Selling for Summer

    (Above picture was 24 hours worth of online orders from Kidizen and Buy/Sell/Trade sites)
 
My goal for this spring was to fund the kid's summer programs with my online selling. I now have enough in my Paypal to sign them up for their activities (Becca will be going to a horse riding camp and Joe wants private swim lessons and a couple day camps). By selling the kid's outgrown clothing I made enough to purchase their wardrobes for this summer and enough left over to fund their summer activities. My little hobby of dressing them cute pays off as I finally know the brands that hold and exceed their retail value. By buying clearance or watching sales I can buy an outfit for $20, have them wear it a season, and still sell it for more.

Now that I've funded their summer activities I'll be saving my profits for their curriculum for the fall. I already bought Joe's 2nd grade science, health, and history books (Abeka) for 1/3 of the price through Ebay, the same goes for Becca's science, health, and history. I funded those purchases by selling some curriculum myself that we had no need for. I've decided on Spectrum books for writing, reading, and math and have been able to get those from Half Price Books with credit from books that I take in. So far all the curriculum has had no out of pocket expense this year. That will change as they get older; for example, I'm highly considering the Seton program for Becca once she reaches high school, as it is an accredited school. That will mean $$$, which I hope to still be able to fund with creative ways. Where there is a will, there is a way.

To quote Plato,   

“Necessity is the mother of invention.” 

 

Out With It!

Our garage sale was a smashing success last week. I really think that by having it as early as possible in the spring everyone is ready to shop; whereas if we wait until after the city wide sales people have much of what they need and don't grab like they do. 

Because our garage is tiny and not so nice we have to set up in the yard. The weather prior to our sale was chilly, rainy, and windy so I was worried until about three days beforehand when the forecast continued to show gorgeous weather for Thursday and Friday. We were not disappointed - both days dawned clear and warm and the crowds came out. As a matter of fact, within 10 minutes of the signs going up we had a steady stream of shoppers and I think that there was only about a three minute period on Thursday when there wasn't someone browsing. Friday was a bit slower but still steady. 

Siblings helped both days ( this was a total of five families contributing) and the kids were great and big helpers. Our sale made over $900 total and I personally made the most I have made at a sale yet: $325. 

I got rid of A LOT and at the end donated a car full to the charity shop, sent a large box to Swap.com, and gave some away to friends. I had a teeny tiny pile left to take back inside (about 6 things I decided to keep) so I really did stick to getting rid of it all.

It was great spending time with the family, seeing the kids work ethic (Becca and Joe each made over $25 each and had no qualms putting half their profit in the bank), and talking with "my kind of people" (garage sale shoppers!). But it was also a lot of work...weeks of organizing and pricing beforehand, setting up and taking down each day, getting sun burnt, etc.  And yet I'm sure this time next year I'll have forgotten all about that and be setting up another one! 

It's The Time of Year

Garage Sale season will soon be upon us! As a matter of fact, I've been to two already this year - both charity sales held indoors. With really decluttering our house I've already noticed a difference in what I pick up - not much! I see nice things that before I would have bought but now think, "I don't need that, I don't have a place for that". I did find Becca some needed Justice clothing for a great price and Amy a nice pile of GAP clothing though. 

With my KonMari and 40 Bags in 40 Days challenge I have a HUGE pile of stuff priced and ready to go in my own garage sale. I am hoping to set up next week, though if the current weather conditions continue into next week that will not be possible. I'm just watching the weather conditions and waiting - as are my siblings and cousins who will be including their own items. It may happen on the spur of the moment. 

Whenever the sale happens, my goal is to set aside all my proceeds to use for my own garage sale and thrift shopping this coming summer. Money is tighter now and by doing that I won't be drawing from the family budget. I also plan to continue being much more selective in what I do buy, only purchasing items I truly need and love. It's amazing what deals can be found while garage sailing and I hope to highlight the fun finds here on the blog. I'll update on my own garage sale once it's happening. :)
 

Big Fat ZERO

Did you know that it was possible to have a credit score of ZERO?

