How I Made $221 in September, and $224 More Monthly!

Me (22 wks pregnant) and my finished painting

In July I made $170.

In August I made $200.

In September I made $221!  And we increased our income by $224 monthly!

Yes, I’m excited that I’m on a roll here, and yes, I’m very pleased with myself.  You can shake your head at me now.  In order to stay optimistic, I have learned to rejoice in my accomplishments, no matter how big or small.  So before I pat myself on the back too much, let me tell you how I made $221 in August:

  1. Starbucks Gift Card: I volunteered to be an assistant in our Sunday School at church, and was rewarded with a gift card!
  2. Amazon Books: I sold two books on Amazon last month.
  3. English Curriculum: I wrote English Curriculum for our friends in China for the third time.
  4. Painting for Church: I was commissioned to do a painting for our church, my first commission in 6 years!

As I said above, I also realized that we have now increased our monthly income by $224.

  1. We paid off our second mortgage to Citimortgage in May, which not only eliminated the debt (monthly payments and interest) but increased our income by $20.
  2. We refinanced our house at the end of September, which increased our income by $204.

So September was a great month for earning money!  Although I like to poke fun at myself for rejoicing in so many small accomplishments, it’s been almost 3 years since we first dreamed of being debt-free.  It has been an uphill climb, but it is very satisfying for me to see how much we have learned, and are still learning in this journey.

What creative or new ways have you found to earn money recently?

Simplifying Dish-Washing

I am the oldest of six children, which means I grew up in a household of eight people.  Eight people translates into piles and piles of dirty dishes at the end of every day, and who likes to do dishes?

1. One of the ways that Brad and I have found to cut down on dishes, is to have a “One Per Person Per Day” Rule.  Limiting each person to “One” (Cup, Plate, Bowl, etc) each day cuts down on the dish-washing chore all day long.  When your one item is dirty, instead of getting out a new one, you wash the one you have chosen.

2. Another way that we keep dish-washing simple, is we try to to wash the dishes immediately after each meal.  Dishes that have been sitting with caked-on food all day can be nearly impossible to clean.  Clearing off leftover food, rinsing, and washing dishes immediately after eating means less work in the long run.

3. Finally, we share the dish-washing responsibilities.  I wash the breakfast and lunch dishes, and Brad washes the dinner dishes (while I bathe the kids, read to them, and get them ready for bed).  It’s so nice to wake up each morning to a clean kitchen and clean dishes!  Since we share the dish-washing responsibilities, neither one of us feels overwhelmed by the job.

How does your family simplify dish-washing?

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Meal-Planning on a Budget: Part 2

On Monday I described how I meal-plan and grocery shop once a week.  Meal-Planning on a budget also requires making inexpensive choices for your meals.  Here are some examples of what I have been cooking recently:

Breakfast

  • Oatmeal: I make oatmeal with cinnamon and raisins almost every day of the week.  I haven’t found anything else as cost-effective, filling, and healthy for breakfast.
  • Other: We occasionally eat pancakes, fried eggs, or omelets for breakfast, but it’s rare these days since we’ve been eating all of our eggs for lunch.  Sometimes we have fresh fruit with our oatmeal.

Lunch

  • Sandwich: We eat egg salad or peanut butter and jelly almost every day of the month.  Naomi is an expert at making egg salad, and Brad loves PB&J sandwiches.  I boil the eggs on the first day of the week, and we can get 4 days of egg salad out of a carton of eggs.
  • Fruit: A sliced watermelon or cantaloupe can be a side dish for lunch for most of the week.  Depending on the season and sales, I may serve a half banana, grapes, raisins, apple slices, peaches, strawberries, or other fresh fruit on the side.  Someone gave us a large container of fruit cocktail once, and we ate that with our lunches for a long time.
  • Vegetable: Carrot slices (with ranch dressing) are the most popular with my kids, followed closely by “Ants on a Log” (celery with peanut butter and raisins).  I have experimented with cucumbers and zucchini (with ranch dressing) but the kids were not big fans.  Carrots and celery can be sliced once at the beginning of the week to save on prep time.
  • Dairy: I usually buy a block of sharp cheddar cheese, and then cut it into chunks each day to eat with our lunch.  Recently we had yogurt instead of cheese for a couple of weeks.

