Ok, I know that this news would not be exciting to most frugalites...but it is extremely exciting for me!!
I received a call from our bank today that our pest business has been approved for a business line of credit with no fees!!
Until today, I have been loaning the business my personal money.
We had been told it would take TWO years before the business could take a loan on its own. We've only been in business 19 months...so a little earlier than we'd hoped and planned on.
This is a huge step for the business as it is on its way to becoming self supporting!!!
The loan is not enough to pay me back--that will take many years, but it is a step in the right direction---and a significant boost to the soundness of the company!
Doin the happy dance!! (Whoda thunk, over a silly loan?!?)
Archive for October, 2006
Ok, I know that this news would not be exciting to most frugalites...but it is extremely exciting for me!!
We are going to a party tonight at DD1s in-laws. The grandbabies will both be there and will be trick or treating in the neighborhood.
The party is a pasta potluck...so I am taking a chicken pasta salad.
We live in a neighborhood where the houses are 2-3 acres apart, so we dont get any tick or treaters here.
I hope everyone has a safe, fun night!
It is an odd combo indeed when there is a fire in the wood stove and sheets hanging out on the line.
Wishful thinking on my part?? Perhaps. Or maybe I am just a wimp when it comes to a cold house.
In any case...I do indeed have a toasty fire going and my sheets are out in the sun.(Hopefully drying) I am using my dryer for jeans and heavier stuff, but am still trying to frugal along on the lighter stuff.
We'll see how long I can pull this off!!!
I FINALLY got out of the house today.
DH needed to prep 2 cords for delivery today and needed some help~~so DD3 and I went out and did the splitting and loading. (Thankfully my tailbone felt better today!) We got it all ready and then went with him to deliver.
One of the cords was delivered to a McMansion...and the owners asked if DH and DD3 would mind carrying a desk into their home from one of their cars. They were given a $10 tip for it!!!
We gave DD3 $30 for her help today- so the remaining $300 goes into the wood business account.
Then, we went to Costco and had lunch/dinner for $6 (gotta love those hotdog prices) and spent $104 on restocking food for the house.
I also sold a puppy yesterday for another $100. And DH had an extra $50 on his paycheck for some overtime.
All in all a good money weekend.
Best of all, I am not in pain tonight- WOOHOO
Looking forward to the week ahead. Have a good one!
I soooo need to go grocery shopping. But I soooo can't ride in the car. (sitting hurts)DH works today, DD1 is deejaying a wedding and DD2 is working- so no help there.
What to do, what to do.
Last night I used up most of the lettuce, cut up some turkey meat, shredded some cheese and we had salads...
But today will be a real stretch.
I made GS waffles for breakfast. Lunch will be small salads. Dinner...well, I think I still have some canned chili. (umm, ick at best)...dont even have RAMEN to fall back on!!
I guess this is one way to tackle the 'live off your reserves' challenge...but it sure isnt as fun!!
What a great mail day! I received ZERO BILLS...and a Shick Quatro razor (excellent stocking stuffer!) and a vanilla biscotti Folgers coffee sample.
I ordered/received the kitchen accessories for nana's Christmas gift. She loves southwest stuff and I found a really pretty Kokopelli cutting board, towel and pot holder. I also had foung a beautiful opal/diamond bracelet a few months ago -originally $80, clearanced for $15- so nana is all done.
I am not going to make my goal fot 2/1 bags to dump/goodwill thanks to the tailbone...but I am keeping the goal on the radar for next week.
We arent currently running an ad for the firewood, but continue to receive calls because of customer referrals!! DH is up to 5 cords for this next weeks deliveries...And at this pace, we really dont need to run an ad as this is as busy as DH can handle.
DH did agree to pay his trucks insurance out of the business fund rather than the household fund- which saves us $375. Right now every little bit helps.
I guess if there is a silver lining to falling and busting your hiney, it is that you have no desire to wander out and spend money....the cupboards are very bare! Today for lunch I whipped up an old box of sourdough pancakes. My mom, bless her heart, put on a big roast and is sending dinner down tonight.
No other wow financial news to report....as things just keep plugging along.
If you missed my earlier entry, here is a link worthy of viewing...read it, watch it (turn the sound up), get your hankie out...it is a 4 minute video about a fathers love for his son.
I had never seen this before and stumbled on to it this morning. It is off topic- but very inspirational.
About a fathers love who knows no boundaries....You may want a hankie ready.
DD2 called this afternoon with news that she may be going to Las Vegas for a 5 day training....and if so, would like mom to tag along!!
So I am considering it!
We wont know for sure for another few days...but if she is chosen, I will have to somehow find the funds to 'chaperone'...wink.
I would need to pay for airfare and food, but the room would be paid by her employer.
Im not much of a gambler, but I do enjoy watching and seeing the sites!!
Nana made some homemade blueberry/ boysenberry scones this morning and I just got back from enjoying a nice one- warm from the oven!! Her secret ingredient??? Just use strawberry nectar for the liquid!! YUM! She made enough that I will enjoy scones for breakfast for the rest of the week...so FREE to me!!
It is actually a GORGEOUS, crisp fall day outside (currently 45). I am confident it is warm enough for those clothes to dry!!
I am also grateful that it is not too cold for the pups to be outside. They sure enjoy exploring!
I am putting on a pot of chili for this weeks lunches. (have everything in the cupboard)So that will be easy and inexpensive.