Me either.

My bank lender even seemed confused by this.

NerdWallet tells us: 
Normally, credit scores run from 300 to 850, but there is an exception to the rule: a score of zero. It’s not as frightening as it sounds. A zero doesn’t mean you’re a reckless spender—a score of 350 probably would. It simply means that creditors don’t know what to do with you.

I'm glad we took the route of getting pre-approved for a house loan before we found a house that we liked, because it turns out that my husband has a credit score of ZERO. He can't get a loan until he builds up credit.

It seems ironic. We can't get a loan because we carry no debt. I didn't even realize this was possible.

After researching this, I found out that it takes six months after discharged debts for your credit score to drop to zero. Essentially, if you have no open lines of credit you have no score. Because we paid off our house 8 months ago, the credit score dropped to 0 around the first of the year. My credit score is 810 because I have a couple credit cards open (which we don't use) but I can't get the loan myself because I have no income.

The only thing we can do is open some credit lines for hubby (which we did and he was immediately approved for) and wait three to six months for that open credit to show on his credit score. It seems so counterproductive to have to be in debt to show our ability to pay on a loan, especially since these lenders have at hand the proof that we own our cars outright, have total equity of our house, and have not been late on past payments. As this blogger points out, you can actually be punished for your financial stewardship. 

I'm sharing this because I had no idea that paying off all debts could be bad for your credit! If you have no debt, apparently it is still a good idea to keep several credit lines open, whether you like it or not. 
 

In With the New...

While I didn't make New Year's Resolutions this year there are areas of my life that I am working on anew. 

*Clearing clutter. This has been my goal for years, as you all know. In a house that is filled with crafty homeschooled kids who love to read it is an ongoing issue. Books, papers, and projects are always around. Tying in with some of my other goals - a deep household purge is in order.

I started the year off right by cleaning out our chest freezer and listing it on a local buy/sell/trade sight. It sold immediately.

That cleared up a big space in the kitchen and is saving us money with less electricity used. We just haven't needed such a large freezer the past couple years so out with something that was no longer beneficial to our family. And a little extra into our savings account.

*Budgeting is in full swing. Every single purchase is being written down this month. Every single dollar spent, as well as every single dollar saved. It will be interesting for me to review it at the end of the month and figure out a wise budget for the year. 

*A more healthful year with eating and exercising. The motivation of being the maid of honor at my sister's upcoming summer wedding will be helpful. :)

It helps to just be more mindful of areas in my life. I'll update off and on with my progress in these areas!
 

New Year Must Haves

One of my favorite things to do between Christmas and New Years is to get my life organized a bit. You know, taking down the Christmas decor, cleaning up all the wrapping paper bits and boxes, getting the kids rooms organized. But most of all, getting my calendars, planners, and so on ready for the new year.

My husband and mom know me well. For years they have gotten me calendars and journals for Christmas gifts. My New Year's Eve tradition (probably 20 years running now) is to sit by candle light and open my calendars and work on adding important birthdays, anniversaries, etc. So exciting, right?! My kids must have gotten that weirdo gene from me because they now ask for calendars for Christmas and do the same.

I have a monthly budget sheet printed out ready for January as we are going to pay close attention to the money we spend and the money we save. 

We have plans to buy an acreage within the next couple years. Since we recently paid off our house, it is time to start building up a down payment for when we do find that perfect place for us. After looking at prices of places I think we realize that we will need a bit more than we originally thought for the type of place we have in mind. While we await the perfect place to pop up on the market we will also be fixing this house up to be sell ready. So a careful budget for the next few years is a must.

My mom gave me a delightful Bible journal for my morning studies. 

My calendars will hold special dates and the daily journal will hold daily life notes.

The One Year Home & Garden Devotions by Sandra Byrd "offers an encouraging, applicable, sometimes humorous, and always personal word each day for contemporary women of all ages who delight in being busy at home." 

