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DietBet

May 21st, 2018 at 01:06 pm

I joined a dietbet game and just got my earnings... paid in $35 to join, lost 5lbs, and received $59.xx so I made $24. The goal wasn't to make a ton of money but to lose the weight and get my original $35 back. It was hard but I did it! I'm thinking about joining another one now since I'm still 10lbs away from goal weight.

Money is such a good incentive for me... so we'll see Smile
http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Lots going on but all is well for the most part.

April 23rd, 2018 at 07:01 am

So, I'm a bad "blogger". I tend to just live life and not document each day and then when I think about it, I'll come and update my journey here. So, yeah, bad blogger me but oh well. Haha.

So, it is now April 23, 2018.

Our oldest is almost finished with her first year of college. She is going to summer school and staying in her first apartment over the summer. She'll be going back to dorm life in August though. She is quite excited for the unpaid internship that she got at an animal sanctuary as well. We got her car all fixed up and it should be safe for her to have to drive around in this summer.

Our youngest has yet to get her drivers license. She doesn't need it and doesn't really have a huge desire to get it so I'm not rushing her at all.

We sold our beat up truck for $500 to the auto shop. It wasn't worth keeping any longer.

My first semester of teaching college has gone well. I spent a ton of hours on it though so spreading out the semester pay over each hour is a little sad... but they want me again next semester so it should go much smoother next time since I've done so much prep work already.

Reselling side gig is still trucking along. I just hired an assistant to help me photograph items because I just can't find the time to do it all. I pay $0.75 per item and we've only been doing it a week but so far so good.

I'm still frustrated with the hubby and his lack of motivation to self-improve. He's an enigma to me sometimes. We've been together for 27 years and it's just getting so tough to connect. I feel at a loss and am thinking about getting counseling for myself. I don't want to continually blame him for everything (which I do very internally). Sigh.

http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Saying bye to 2017 and hello to 2018

January 3rd, 2018 at 06:05 am

Looking back to 2017:

Jan- Opened up a legit eBay store and started reselling as a side hustle to fund college expenses

Feb- Finally sold the rental house at a loss overall but pocketed $25,377 after all said and done

Mar- DD and I did some temp work for a retail store opening up which was a fun experience

Apr- hired plumbers to work on our master bathroom; they burst a pipe and we had a mess in our kitchen

May- held a $1 clothing only yard sale and made $260 Smile

June- DD graduates high school!

July- purchase a new laptop for DD heading off to college ($759); same DD dislocated her hip at the end of the month

Aug- paid first college bill of over $9,700

Sept- second year's "manual" payment made for home insurance since we refinanced in 2015 without an escrow account ($1,052)

Oct- youngest DD turns 16!; I was asked to teach a class next year at our University

Nov- DH was in a fender bender that he was "unsure" whether it was his fault or not...so first time we ever filed a collision claim on our insurance; paid off the $1,708 helicopter bill after winning the insurance appeal from hip dislocation incident; paid second college bill of over $9,700; my mom suffers a stroke the week before Thanksgiving

Dec- spent most of the month caring for mom; Xmas presents were purchased very last minute; DD had all 4 wisdom teeth pulled out ($2,390); paid property tax bill of $2,982

..... now onward and upwards to 2018 .....

-I'm continuing with the eBay/reselling side hustle
-I start teaching a class at the University
-We will need to purchase a (used) car for DD that is in college
-My word of the year is "Intention" (2017 was "Hustle" and 2016 was "Focus")
-I want to seriously declutter and minimize our household possessions this year

http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

an expensive November!

November 28th, 2017 at 09:07 am

Just finished paying some bills...

1) $9,774.74 -Spring 2018 college tuition bill for DD
2) $2,982.46 -Property tax bill for our house
3) $1,708.17 -AirMed helicopter bill for DD's hip dislocation

Those 3 expenses total $14,465.37 just like that. Yuck.


http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Long vent about husband; skip if you want :)

November 13th, 2017 at 09:30 am

Deep Sigh.

