Posting… but elsewhere

My goodness has it been a busy year. Whew… I’m still posting, but recently my focus has been on a few of my other websites and, I have been slowly working on creating new cold processed soaps. I’ve been having so much fun experimenting with new recipes that I’ve created and tweaked a few of the older recipes. Yesterday, I made a pine tar soap and while it was a success, I’m calling that my ‘ugly soap” and will rebatch it so I can create a design that I wanted.

Homeschooling is going well and as great as my daughter did at her Lutheran school, she’s soaring even higher now because she can work at her own pace, her speed is fast. Also, homeschooling has opened up a world of new opportunities through the interactions that she has with people of various age groups. This past Friday, we toured the three labs at Hopkins. It was a fabulous opportunity for the kids and the organizers told the students to reach out to them if they had any more questions and to consider them in the future for careers.

Things are starting to slow down for me, but just a bit, before long it’s going to be Christmas. We don’t really get into the holiday that much, but we do hang lights and put out a tree. This was done before Thanksgiving. ๐Ÿ™‚

I’m slowly working Celebrate Life back into the posting routine and yes, this task has to be penned into my Covey Planner.

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Credit increase…

Yesterday, when I logged into my credit card account, I noticed that my ‘available balance’ was much, much higher than normal. Initially, I was confused about that, but I realized that I had received a credit increase. If you’ve been following my website for… oh about five or six months, you’ll know that credit cards are ‘fairly new to me’. I haven’t had one in about thirteen years and when I had one, I used it for about two years and cancelled it. It wasn’t cancelled because of abuse. I paid my bills on time. Because of that, when I checked my credit report about seven months ago, I learned that I had no credit history. So no… overspending isn’t the issue, I just thought that what I could do with a credit card, I could do with a debit card and in many cases that is true. However, I decided to get a credit card in case I ever was in a scenario where my debit card wasn’t accepted and just like before, I’d pay off my credit card in full, so I’m not paying any interest fees and since my card has a cash-back feature for every item that I purchase, I’m getting extra money for using my card for expenses.

Well, guess what? Shortly after acquiring a credit card, my debit card was compromised, but no worries, my small local bank stopped those charges before money was even taken out of my bank account and so now, moving forward I’m now paying for the majority of my purchases with my credit card.

My spending habits haven’t changed since I started using a credit card, it’s called personal responsibility… I have that. I’m still living well below my means. I’m still rarely eating out at restaurants, I’m still sitting on my “wants” for long periods of time. Yes, I’m still saving and investing a lot to prepare for the unexpected. Because if the unexpected… happens and I’m not being proactive, I might get blindsided when the unexpected pays a visit. Uhm.. no thanks! I don’t want that. By the way, the “unexpected” just happened to me recently and I was prepared. My recent purchase of my Dr. Marten’s is a testament to how long I can sit on some of my wants. I wanted those boots since I was in college, so it’s over twenty years ago.

I’ve been on some financial forums where they avoid credit cards at all costs because it’s a form of debt. Interesting how they dismiss, electricity, cell phone bills, a variety of other expenses where you’re doing the exact same thing. It’s always made me wonder why some people specifically single credit cards out from the others? I think all of them are Dave Ramsey forums. I quickly removed myself from those groups simply because some people didn’t understand that you can be responsible with a credit card. Although I didn’t have a credit card at the time, the assumptions that some made about credit cards, was over the top. Here it is, six months after getting a credit card, and I’m still not being controlled by it. Guess what? A credit card won’t spend on its own. Someone has to do the spending and outside the purchases, I was already making when I actively used my debit card, I don’t spend what I don’t have.

Another birthday and some Dr. Martens

At the beginning of the month, I had a birthday. I’m now 47. Wow! Sometimes, it’s a bit hard to believe that I’ve been around for almost half a century. But here I am. I don’t get into birthdays, but my daughter does and so she sketched a lovely picture for me and wrote me a beautiful letter. I’ll be framing both.

A few days ago, I ordered these boots. Dr. Martens has been on my want list for years. They’re durable and seemingly last a long time. Which is perfect for someone like me since I dislike spending money. The shoes were supposed to arrive on Monday. However, they arrived yesterday (Tuesday).

As you can see, I’ve already changed them around a bit. The new shoelaces are definitely… Opal.

I had made some bias tape about two years ago and so I made those into shoelaces.


The bias tape was originally created from a bolero jacket that I’d made for my daughter when she was nine years old. That was four years ago. Great memories! ๐Ÿ™‚

File cabinets: Organization queen…

Yesterday, I ordered a filing cabinet (black) from my local Office Depot. Originally, I was going to order them from Amazon but… I decided to check to see if I could find them cheaper at a local store, and… I did. This filing system was on sale for $59.99, originally priced at $99.99. Score! I did have a filing cabinet that was a bit smaller, but last year I got rid of it because it wouldn’t close all the way. I held off purchasing a replacement long enough. Now, with the addition of the filing cabinet, I can easily put away hard copy documents that I need to keep on hand.

We print a lot of paper in our house, easily 300 sheets weekly, no it’s not something we can cut down on either since my having physical copies is a requirement for what I do and for my daughter’s homeschooling.

Of course… I’ve thought about making digital copies of the documents that I keep in my filing cabinet. To be fair, at least one piece of each document that is stored has some part scanned electronically. I just haven’t convinced myself to scan it all. That would be a lot of extra busy work. Hmm, perhaps set up a proposal and see if my daughter would be interested in picking up a side job? She has her chores, but this.. yes, I’d pay her to scan those documents.

