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Did I Tell You I Actually Got Elected Onto Our HOA?

Yep!  After 5 years of living here, one failed attempt to be on the home owner’s association (HOA) board a few years ago, and some networking via life, I was elected onto our HOA board last October during the annual meeting that I didn’t even attend because I was at Fincon17!!! One of my friends who lives in this neighborhood to, Jennifer Fernandez, spoke for both of us while I was gone.  We were hoping to get elected together.  Instead, I get a text message congratulating me, and then she tells me she wasn’t elected! Meh…someone on the board moved a couple of weeks later, so we grabbed her up ASAP anyway.  😀  If you are from this neighborhood and haven’t voted yet, please elect Jennifer Fernandez for one of the two open spots because she loves this neighborhood, will work for you, and I don’t want to be the only woman on the HOA board!!!  She’s the one who planned and executed the Easter Egg Hunt with hardly any help!  I just helped coordinate a few little things…she did 99.9% of the whole, giant hunt!!! I Made Connections Yep, I apparently made enough good impressions via human connections that … Read more

Should I Stop Spending?

The following is a staff writer post from MikeS. He is a married father of 2. So, with the cat, he ranks number 5 in the house. He loves numbers and helping people. Please leave any questions or comments below for either Mike or Crystal. It happened again, I fell for click bait. This time it was from a Forbes article. The title I fell for was “Why You Need to Stop Spending Money Right Now”. The gist of the article is that Americans in general are going back into debt, deeper than they were previously. Whew, I can keep spending money, as my debt has never been as low as it is right now. 😉 Let’s walk through some of the information in the article and compare how I stack up against the averages. Total Household Debt The article begins by discussing the increase in household debt from 2015 to 2016. It uses scary numbers; debt increased $460 billion to $12.6 trillion. Those are large numbers to be sure, but when you do the math, that’s only an increase of 3.8%. We are not exactly talking about a gigantic jump. Any increase is probably bad given the state of … Read more

Medical Bills Curiosity

The following is a staff writer post from MikeS. He is a married father of 2. So, with the cat, he ranks number 5 in the house. He loves numbers and helping people. Please leave any questions or comments below for either Mike or Crystal. It usually starts as something simple. I needed to look at whether I had been billed for a past medical visit. That simple task, combined with all of the healthcare talk in the country, piqued my curiosity. That led to a full-on dive into my medical claims file. I have data going back to 2011. That’s the year I began tracking all of our health care expenses. The Beginning Before 2011, I didn’t track my medical claims, as there wasn’t really a need for it. The little guy changed all that when he arrived. For those of you who are unaware, he was born with a heart condition that required immediate intervention. He was transported to a hospital 2 hours away from where he was born, to correct his problem. He spent the next 3 days in cardiac-intensive care, and then amazingly I got to take him home. Needless to say, there were a few … Read more

Please Don’t Go #EndTheStigma and #DebtDrop #WSPD18

This blog post is part of the 3rd Annual Suicide Prevention Awareness Month blog tour for the 3rd year running. If you are feeling suicidal, please call the National Suicide Prevention Lifeline at 1-800-273-8255 or text HOME to 741741.  Please feel free to check out my last two posts too – Don’t Kill Yourself Over Debt or Anything Else Please Stay – Suicide is Too Final In short, please don’t kill yourself over anything.  But especially money. It’s Normal You are not alone.  Ever felt like the world would be better off without you?  Or thought that the only way out of whatever you were feeling was to die?  That’s sadly pretty normal.  It has gone through the head of MILLIONS of us.  BUT IT ISN’T TRUE.  The world isn’t better without us in it.  We have other options.  And specifically, money problems can be fixed! Debt, even giant debts, can be paid off.  Money can be made.  It’s just money.  It is not as important as your life. Help Others I highly suggest volunteer work!  At my lowest, I was still useful and needed at my volunteer shifts.  Those dogs wouldn’t get their potty break without me.  And there … Read more

The Baby Stuff We Actually Used in the First 3 Months

WE’VE BEEN PARENTS FOR 3 MONTHS!!!  SHE’S STILL ALIVE!!!  *pats self on back* As you probably have noticed, I have not been blogging much this year.  Pregnancy was hard.  Parenthood is harder (no surprise). My Current Life The hardest thing is getting more than 30 minutes to myself that isn’t needing to be spent on something NECESSARY for our continued existence…like peeing, feeding our pets, scheduling for Crystal’ Cozy Care Pet Sitting, doing actual pet sitting jobs, showering occasionally, staying in contact with our support network of family and friends, payroll for the pet sitting business, shoving food into my mouth, etc. All of that is accomplished between the baby’s naps, play sessions, SMILE-A-THONS (she’s freaking social smiling and trying to giggle already!!!), and coo sessions (she wants to talk soooooo bad!!!).  It’s around 11pm at night when she’s down for the count, I do a last round of the necessaries until midnight, and then I crash until 5-6am when she wakes up.   Repeat 7 days a week. Baby BFS All of that said, I LOVE BEING HER MOM.  Baby BFS is awesome.  Tries so hard to communicate in whatever ways she can pull off.  Wants to sit up and … Read more

5 Ways to Get Quick Cash

If you’re feeling a bit strapped for cash every month and you have already cut back on as many expenses as you can, you can still find ways to earn extra cash without having to work another job. You can do many of them from home or online. Check out these five ideas for a side hustle that can earn you a bit of spending cash. Sell Your Stuff on eBay Image via Flickr by Semtrio Do you have clothes, shoes, or jewelry sitting around in your closet that you never wear? Selling on eBay can be a viable way to earn some extra cash. You can sell books, camping gear, kids’ stuff, and things that are just gathering dust in your closet and garage. It’s pretty easy to get started with eBay. Simply set up an account with eBay and PayPal, take clear photos of the items you are selling, and set them up for auction or for a buy-it-now option. Once your item has sold, make sure and respond promptly to the buyer and ship in a timely manner. Rent Out a Spare Room in Your House If you have a spare room in your house, you can spruce … Read more

Making an Informed Decision: With Term Insurance, Saving Money Is Easy

If you’ve been looking into purchasing life insurance lately, then the chances are that you’ve discovered the somewhat overwhelming variety of life insurance plans out there, which of course makes it incredibly difficult to decide which one you want. However, today we’re going to be taking back to the basics where we’ll be exploring the ins and outs of a term life insurance policy. Any questions you may have had on term insurance will be answered today, clarifying this is the type of insurance policy you’ve been looking for. This will help you save money in the long-term, enabling you to find the best-suited policy for you and your family. What is a Term Policy? Let’s start with the basics. There are multiple types of term insurance plans out there for you to choose from, many of which we’ll explore here. Decreasing Term This is perhaps the most popular type of term life insurance, but it’s also the most basic. With this term, you can make sure that your mortgage is paid off if you pass away prematurely before it’s paid off. This keeps the mortgage company happy and your family out of debt. As the title suggests, these policies … Read more