Dinner

  • Meat: We don’t usually eat a lot of meat.  It’s expensive, and Americans in general tend to depend too much on meat for their diet.  When we lived in China Brad chose to eat vegetarian for a year, and then the following year he drastically limited his meat-intake.  So I have learned to cook many dishes with little or no meat.  These days we eat meat more as a garnish than as a main course.
  • Vegetables: Our dinners tend to emphasize vegetables, and I’ve been trying to keep introducing new vegetables that are in season.
  • Rice, Pasta, Breads: We often fill out our meals with rice, pasta, breads, or other starches.  This week we’ll have Bean Soup and Fresh Tomato Soup with Bread on the side, and we’ll have Chicken & Broccoli Alfredo and Spaghetti over pasta.
  • Beans: We don’t always eat beans, but I occasionally make my parents’ Bean Soup, Chili, or Taco Recipes.
  • Variety: Sometimes we get in a dinner rut, but dinner is the meal that I am most likely to experiment with and vary from week to week.

Drinks

  • Keep It Simple: We usually drink water, milk, or orange juice (made from concentrate).  Brad and I drink generic coffee from the coffee pot.  We like to drop lemons or limes (sliced and frozen) into our water pitcher.  Occasionally I will make iced tea from tea bags.
  • Use Your Blender: Brad likes to make Homemade Frappuccinos or Fruit Smoothies for our family as a special treat.

Snacks/Desserts

  • Homemade: I intentionally don’t purchase sweets because our family has very little self-control!  (If it’s in the house, it will be gone within 24 hours).  When we want a snack, I’ll bake up a batch of cookies, find a recipe on-line, or pop a bag of popcorn.  Brad likes to eat PB&J as a snack.  The kids and I usually eat a small bowl of cereal with milk or a graham cracker with peanut butter after nap-time.
  • Date Night: Brad and I rarely go out for a “Date Night,” so on special occasions he will go out and buy us both a pint of ice cream.

How do you save money on groceries and grocery shopping?

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Meal-Planning on a Budget

One of the largest expenses for most families is their grocery bill.  There are lots of ways to cut back on your grocery expenses, and one of those methods is meal-planning.

Once a week I gather my grocery list, calendar, and a pen.  Then I take stock of the contents of my pantry, refrigerator, freezer, and kitchen cabinets.  With these items in mind, I create a meal-plan for the week.  I often look at Supercook (a website where you can look up recipes based on what you already have in your kitchen), Simply in Season, or flip through my Recipe Envelopes.  As I select meals, I list the missing ingredients on my grocery list.

I usually only grocery shop once a week, and I rarely go back a second time.  This saves me time all week, and meal-planning in advance prevents the last-minute “What do I cook for dinner tonight?” panic.  I try to stick with simple meals throughout the day, and I try to cook enough for each dinner so that I have leftovers for at least one additional meal.

One of the primary ways that we save money on our grocery bill is by eating at home most of the time, making most of our meals from scratch, and avoiding prepared, processed, and grocer’s-freezer-foods.  If there is something we would like to eat or drink, then we learn how to make it at home.

Come back on Wednesday to see some examples of my typical weekly meal-plan!

How do you streamline your meal-planning and grocery shopping?

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How to Save on Phone, Internet, & Cable Services

Saving money on Phone, Internet, and Cable services is a common dilemma in the age of technology.  One needs to keep up with the changing times and save money simultaneously.  Here is how our family has resolved these issues:

Phone:

  1. Ditch the Land Line.  When we got married, Brad and I already had Cell-Phones.  We didn’t feel that we needed a Land Line, and we’ve never missed it.  We pay $70/month for our 2 Verizon phones with 500 minutes.
  2. Ditch the Smart Phone and its Data Plan.  Until Smart Phones and Data Plan prices decrease significantly, we will do without.
  3. Purchase an iPod Touch For Brad’s birthday, both of our families pitched in to get him an iPod Touch.  It does everything a Smart Phone or Data Plan does as long as he is in a Wi-Fi zone.  Most places have Wi-Fi these days, and he can use his cellphone when he can’t get Wi-Fi.  Do you really need to be surfing the Internet while driving or walking around outside anyway?  Aside from the initial purchase price, there is no monthly fee associated with an iPod Touch.
  4. Ditch the Texting.  Brad and I have the 2009 free flip phones with a number pad.  We haven’t had texting on our phones since 2007.  When texting became important for Brad’s new position, he signed up for a free texting app on his iPod Touch called “TextPlus.”  He was assigned a free phone number for texting, and now he can text as much as he wants at no charge.

Internet:

  1.  Comparison Shop.  I called every Internet Provider in the phone book, and AT&T was consistently the lowest price in our area.  We pay $38/month for Wireless Internet.  Our Internet connection does not require a Land Line or Cable.

Cable:

  1. Ditch the Cable.  We haven’t had cable since we got married in 2005.  We gave our TV away in 2010.  If you want to watch a movie, TV show, or sporting event, there are dozens of ways to view them on your computer or television screen (or even at a friend’s house or a restaurant) without paying for cable.  Do you really need hundreds of channels, commercials, and another monthly fee?  Try going without cable for a trial period, and you’ll begin to wonder why you ever thought you needed it in the first place.  (You may also begin to wonder why you suddenly have so much more time on your hands!)

 How does your family save money on your Phone, Internet, and Cable Services?

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Refinancing? 10 Tips (Part 4)

Our “Investment Property”

Click here to read “Refinancing? (Part 1)”, “Refinancing? (Part 2)”, “Refinancing? (Part 3)”.

In the days since we finished refinancing our rental property in Maryland, I have had some time to reflect on the process of refinancing.  I hope that these 10 tips will help you if you are in the process of refinancing your home.

  1. Even if you have been denied in the past, keep asking.  We have asked about refinancing many times over the years, but May 2012 was the first time we were told that we could refinance.  Our refinance loan is known as a HARP loan (Home Affordable Refinance Program), and will only be available for a limited time.
  2. Pay off as much as you can while you are waiting to refinance.  We paid off almost a third of our 30-year mortgage while we waited to refinance, including our entire second mortgage.
  3. Always pay your mortgage on-time and in-full.  I think this one goes without saying, but it will make you look good, as will your good credit report.  And the lower your debt-to-income ratio, the better.
  4. Keep all of your old documents, and keep them organized.  You never know what they will ask you to find for the application process.
  5. Keep track of all ID numbers, account numbers, and passwords.  Again, you never know what they’ll ask you to find.  We gave them Brad’s most recent 401k statement dated 6/30/12.  They asked us to find the most recent information dated 9/21/12.  We were able to find it on the 401k’s website.
  6. Access to modern technology (e-mail, printer, scanner, fax machine, snail mail) is a must. 
  7. Document all conversations, contact names/numbers, and dates.  We had 3 refinance loan applications, 1 mortgage consultant, 3 loan processors (and 1 assistant loan processor), 3 under-writers, 2 notaries, a settlement company, a title company, a number of different homeowner’s insurance contacts, and more.  All of these people lived in different states, had different job descriptions, and did not always communicate clearly with one another.  Each time we started a new application, anything I had submitted to the previous application had to be re-submitted as we started over from scratch.
  8. Keep the refinance process moving forward, especially as you near the end of the month. For whatever reason, mortgage companies rush to get everything done before the end of the month.  This means that they will also begin rushing you with requests for more documents at that time.  Get everything done as promptly as you can so that you won’t be swamped at the end of the month.
  9. Shop Around.  When we were displeased with Wells Fargo after our first loan denial, we called Churchill Mortgage which is recommended by Dave Ramsey.  Unfortunately, they told us that our best bet was to stick with Wells Fargo and try again.
  10. Be Persistent.  This is your house and your money.  It matters more to you than it does to anyone else, so be persistent.  Ask the hard questions…over and over again.  Call the same person more than once a day or once a week if necessary.  If someone won’t return your phone calls or e-mails, then find someone who will.  Don’t take “no” for an answer.

