Monday, September 30, 2013

The Threat of Government Shutdown - What it means to me...



As the minutes tick by today, we come closer and closer to the threat of a Government Shutdown. Nationally, this is a scary possibility with ramifications that spread from coast to coast. Personally, as an employee of the Federal Government, it's a terrifying possibility. Should the Senate and the House not come to an amicable conclusion within the next 13 hours and sign a bill funding Government activity, I'll be placed on immediate and indefinite furlough. My fate is in their hands.

If Government Shutdown does occur, I won't be at work tomorrow, or perhaps even the next day. My return to work rests solely in the hands of Congress. The last Government Shutdown, in 1995, resulted in a 21 day furlough!! I pray, that in the event that the shutdown becomes reality, that it will be for a much shorter term.

In the meantime, I'm in a full blown panic mode. If we're furloughed I won't be paid for those days during shutdown. Even one day of shutdown would have a grave affect on my family. Our expenses would remain the same, and our monthly income would be reduced. Our mortgage would still need to be paid, our daycare contract requires that we pay even if our children are not there, our insurance premiums would still be due, and our real estate taxes don't just disappear because the government is shutdown.

In the immediate future we would be okay. Our pantry is stocked, we have food in the freezer, and thanks to my compulsive need to NEVER run out of household essentials, we could survive for a few weeks without needing to go to the store. However, what happens if the furlough lasts 21 days as it did in 1995? Three full weeks without pay would be detrimental!

I'm keeping my fingers crossed that my fears don't become a reality, that Congress will find a resolution and in the very least sign a Continuing Resolution that will give us level funding until a "real" budget can be passed.

Thursday, September 19, 2013

365 Day Declutter Challenge - Week 8


Week 8: September 11, 2013 through September 17, 2013

Day 50:


Day 51:


Day 52:


Day 53:


Day 54:


Day 55:

Ahhhh! I'm missing a picture. Imagine a stack of my daughter's clothing here. I'll update with a picture.
Day 56:


Tuesday, September 17, 2013

Purging the Playroom!

Had I thought, I would have taken before and after pictures of this room. However, I didn't have the foresight to see this purging/organizing effort as a blog post, so all I have are the "after" pictures.

Welcome to my children's playroom. Please note, that I only have two incredibly spoiled children, I do not run a daycare (though we definitely have enough toys in our house to do so). Prior to December 2012, this room served as our guest room. After Christmas last year, we removed the "real" furniture, and moved the majority of the kid's toys to this room. It served to clear the toy clutter from the living room, and concentrated most of the toy mess to this one area of our house. At that time, we purchased the cloth bins and sorted the toys by category into the bins.




There are two bins filled with playdoh and playdoh accessories. There are two bins filled with various cars and trucks. A bin full of coloring books and crayons, another bin that holds play dishes and plastic food. A bin filled with little animals, a bin filled with Little People and their accessories, and a bin that holds various bottles, diapers, and other items for my daughter's dolls. Tucked underneath the train/lego table are three plastic bins full of legos. The toy box (which you can't see in the pictures) holds all the random toys that don't fit into one of the binned categories.

Organization of this room has been an ongoing battle for us. It seems that every time we get this room organized, someone has a birthday, and another influx of toys takes over. Last weeks purge resulted in a stack of items to be recycled, a trash bag full of broken toys to be disposed of, and another trash bag of toys that my children have either outgrown, or simply don't play with, to be given away.

The huge difficulty in cutting back on the amount of toys in our house comes from the fact that I can't seem to find time when my children aren't home to go through their toys without them. In their minds EVERY toy in our house is their FAVORITE toy, despite the fact that they haven't played with it in months or even years.

As discretely as possible, I removed the two-plus trash bags full of toys from the room. I could easily remove an equal amount again if my children hadn't been present.

Unfortunately, even though there are a ton of toys in this room, there are still toys in other areas of our house. At present, the kids share a bedroom, and that too is over run with even more toys. There are still toys in our living room, and the outdoor toys are stored in the garage. My goal, is to continue to pare down the amount of toys that they have to a more manageable amount.

As their interests become more defined, I'm trying to remove those items that are no longer used, and focus their toys more around their interests. My daughter's interests are primarily focused on her dolls at this time, as well as craft projects. My son's interests are primarily focused on cars/trucks, and the Fisher Price Little People.

I'm quite resigned to the fact that battling the amount of toys in our house will be a never-ending process until their teen years, but until that time I'll continue to wage war on the toy clutter!

Monday, September 16, 2013

365 Day Declutter Challenge - Week 7




Week 7: September 4, 2013 through September 10, 2013

Day 43: 9 cloth diapers, and 13 inserts - Sold on Craigslist - $35


Day 44: A wolf shadow box/night light


Day 45: A basket full of alphbet blocks - given away


Day 46: A wooden peg board with hammer - given away


Day 47: A stack of used coloring books and work books - recycled


Day 48: A trash bag full of broken toys - trashed


Day 49: A trash bag full of toys to be given away - given away



Thursday, September 12, 2013

Baking Soda and Vinegar - An Unbeatable Combination



We've talked about the many uses for vinegar and we've talked about the many uses for baking soda, but they are even more amazing when the two are combined!