I've come to a point of pure frustration with my husband. We have a good marriage. I love him. He loves me. He's just been annoying the heck out of me lately.

I consider myself a go-getter. If there is something that needs to be done, I do it... and not put it off, complain, or drag my feet.

Dear ol' hubby is another story. He complains about how he doesn't like to go to work each day. He's constantly late in the mornings because he drags himself around. He stays up SO LATE each night and finds himself struggling to stay awake during the day. He knows that he's addicted to sugar. But, yet, he snorts down Mt. Dew all freakin' day...and cookies and candies, etc. He knows he needs to exercise more but instead he complains about it and then just sits down to watch a movie (he loves watching movies). He gets so wrapped up in his "hobby of the month" that it encompasses his entire life until he finds another fixation to replace it with. Last month, it was with collecting everything Transformers. This month, it is with collecting everything LEGO mini-figs. I've come to accept his nuances and work around it all but lately, it's been really bothering me.

He suffers from general anxiety disorder so I have to be super delicate on what I say and how I say things to him. Again, I do love him and don't want to be a "nag" but gosh, darn it. Sometimes, it gets to be too much.

I'm over here getting up super early each day to workout, clean up the house, and get his lunch and everything ready for him. I work all day and don't complain. I come home, fix dinner, and work on my side hustle (online selling) that helps us with our household finances. Sure, I get tired sometimes but things have to get done so I do it.

I DO IT BECAUSE IT HAS TO BE DONE.

Lately, I've been feeling like he's super lazy. He even took the day off work today after a long holiday weekend just to wait for the UPS truck to deliver his latest purchase that requires a signature.

Our master bedroom and bath have been in demolition mode for over 3 years now. He won't let me hire it out because of the cost. He's more than capable of finishing the job. BUT, he JUST can't seem to get the motivation to do anything about it.

He hit a car this past weekend. He says the other driver swerved into his lane causing him to hit it. No one called the cops. The damage is quite severe on our car so we have to get it fixed. I called this morning to file the claim on our insurance.

I called him at noon today and he was still asleep!

I asked if he could take the car into the shop since he's "off" today but he said he couldn't because he didn't know when the UPS delivery would show up. He also said he couldn't plan on picking up our daughter from school if the delivery hadn't come yet. So, I have to make the time during my work day to go back home to get the car and take it in for an estimate and to also possibly pick up our daughter from school.

So, he's absolutely doing nothing today staying at home. He's not going to have dinner ready for me. He's not going to do any laundry or work on the bedroom project. He's just going to sit and watch movies until his package gets delivered.

If I say anything, then I'm the naggy wife. He says he should be able to take a day off work at times. I'm not saying he can't take a day off when he needs to but I'm just a little fed up with his constant state of laziness.

Sorry, I had to vent. I have no else in real life that I can share any of this with. He's a good guy. He loves his family. I just have to keep telling myself this....... sigh.
http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Appeal update....

October 20th, 2017 at 07:48 am

So, last I posted, we won our appeal for the airlift cost of $52K...

We just got word that the amount we now is just $1,708! I'm doing a happy dance!

Woo hoo!

http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Won insurance appeal... office space rental?

October 16th, 2017 at 11:50 am

So, we appealed the denial from our insurance company for the medial airlift that took our daughter to the hospital in July when she dislocated her hip. Just got the letter from them that said we won the appeal! They will "re-file" the bills and will pay their part towards the $52k bill. We will still have to pay a large amount, I would imagine, but no where close to $52k. Whew!

On a totally different subject, I am seriously contemplating finding an office space of about 300-500 sq ft to move my online reselling business into. We have a very large house and currently, all my inventory and setup is literally taking up 2 bedrooms. One of those bedrooms is what will eventually become our master bedroom (we have been using a guest room). It is in renovation status right now so I moved all my inventory into it which has been fine.... but, we want to move forward with finishing up the renovation so I have to get it all out of there. I found a space that is very near to the house. It is 329 sq ft and they want $350 rent per month. I've sent an email inquiry to find out more specifics so I'm waiting to hear back from them. I'm quite nervous about committing to a lease for this side business of mine. Eeek. We'll see though. I'm definitely not going to rush and jump into anything without thinking good and hard on it.


http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Online sales and a teaching job!