Each month starts out with a recipe, household tip, or gardening hint. Daily you'll read a Bible Verse and then get a glimpse into Byrd's life with a story, reflection, or life lesson. Whether it is about friendship, gardening, homemaking, marriage, or life - you'll feel encouraged to go about your day with a little refreshment and see things with new eyes. 

Just by flipping through this I am really looking forward to making it a part of my morning devotions! (This book was given to me by Tyndale Publishing in exchange for my honest review.) 

My friend knows me well as she gave me this daily desktop coloring calendar. 

I still use the Whitney English Day Planner as well. So, yes, I have my little daily rituals and these are the items that I depend on each New Year to get me organized and on track!

Do you have any New Year must-haves? 
  

My Own Boutique

For years I've dreamed of opening a children's boutique. With children and homeschooling that just wouldn't be feasible at this time. Not to mention that the high overhead of a brick and mortar store can mean little to no profit for years.

Enter the Kidizen app. 

It is a site to sell your children's outgrown clothes on. Sort of like an Etsy for children's items. 

There is a 7% fee, plus Paypal and shipping costs. Luckily, when you list an item in your shop the calculator will tell you the amount you will receive after fees. So you only have to figure in shipping costs to see what your net profit will be.

You get your own little shop (again, similar to Etsy!) and the selling process is easy. No fees to list, only if you sell an item.

The better brands mean more sales. But I have seen bundles of Carter items sell as well. It all depends on what someone is looking for.

Basically, I have my own little shop on Kidizen and only spend a couple hours a week posting items, packaging, and mailing them off. And since I started my shop in June I have made a profit of over $1,000. I sell about 6-15 items on average a week. Sometimes more, sometimes less. Most are my own children's outgrown items, but every once in awhile I find a great brand at a thrift store that isn't in my child's size and pick it up and list it. For example, some $4 sandals that I sold for $40. 

It's a fun way to make a little extra money, without needing to spend 40 hours a week at an actual storefront.

Now if only I could stop spending a portion of my proceeds at other stores on Kidizen! All my purchases through there have been amazing experiences and I find great brands and fun items that I have never heard of before.

This is not a sponsored post...I just love being able to make a little money as a stay-at-home mom and delve into my passion for children's clothing! It also makes my hubby happy, because he no longer rolls his eyes at a dress purchase of $20 when he knows I can make MORE than that reselling after our child wears it. There are some brands that just retain their value more than others, if not become worth more once it's a past season purchase that is harder to find.  
 

A Snappy Side Table

This past spring I picked up this beverage cart at a thrift store for $10.

I had plans on painting it white and using it on the porch for potted plants. It sat in the garage waiting for some inspiration to hit.

This past weekend I moved some furniture in the living room around and realized that I was now in need of an end table. 

Inspiration finally hit.

I put hubby to work on "my project" (yeah, it pretty much was his project as he did all the work for me!). 

I wanted a shabby chic feel to it and love the color of the paint he chose and the distressing that he did.

It fits in with our shabby chic little corner (I'm not sure what's up with the lighting in this photo...I couldn't turn the lamp on or there was too much of a glare...so just roll with it. :)

I'm going to find the perfect little basket for underneath and this is where we can store books and magazines. 

The nice thing is that this little side table can easily be rolled out to the middle of the room and it's sides can be expanded to make a large table for movie night. Add a tray of drinks and a big bowl of popcorn and it will come in extra handy. 

$10 table, a $3 can of spray paint, and a little imagination goes a long way.
 

Life, Lately

It's a quiet Saturday morning. Scooby-Doo is playing in the background and my coffee and a blueberry scone are at my side. I'm delaying the real start of the day. Because it involves lots of cleaning and chores. Fun times.

School is starting in a little more than two weeks. So we are trying to soak up the rest of the summer. 

