Monday, July 24, 2017

Hey, It's Okay

I got this idea from Glamour magazine. You can link up any day of the week. All you have to do is make a list of what you're okay about. Simple! Please do not link up a post that has nothing to do with Hey, It's Okay. It's rude.





Hey, It's Okay....




....to have thought the race between Michael Phelps and the shark was cheesy. I kept hearing about it so I caught it on repeat and I was like !!!??.



....to finally have checked out Schlitterbaun, which is this giant water park nearby. Tom's Great Uncle visited us from Houston, and he works at Schlitterbaun Galveston, so we got in free. It reminded me why I generally don't go to theme parks with my husband anymore though. He's too impatient for me.



.....to have really liked the movie Dunkirk. I highly recommend it!



....to be really annoyed with how Big Brother is going. I'm close to giving it up. I cannot stand Cody and Jessica.



....to have picked this birthday cake funnel cake at Schlitterbaun for my lunch. It filled me up, that's for sure! There was a funnel cake, birthday cake flavored ice cream, and whipped cream. Yum.









Sunday, July 23, 2017

How I'm (Mostly) Debt Free

I hate being in debt. Hate it, hate it, hate it. It's the worst feeling for me. At the moment, I don't have any car payments. I don't have any credit card debt.

I DO have a mortgage though, so currently that is my only debt.

Here are ways I was mostly able to be debt free.








1. Pay more on your car payments.  I always paid over. Sometimes $100 over. Sometimes only $50. But something. I wanted it to be paid off as soon as possible. Plus, before you buy a car try to have money set aside for a decent down payment. The more you can pay in the beginning, the lower your payments.


2. Live below your means. There are times when I COULD go out and do stuff. But I opt not to. This is not to say that I don't have any fun: I do. I've gone to Disney World multiple times. I love to eat out because I hate to cook. But I watch the spending. Yes, sometimes we're known as the cheapskates, but hey, we're the cheapskates with hardly any debt, so...


3. Sell your old stuff to buy new stuff. It's no secret that I love to buy clothes for my kids. In order to do this, I sell their old stuff. I usually sell it on eBay or Once Upon A Child. With the money I receive, I turn around and get new things.




4. Don't buy all the new stuff. I recently upgraded the 32 inch TV that was in the living room because hey, it still worked, so why did we need a new one? For the longest time I had a flip phone while everyone else was running out to buy smartphones. You don't need ALL the new gadgets. If you can't afford a drone, don't get one. Yeah they might seem cool, but they crash easily.


5. Adopt, don't shop. Both of our cats are from the shelter. When we got them, the money we paid went to the shelter so they could help other animals in need. Granted, I am a bit of a hypocrite here, because if there was a way I could buy my own Grumpy Cat, I would.




6. Coupon! I am NOT an extreme couponer. I don't do the double coupon thing or get 100 of one item. But I do use them. Coupons.com is a fantastic site. Also, before buying anything online, I ALWAYS check retailmenot.com to see if there is a code to use. More often than not, there is!


7. I use ebates! Before I purchase something online, I also check eBates to see if the website is listed. If it is, I'll get cash back. It's so easy. All you do is click on the store link on the eBates site, and that's it! You'll get money back! If you do sign up for this, please use my referral link here.


8. I don't smoke. I would imagine smoking or vaping would add up in cost. I also don't drink much, so I'm not running out buying booze every week.


9. My kids aren't in every sport out there. I'm not one of those people who feel the need to put my kids in everything. Unless they have a passion for something, I won't bother. My son was never interested in sports. My daughter has done gymnastics for years. She was actually offered a spot on the team, but we declined because she didn't seem to care one way or the other. I wasn't about to shell out a ton of money for a kid who'd whine about doing meets and going to extra practices. At the moment my daughter has decided to NOT do any sports, and I won't push her.






10. I try not to put a ton on a credit card. Sometimes this is easier said than done. When Tom and I were first married, we didn't have a lot of money so we relied on credit cards. When I saw the interest fees, I freaked. I vowed that we would try never to put more than we could pay off the following month on the cards again. But life can have surprises so there were times when we had to do it. These days, however, we pay off the cards every month. Credit cards aren't always completely evil--they will build your credit, at least. The cards I like are ones from USAA and the Amazon Reward Card, because I shop there weekly. (Another thing I have to put limits on at times.)


11. Do not lend money to family and friends. It only causes issues. If you're going to give money, have it be a gift. Trust me, it's easier that way. Otherwise you might have to deal with people not paying you back, which can lead to resentment. I know we've declined giving money to family because we have two kids to send to college. It's okay to say no.


12. Put money aside each month in savings. Sometimes you might not always have a lot to put back. But $1 is better than nothing. I like to always have something to fall back on in case something breaks. Vehicles aren't cheap when something is wrong. And now that we're homeowners, you never know what can happen.


13. My husband and I don't care about fashion. I basically live in my jeans, t-shirts, and sneakers all year long. Tom lives in his khakis, t-shirts, and sneakers all year long. Plus his military uniform. We don't give a hoot about name brand stuff. I'm missing the girl gene that makes me gaga over shoes. I carry a purse found in a clearance bin. I'd rather buy books. Or clothes for my kids. But even they aren't walking around in Coach and Tom Ford stuff. Tom Ford is a clothing brand, right? Or no? That shows how much I know about fashion...it's okay if you DO care about fashion, but don't go overboard. The people in your life should like you no matter what you have on and if they don't, maybe they aren't the people you need in your life.




I might not always be mostly debt free. There might come a time when I have to buy another vehicle. But for now, I'm busy setting money aside just in case something comes up.


How do you save money?

Wednesday, July 19, 2017

Why Pointy Nails Scare Me

I admit, I'm not that girly. I've never had a manicure before. When I say this to people, they're like:




But it's true. It's mostly because I do a lot with my hands and a manicure wouldn't be worth it. Plus I can't have things on my nails--I feel weighed down. It's most likely a sensory issue. I also don't bother because I'd rather spend the money on a book.

I've noticed that pointy nails seem to be on trend.

These.



And I have odd thoughts going through my head when I see them. I mean, yes, I admire the color, because I do love colors.

But here are my thoughts, because I've always been strange, and here is why they scare me:




1. Wouldn't they poke someone in the eye? What if you go to hug someone and a nail goes into an eye?



2. How do you wipe properly? I'm not trying to be gross, but seriously, can the TP still be gripped? Or would the nails rip it?



3. Can you clean? I clean daily but I imagine the nails would get chipped rather easily. I'd be doing the dishes and SNAP! I'd be pulling off the couch cushions and SNAP!



4. If I rub my eye, would I poke it? I know this goes along with question 1, but I also worry that I'll poke my OWN eye and then have to rush to the ER and be like, "Oh, I was rubbing my eye and my claw jabbed it."



5. Do tiny kids call them claws? Because they sort of look like colorful claws to me.



6. Is it expensive to get the nails to look like this? It looks expensive. As I mentioned before, I'd rather buy a book. Or go to Target.



7. Can you type properly with pointy nails? Or do you have to peck the keys?



These are probably some bizarre thoughts. But you know. I do wonder. Aren't you curious? Or maybe you have the answers?


So do you have pointy nails?


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