October 10th, 2017 at 10:12 am

So, as a reminder for you, I started selling seriously online via eBay, Poshmark, etc. on Jan 1, 2017. All money earned from this side hustle is to go toward our daughter's college expenses. I just finished the bookkeeping on this effort thus far and.......... I ended the first 3 quarters of the year with a gross sales total of $28,913! After platform fees, shipping costs, and so forth, I've earned a net profit of $15,969 (before taxes)! I am looking forward to an exciting 4th quarter of sales. Maybe I can end the year with a net profit of $20k! That will be awesome.

In other great news, the local university that I applied to back in 2015 for a part-time teaching position contacted me and wants me to teach a class next semester! I'm excited and scared at the same time. This will be a new adventure and will be a great additional side hustle as well. One class on Tuesdays and Thursdays for one semester will earn me about $3,500! Wish me luck!
http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

I got denied!

August 29th, 2017 at 11:04 am

Dangit! The insurance company has denied our claim for the helicopter airlift that took my daughter to the hospital with a dislocated hip. They said that it was "medically unnecessary". We went with the advice of the EMTs that were on the scene. How can they deny that this wasn't necessary? If insurance doesn't help, it means that we will have to cover the entire cost of the helicopter ride which is.............................................................................................................................. $52,000!!!! Ack!
http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Portland, Hip Dislocation, and College

August 14th, 2017 at 07:36 am

Lots of updates:

1) Portland vacation totals came in at $5,023 which is $977 under budget Smile We had a great time! Our youngest daughter has already started planning for next year's vacation which she is determined will be overseas somewhere. I have to start saving my pennies!

2) A couple of weeks ago, our oldest daughter went tubing on the lake with her friends. Long story short, she ended up with a dislocated hip of all things! The medics had to air lift her to the nearest trauma hospital. We had quite a scare but everything turned out as best as possible. She is fine now with no broken bones/tendons or any permanent damage. I was warned by the hospital that the bills will be hefty though... will update you guys as I get those.

3) I had to make our first college payment the other day and it hurt! Between tuition and room/board, we had to shell out about $12K for the Fall semester. Ouch.
http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

6 Month Reselling Totals

July 6th, 2017 at 01:06 pm

So, I started into reselling as a side hustle on Jan 1 to save money for our daughter's upcoming college expenses (she starts college in August) Here are my 6 month totals.

Jan 1 - June 30, 2017

Total Gross Sales = $18,697
Total Costs/Expenses = $8,256
Total Net Profit (before taxes) = $10,441

I'm setting aside 25% ($2,610) in my mind to cover income taxes. I have no idea if this is anywhere near accurate as I've never done this before but figured it was a safe estimate... so my grand net total after estimated taxes is $7,831 for the first 6 months of my reselling part-time business.

Now, let me just say that this took a lot of time and effort to earn this money. It wasn't easy but I enjoyed it and I am quite happy with the results. From my research, the 4th quarter is always the most profitable with holiday sales thrown in the mix, so I'm looking forward to what the next 6 months will bring.

Our DD's estimated college expenses for one year is $25K which includes room/board as she'll be living on campus. If I can keep this up and earn about $15-$20K a year reselling, the rest can be made up with our regular savings (I put aside $500 from our regular income each month).

My goal is that our children will leave college with no debt whatsoever and that is why I am hustling hard Smile
http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Portland, Oregon

June 22nd, 2017 at 06:02 am

So, we decided to venture out west this summer and visit Portland, Oregon. If anyone has any suggestions, tips, or advice about the area, please let me know! Our family of 4 (no little kids) would love to explore the area and maybe even take a drive to Seattle while we are out there. We'll be there the last 2 weeks of July Smile

Portland budget
flights and hotel = $3,000
rental car = $500
food, park tickets, and incidentals = $2,500
Total = $6,000





http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

Question for a CPA... minor and taxes

March 16th, 2017 at 09:15 am

So, my daughter won a sweepstakes in 2016 valued at $5000. She turned 17 in 2016. She had no other income (no job or interest).