Currently, I’m researching laser printers, with the amount of printing we are doing weekly, my Epson Workforce 3640 is running through the ink. In addition, I’m researching shredders. I’ll need one eventually for some sensitive documents that I have. When I do finally decide on a shredder, it will be a cross-cut shredder.

Organization? What’s not to love! I easily find whatever I’m looking for because I keep documents stored away in order. Yes, sometimes, I don’t want to take the time to set things up, but the benefits make this step worthwhile. Flying by the seat of my clothes when it comes to organization? If I know about it in advance, that’s not going to happen. I’m teaching my daughter the same thing.

Homeschooling in full swing

This is my daughter’s first year of homeschooling and she is really enjoying it immensely. Things are starting to settle down for the both of us and I’m slowly trying to incorporate blog writing back into my schedule. I had “penned” it in for earlier this week, however, I never got around to writing anything until today.

With my daughter, she’s doing a mix of online and classes at a local homeschool co-op. She’s already been to one event with her local co-op (field trip to a local 3D printing company) and she has another one coming up soon, that focuses on honeybees and ways they can incorporate 3D printing to help save the honeybee population. I gave her a few suggestions on what she might use, and am curious to see what she comes up with and see how it transfers as a 3D print. It’s her job to create the design, submit it for printing to her teacher. Socialization? That’s not an issue, and it’s something I hear some people parrot a lot without really thinking that socialization happens anywhere. Also, in regular school, children aren’t doing too much socialization within a class setting since they are typically in a class setting being instructed by the teacher. But… there are numerous ways for my daughter to socialize in what she typically does with her friends and the various activities that she’s involved with. What I do like about non-traditional schooling is that they are socializing with more than their peer group.

A new (to me) Planner: Franklin Covey Day Planner

In my last post, I mentioned that I was acquiring a planner and here it is, says hello to my ‘new to me’ Franklin Covey (Classic) Day Planner.ย  After a lot of research, I decided that my planner of choice would be a Franklin Covey and although I was impressed with the videos and written posts about them, I decided that I didn’t want to spend that type of money to purchase a new planner. From my research, new this planner cost over $100 however, I was able to purchase it for under $25. Yes, that included shipping. Where did I purchase my planner? Ebay of course! I went on the website and found exactly what I was looking for and it had the added bonus of this cute hangtag.ย  Do you see what it says?

“Attitude is everything!” Isn’t that the truth, if we’re constantly filled with negativity, is it any surprise that the ‘world is against us?” ๐Ÿ™‚ The ‘world’ really isn’t,ย  but at times our negative attitude pits us against ourselves whether we know it or not. But back to the planner. It arrived at my house quickly. I won the bid for it on Friday and Monday it arrived!

This Franklin Covey Classic day planner was in amazing condition and after wiping it down with a soft cloth and adding my own homemade leather conditioner, it looked as good as new. I’ve had this planner for almost a month and I must say that I’m thrilled with this purchase. I use it daily. Currently, I am on the lookout for a Franklin Covey Monarch day planner. Why would I want one? For my 8″ x 11″ documents that I don’t want to fold in half when I give information to clients, I never fold their paperwork, however, what they do after I give it to them is their prerogative. Another bonus for the Franklin Covey planners is that they will last years since they only thing that “needs” to be changed is the paper and since I’ve been making my own inserts, I save even more money.


It’s not about the planner

Your plan means nothing, if you don’t put them into action.

I’ve always been a planner. Whether I keep a list in my head or write it down on paper, for myself, I found my productivity is best when I have a plan. It keeps me accountable. However, you can write down numerous things and it means nothing if those plans go nowhere. Based on my views of planning my recent posts about budgeting shouldn’t be a surprise. It’s just another way to document. For me… it just works! I see the results of putting my goals on paper, restricting certain wants to achieve financial freedom and for me, it’s worth the minor sacrifices. As I mentioned in my last post, one way I stay on top of my busy schedule is to visit my notebook/planner on a daily basis.

Earlier this week, I had purchased the above planner to replace my old notebook and planner. It was advertised as refillable. The frugal me leaped at that since it meant I’d only have to rotate calendar/note sheets each year. Well… guess what? It wasn’t refillable! Although it was lovely, I decided to return it and get something that suited my needs more, also I wasn’t thrilled with the false advertising.

My online search lead me to this planner, however, the more I thought about it, I realized that this would be the perfect planner for my daughter.

This is a large planner, which should easily accommodate her writing style. Currently, she writes her plans into her journal, however, she also uses that to document her thoughts and so I decided this planner will be for her. It’ll be a nice wonderful unexpected surprise for her.


Since I still need a planner, I went online and purchased a Franklin Covey planner. It’s used, but will be new to me. I love the hang tag “Attitude is Everything” that is attached. Since it is used, I’m spending much less than I would if it was purchased new. Those who know me well, realize that I in many cases, I look for used items first. I pay attention to the description and will choose “like new” or “a “gently used” item. I should receive this planner sometime next week. I must say that I’m looking forward to this product and I’m thrilled that I should receive numerous years using this item since it is refillable.

On a side note, last evening I stumbled upon CandiKCan, on YouTube and I’ve been watching and listening to her videos as I go about my daily tasks. What led me to her was searching for videos about Franklin Covey and what kept me on her page was I found her informative and entertaining. I know I’ll be back.

In other news…

I still haven’t started my free trial of the Harvest software. The more I research, the more hesitant I become that it’s exactly what I want and so I’ll do a bit more investigating before I take advantage of the free trial.