If you are or have refinanced your home, what tips would you recommend for homeowners hoping to refinance?

 

Refinancing? (Part 3)

Our “Investment Property”

Click here to read “Refinancing? (Part 1)” and “Refinancing? (Part 2)”.

If you have been following my Facebook page, then you already know the good news:

WE FINISHED REFINANCING OUR HOUSE!!!

After much discussion, we decided to go with the 30-year-mortgage, hoping that we can put the extra money each month into paying off our debts (student loan & mortgage) faster by increasing our cash flow.  For the last 7 years our interest rate was 6.25%, but our new interest rate is 4.125%. 

Refinancing our house saves us 2.125% in interest, and will increase our cash flow by $204.26 per month!

Now that you know the good news, I want to assure you that the last 4 months of refinancing have not been easy.  Here are some of the highlights from the last 4 months:

  • May 21: We applied for our refinance for the 1st time, locking in a 4.5% interest rate.  The process moved slowly because I had to keep reminding Wells Fargo that our 2nd mortgage (Citimortgage) was already paid off.
  • July 27: Our refinance loan was denied by Wells Fargo.  After frequent phone calls and Internet searches, I discovered that our loan application had been filed incorrectly.  Wells Fargo believed we owned both sides of our duplex, but we only own the left side.
  • August 20: Our refinance loan was filed a second time by Wells Fargo.  The interest rate had climbed from 4.25% to 4.5%, and I asked if we could lock in at our original rate.  I was told that was impossible.
  • August 27: Our refinance loan was denied a second time by Wells Fargo.  Our application had been filed incorrectly again, this time with the wrong address.  They had filed the refinance loan for the house we rent in California, and not the home we own in Maryland.
  • September 1: Our refinance loan was filed a third time by Wells Fargo.  I had complained about the last two applications, and requested that we be given our original interest rate of 4.25%.  This time my request was granted.
  • September 28: We closed on our refinance loan on Friday evening after 4 months of phone calls, e-mails, finding and scanning documents, notaries, and snail mail.  We had to shake our heads when the first notary they assigned to us lived in Maryland, not in California, so obviously she could not notarize the papers for us.  The second notary surprised us with the great news that our interest rate had dropped a final time to 4.125%.
  • September 29: Our refinance loan was funded on the last business day of the month.

In the days since we completed our refinance, I have had some time to reflect on what I have learned along the way.  Join me again on Wednesday for “Refinancing? 10 Tips (Part 4)”!

Missing Checkbook, Missing Grace

Last Thursday night I was rushing around preparing for a visit from the notary, the final step in our 4-month long refinancing process.  Aside from our signatures on a large pile of documents, the only other thing he needed was a check.  I opened the drawer where I usually keep it, but there was no checkbook there.  I looked high and low, in my file basket, in my desk, in my bag, in my folders, in my lock box.  Nothing.  Finally I remembered that we keep two checking accounts (one in Maryland and one in California), so I could just write the check from the other account and repay it later.

While I was looking for the checkbook, I became very angry at Naomi and blamed her for the missing checkbook.  During the final week of refinancing, I had left the drawer containing the checkbook open, and she had emptied the contents all over the floor.  I was sure that she had misplaced the checkbook at that time.  She didn’t really understand my frustration or how to help me, as she had no idea what a checkbook was.  Instead she brought me her other books hoping they’d be what I wanted.

On Friday morning I began looking for the checkbook again.  Our paycheck had arrived and I needed to pay the rent so that I could get it in the mail before the weekend.  Again I looked everywhere, removing the drawer from the desk, searching through art supplies, and anywhere else it might have fallen.  I grew more and more frustrated, lamenting that last week Naomi had taken sketches of a painting I was creating (which has yet to be proved), and now this!  Brad finally told me that I should call the bank and tell them which checks were missing so that they could be cancelled.  I hated this idea because I hate wasting anything, even checks (especially checks that might be right under my nose).

