Category Archives: Life

Because I need one more place to post things on the Internets

Since I launched this blog in August 2008, my interests have changed and grown. Because I love this here blog, I’ve just kept expanding its content to fit whatever I’m interested in at the moment. What started as a money blog has now become a money blog, a lifestyle blog, and a mommy blog all smushed into one little website.

I have no plans to make any major changes to my content. My apologies if you miss the days of yore when all I wrote about was personal finance, but I’m happy with the way things are here. I like writing about my baby and my life and my money, because I think they’re all connected.

However. I also like other things. Artsy-fartsy, crafty, quilty things. One of my unpublished New Year’s resolutions (if I had shared them all, the post would go on for miles) is to start actually acting on those creative impulses more. I want to learn to sew things that are practical and pretty. I want to use my sewing machine for more than just making quilts. I want to learn to knit and crochet and do all sorts of other crafty things.

Rather than cramming one more topic into this already overloaded blog, I decided to launch yet another place where I can share things with the Internets. BEHOLD!

I can’t promise that it will be updated with any regularity in the beginning. But when I’m feeling inspired or I’ve actually finished a project, StitchWit.org is where I’ll share it. Since I know a lot of you are into this sort of thing, I’m hoping you’ll subscribe to the RSS or pop over every now and then to see what I’m up to over there.

I’m feeling pretty motivated right now, so hopefully I can make this one stick. Writing about personal finance helped me learn so much about money, and I’m hoping a craft blog will have the same effect on my creative skills. We’ll see!

Now I’m looking for crafting and sewing blogs that will inspire me. What are your favorites?

Resolutions for 2012

My standard resolution for, oh, 10 years or so has been “eat healthier and lose weight.” So far I’ve only stuck with that resolution for 1 out of 10 years. Pfft. I suck.

I’m not giving up on that resolution. Lord knows I have more weight than ever to lose this year. But starting last year, I decided to focus on other things, too. Things that are easier, more fun to accomplish, and will improve my life in other ways. Here’s what I want to accomplish in 2012.

Organize paper clutter.

I have complained about the mountains of paper that stack up around our house for years. I need to finally find a way to keep them organized, keep paper off the kitchen table, and keep it out of my way. I’m working on an organizing station, and I’ll let you know what we come up with.

Start crossing off to-dos around the house.

It’s been over 6 months since we moved into our house, and we haven’t really done anything meaningful to make it our own. We haven’t painted, we haven’t begun any of the projects we’ve talked about doing, and we haven’t even hung anything on the walls yet (I know, it’s terrible). I’m not a good decorator, but I love this house, and I want to make it even better.

Get strong.

I’ve been attending a strength-training class at my gym three times a week, and I have really enjoyed it so far. I’ve never done any strength training before, so I want to stick with it this year so I can get stronger, feel better, and change my body. We’ll see what happens!

What are your New Year’s resolutions for 2012?

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Why my failed 365 Project was really a success

Last year aside from my standing resolution to eat healthier and lose weight (pfft), I resolved to take at least one photo every day. This is known as the 365 Project, and people all over the Internetz and Flickr participate in it every year.

My motivation lasted longer than pretty much any other resolution I’ve ever made. I took a daily photo (skipping a few days here and there) until the middle of July. Even though I only made it halfway through the year, I learned so much. Here are a few things I took away from the project, and why I believe everyone with an interest in photography should attempt to do it.

It made me a better photographer.

When I look at the photos I took at the beginning of the year and the photos I take now, I am blown away at how much better my photos have gotten. At the beginning of the year, I used the terrible built-in flash on my camera for indoor photos, which washed everything out. Now I shoot in RAW, color correct photos in Photoshop, and I’ve learned better angles and techniques for getting the shots I want.

I learned that special occasions aren’t the only moments worth capturing.

I had two goals when I started the project: I wanted to take better pictures, and I wanted to take more pictures. Judah was 5 weeks old when I started the project. I felt like he was growing so quickly, and I wanted to create a permanent time capsule to remember him at each stage. Because I was always on the lookout for a daily photo, I learned to view everyday moments as photo-worthy. Some of my favorite pictures were taken on some of our most boring days around the house. But those are the moments that we most easily forget, I think. That’s why it’s so important to photograph them.

