Friday, June 17, 2011

Take it or leave it

The good news is I'm expecting, although others may not feel the same way. People have they thoughts and make their little comments, and I realize who I DON'T want to be around. If my post tonight sounds a little hostile, I'll blame part on hormones and part on how other people are affecting me today. Yes, we have 4 kids altogheter... no we don't have it "all together", but we are totally THRILLED about adding to our family. I will never say I'm a great parent but darn it everything I do is for the good of my family. I may seem hard on the kids at times but only because I have high expectations, because I know what our kids are capable of. If you aren't going to expect anything from them then who will, they won't crave greatness if nobody says its possible!
Summer is here and the first month is always the hardest. We have our almost 10 year old in softball, 2 games a week plus practices and whatever tournaments they can squeeze in. Our almost 7 year old is in pee wee baseball, which is another 2 games a week and tournaments wherever possible. Then little 4 year old, who's birthday party we had to squeeze in on a weeknight because it was the only time we had all the kids and a free evening until 2 full weeks after his birthday, and he has t-ball every sunday. On top of that we have 2 weeks of swim lessons for an hour total, not including driving time.
I've been letting the kids slack ontop of all the running we've been doing and I'm exhausted and the house was starting to look it. So I made up their chore chart to look like a baseball diamond, if they did their daily to-do's they would move from base to base and for the big chores they would hit a home run. The house got very nicely picked up without fights and hesitation. I'm hoping we can keep it up.
Now the Hubby and I have decided our dogs need to go. They are great dogs, but we just don't give them the attention they need. I've never been one to feel a great bond with a pet. They are nice to have around but my world revolves around my 4 little people, plus one on the way and my hubby... not including my very tight knit family! I'd love to get them out everyday and train them and have them as trusty gaurd dogs but instead I spend my time with kids, running them, hugging them, playing with them and teaching them.
This may be a hard lesson for them and I, but sometimes you have to cut some things out of your life to have more time, money and energy to spend on more important things.
Right now I'm feeling judged, and a little sad that I have to accept that I can not do it all, but all that I do, is for my family.

Friday, June 10, 2011

Pay Attention to the Bank

This week has been rough. 
  • First we are getting behind on bills. 
  • Second trying to get ready for family pictures ( 5 years past time). 
  • Third it's summer and the kids think that means mom's job is to entertain them Haha. 
  • Fourth is that I'm trying to get my finances in order (no need to explain why this can be rough).


On the bills thing it was bound to happen. I swear that it's on our marriage contract or something. 

Certificate of Marriage

Let it be hereby known to one and all that

The guy in glasses

Were untied in holy matrimony
 In continuation they shall hereby fight bills from June until tax time until death do they part.

What is that in the small print? Ah crap!  

Besides that, I got everyones hair done for a small fortune in hopes of great picture. So times I wonder why I even try. I'm not even going to go there. Here's hoping I'm just picky and that the pictures will turn out great.

As for the kids maybe next week will be better. I think I have at least one of them signed up for some kind of camp during that week. That should help right? Crossing fingers.

Now to the big one. For the last oh I don't know 5 months or so I have been doing very little to keep track of my bank accounts. Meaning that I only checked on it to see if I had enough money to get gas in the car or something equally normal. But keeping track of it from day to day, check to check or anything I didn't have any intrest. I'm not even going to make up excuses. I was dumb.

So I decided one day to organize my computer desk dust off my bank folder and put away my statements that were piling up. Taking a glance through before putting them away I notice a few things out of place. The more I looked the more I started to chew my nails. I wanted to roll around on the floor shouting and kicking and screaming like my kids do. Being an adult "This is my fault" reason dug in despite my anger. So being an adult I called my bank to get things straighted out. The lady on the phone seemed to be listening carefully and said that they would get it all straighted out. A few days later they send me a confusing array of papers that I finally figured out had all but one problem fixed. The problem I was most concerned about of course. 

Having already spent my morning trying to keep my head on while dealing with my kids I wasn't looking forward to dealing with this. But deal I would. So I sat at my desk highlighting all the things I had questions about (good to double check things). Then packed up my bad children into the car to go to the bank. Horra! I mean HORROR! 