I ordered DHs belt buckle from the ProRodeo site this morning. DH has collected these for years...and so it is staple Christmas gift. By the time I pay shipping, it comes to $40--but at least it is just a once-per-year expense...and something he really wants.
Ive been racking my brain for what I really want this year...and aside from a new butt- one that doesnt hurt-- all I really want/need is a larger cutting board. My current one is about a 5x8---which is tiny when cooking for the crew I often have.
I have my change box all ready to go. I mentioned this recently-- about saving change to donate at Christmas...If anyone else is interested, let me know. We can start a thread and keep track of progress.
Off to whip up that chili now.
Ciao for now!
Will clothes dry on the line when it is only supposed to hit 65??? That is the question that I intend to answer today. I am willing to dry every other load in the dryer if need be...but I have a ton of laundry today and my goal is to get er done by end of day. Right now it is 41 out there...At least the clothes won't freeze
I cooked a pork roast in the crockpot yesterday, so dinner is 1/2 done- just reheat and decide what to serve with. (Im thinking mashed potatoes and green beans)
I also need to write up a grocery list and get my coupons ready....
So it looks like a nice, busy day today.
Oh- I did get one bag ready for the dump and am working on one for goodwill...so I am confident that I will achieve the 2/1 bag goal by Friday!!! Declutter in progress!
It would have been a no-spender, but I needed to visit the library to return some books. I had $2.80 in fines...all because they set an erroneous expiration date on my library card that blocked me from renewing online this weekend. (They do this so you HAVE to verify your address periodically)
If my backend had not been hurting so much, I would have argued the point...but I just didnt want to today.
The puppies were all moved out to the puppy shed tonight. This is their new home until they are all adopted....Once the puppies go on puppy food, they really need a place of their own. We have nice warm heat lamps out there so they will stay nice and toasty....a small addition to the electric bill, but a major save on my floors.
I continue to declutter. My goal this week is two large bags for the dump and 1 large bag for goodwill.
I have whittled and shaved on the winter budget and am still coming up about $100 month short.
I talked to DH about taking a small salary out of the wood business, but he is not so sure he can swing it this year.
I can probably do a little more on the food budget...IF I can stop doing really stupid things like pinching nerves and falling down stairs---which cause residual pain and keep me from cooking!!
I am hoping to complete the puppy season soon...and if need be, I can consider some seasonal work options.
Until then, I am going to focus on the budget and keep expenses down as much as possible.
DH has a load of firewood to deliver today. Since DD# is not in school (in service day) she will be helping with loading and delivery.
The pups are doing great. I will try to get a pic posted. They are now old enough that I can tell their personalities and match the dog to the family. There is one little female, the runt, who has deemed me her surrogate mommy---she is too sweet. We also have a first- one of our males has a tummy hernia...so i will call the vet to determine the cost of repairing it. My ad comes out this week...so I am hoping to have a busy weekend next weekend...the pups are now 5 weeks and fully weaned.
I have a ton of payments to process for the bug business today---which is a great thing!!
Finally, Im ready for my run of bad luck to move on...I am currently sitting on a pillow with a very sore hiney after taking a spill on the stairs this morning. Very sore tailbone.
I hope my pillow stays comfy for a while.
Have a good one.
First, let me set the scene:
Costco. With a sore throat, earache and fever...With a 1 year old, a 2 1/2 year old, a great-grandma, a 14yo and 3 other adults...
On a SATURDAY.
No real purchase needs in mind, let's just browse...oh boy.
So we work the maze...with all the other harried Saturday patrons...(I have decided only really desperate or really insane people try this for no good reason)...I clearly fell under the latter today.
Let's see...GS was put on a tricycle...and he proceeded to 'tap' this ladies cart---who proceeded to get really upset and in a loud voice exclaim that she 'obviously picked the wrong isle to use as her kids were all grown"...and stomped on by...
Then, 14yo and nana wandered off in separate directions to look...then nana dropped a cup of ice water on the floor "cleanup in toys'...GS took his shoes off...and I have no idea what isle he left his socks...14yo HAS to have these new pillows...
THEN, we are in line...we are about 10 people back...and DD1 over a few isles mouths that she left her $10 mixed berries in my cart...so I leave nana and GS and weave through to deliver berries--being glared at by everyone in line who thinks Im 'cutting'....I turn and head back and see that nana and GS are oblivious to the large gap ahead as they have not moved with the flow of the line...and a couple literally CUT IN FRONT OF THEM instead of pointing it out...OH NO, they arent pulling that...so I suddenly become assertive ( a rare act for me, but I have this fever and all)...They sheepishly get behind us as I make sure they understand that nana was simply distracted, but we were IN LINE. (duh, why the heck are we standing here...geeze)
Icing on the cake....
The cashier rings it all up on one tab...and he blames my mom saying she asked him to 'subtotal'....no problem, except he also didnt subtotal... and I look over and the 'bagger' is just throwing everything loose into the cart..."Could you please box those smaller items"...so Mr. Checker gets peeved and starts throwing all of our stuff in a box, some of the items hitting the floor as he misses'...Didnt even bother to separate nanas from mine...ARGH.
GS is wanting OUT of the cart...nana is a wreck because she had wanted to put her order on her debit card...and I just want my jammies and a warm blanket--a couch and the remote....
Im home, Ive unwound, I done my drugs (no, no---just antibiotics)...and I have made a mental note to NEVER do Costco on a Saturday again.
So, how was your day???