sold higher than XYZ’s (who charged shipping) item doesn’t necessarily mean your item will sell that high.
On sites like half.com they conveniently show you who else has a similar item in a similar condition and how much they have listed it for and then you can adjust your price up or down accordingly. Being cheapest is not always the best thing.
2. How much did you originally pay for it? Things depreciate quickly the minute you walk away from the cash register with them. At least until they become antiques then they MAY go up in price. The general rule of thumb is ask ½ of what you paid for it if it’s still in great condition.
3. Judge that great condition honestly and adjust your price down accordingly from the ½ price of new. Is it clean? Has it gotten scratched? Does it have an odor? All these things count. Don’t list an item in “like new” condition if it can’t meet this criteria. New things are not dirty, scratched up or stinky.
I personally will not knowingly purchase something from a smoker. Let me say right now if you smoke that is YOUR choice. We happen to have allergies to smoke in our home and can’t stand the smell of cigarette smoke. So it makes no sense for me to purchase something that I can’t use. And yes, even if you Febreeze the heck out of it we allergic non-smokers will still be able to smell it.
4. When it comes to antiques, collectibles and similar items I recommend getting a price guide from the library to figure out where to list these items and for what price.
5. Another thing to consider is will you make any money from it? If you are using a fee type listing place you need to consider what your fees will be and adjust your price accordingly. After all it’s too much work to do to go in the hole because your fees were so high. Consider all the fees from start to finish. I’ll use ebay for an example.
Ebay has a listing fee, an additional photo fee, a final sale fee. Then if you use paypal and the person uses a charge card there is a fee for the credit card usage. Again, read the rules!
At this point I might add don’t consider your time in calculating profit. This is a hard concept for some people. I know one couple in particular who are in deep financial distress and have literally thousands of items they could sell to rectify the matter and have yet to list a thing for sale because “I won’t get anything for my time.”
It’s all I can do to not scream at them “So you would rather be homeless?” Whether you are gazelle intense because the bill collectors are pounding at your soon to be foreclosed on door or to take that dream vacation the concept is the same. You can make very little per hour and add at least some money to your family coffers or you can sit down and give up. The choice is yours.. Me I’m standing up and digging out everything I can to sell.
Q: What do you put in your ad?
A: Anything about the item you know about it. Stress the positives, but do not lie about the condition of the item. My ads include if they have a stain or other damage, that they are from a smoke free home and similar information. If your items are coming from a pet free home, include that. A lot of people are allergic to cats and dogs and would prefer to purchase items that are dander free.
Also list any stipulations you have about payment, shipping or similar things. Any discounts you will give for multiple purchases or similar purchase requirements. Discounts encourage sales. I take cash and non-credit card paypal payments only.
If you are willing to sell out of the US then be sure and stress you want your payments in US currency only or you may find yourself paying to have the money converted from a foreign currency and that can eat away at your profit as well. Be sure and read the rules about this on fee sites closely. I am told that ebay now forbids you to make that stipulation, if this is so then I'd recommend not selling outside the US. I once sold a high dollar item that if I'd had to pay the fees for the currency exchange I would have gone in the hole on the sale.
Q: I’ve sold the item now what?
A: Deliver or ship immediately upon receipt of payment, happy buyers are repeat buyers. The sooner they get what they paid for the happier they are. Sometimes it pays to go the extra step. Example: Media shipping for books and similar materials is sometimes actually higher or nearly the same as First Class shipping. Media rate takes 5 business days to most locations, First Class takes 2 business days. If the customer has paid for Media and I see that for only a few cents more it could go First Class I generally ship it first class. A happy customer is a repeat customer.
Package the item up well. Package it the way you would like to receive it. I tend to line all my boxes with a plastic bag just in case the mail carrier leaves the package out it the rain on delivery day. DO NOT use food boxes for anything going overseas. We once had a shipment get delayed for weeks due to the fact we use clean grocery store boxes to ship the item in. Health laws required the postal service open such packages and inspect them. Unfortunately during that inspection the collectible item we sold got broken and all sorts of hassle happened--a long ugly story and yes it was insured.
Insurance is another subject, always offer to let the customer purchase shipping insurance when applicable, get in writing (email) if they turn it down so if something does happen to the shipment you at least tried to get them to insure it. In all the years we've been selling things here and there and shipping we've only had two items get lost/broken and luckily both were insured.
If it’s a website that has feedback options, leave feedback for the customer.
Q: Now that it’s all said and done what now?