Does she need to file a tax return for that $5000?
Help?

Thanks!
http://all4money.savingadvice.com/2016/05/04/my-financial-journey_208655/


Ok, friends. Last we left you, I was just graduating college at 21 years of age and ready to tackle the world. I got promoted immediately to manager at the restaurant I had been waitressing at throughout college. I was quite excited to now be making $18,000 a year. But that didn't last long because of another opportunity that popped up 2 weeks later. I received my first "real" job offer at Wachovia Bank. I started working as a Banker for them in January saying good-bye to my restaurant days.

On the personal front, I had been dating my boyfriend for 6 years by this point. Once I graduated that December, he proposed and we planned for a June wedding. So, again, life was good. We actually went ahead and purchased our first house together that January even. Looking back now, we were so naive in our purchase... basically bought the very first house we looked at but we were so happy and proud.

Financially speaking, here is our current picture 6 months after I graduated from college:

Just married
New home owners
No college loan debts
We both had good stable jobs at the time.
--My salary as a loan officer was $28k and my DH's salary as a teacher was $22k. So, we were making $50k as a couple which was not too shabby for a couple of 20-something year olds fresh out of school starting our lives together.

Then 9 months after we married, we found out we were pregnant. A surprise? For sure. But, we were happy and looking forward to our baby coming along.

We were living the dream in middle class America.

All was perfect... for a little while.

To be continued [entry_active] => 1 [total_comments] => 0 [contest] => 0 [ever_published] => 0 [contains_images] => 0 ) [209198] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209198 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/07/05/vegan-meal-pics_209198/ [entry_date] => 1467722131 [entry_date_mysql] => 2016-07-05 05:35:31 [entry_text] =>
My first attempt at making vegan pankcakes and it was a success! Topped with maple syrup and blueberries. Yum!


Our favorite vegan burgers (Morningstar black bean and quinoa). Look at the size of this thing after I put my toppings on it Smile


Our 4th of July spread...so good! [entry_active] => 1 [total_comments] => 2 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209094] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) [17104] => Array ( [category_id] => 17104 [category_name] => WEIGHT LOSS [category_stub] => weight-loss ) ) [entry_id] => 209094 [entry_title] => Vegan meal pics [entry_stub] => vegan-meal-pics [entry_url] => http://all4money.savingadvice.com/2016/06/21/vegan-meal-pics_209094/ [entry_date] => 1466520899 [entry_date_mysql] => 2016-06-21 07:54:59 [entry_text] => Some meals lately...


Vegan bagels with peanut butter, bananas, and chia seeds. My favorite right now!


Simple penne pasta with spinach and marinara sauce. The family really liked this one.


Can't go wrong with fresh fruit!


Asian noodles with a variety of veggies... Simple!


These ingredients went into the making of Spring Rolls! [entry_active] => 1 [total_comments] => 6 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [209093] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [2396] => Array ( [category_id] => 2396 [category_name] => SAVINGS AND INVESTMENTS [category_stub] => savings-and-investments ) [3343] => Array ( [category_id] => 3343 [category_name] => GOALS [category_stub] => goals ) ) [entry_id] => 209093 [entry_title] => My big yard sale total.... [entry_stub] => my-big-yard-sale-total [entry_url] => http://all4money.savingadvice.com/2016/06/21/my-big-yard-sale-total_209093/ [entry_date] => 1466520203 [entry_date_mysql] => 2016-06-21 07:43:23 [entry_text] => So, we had a yard sale on Saturday like many of you did, it looks like Smile

We spent all day Friday pulling things out of closets, organizing, and pricing. Our sale ran on Saturday from 8am - 1pm.