I learned not to force it.

Some of my least favorite photos were taken at the last minute when I said, “Oh, crap. I never took a photo today!” When you’re trying to take a photo each day, there will inevitably be days when nothing photo-worthy happens, or when you don’t feel well, or you’re just too busy to remember to pick up your camera. I don’t regret taking these last minute photos, because it doesn’t hurt to have them, but I learned not to waste my time forcing photo shoots if I’m not feeling inspired.

I learned the importance of editing, deleting, and organizing photos.

I already had a pretty good process in place for editing and organizing photos before I began the project, but when you’re processing 100-200 photos a week like I was at the beginning of the project, you realize just how important it is to delete the doubles and bad photos, edit the good ones, save them in an organized way, and back them up in multiple places.

If you’re dumping every photo you take into a folder on your hard drive, I urge you to resolve to stop doing that in the new year! You are killing your storage space with photos that aren’t worth keeping, making it harder to find the good photos, and the more time passes before organizing them, the harder it becomes to delete even bad photos. Every photographer takes five or ten or even twenty bad photos for every good one. Delete the photos that aren’t worth saving, and organize the ones that are!

I learned that the secret of taking good photos is taking a lot of photos.

I am the first to admit that I’m not a great photographer, especially when it comes to my wiggly baby who refuses to sit still. Most of my favorite photos were taken by holding down the button, and taking 10 photos in a row while Judah runs wild. At the end of many photo shoots, I was convinced that I didn’t have a single good photo. But when I went through and edited them, I was surprised to find a lot of good ones. If I hadn’t taken a million photos, I wouldn’t have gotten those good shots. I am not ashamed to admit that many of my best photos are taken totally by accident. My New Year’s resolution for 2012 is to take more good photos on purpose. For now, I’m just happy to have some of the shots that I took accidentally.

If you’ve never tried the 365 Project, you want to improve your photography skills, or just force yourself to take more photos, I definitely thing you should do it! You will be amazed at how much you learn, even if you end up quitting halfway through the year like me.

You can see all the photos I took this year here. I’ll also have my yearly slideshow ready sometime after the 1st. :)

Have you ever tried the 365 Project? What did you learn?

Happy holidays!

I didn’t mean to break for the holidays so soon, but I’ve been rushing around like a mad woman this week with last-minute Christmas preparations, and I just realized I haven’t had a chance to post at all. Doh.

I suppose now is as good a time as any to take an impromptu holiday break. I’ll be back after the New Year. In the meantime, enjoy a wonderful holiday with your families. Eat, drink, and be merry! And thank you for helping make this one of the best years of my life.

Fun holiday tradition: 12 days of Christmas

When I was a kid, I always looked forward to a fun tradition. For the twelve days leading up to Christmas, my mom would wrap small gifts for my sisters and me. Every day before school, there were gifts on the kitchen table for us to open.

The gifts started out extremely small — a pack of gum or a candy bar. As we got closer to Christmas, they would get a little fancier, but still small — the biggest gift on Christmas Eve would maybe be a CD or a DVD. The gifts were essentially stocking stuffers that we opened in the days leading up to Christmas instead of Christmas morning, but it was so much fun!

This year, Tony and I decided to do our own 12 days of Christmas. Every day until Christmas, we’re exchanging very small but thoughtful gifts. It’s a fun tradition, and a great way to show that we’re really paying attention to each other.

It’s not necessary to spend a lot of money or any money at all to show your kids or your spouse how much you love them through small gifts. I considered making a “pizza night” certificate for Tony. Since he does the cooking, I thought he’d like to have a pass to skip cooking and order pizza any night he wants. I ultimately decided that was sort of lame, since he already has that power anyway, but I thought it was a fun idea anyway. I also joked that he should give me a gift certificate for a free outing by myself while he keeps Judah at home. We’ll see if he takes my suggestion, but I doubt it since he said I can already do that whenever I want. (I’ll have to remember that from now on!)

I can’t reveal what I did get for him for the remaining days, but for days 1 and 2, he received a bag of M&Ms and a 6-pack of Coke in glass bottles — two of his favorite treats that he rarely indulges in. He gave me a mug for drinking tea or coffee and a package of Starbucks hot cocoa.