I finally resigned myself to calling the bank.  I had a new checkbook beginning with #126, so I needed to know how many checks were missing between #101 and #125.  I opened our financial binder to the balance sheet, and stared in disbelief.  The last check I had written was #125.  I flipped back though the balance sheet, and then checked our bank account on-line to be sure.  Yes, I had written the last check in the checkbook, and I had thrown away the checkbook when all the checks were gone.  Naomi was not at fault; I was the one to blame.

In Matthew 7:3-5, Jesus tells his disciples, “Why do you look at the speck of sawdust in your brother’s eye and pay no attention to the plank in your own eye? How can you say to your brother, ‘Let me take the speck out of your eye,’ when all the time there is a plank in your own eye? You hypocrite, first take the plank out of your own eye, and then you will see clearly to remove the speck from your brother’s eye.”  As I searched for the missing checkbook, I was so focused on placing blame, that I could not see my own guilt in the matter.  I judged Naomi immediately when I should have offered her grace.

I wish I could say that this was an isolated incident, but too often in my life I have judged quickly instead of offering grace.  I get mad instead of merciful, critical instead of compassionate.  I am so glad that God is not like this with me, and He continues to show me grace, compassion, and mercy when I am deserving of judgement, separation, and punishment.  I am so thankful for a God who sent His Son to die for me, even as I continue to sin against Him.  What a wonderful Father, and a loving Savior He is!

In conclusion, Naomi and Brad forgave me immediately, accepting hugs and apologies for my short temper.  I am indeed blessed to have a family that shows me more grace and mercy than I show them.  They daily remind me of God’s love for me, and His patience with my many faults.

“But God demonstrates his own love for us in this: While we were still sinners, Christ died for us.”  -Romans 5:8

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Cookbook Review: Simply In Season

If you have been following The Abundant Wife for a little while, you may notice that I often rave about my current favorite cookbook, Simply in Season.  My mother gave me and all of my sisters a copy of Simply in Season for Christmas a few years ago.  As you can see from the cover, Simply in Season is full of recipes that celebrate fresh, local foods in the spirit of More-with-Less.  I love the stories and tips between the recipes on each page.  Most of the recipes are simple to make and require few ingredients.  I love introducing new foods to our family, many I have never tried before.  However, one of the many reasons I love this cookbook is that every recipe I have served to my family has been delicious!

Here are some of the recipes that we have tried (and loved!) from Simply in Season:

Another thing that I love about this cookbook, as you may have noticed above, is that the recipes are organized by season.  This makes it very easy to find recipes that are made from produce that is available right now!  Since late summer, I have cooked the first 5 items listed above.  However, I’ve also been trying to finish off the frozen pumpkin and persimmon in our freezer, so I’ve been making Pumpkin Sausage Pasta and Frosted Persimmon Cookies again.

Oh, and all that acorn squash we ate back in the fall when I was making Acorn Squash with Sausage Stuffing?  Well, thanks to our compost pile garden, it looks like I’ll be making that recipe often!

Do you have a favorite cookbook?  Where do you find delicious recipes for your family?

Creamy Pesto Pasta

This recipe became an instant favorite at our house when I first tried it this summer.  It reminds us of the rich Italian dishes you can order at the Olive Garden.  It only has seven ingredients, and it’s quick to prepare.  This dish is VERY filling, so we can get two meals out of one recipe (for 2 adults and 2 toddlers).  Enjoy!

Creamy Pesto Pasta (Simply in Season)

  • 3 tablespoons butter
  • 1/3 cup / 60 ml flour
  • 3 cups/ 750 ml milk

Melt butter in a large saucepan.  Add flour and cook 3 minutes; do not brown.  Add milk and bring to a boil.  Cook gently 5 minutes.

  • 1 cup / 250 ml Pesto
  • 1 teaspoon salt
  • 1/4 teaspoon ground nutmeg

Stir in.  Remove from heat.

  • 1 pound / 500 g spaghetti, fettuccine, or linguine

Cook and drain.  Combine with sauce.  Toss well until sauce thickens.  Taste and adjust seasoning if necessary.  (We like to garnish ours with Parmesan Cheese!)

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