When I arrived they didn't show me to an private area they just had me stand there in the open with my kids acting up while I tried to explain and get explained to, how it should be fixed. I could have used a seat and some straps for my children. But no! 

The lady finally sees the mistake and says she will look into it and I ask her about one of the service fees. This is where I am in shock and disgust. She encourages me to read some fine print flier that I swear is in code so that I will understand the fee. Yah right! I wanted to kick myself for all of this. 

I'm telling all the banks.  GIVE ME THE TERMS VERBALLY! IN ENGLISH NOT LAWYER SPEAK. All these papers are just too much work and always makes me just want put my money in a hole in the back yard. No offense to any lawyers. It's just that... well, it's over my head.

Anyhow, I got home and started calling around. There was no way that I was going to pay these stupid charges if I didn't have to. Low and behold none of the banks I called had anything like what I was finding at my bank. Look who is going to find a different bank.

The grim fact is that I'd just ordered a bunch of checks. I wonder if I can return them... "I would like to return these unopened checks. I will no longer need these as I wont be banking here any longer." How do you think that will go over?

So the moral of this story is don't be dumb with your money like I was. Keep track of what your bank is doing don't expect them to get things the way you want them or to even understand their own processes. The people working there are human and the bank wants to take your money, not just hold on to it.

Strike it Rich with Pocket Change- Review

I just finished reading Strike it Rich with Pocket Change by Ken Potter and Brian Allen. The title is a bit misleading. It makes you get dollar signs in your eyes and think this is your easy get rich scheme. It's not just that easy. Though if you purchase this book it is a little easier than doing it on your own. The book explains the different mistakes that happen in the making of coins. You need to be informed before you start. This book however then goes into the coins with a leap. Surprised me how fast it switched gears. The authors went on to tell exactly what dates to look out for, what mistake (double dies, clashes, thickness...) to look for and shows examples to each.  The pictures are as clear and helpful as anyone could hope for. Don't forget sale value. For most coins mentions he shows an estimated value and examples of what it has been sold for in different markets. Along with these he also provide sites to find coin dealers, sites to sell coins and a list of other books that would be helpful. It really is a thoroughly constructed book. I would suggest this for anyone interest in collecting or selling mistake ridden coins.

Wednesday, June 8, 2011

Recycled Word searches for your preschooler

This summer my older kids came home with work books to work on. I think this is great. So that the kids don't back slide too much before school starts up again. Unfortanately the preschool didn't send anything home for my preschooler to work on until kindergarden starts up. He was feeling so left out that I made some "homework" for him.

For those that have puzzle books laying around this project is for you.

Working with letter or number recognition
-Cut out your printed Fill-In A Word you've already finished, or printed Cross word boxes, Word Finds, Sudoko
-Remember that this is for a child so if it's a large box cut it down to a proper proportion.
-Pick the letter/number that you want them to work on and on a separate piece of paper draw it in a big colorful marker
-Make sure that there are plenty of that letter/number in the puzzle and tape that puzzle under the letter/number.
-Give your child that color and let them color in that letter/number or circle them

As you can see he is enjoying it and even decided to do A's on the B puzzle and did B's on the A puzzle by the time he was done. It took awhile but I made one for each letter of the alphabet to put in his summer folder for him to work on. Note- make sure that before they start doing the puzzles that they say the letter that they  are finding and sometimes it helps them if you help them find the first one.

Sunday, June 5, 2011

Money Secrets of the Amish Reveiw

I've recently read a very interesting book by Lorilee Craker. The book is called the Money Secrets of the Amish Finding True Abundance in Simplicity, Sharing and Saving.It is exactly what the title says it's about. As a hole it was an easy read that touched on many bases. Some of which were food, shopping and credit. All of which were I found very truthful and somewhat enlightening. I have enjoyed reading and learning a little more about the Amish. I was a little disappointed about how often she went off track from the Amish ways of saving. Despite going off track Lorilee does break each chapter down for you and giving a few tips that if put into action would save many of us quite a bit of money. Along with a more appreciative way of living. All in all a nice read that may help you see new ways to save.


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