We made $760!

Most items were really marked as $0.25, $0.50, or $1. Our most expensive item that we sold was just $25! So, yeah, we had a ton of stuff.

We received a lot of feedback from our customers throughout the day so I thought I would share the info as to how we had a successful yard sale.

1) We advertised on local facebook selling pages and on craigslist.

2) We put up very simple directional signs the evening before.

3) Location is key. We live in a great area to hold yard sales (great neighborhood, easy road access, lots of parking, etc).

4) We priced everything! Nothing was less than a quarter. Prices were easily visible on each item.

5) We priced everything at yard sale prices! Very important here... I even mentioned this in the ads that I placed because NO ONE wants to pay mall prices at a yard sale.

6) Know the goal of having the yard sale in the first place. Ours was to get rid of stuff in the house... not to make a ton of money for a summer vacation or anything like that. Because our goal was to get rid of stuff, we priced things low and accepted even lower offers... and because of #5 above, we had very little negotiations that we had to do on pricing. 90% of our customers paid the price we asked without any hesitation.

7) Our stuff was clean! Not dusty, not broken, not haphazardly thrown in boxes for customers to dig through. We displayed things on tables not on the ground.

8) Many, many of our customers told us how we had the best yard sale they had been to in years.

Hope that helps, guys. We really didn't have a figure in mind so when we counted at the end and had exactly $760 in our hands, we were ecstatic! This is only the second yard sale we've had and honestly, we didn't have anything but knick knacks at this one (the first one was 4 years ago where we netted $1200 because we had lots of furniture). It's amazing how a lot of quarter items can add up Smile

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 1 [contains_images] => 0 ) [208862] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208862 [entry_title] => Vegan Meal Pic [entry_stub] => vegan-meal-pic [entry_url] => http://all4money.savingadvice.com/2016/05/25/vegan-meal-pic_208862/ [entry_date] => 1464179538 [entry_date_mysql] => 2016-05-25 05:32:18 [entry_text] => So, I started being a vegan on April 8, 2016. Figured I would share some of my meals every once in a while for those interested.

This meal was prepared after a long 12 hours at work yesterday. I was tempted to just eat a bowl of cereal but then thought about all the random veggies in the fridge. Started chopping things up and voila. Stir fry mushrooms, broccoli, and onions over a bed of white rice. It was so delicious.

[entry_active] => 1 [total_comments] => 5 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) [208835] => Array ( [journal_id] => 2890 [journal_url] => all4money [author_photo] => 1 [journal_name] => all4money with INTENTION [journal_author] => all4money [journal_author_email] => lymarze@yahoo.com [category_ids] => [categories] => Array ( [0] => Array ( [category_id] => 0 [category_name] => Uncategorized [category_stub] => uncategorized ) ) [entry_id] => 208835 [entry_title] => More prom pictures as requested :) [entry_stub] => more-prom-pictures-as-requested- [entry_url] => http://all4money.savingadvice.com/2016/05/21/more-prom-pictures-as-requested-_208835/ [entry_date] => 1463878813 [entry_date_mysql] => 2016-05-21 18:00:13 [entry_text] => P.S. We purchased this $600 dress for just $99!



[entry_active] => 1 [total_comments] => 4 [contest] => 0 [ever_published] => 0 [contains_images] => 1 ) ) -->

WE SOLD THE HOUSE!

February 21st, 2017 at 10:02 am

We closed on the sale of our rental house today... finally!

For those not familiar with the situation, we purchased this house in 2006 and then tried to sell it in 2010 for the next two years. We finally decided to rent it out and found renters. These same renters stayed for over 4 years and they ended up buying the house from us today. We couldn't have asked for better renters or for a better outcome so we feel very fortunate and blessed. I am so looking forward to not having this mortgage on our books any longer Smile

P.S. We left the closing table with a $25k check but we did take a loss on the house overall. DH and I are so okay with the loss. The feeling of not having to worry about it any longer is priceless.