A: Enjoy the fruits of your labors. Any money we make goes directly on bills. We have a goal we want to be debt free by spring 2015 or before. The sooner I put even $10 on a bill the less interest we will have to pay which in the long run will mean far less money needed to pay off the debt.
I will confess that small amounts each month go toward paying cash for our celebration trip to Walt Disney World once we are debt free. We plan on living large on that trip, so a lot of cash needs to be put back for it. But just a little at a time, I’d rather get debt free as fast as possible so 99.99% of our money is going on our debt..
If you have any further questions please fill free to leave a comment. If you are interested in what we have for sale please contact me directly at c.j.ontheranch@gmail.com and I’ll send you links to my items for sale. You might just be surprised as to what all we have on this 90 acres with all its numerous outbuildings for sale.
Jan who is looking forward to a clean, well organized and paid for home in OK
We had several visits from Murphy over the last few months that managed to drain our emergency fund below the safe to travel amount, way below. Including having to purchase four new tires while on the road. Those adventures are to be reported on another time.
Right now we are home and probably will be for some while until we get the emergency fund built back up and where we are comfortable with the bills again. So time for a little bit of what we are doing to live frugally around here while working hard to make some money so we can get back on the road.
As all of you from the Dave Ramsey and other yahoogroups I’m on already know I’m becoming a selling machine. Over the years we have “acquired” a lot of things from one source or another. We are scroungers by nature and therefore have a unique collection of items. Our home, out buildings and even the land hold treasures of all sorts for someone. Some would call it junk.
Our days are currently kept busy with working with the produce from the garden, mainly tomatoes, finding items about the place to sell and listing them for sale. We are realistic in our prices and are willing to accept reasonable offers. We are finding that what is one man’s junk is truly another man’s treasure. The items we thought would surely sell fast are not moving at all and those we considered just giving away tend to sell, albeit at low prices, but it’s selling.
So that brings us to the theme of this post. Selling your excess to become gazelle intense, as Dave Ramsey calls it. For those of you not familiar with the Dave Ramsey method of becoming debt free the premise is simple. You pay the minimums on all your bills except the one with the lowest balance. This one you put every penny you can spare on and become “gazelle intense” to pay that bill off in record time. Then you roll the normal minimum for that bill in with any gazelle funds into the second lowest bill in a snowball fashion on up the chain until you have paid off your largest bill, not including your house.
By gazelle intense he means you should imagine a gazelle grazing along and moving slowly, much like the lowering of the principle on your bills are if you only pay the minimums on them. The gazelle moves slowly at that point, and so does your debt. However, when a gazelle looks up and sees a CHEETAH they sprint as fast as they can away because only a cheetah is as fast or faster than they are.
Bill collectors, Murphy and other such varmints are cheetahs in the financial world. To sprint away from them you need extra income. For some it’s delivering pizzas at night, for others it’s selling off all excess. As you all know we are already working weird hours, but it simply isn’t gazelle enough for us. So we are now selling off excess. In fact we are so gazelle intense we are selling off just about everything that isn’t nailed down because the thought of one slow month of mystery shopping putting us behind on bills really upsets us. So the bills need to come down, and come down now with gazelle intensity.
On some groups I’m on I am surprised to learn many people have no idea where or how to list things for sale. So here is a small tutorial in Question and Answer format:
Q: How do you determine what you want to sell?
A: There are several criteria I use when determining whether or not to sell/donate/trash something… as usual here’s a list:
1. Do I love it? Seriously, is it something you absolutely love and can’t imagine not having it in your life. Not, well that’s sort of cool to have, do I truly love it? Am I willing to insure it, pay to keep it warm, clean it etc.
2. Have I used it in the last year? No then you aren’t likely to use it again.
3. If I didn’t have one would I go into to debt to buy one? In other words is it worth staying in debt to keep it.
4. Do I have a duplicate of it? If so do I need two?
5. Do I remember where I got it or why I got it?
6. Why am I considering keeping it? If it’s because great Aunt Hettie gave it to me and I truly hate the item then Aunt Hettie will never know it’s gone. Another thing that falls under this category are cookbooks and craft books. Anyone looking at my listings on the various places I have things for sale will see I am selling 99.99% of our vast library because I realized most of those books we were keeping were for just one or two recipes, craft patterns etc. Well duh, I have a scanner and as long as I do nothing that breaks copyright laws I can keep that ONE pattern or recipe for my personal use. Thus hundreds of books and magazines are now being listed for sale from our home library. I can live with clean uncluttered bookshelves, in fact I’m looking forward to it.