On my birthday I chose to go to a local state park. Nature calls me whenever I feel stressed and is my form of meditation. While the kids and hubby played in the water I basked in the quiet on a blanket on the sand. This photo is a new favorite of mine. 

Sometimes, just sometimes, housework can be beautiful. After spraying the outside of the kitchen window with a hose to get rid of the cobwebs and dirt, I came inside to rainbows, sparkles, and awesomeness. I couldn't resist snapping a photo.

Yesterday several garage sale signs popped up around town so we made several unexpected stops. For under $20 I got all three kids Halloween costumes AND Becca's "big" Christmas present (Each child gets to choose a "want" for Christmas and I know that Littlest Pet Shop is always on Becca's list...a whole box of them for $15? Can't beat that!). There's nothing like being ahead of the game...thanks to another garage sale a few weeks ago I also have Amy's "big" Christmas gift hidden away - two American Girl Itty Bitty twin dolls, with several outfits, for $10! 

The littles had fun trying their costumes on - though Amy screamed any time Joe got near her. Guess his alien costume looks a little too real!
 

Paid in Full

Years ago, when reading about someone paying their mortgage off quickly I always assumed that they must have a large income. After all, you need the additional funds to pay additional payments, right?

Then I read The Tightwad Gazette and realized that by being thrifty you could save money for additional items, instead of making money.

Nine years ago we bought a house within our price range. So it's no McMansion, but is a cute little house with a cute little yard and fits our needs. It was built in 1880, so has character, which means a bit of a fixer-upper. But it's solid. We've torn out carpets, replaced the fixtures in the bathroom, put on a new roof, painted, etc. We've made it ours.  

Yesterday we totally made it ours. We took a 30 year mortgage and paid it off in 9 years. How, on such a little income, you ask?

Savings. Scrimping. 

My best advice is to pay at least one extra house payment (applied solely to the principal) each year. That alone would cut 7 years off a 30 year mortgage. That is what we started off doing from year one.

Then, even if it was just an additional $25 or $50 a month, apply that extra to the principal when you pay the mortgage each month. It adds up.

Our biggest was when we received tax returns...to apply a big amount to the mortgage. Because we didn't have other debt (car payments, credit cards) we were able to use that to pay extra towards our only debt.

And now we are totally debt free. It's exciting! It made doing without some fun extras totally worth it and just takes a huge weight off your shoulders. To know that every single thing you own is truly owned by you, debt free. 

It's not impossible. Though there will be step backs (when Jacob was sick we didn't have any extra to work on paying off the mortgage...every extra penny went towards gas, food, medical, etc.), stay the course when you do have a little extra. Forgo the vacation, the big screen tv, upgrading your car. It will be worth it in the end!
 

By the Book

This summer I've seemed to hit the jackpot on books at thrift stores.

This pile will nurture my art and soul. ;) A perfect find on a gloomy day. 

And this pile of workbooks was bought for only $2.50 and will get us through the summer and beyond. 

As a homeschooling family, curriculum purchases fall on the parents. Both the financial burden, as well as the burden of choosing a complete year's worth of educational materials. Some families buy sets of books, others pick and choose workbooks and materials, and others put together their own system. Whatever works for their families.

It can get expensive though. Especially when you are teaching several grades. All materials, such as art supplies, science experiments, etc. also come out of the parent's pockets.

So far I've done the complete school curriculum sets. I've done the mix and match of curriculum. The latter works for our family better than the former. I'm thinking this summer, as I organize all our school materials, I may realize that I have enough to put together our own curriculum for the year, supplemented with books from the library. I have some fun books (like a history book based solely on the Little House Series books). I have a home economics book that is popular among homeschoolers. Both bought at thrift stores for under $1. I have Alice and Jerry readers. Piles of workbooks. Plenty of chapter books. Art supplies. School supplies. I'm excited to set aside a day or two to go through our school items and come up with a lesson plan to meet our needs for the year...and possibly save hundreds of dollars in the process as well as use up the items we have on hand.

