Is it true that no matter how much money you make you never have enough?
I just can't imagine that could be true, but boy I'd like to find out! We just got paid Friday, and we're already almost out of money. It blows my mind! We had to buy a starter for the car, stock up on groceries, dog food, toilet paper ... the basics, pay the electric bill, school lunch, get a present for a birthday party, pay for a field trip, fill up the gas tank and it's all almost gone already.
I read recently about two women who spend their spare "mommy time" selling items on e-bay. They sell other people's stuff, keep 50% of the profits and each pocket about $3,000 a month. I work a full-time job and don't even make that much in a month! What in the world am I doing wrong? Why can't I make an extra $3,000 a month? What is there that I can do in my "spare time" that could make me money? What on earth do you sell on e-bay that would gross $12,000 a month in sales????
Sunday, April 17, 2005
Is it true that no matter how much money you make you never have enough?
Wednesday, April 13, 2005
When I got home from work yesterday I found out that my Grandfather had passed away. He had a heart attack around 3:30 in the afternoon. I'm still sort of in shock. I'm 30 years old, and I have never had anyone close to me die. I knew this day would come, but I never really prepared for it. I haven't allowed myself to grieve yet either. I live 12 hours away from where he lived. I feel horrible because I don't think I can make it to any of the services. We don't have the money for me to hop on a plane and fly there, and we only have one vehicle right now, so I can't leave my husband without one. He can't go with me as he is in a class this week, so it would just be me and the kid. I don't really know what to do.
Tuesday, April 12, 2005
Cop Cars and Psychos
I am so tired of people coming to my house for help just because they see a cop car in the driveway. My husband is a Sgt with a local city police department. We live, not only in a different city, but in an entirely different county than where he works. This morning I heard someone, who I thought was driving up and down the road, blowing their horn over and over and over and over and over... I had just gotten out of the shower, so I looked out the window and saw a car pulled half in my driveway that was still blowing the horn. I walked outside in my towel and said "Can I help you?" not in a very nice tone mind you. It was an old man who proceeds to tell me that he lives down the road and someone is in his house trying to murder him. I told him to hold on. I went back in the house and had to wake up my husband who in turn had to call the county sheriff's office.
A few months ago we had a girl come to the house banging on the door wanting to use our phone because her boyfriend was beating her up. People have stopped to ask directions, and one person even stopped to tell us he thought he had just purchased some stolen tools.
I just emailed my realtor and told her my new house MUST have a garage!
Monday, April 11, 2005
Having a 30 minute drive to work in the morning is no fun to start with, but OH MY GOSH!!!! I'm so tired of people driving in the left hand lane. PEOPLE... use the left hand lane for passing only and all traffic would flow much better. I could make my drive in 20 minutes if people would just GET OUT OF THE LEFT LANE.
Sunday, April 10, 2005
My Future NFL Center
I was just watching some coverage of Prince Charles and Camilla's wedding. What's up with the crazy hats???? There was one woman who looked as though she had a paper plate attached to the side of her head! Some looked as though they should be the centerpiece on a table. I heard someone say one looked as though a boulder fell on the lady's head. And Camilla... she looked like she had forks sticking out of her hair! I hope those fashions don't make their way over to this continent!
This post is filed under Fashion, Hats, Cop Wives, Current Events, Weddings
Thinking Outloud ... Sort Of
I'm looking for a new car. I don't know what to get! I really want the new Mustang in a convertible, but that just isn't practical for me. I need something large enough to haul my son, my husband, my son's friends, and my 5 dogs when need be. However, I need something that's economical on gas. I drive 40 miles round-trip for work everyday, and with gas prices going up the way they are, I'm going broke in my gas guzzling SUV. My husband wants a Toyota Tundra ... V8 ... whoa!!!!! that's even more gas than we're using now! I have been driving my sister-in-law's Camry lately, and I like it, but it's just not me. I need something a little more fun and exciting. Ford is making the new Escape Hybrid now, but it's so expensive.