7. Could I get by without it without putting a lot of extra work or strain in my life, in other words does it have a true purpose? Preferably more than one use.
8. If I find I need it later is there someone I could borrow or rent one from?
8. If I sold it what would I use the money for I’d rather have? The answer for me on this is simple, a debt free existence.
Q: Where would I sell it?
A: The outlets for this are endless, you can either go the pay for an ad or the free ad route.
First the paid for ad. Everyone who is on the internet has heard of ebay and know it has both auctions and buy it now features. Did you also know they have a sister site for books, dvds, computer and video games, vhs, blue ray and all other types of media. It’s called half.com Listing there is fast and easy, you set the price and they lead people to your ad. Then you pay them a fee ONLY when the item sells.It is not an auction site.
You can also list on sites similar to half.com at amazon.com, Barnes Nobles’ website, albris.com and numerous other sites. If you have ever purchased a used book on the net chances are that company also has it where you can list your used books at that site.
There are also various other auction sites besides ebay, they are just lesser known. The important thing to know is with any site, be it free or be it fee is to READ the rules and regulations. Calculate your fees and determine if you will truly make anything using these fee sites.
You can also always run an ad in your local paper or Thrifty Nickel as well.
FREE sites are also in abundance they range from the well know craigslist.org to upillar.com but did you also know there are free sites on yahoogroups? They are usually in conjunction with the freecycle lists and are commonly known as cheapcycle. What is freecycle? It is where you can give away anything LEGAL you want and all the person has to do is come pick it up. It’s a great way to recycle useable items when you don’t want to mess with selling them.
Cheapcycle is simply you are selling the items at a cheap price. To find the proper freecycle or cheapcycle for your area on yahoogroup.com do a search for your city, state, area or whatever on yahoogroups with the words freecycle , cheapcycle, selling, buy, sell, trade, barter or similar words and they will pop up for you. Then you follow the steps to join the group and list away.
Your ad on the yahoogroups is unlimited in size and you can upload photos to the photo section is an “album” for everything you have for sale on the group website OR you can upload the photo to something like photobucket once and put a link to those photos on all the ads at once.
The drawback to these lists is only the people who subscribe to them see your ad. If you want a bigger audience for free then you should consider listing on craigslist.org or upillar.com both are free and you can upload photos for your ad for free as well.
There are a few drawbacks to this type of ad as well. The main one is your ad is only top dog for that section as long as no one else lists another similar ad. Then you move down the chain and soon your ad is out of sight. You cannot cross post your ads either. For example I want to list numerous lots of homesteading type magazines. This is a niche market item so ideally you would want to list them not only in books and magazines, but also in farm and equipment because they are more geared toward the farmers. But you must choose one or the other. Again read the rules.
Then there is the tried and true putting a sign up at the laundermat, grocery store or wherever. You know the ins and outs of that.
Q: How do you figure out the price for your item?
A: This is the tough one. There are several variables to consider and I’m certain I won’t cover them all here, but here goes.
1. When listing on a website that has similar items look for what the items are going for there. Not necessarily what they are being listed for but what they are going for. An example is ebay. To find out what an item went for there do an advanced search for the item. In that advanced search narrow to the search to completed auctions. You will quickly be able to see what the item sold for. Be sure and look at what type of handling fees were added in for the item as well. Something may have sold at a higher price because it was ran as a “free shipping” sale. We all know the seller didn’t completely absorb the price of shipping, so their original price was probably adjusted higher to accommodate the shipping. So just because their item sold higher than XYZ’s (who charged shipping) item doesn’t necessarily mean your item will sell that high.
On sites like half.com they conveniently show you who else has a similar item in a similar condition and how much they have listed it for and then you can adjust your price up or down accordingly. Being cheapest is not always the best thing.
2. How much did you originally pay for it? Things depreciate quickly the minute you walk away from the cash register with them. At least until they become antiques then they MAY go up in price. The general rule of thumb is ask ½ of what you paid for it if it’s still in great condition.
3. Judge that great condition honestly and adjust your price down accordingly from the ½ price of new. Is it clean? Has it gotten scratched? Does it have an odor? All these things count. Don’t list an item in “like new” condition if it can’t meet this criteria. New things are not dirty, scratched up or stinky.