I'll highlight what I've come up with later this summer, but given that the beginning of the school year starts just a little over two months from now I need to get on it, because if I do need to order a few pieces to complete the year then they will need to be ordered soon.

A homeschooling mama's work is never done! 

Finding Treasures

The kids and I headed off to another city wide garage sale and hit a few good treasures!

My favorite trinket find was this cute globe, which is actually a little bank. For some reason I seem attracted to globes for decorating and this is the second globe to be added to my "collection".

And that beautiful quilt underneath? It's a twin sized quilt and so original (those greens and reds just scream vintage summer to me!). The woman told me that her mother made it "forever ago". I questioned why she was getting rid of it and was told that she has too much stuff. I told her the quilt would be well loved in our house. 

I didn't even take it out of the package at the sale, as I had already fallen in love with the colors and knew I would buy it no matter the condition (for $5, how could I not?!). When I arrived home and pulled it out I about gasped at how sweet it is. Hand-stitched and in great condition with just one teeny tiny tear and a few small stains.

I hope the woman never regrets selling her mother's handmade quilt. I know I'll always treasure it - it's one of my favorite quilts to date!

The kiddos had fun too! Miss Amy with her new sunglasses and a little bag of Wizard of Oz dolls (her total came to 40 cents today!).

Joe had $12 in birthday money to spend and (surprisingly!) did not let it burn a hole in his pocket. He spent $2 on a giant pirate ship and $1 on a motorized train and has the rest saved for a rainy day.

Becca bought one tiny Littlest Pet Shop and two books for a grand total of 55 cents. 

They are learning the value of a dollar and what is/not worth spending their own money on.
 

Green!

I think I'll snap a photo of my gardens (both flowers and vegetables) periodically throughout the summer to document how it grows it changes.

The flower bed out front is already starting to bloom on the border. I love seeing the bees and butterflys stopping by for a visit. 

My garden grew almost overnight with the rain we received the past few days. The peas are starting to climb so I just put the trellis out.

This year I am using grass clippings as mulch around the plants. It keeps the soil moist, cuts back on weeds, and adds nutrients to the dirt and plants. 

New to our gardening routine this year is our rain barrel. It comes in the nick of time as I just saw that our sewer and water prices are going up.

The barrel is filled with even a light rain and then can be used for watering the plants around the yard. The bonus, besides saving money, is that the plants enjoy rain water much more than city water (kind of scary when you think about it...we are drinking the stuff that the plants don't like!!).

Cut Backs

Remember last year when I spoke about downsizing at my husband's work and a $1 an hour pay cut? We were finally getting our budget back on track close to 12 months later. 

Then BAM! He is told this week that they are no longer paying for the half hour lunch break starting the end of this month. So instead of getting paid for an 8 hour day he will be getting paid for 7 1/2 hours. It doesn't sound like much. But then when you figure it out that is over $1,500 a year that they are cutting out! That is a big, noticeable difference!

What do you do when you were getting paid MORE two years ago? When prices of food, housing, and over all everything has risen drastically in the past two years and your income is slowly quickly dwindling? When even before this recent cut back you are told, when filing taxes this year, that your family would qualify for $500 in food stamps?

We don't want to sign up for government assistance just because we "qualify". The first step is to...

Not panic.

My husband still has a job at least. 

We are still in the top 2% of the richest in the world's population, based on the Global Rich List (that's crazy when you think of it because in America we are probably close to the poverty line).

Guess what? Americans are spoiled. In most populations you would be considered rich to have a warm house, clothes, and enough food to eat. All the creature comforts of the world.

In America you aren't even considered comfortable unless you have the newest electronic gadget, the current popular clothing brands, money to get your hair and nails done, a newer car. All frivolous stuff. 

We will be able to have our house. Our clothing. Our food. Some creative budgeting will be set into place. Necessity is the mother of invention, after all. 
 