Speaking of gas prices, why are they going up so much? Here in Upstate SC we're paying an average of $2.17 a gallon. That's a lot for this area. I remember gasping when it went to $1.75. It's not even summertime yet when prices historically get higher due to simple supply and demand and the fact that the gas companies have to switch to some different formula. How high is it going to get?
Any suggestions on a new car? What is your dream car?
This post is filed under Family, Cop Wives, Auto, and Gas Prices
I've been "the half of a cop" for 10 years now. My husband and I have a 9 year-old son. For the last 9 years, he has worked 3rd shift, 9pm - 7:30am. I've always said to my friends that I'm the only single, married, Mom in the world. I know that's not true because there are tons of you out there who know exactly what I'm talking about!
I decided to start this web space to share experiences with other cop wives. The only people that can understand what we go through are other cop wives, and I'm tired of not having anyone to talk to that understands my frustrations and fears. My friends around town will listen, but they really don't understand what it's like to go to bed at night not knowing if your husband will come home in the morning.
But, I don't just want to share those experiences, I want to be able to share all experiences. Like, the fact that I just quit smoking 2 months ago, and it's not easy to go it alone. And, the fact that I'm gaining weight now that I quit smoking, and I need to go on a diet!!!! And, the fact that we're house hunting, and I have to prepare for a move.
I also want to be able to exchange information with others about my hobbies. Dogs, for example. I love dogs. I have 5, one of which is my husband's K-9 partner. I groom dogs as well. I love to cook and entertain. I'm involved in my son's sports, and took on the task of being team mom of the football team last year (wow, I know someone will need some help with that!) I love gardening, but I have absolutely no clue what I'm doing. I definitely wasn't born with a green thumb! I want to become a DYIer, but I don't know where to start. I'd love to be able to decorate a room with flare, I'm sure there's someone out there who can help with that! I enjoy computers. I know a good bit about them and can do some programming. I always enjoy taking some online free classes to expand my knowledge of them. I'm also a sweepstakes fanatic. I've recently gotten my addiction under control ;-) I used to spend about 2 hours a day just entering sweepstakes; now I'm down to only a few hours a week. It's really a ton of fun if you have the spare time, and you can win some really cool stuff. And this isn't a hobby, but I definitely need to talk about it ... I need help saving money!!!!! I know you all know what it's like to live on a cop's salary. Money saving tips and tricks would be a big help for me!
So, I guess that's it for now. That's what I'm hoping this web space will be, but I know eventually it will evolve into whatever you all make it. Until then, I'll just continue to write here until someone writes back ;-)
Tips for house hunters:
First Citizen's Bank gives 100% mortgages to cops, nurses, teachers, fireman, etc. Talk to Cindy at 864-654-3724 if you're in SC.
If you don't have perfect credit, call Margie at 1st Choice Mortgage 864-222-0011, she'll hook you up! Tell her I sent you!
If you are searching in the Upstate of SC, use Joan Alexander. She's awesome! She's been more excited about my house hunting than me, and has really picked out some great ones for us. She has also been really helpful with financial information. firstname.lastname@example.org
Tips for sweepers:
www.cashnetsweeps.com is where I do all of my sweeping. They have a great community of friendly folks, and I've won a bunch of stuff through their links
Tips for dog owners:
This is the time of year when your dogs start to blow his/her coat. This will make them itch! Make sure you brush all of that undercoat out several times a week to help keep them feeling good!
If you are one that likes to shave your dog down in the summertime, ask for an 8.5 or 7 blade. Anything shorter will leave your poor pup prone to sunburn, and we all know how much that hurts!
If you wash your dog at home, make sure you use a good shampoo, and always be sure to wash the shampoo out completely! If you don't, your dog will itch uncontrollably!It's a little expensive, but if you order Nature's Choice Shampoo, it's awesome! I'll try to find a link or phone number.
If your dog does begin to itch and it isn't from any of the above listed reasons, you can give your pooch some Benadryl; always consult with your vet first to be sure of the correct dosage for your dog, and to make sure there isn't something else wrong.