I personally will not knowingly purchase something from a smoker. Let me say right now if you smoke that is YOUR choice. We happen to have allergies to smoke in our home and can’t stand the smell of cigarette smoke. So it makes no sense for me to purchase something that I can’t use. And yes, even if you Febreeze the heck out of it we allergic non-smokers will still be able to smell it.
4. When it comes to antiques, collectibles and similar items I recommend getting a price guide from the library to figure out where to list these items and for what price.
5. Another thing to consider is will you make any money from it? If you are using a fee type listing place you need to consider what your fees will be and adjust your price accordingly. After all it’s too much work to do to go in the hole because your fees were so high. Consider all the fees from start to finish. I’ll use ebay for an example.
Ebay has a listing fee, an additional photo fee, a final sale fee. Then if you use paypal and the person uses a charge card there is a fee for the credit card usage. Again, read the rules!
At this point I might add don’t consider your time in calculating profit. This is a hard concept for some people. I know one couple in particular who are in deep financial distress and have literally thousands of items they could sell to rectify the matter and have yet to list a thing for sale because “I won’t get anything for my time.”
It’s all I can do to not scream at them “So you would rather be homeless?” Whether you are gazelle intense because the bill collectors are pounding at your soon to be foreclosed on door or to take that dream vacation the concept is the same. You can make very little per hour and add at least some money to your family coffers or you can sit down and give up. The choice is yours.. Me I’m standing up and digging out everything I can to sell.
Q: What do you put in your ad?
A: Anything about the item you know about it. Stress the positives, but do not lie about the condition of the item. My ads include if they have a stain or other damage, that they are from a smoke free home and similar information. If your items are coming from a pet free home, include that. A lot of people are allergic to cats and dogs and would prefer to purchase items that are dander free.
Also list any stipulations you have about payment, shipping or similar things. Any discounts you will give for multiple purchases or similar purchase requirements. Discounts encourage sales. I take cash and non-credit card paypal payments only.
If you are willing to sell out of the US then be sure and stress you want your payments in US currency only or you may find yourself paying to have the money converted from a foreign currency and that can eat away at your profit as well. Be sure and read the rules about this on fee sites closely. I am told that ebay now forbids you to make that stipulation, if this is so then I'd recommend not selling outside the US. I once sold a high dollar item that if I'd had to pay the fees for the currency exchange I would have gone in the hole on the sale.
Q: I’ve sold the item now what?
A: Deliver or ship immediately upon receipt of payment, happy buyers are repeat buyers. The sooner they get what they paid for the happier they are. Sometimes it pays to go the extra step. Example: Media shipping for books and similar materials is sometimes actually higher or nearly the same as First Class shipping. Media rate takes 5 business days to most locations, First Class takes 2 business days. If the customer has paid for Media and I see that for only a few cents more it could go First Class I generally ship it first class. A happy customer is a repeat customer.
Package the item up well. Package it the way you would like to receive it. I tend to line all my boxes with a plastic bag just in case the mail carrier leaves the package out it the rain on delivery day. DO NOT use food boxes for anything going overseas. We once had a shipment get delayed for weeks due to the fact we use clean grocery store boxes to ship the item in. Health laws required the postal service open such packages and inspect them. Unfortunately during that inspection the collectible item we sold got broken and all sorts of hassle happened--a long ugly story and yes it was insured.
Insurance is another subject, always offer to let the customer purchase shipping insurance when applicable, get in writing (email) if they turn it down so if something does happen to the shipment you at least tried to get them to insure it. In all the years we've been selling things here and there and shipping we've only had two items get lost/broken and luckily both were insured.
If it’s a website that has feedback options, leave feedback for the customer.
Q: Now that it’s all said and done what now?
A: Enjoy the fruits of your labors. Any money we make goes directly on bills. We have a goal we want to be debt free by spring 2015 or before. The sooner I put even $10 on a bill the less interest we will have to pay which in the long run will mean far less money needed to pay off the debt.
I will confess that small amounts each month go toward paying cash for our celebration trip to Walt Disney World once we are debt free. We plan on living large on that trip, so a lot of cash needs to be put back for it. But just a little at a time, I’d rather get debt free as fast as possible so 99.99% of our money is going on our debt..
If you have any further questions please fill free to leave a comment. If you are interested in what we have for sale please contact me directly at c.j.ontheranch@gmail.com and I’ll send you links to my items for sale. You might just be surprised as to what all we have on this 90 acres with all its numerous outbuildings for sale.
Jan who is looking forward to a clean, well organized and paid for home in OK
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