Well hello 2009! This year for me is all about making my goals! I know, we all have New Years Resolutions but how many of us actually stick with them? I am one of those people so using the term “New Years Resolution” will just fly by me. It is all about “making goals”.
Our main problem is obviously-MONEY. We have none. No extra and lately none to even cover the basic bills. I ended up paying the lawyer all but $100 so technically he is not paid off. I was little upset by that because I really wanted to file before the end of 2008. The problem was, the company that my husband does the bulk of his subcontract work for changed the pay schedule for the New Year so instead of getting paid this week to help cover bills-he wont be getting paid for a few more weeks. So we needed that $100 to cover the car insurance. It is OK, the lawyers office had limited hours anyway for the holidays and I hate to be in a rush with this kinda stuff. We will go in a few weeks.
With this, hubby questions if going out and trying to find a “real 9-5 job” would be the answer. I say NO. He wants a “steady” paycheck but I believe we can do it this way but we gotta work at it. Besides, I love the fact his hours are flexible and how he is there for the kids. We save money not paying for 2 cars, insurance for 2 cars, gas money and I don’t have to worry about the kids getting to and from school and being home alone when there is no school. Technically, the money he would be making from a 9-5 would just be paying for all of that. The only difference is-he would have a “steady” check. Is anything really steady? Especially in this economy? So we gotta work at this-we just gotta.
I know I have written it here and here is where my procrastination comes in. I found survey sites that pay, articles sites that pay, get-paid-to sites that pay, blogging that pays but I am myself am not utilizing them. It took me a while to find them too. I will say that last month, the little extra money from the few surveys and articles we did do really helped us out. Hubby signed up and he is starting to do it but this stuff takes time and patience. I lack those 2 things but I am working to change that. I say time because it takes time to do this stuff and to see results. Patience because you don’t get paid right away-sometimes weeks, sometimes a month. I am always in the “I need money now” mode and I get discouraged. What I am learning is that you need to make a schedule and be consistent with this stuff. Once the money does start coming in-you will have a little bit coming in from everywhere. I know this so I really need to get on top of it. It’s not hard and you can make some money doing all these things.
Just being a mom working full-time 80+ hours a week drains me and I am not getting anywhere this way. So my goal today in writing is to make a schedule and keep to it. Do xxx amount of surveys and articles a day in xxx amount of time and dedicate so many hours a week getting my niche sites up. If I do that and I teach my husband how to help me with these sites (he knows nothing about blogging lol) then we should be able to do this and not be in the same boat every month-BROKE.
If you are in debt, you can do it too but don’t be like me and not keep up with it. A lot of this stuff I found is basic and anyone can do it but it is not free money. It does take work. I will be posting links on my next post.
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Tags: Economic, Money, New Years Resolutions, Procrastination
I know that you’re doing things the way you want to do them, but I have to admit that I’ve never understood why you’re sticking with your husband not having another job. Either a 9-5 or even something in the evenings.
The surveys and stuff… I’ve never done them, but I wonder if you did the math on how long it takes to find and complete them, what the dollar-per-hour would work out to. It just doesn’t seem like it would be sufficiently profitable in the short term to really help stabilize your situation right now. And when I look at your blog, it always seems like right now is when you genuinely need the money.
I guess when I read about your situation and what your husband does/what you want him to do/what you yourself would like to do, I feel like there’s a disconnect. It’s like you’re someone with cancer who needs chemotherapy, but keeps talking about getting cosmetic surgery. I feel like it would be better to deal with the crisis in the most practical and direct way right now, and figure out the more nice-to-have approach to other things once you’re on a more stable footing.
I know that it’s your life and that there are probably things I don’t know or don’t fully understand. This is just my opinion as an outsider who sometimes visits your blog and who does genuinely hope that things work out for you.
Hi Joanna,
You have brought up some good points. Without sounding like I am making up a million excuses-I am trying to find the words to explain our situation.
After this week and his pay schedule mix up-we knew we were really “screwed”. On the ride home from work today, all we talked about was the whole job situation. We know we are getting nowhere this way. We know this.
The problem is-even though I did not want him getting a 9-5…resumes and applications were still going out just to see what he would get. Nobody is calling. Everyone is laying off here. Even low pay jobs are hard to come by. He is even trying those. The problem is-if he did get a low paying 9-5 just for “steady” income-it wouldn’t be much after the expenses we would pay just for him to work it(childcare,car…etc).
Now if it was an evening job-even low paying which we both have been looking for-we would jump all over it. The car and childcare would not be a problem because 1 of us would be home.
We are both on the lookout for a part time but so are many other people compliments of our economy. I already pick up as much overtime as I can at work to try and help. In the mean time, I do these surveys and articles from home at night or early morning. I do them whenever it is convenient and I can do them from home. I get a few bucks in my Paypal account a few days after and it does help. Getting free stuff helps too. As far as calculating how much I would make hourly-I haven’t tried that out yet. I take it as getting some kind of money coming in rather than nothing.
I do appreciate your insight. These are things I think about consistently. In fact, too much. It is nice to hear what others think and get advice when I can.
I know I wont always make the right choices and decisions but I will admit things are not going right in our financial life and it does need to change. We are working on that.
it can be hard to get work, I know it took my DH 3 years to get this part time job and he has a great work history, as much as people want to believe that it’s always easy to find work it isn’t always the case. all the best