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It’s Been a While…

If you follow Crystal Clear Thoughts, you probably have been keeping up with me at Budgeting in the Fun Stuff.  If not, here’s a quick summary of life now.  :-)

  • I went self-employed in July 2011.
  • Hubby joined me in January 2012.
  • We had our dream house built and moved in October 2012.
  • We paid off our first house in full in early 2013.
  • Both of our puppies died in early 2014 (Miss Doxie was suffering from dementia at age 15 1/2 and Mr. Pug had a lung torsion at age 11).
  • I started a professional pet sitting business in February 2014 and make about $1500 a month on average with it now.
  • We supplement our unstable online income with our rental home, renting out 2 bedrooms in our own home (5 bedroom house), pet sitting, and sports’ officiating (hubby’s side hustle).
  • We enjoy self-employment and will continue it as long as possible.
  • In our social life, we take about 3 vacations a year, have a close group of friends that we hang out with weekly, our families are doing well although we did lose 2 grandmas in the last 5 years, and my first baby nephew was born in March 2015!

Life is good right now.  I am healing from back problems and able to walk and sit again.  Hubby is officiating sports as much as possible and helping me with pet sitting.

How are you?

 

Deal Stacking for the Home

We all want some things for our home.  We also need to maintain it.  In either situation, the costs can stack up.  So, why not stack up the discounts too?

Groupon Coupons and Gift Cards

If you keep an eye on the Home Depot section of places like Groupon Coupons, you may be able to snag a big . . . → Read More: Deal Stacking for the Home

Switching Bank Accounts

Written by Jon Emge.

Up until recently switching bank accounts was a headache and a hassle.  In fact it was something not many of us even thought of doing, we just stayed with the same bank for years and years, dealing with poor customer service, high lending interest rates, and the closing of our local bank branches.  . . . → Read More: Switching Bank Accounts

Does debt really lead to divorce?

Imagecourse.com

Divorce rates are at an all-time high and SmartMoney’s recent survey has revealed that debt is the number one reason for the majority of rows that can lead to a couple filing for their Decree Nisi.

Couples have varying views on what constitutes debt, with some seeing a sizeable overdraft or credit card as nothing to be . . . → Read More: Does debt really lead to divorce?

How Do You Save Cash Padding?

Being self-employed means that I only feel comfortable if we have 6 months of expenses saved up in easy-to-access savings accounts.  The trick is finding the money to save, right?

Our Finances

In general, we have a pretty large monthly nut compared to what we were used to a few years ago.  Between income taxes, property taxes on . . . → Read More: How Do You Save Cash Padding?

Taking A Step Towards A New Credit Card

Credit cards are one of the most popular methods of payment across the United States.  Unfortunately there are situations, such as the case of Schnucks credit card data breach as reported by LowestRates.com, which can potentially expose credit card numbers and personal information of cardholders to scammers.  In these situations, Americans are advised to acquire new . . . → Read More: Taking A Step Towards A New Credit Card

Editions with Terry Bradshaw Presents 5 Ways to Keep Your Family Healthy This Winter

If you have a family with children, you know that if one gets sick, it can mean the whole family is sick within a week.  As such, it is so important that you keep your family healthy this winter.  Editions TV has some great tips on how to keep your family healthy this winter.

Here are five . . . → Read More: Editions with Terry Bradshaw Presents 5 Ways to Keep Your Family Healthy This Winter

Why remote working makes sense for employers and employees

If you’ve ever been allowed to work from home – or you work remotely regularly – then you’ll already know all about the benefits of not a needing to go into the office every day.

All the usual office distractions are removed instantly, which improves productivity, while companies can save money by downsizing the office space they . . . → Read More: Why remote working makes sense for employers and employees

Be the Person Your Dog Thinks You Are

I sat down on the potty and, as usual, my Pug had to paw his way in the door and plop himself directly between my calves like he was standing guard.  I usually shoo him away a little so that I can at least pretend  I have some privacy, but he just looked so proud of . . . → Read More: Be the Person Your Dog Thinks You Are

Love Your Bank Account this Valentine`s Day

The following is a guest post.

Whether you are planning an extravagant Valentine’s Day, or giving that special someone something simple and from the heart, don’t forget to consider something else this February – your bank account.

Although your bank balance isn’t always at the forefront of your mind when it comes to Valentine’s Day treats, paying extra . . . → Read More: Love Your Bank Account this Valentine`s Day