I apologize for not sharing this idea with you early enough that you could do your own version, but I literally decided to do it Monday, and we exchanged our first gifts Tuesday. So it was last minute for us, too.

Judah is too young to receive gifts like candy, and he really doesn’t need more toys. But I can’t wait until he’s a little older, and I can carry on this fun tradition for him.

What are your favorite holiday traditions?

Short break

I’m taking a break from blogging and the Internet in general this week as we enjoy a holiday vacation. I’ll be back next week. I hope all of you have a wonderful Thanksgiving. We’ll be celebrating the many blessings this year has brought us.

The most unpleasant topic in personal finance

I am embarrassed to admit that our son is almost a year old, and we’ve put this off until now, but right now we’ve begun the process of reevaluating our life insurance needs and writing our wills. Ugh, it’s the worst.

The truth is, applying for life insurance is a complicated process, and every time I sit down to actually do it, I start feeling overwhelmed and I hate the feeling I get in my stomach when I think about a situation where we’d actually need this life insurance and I decide to put it off for a little longer. I realize this isn’t a grown up way to handle the subject, but I imagine I’m not the only grown up who feels this way, so I’m admitting it now. If you’re feeling this way, too, I’ll tell you what I told myself: it’s better to get it over with, and then forget about it and hope that you never need it.

So. The big question: How much insurance do we need? For Tony, we’ll need a considerably higher amount of insurance since he is the primary earner. Tony already has a policy provided by his employer that equals two years’ salary. That’s certainly a start, and if we didn’t own a home or have a child, it would probably be enough for us. But in the event of the unthinkable, we want to pay off the mortgage, pay our remaining student loan debt, and provide enough income for me that I can continue to stay home with Judah and any future children until they’re teenagers.

For me, our needs are less. We’d basically want to pay off the house and remaining debt in the event of my untimely demise. We’ve chosen not to include education needs for children in our life insurance estimates at this time. We really just want to cover immediate needs. We may choose to increase our coverage later, but for now we think our money is better spent on accumulating savings and paying off debt rather than paying a high premium for a million-dollar life insurance policy.

Unfortunately, Tony has a pretty extensive family history of cancer, heart disease, and diabetes. I have heart disease in my family tree, too. So our premiums may be higher than people without these family histories.

This calculator from the nonprofit LIFE Foundation is a handy way to calculate your life insurance needs from an unbiased source. Insurance salespeople earn commission on most policies, so you might want to determine your needs before talking with a sales agent.

I’m contacting a few sales agents this week for quotes, and I’m going to determine what we need to do to get the ball rolling. I’m assuming the most annoying part of the process will be medical exams to determine our current health.

As for our wills, our needs are very simple. Since we don’t have a lot of assets at this point in our lives — mostly just a relatively small amount of cash savings, two tiny retirement accounts, and a house with a big old mortgage — our most pressing concern in writing a will is who will take care of Judah if both of us were to die.

I’m looking into alternatives to hiring an attorney right now. A service like LegalZoom may be sufficient for us at this time since our will is going to be simple. I’d appreciate any experiences you can share about that service as I determine if it makes sense to go the super budget route or pay a couple hundred to an attorney.

I’m not going to lie, I feel a little sick just thinking about this stuff, but grown ups have to think about yucky stuff sometimes, so I’m sucking it up. I sure hope we never need to use ’em.

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Working mom

I have some news today that I’m so excited to share. For the past few months, Tony and I have been discussing the possibility of me finding a part-time job after Judah turns 1 at the end of this month. Now that we’ve bought a house, we really want to ramp up our efforts to pay down our remaining student loan debt, and the easiest way to do that is to increase our income.

However, the idea of me working even part-time was complicated for a number of reasons. It wouldn’t make sense to pay the high cost of daycare for me to work part-time, but I’m still not ready to look for full-time work at this point. Most part-time jobs also require late evening and weekend hours and hectic holiday schedules, which didn’t seem like it would work well for our family. Tony’s schedule is one of the things I love most about his job. He’s lucky to get a lot of paid time off and a schedule that has him home more than the average full-time worker. We didn’t want to give up that time together as a family.

But yesterday I was offered an amazing opportunity that will allow me to increase our income without dealing with all of those complications. Beginning in January, I’ll be an adjunct professor at the college where my husband teaches.