Combine vinegar and baking soda for the following uses:
1. To clean tile - combine 1/2 cup of baking soda, 1 cup of vinegar, and 1 cup of ammonia to a gallon of warm water.
2. To clean your bathtub - wipe it with vinegar, and then scour with baking soda.
3. Clean a showerhead by pouring 1/2 cup of baking soda and 1 cup of vinegar into a sandwich bag and tying it around the shower head. Allow to soak for 1 hour after the bubbling stops.
4. Remove carpet stains by making a paste with 2 tablespoons of vinegar and 1/4 cup of baking soda. Rub the paste on the stain, and allow to dry. Vacuum up the powder.
5. Make your own scouring cleanser by combining 1/4 cup baking soda, 1 tablespoon of liquid detergent, and just enough vinegar to create a creamy texture.
6. Clean your drains/garbage disposal by pouring 1 cup of baking soda down the drain, then 1 cup of hot vinegar. Allow to sit for 5 minutes, then run hot water down the drain.
7. Clean pet accidents (or bedwetting accidents) by first blotting the area, then applying a vinegar and water solution, blot again until almost dry. Sprinkle with baking soda, allow to dry, then vacuum up the powder.
8. Remove stains from plastic and fiberglass by applying a paste made up of 1 part vinegar and 3 parts baking soda. Wipe off with soapy water, and rinse clean.

Friday, September 6, 2013

Free Parking! How it's saving me $56/month and more...



The building that I work in does not have parking available for staff. This isn't surprising, as the entire city is severely limited when it comes to parking in general. In our prior location we were privy to use of the parking garage attached to the building; however, that came at a cost of $5/day just to park there (equating to an astronomical $100/month). When our office moved this spring, I was delighted to find that the parking lot across the street from our new office cost merely $2.80/day to park in! At $56/month, I was elated to have an extra $44/month in my bank account.

As luck would have it, my "new" parking lot was in the path of impending road construction. For a week I was greeted daily with signs warning me that the parking lot would be closed the next day. I would seek out alternative parking only to find, upon arriving at the office, that the lot had not actually been closed. After repeating this process near daily for over a week, I decided to park on an unmetered side street across town, and walk to work from there.

What started as an effort to find suitable parking while "my" parking lot was closed, soon turned into a habit and I have since been parking across town and walking the half mile to work each morning, and back again in the afternoon. The inconvenience of parking that far away was rewarded though, I didn't spend anything on parking in the month of August!!

Granted, it's not quite as convenient as parking across the street, but the weather has been gorgeous and the walk has been quite enjoyable. I'm not sure that I'll be able to say the same thing when the cold winter months hit, but in the meantime I'll be parking across town until Old Man Winter makes a fierce appearance here in Vermont.

Thursday, September 5, 2013

365 Day Declutter Challenge - Week 6


Week 6: August 28, 2013 through September 3, 2013

Day 36: Two grocery bags full of clothes that my little guy has out grown - Sold on Facebook



Day 37: A stack of baby blankets - Given to cousin expecting baby




Day 38: Two hooded towels that my children have outgrown - Blue one given to cousin expecting baby, Pink one passed on to my niece



Day 39: Partylite stand with 3-wick candle and hurricane vase



Day 40: A bunch of junk cleared out of a drawer in my nightstand - Trashed




Day 41:A bookmark, and a wish token




Day 42:Yet another book...

Tuesday, September 3, 2013

Debt Accountability - Our Debt as of September 1, 2013



It's that time again... Time to confess to the world what my family's current debt situation looks like. As you may recall from my post in August, we have the following debts, and our ultimate goal is to be debt free. Our first step in doing so is to pay off the debts in Group A, which will then allow us to work on an early pay off of the remaining debt in Group B (our mortgage).

Group A:
A Student Loan (Natural maturity of March 1, 2015)
Credit Card 1
Credit Card 2
Home Equity Loan (Natural maturity of June 1, 2017)
Car loan (Natural maturity of May 15, 2016)

Group B:
Land Payment (Paid in full this month!)
Mortgage (Natural maturity of July 1, 2039)


We're making the final payment on our land this month, and as of today's payment the loan is PAID IN FULL! WOOHOO!! Excuse me while I celebrate that milestone for a moment! WOOOHOOOO! With that debt paid off, the only remaining debt in Group B is our mortgage, which has a natural maturity of July 1, 2039; however, with the small amount of extra money that we have included in every payment (about $23/month), we've already cut that maturity back to October 1, 2037. Ideally, we'd like to have it paid off well before that time though.

So, how did we do at reducing our debts in Group A last month? Not quite as well as I had hoped, but we still made progress.

In August our total debt owed for the accounts in Group A totalled ($24,531.17).

The value of the debts in Group A, as of September 1, 2013 is ($23,557.45)

We paid down our debts by a meager $973.72, but it's forward progress so I'll take it!