Tips for the gardener:
In the South East, it is supposed to be safe to start moving plants outdoors after April 15th. We aren't supposed to have any frost after that date.
Tips for the budget:
Speaking of April 15th, if you haven't filed your taxes already, go to the irs.gov website and and go to the Free File section. You will be able to do your taxes for free. I didn't find that out until I had already paid way too much for them!
If you find yourself getting a large refund at tax time and could benefit from more money in your paycheck, you can increase your exemptions. Conversly, if you owe a lot of money at tax time, consider lowering your exemptions to have more taken out of each paycheck. (Please consult with a financial advisor before doing this. If you don't do it right, you could end up owing Uncle Sam the following year.)
A tip from a friend of mine that works in HR... if you get a bonus during the year and you know it's coming, change your exemptions for the pay period in which you get your bonus and Uncle Sam won't keep as much of it. Just don't forget to change them back for your next pay period!
And one last thing about budgets that I recently discovered ... being a member of a credit union has it's perks. You can generally get an account with no fees and no minimum balances, and some great rates on loans. If you're in SC, email Nancy at Nancy@scscu.com for more information. Tell her I sent you, she's a friend :-)
Tips for the cook:
Make the crockpot your best friend! They are wonderful especially when you work full-time and have children involved in after school activities!
A recipe my family loves
6 boneless skinless chicken breast (I use frozen ones in the bag from WalMart)
6 slices of Swiss Cheese
1 can cream of mushroom soup with roasted garlic
3 tbsp water
1/4 tsp pepper
Flatten each piece of chicken (I used my rolling pin) Put a piece of cheese in the middle of each piece. Fold it up and stick a few tooth picks in to hold it over. Put it in the crockpot. In a seperate bowl, mix the soup, water and pepper. Pour it over the chicken pieces and make sure each piece is covered. Cook on low 6-7 hours. (Mine cooks for a little over 8 and is just fine)
If you have to take something for a party, here's one that's sure to be a hit
1 lb ground beef
1 small box Mexican Velveeta Cheese
1 can chilli, no beans
Brown ground beef. Drain and dump in crockpot. Stir in cut up cheese and chilli. Cook at least 4 hours on low, stirring occasionally. Serve with your favorite tortilla chips.
Tips for the dieter:
There are so many diets out there, and yes, I've probably tried them all. There is one thing I have learned. If you want to lose weight, you have to eat less calories, period.
My favorite diet started out being The Carbohydrate Addicts diet. It was cool because you watched your carbs for your meals, but for one meal, you could eat WHATEVER you wanted as long as you ate it within one hour. I always ate too much on my one free meal, and I tried to shove in everything I loved in that one hour and ended up feeling like a binge eater!
My most success has come from Weight Watchers Winning Points. It's easy to follow, you can eat pretty much whatever you want as long as you stay in your point range, and you don't have to starve yourself. I know a lot of you aren't interested in paying for weight watchers. I have never once paid to go to a meeting. I had friends that did, gave me the information, and I ran with it. If you do it correctly, you generally lose around 2 lbs a week, which is a safe amount to lose. If you're losing more than that a week, it's generally not healthy. Nothing can replace the support you get from the group meetings, so I encourage you to go to the meetings if you can afford it. Don't feel like you can't do it if you can't afford it though. I'll help anyone who's interested. It's always easier to do something with a friend to help keep you motivated!
Want Extra Money?
Try Mystery Shopping. Whatever you do, do not EVER pay anyone to shop. They are supposed to pay you. You can find shops for free online, don't pay for a service!!! Sign-up with companies here: www.Volition.com It's fun, and you get paid to do stuff that you have to do anyway, like go to the grocery store!
Want more tips? Tell me which ones are your favorites, and I'll provide more!
Hope to hear from you all ... okay, well maybe SOMEONE, soon :-)
This post is filed under Family, Cop Wives, Friends