I’ll be teaching a personal finance course through the college’s life skills department. Usually they prefer to hire people with business or accounting degrees to teach this course, but they agreed to interview me despite my Journalism degree because of my experience writing this blog. I met with them yesterday for an interview and a brief teaching demonstration, and they seem to think I’ll be a good fit, because they offered me the job!

They’re scheduling my classes around Tony’s schedule so childcare won’t be an issue, and I’ll have all the same time off that he does. I’ll only be out of the house a few hours a week in the afternoons. I’ll also have the option to teach additional classes online in future semesters, which means I’d be able to work from home. And I’ll get to talk about one of my very favorite subjects — money. It’s perfect.

I started this blog three years ago as a way to share my experiences with other people and hopefully make a little money at the same time. I never knew it would lead to such an incredible opportunity. And there’s no way I would have stuck with it for this long without such an amazing community of readers cheering me on, so thank you. Your continued support means the world to me.

Quick and easy ways to feel less cluttered

It seems like I’m always battling clutter of some kind. Papers stacked up on the table and desks; boxes of stuff I’ve been meaning to sell or donate for months; junk mail; random things that don’t have a place, so they just sit out in the open driving me nuts. When my environment is cluttered, even simple tasks can feel overwhelming. With the holidays fast approaching, I’m craving some peace and tranquility. So I’ve been working on getting the worst of my clutter under control.

Here are a few problems I’m looking to solve. Some of them are easy — I just have to motivate myself to do it already. Some of them require some creativity, and I’d love to hear your suggestions.

Get paper clutter under control.

I think most of us struggle with paper clutter to some degree, but our problem is pretty extreme. At any given time, my English professor husband is buried under 50-200 student essays and papers. When they overrun his desk, they end up on the kitchen table, the coffee table, and even the living room floor.

Thankfully, he’s mindful of how crazy this drives me, so he only scatters essays when he’s in the process of grading them, and he puts them away when he takes a break. But with so much necessary paper around, I feel more sensitive about the unnecessary paper. Junk mail, old bills, coupons, magazines, and other junk stack up and make everything seem less tidy. Here are a few strategies I’m trying to employ to get it under control:

  • Deal with junk mail immediately. It’s easier said than done, but I need to start sorting mail immediately when it comes into the house and putting junk straight into the recycling bin. I have enough paper to sort without making things worse by keeping junk around.
  • Create a paper sorting station. As much as I hate it, there is a certain amount of paper I have to keep around at least for a while. I need some sort of solution for sorting and organizing it so I can keep it off my kitchen table. I’ve seen lots of options on Pinterest, and I’m trying to figure out the best way to handle it. If I keep things sorted, it will make it less complicated to organize it and keep it under control.
  • Go paperless when possible. I pay all of my bills online, and I don’t have any real use for paper bills. Just like the marketing emails, I need to be proactive about eliminating this paper clutter completely. In the coming weeks, I’m going to start signing up for paperless billing for every bill I possibly can.

Unsubscribe from marketing emails.

Judah is almost one year old, and I still receive annoying pregnancy-related newsletters in my email inbox. I also receive newsletters for stores where I have no interest in shopping. It’s overwhelming to wake up to 50 new email messages, and 45 of them are junk. Plus I’m always afraid I’m going to miss something important, because it’s buried in the junk. I’m resolving to hit “unsubscribe” on marketing mail that doesn’t interest me rather than just putting it off by deleting it.

Tidy up.

I’ve gotten a lot better about this in the past few weeks, and it’s done wonders for my sanity. I deep clean the house once a week, and I take a few minutes three times a day to keep it tidy. It’s simple enough to walk through the house and put things where they belong a few times a day, and it makes the house feel clean throughout the week even though I don’t have time to clean intensively. I also do the dishes three times a day instead of once in the evening, which seems to help me feel more organized.

Just do it.

We have things laying around the house that we’ve been planning to do something about for months or even years. There are items that we’ve moved three or four times that we never use. Every time I see them, I think, “I need to donate or sell that.” But then it gets shoved into a closet or under a bed, and I put off dealing with it for another 6 months. I need to suck it up and take care of that stuff already. All it does is take up space.

What strategies do you use for conquering clutter?

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