I’ve seen and read dozens of posts in the last few years about the time suck that is television. To summarize, everyone should cut cable at the very least and/or stop watching tv altogether if they really want to accomplish anything in life. Cutting Cable WILL Save You Money Yes, cutting cable can save you thousands of dollars. We’ve done it. It’s was a great feeling to bank that extra $75 a month. BUT, we also reconnected to cable less than a year later because the savings wasn’t worth it to our friends/roommates at the time. I also was frustrated by the hassle of tracking down which other places I could find my favorite shows. Len wanted to be able to watch nationwide live sports easily (and legally). We don’t do the pirated streaming thing – he’s a rules-driven sports official and I am a goody two-shoes myself on most things. And the antenna was only getting him a few games a week. The legal options – connecting my laptop to our tv, using the slightly glitchy Chromecast, finding old episodes on Netflix, or watching commercials on Hulu – worked okay but it was always a process instead of lazy fun. We missed our DVR. As a household, we are the definition … Read more
I worked for the Reynolds and Reynolds company (formerly Universal Computer Systems) from June 2005 through July 2011. In those years, I always contributed the minimum necessary to receive the maximum company match – 6%. I also ended up working there for 6 years, so I was fully vested. But after I left, since I couldn’t simply transfer the 401k balance to our Roth IRA’s, I just shifted it all to the back burners of my mind. Handling My 401k to SEP IRA Rollover Fast forward to 2015. My hubby and I finally opened a SEP IRA to fund with as much pre-tax self-employment income as allowed. I knew I could move my stagnant 401k into that SEP IRA but didn’t want to put in the effort to find out exactly what I needed to do. Then 2016 was consumed by life and loss. By the beginning of this year, I realized I couldn’t keep putting life decisions off until everything was rainbows and sunshine since that isn’t how real life works. Adulting…ugh. 😉 I carved out a few hours of a day a few weeks ago and called the company that holds our SEP IRA and asked what I … Read more
Do you love Boba shops? I’m talking about the places you go to order tea or fruit smoothies finished off with tapioca pearls or bursting balls of fruit juice. Until this week, I would have said boba is boba no matter the location. And I would have been wrong. My Boba Transformation I stopped at a cute hole-in-the-wall place, Q Boba Tea, this past Tuesday on my way home from a pet sitting job 15 minutes from my house. I ordered my usual go-to, a strawberry smoothie with tapioca balls. It was the best one I ever drank. This place only uses real fruit and other ingredients, so I was treated to actual strawberries being blended into submission instead of strawberry powder. And the tapioca must be made in the store, because it was amazing. Soft outside with chewy centers. The smoothie itself was creamy and light. I finished the whole thing way too quickly and wanted another on as soon as I parked at home. But I waited. I waited all of Tuesday night and most of Wednesday. I knew I had the same pet sitting job close by Q Boba at 7pm and I would be drinking down another sugar high with tapioca 35 minutes later. … Read more
I actually sent those words – “Miscarriage #2 is a wrap!” – as a text to my mom and then a couple of my friends yesterday. I know it might come off as glib, but sometimes glib seems right to me. Miscarriage Synopsis My blood test Tuesday came back as HCG 0, which means my body is back to its starting position. My tube didn’t explode, so no surgery! Yay! I’m no longer bleeding or cramping, so double yay! All emotions still come way easier and faster than normal for me, so that’s slightly VERY annoying. Stupid emotions. Screw emotions. Moving onto happier things… Pet Sitting for the Win! Pet sitting has been truly helpful. I thought that forcing myself to do some jobs would make me resent the work, but animals really are the best company when you feel like poop. Between our cats and all the clients’ pets, I was generally surrounded by furry hugs most of every day. Picking up poop and scooping cat litter is not more fun when you are grieving or angry, but it’s not less fun either…it’s like a constant that makes everything feel a little normal. When you are going through life’s … Read more
Every day is a day for memories and gratefulness, but here is our American annual reminder. Thank you.
Today’s global market presents a lot of pressure to succeed and be the most effective organization possible. This is to be achieved through lowering operational expenses while maintaining high quality service and learning to keep the balance. As a business owner, it’s your job to oversee all of these processes and see that they are completed on time for your clients. If your business is successful, there will eventually come a point where there will be more work than time to complete it. While this is normal for any business, if you can’t seem to get ahead of these busy periods, you may want to consider outsourcing some of the work. Outsourcing can be a couple of different things depending on what it is that your business does. Let’s take a closer look at some signs that you need to start outsourcing tasks at your place of business. A Certain Task is Highly Specialized Consider for a moment what it is that your organization actually does—whether it’s tech, retail, construction, or some other kind of business. No matter what field you’re in, there’s a high chance that you’re eventually going to have to call for a specialist at some point. … Read more
One of the biggest gaps in most peoples’ education is the lack of financial knowledge. There are thousands and thousands of college students that are entering the workforce every year, and they have no idea how to manage their finances. Not having a game plan for your money is one of the worst things that you can do. Without a plan, you could end up in a massive hole of debt with no way of getting out. If you’re in the dark about your finances, don’t worry, there are several ways that you can quickly improve your game plan today. Make a Budget Easily the most important thing that you can do is make a budget. It sounds like a mind numbing task, but thanks to your smartphone, it’s never been easier. There are dozens of different apps that you can use to make a budget with only a few simple swipes. One of the best apps that you can use is Personal Capital. After you create an account, all you have to do is sync your bank account and credit cards, and the app will handle the rest. It will show all of your recent transactions and show you … Read more