Leather, Rinse, Repeat

I ran across, on Instagram, a way to clean up leather a few weeks ago. It reminded me of a favorite purse that I have, which I set aside due to some staining and wear.

I bought this Fossil purse at a garage sale several years ago, for something like $2 or $4. It's such a nice leather, and reminds me of a well worn saddle.

Once on vacation I bent down to observe some sea urchins in an aquarium and my purse fell in! The man opposite just stared at me, like "You dumb idiot!" and I wanted to shout "That's the least of my clumsiness!" 

Alas, my purse became somewhat water stained and dingy so I put it away in the closet.

Since I didn't have much to lose, I decided to try this little trick to clean up the leather. These are the before pictures: 

I added some warm water to a bowl and one (just one teeny tiny drop) of blue Dawn dish washing soap. I used a microfiber rag, got it wet, and rubbed the water into the outside of the bag. It's scary, because it does dampen and darken the leather and I was scared the whole time that I was ruining it (worse than it already was).

I then let it dry and it dried to a nice, clean, fawn colored purse, which I'm sure is what it looked like when bought new. These after photos show a cleaner, prettier bag:

I probably wouldn't try it with a $200 purse but when it's clean it or ditch it, it's worth a try to save it! I bet there is actual leather cleaner that you can buy, but I'm happy with these results!

Grocery Update

I've done both good and bad with my grocery shopping and budgeting. 

Bad because I still haven't kept track of how much groceries are costing us weekly.

Good because I have made changes for the better.

One of the biggest changes is shopping mainly from the sales flyer each week and stocking up on the loss leaders. Eggs were on sale for 99 cents a dozen so I got 4 dozen. Butter was $1.29 (or was it $1.59? Either way, it was cheap!) so I got the limit of two. When it's a good deal, I'm grabbing and stocking up on several to last us until the next sale.

The biggest change for us is that we make a few trips a month to the local Amish salvage store. What is that, you ask? When a grocery store has items damaged in shipping (dented cans and boxes) or close to expiration dates they often send them to "salvage" where businesses can buy large boxes often by the pound and resell them. While you have to watch closely for the expiration dates (I don't mind a month or two expired as "best buy" dates are often just suggestions) the deals there can not be beat.

The nice thing about this store is that items come from all over the country, so you can find things that you can't buy anywhere locally. You never know what you will find so if there is something awesome I grab them all! 

For example, my last shopping trip netted:

*R.W. Knudsen Organic Blueberry Pomegranate Juice for 75 cents a bottle. I know that our local health food store sells this brand for over $4 a bottle. The expiration date is not until 2016 so I bought all 8 bottles they had.

*A 12 bar package of Clif Kid Z organic brownie Bars for 75 cents. Expiration date of Sept 2015 and the box just slightly dented.

*Celestial Tea boxes. These are "holiday flavors" such as Sugar Plum Spice and Pumpkin Spice. They don't expire until 2016. I bought all the boxes they had, probably 10 in total for 50 cents each. 

*Deliciously Organic Better Baking Blend (Coconut and Cane Sugar). Doesn't expire until July and was just 50 cents for a pound of it. I bought the two bags they had.

*Annie's Organic whole wheat shells and extra cheesy cheddar sauce. 75 cents a box and expired a month. My kids like mac and cheese for lunch sometimes so I bought all 10 boxes they had. These sell for over $2 a box at the store. I think more like $3 since they are the creamy deluxe version.

*Starbucks and Green Mountain Ground Coffee for $3 and $2.50 a bag.

This is just a sampling of what I have bought there. For example...I have chicken in the crockpot for supper and topped it with a jar of natural salsa I bought there for 65 cents. I will add in the Zataran's Red Beans and Rice mix that I bought for 30 cents a box. It will be rolled into a tortilla and topped with cheese for a very inexpensive supper.

Next step is to keep track of my weekly spending. We shall see how that goes! ;)