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Furniture is too damn high

May 18th, 2015 at 03:37 am

If I ever end up in hell, my eternal punishment will be moving house from one side of hell to the other. Through congested traffic so every drive takes 3 times longer. And then I get a flat tire when I have moved all my tools to the other house.

To furnish the house with everything we were missing, moving back and forth the 1 hr drive each way and takeout food for the week because no way I was cooking, came to *shudder* $6412.13.
I never knew beds could be so expensive. Then you have to mattresses on them? I wasn't born yesterday snake oil salesmen.

To say I feel dirty is an understatement. I knew this was coming for months but I still wasn't prepared for it deep down inside.
I adjusted my side bar, a bit depressing. The only consolation I can draw from is we are having some phenomenal business across the ledger and we could possibly be looking at a new greatest monthly income in July or very close to it. So that money will offset anything we have had to spend. But still Ouch.
I blush just reading the number.

The only ray of light in my darkest week was my wife got me a new GoPro camera for making videos.
Fun fact, when you have food in the house you crave take out, when you only have take out you crave anything homemade.
It will take months of retraining to stop my flinching reflex every time I open my wallet. One day at a time.


small randomnesses

April 25th, 2015 at 01:19 am

What to update?
Got a random partial invoice dividend come in early. $ 11 503.68 on the 23rd.
That happens never, as in not once ever since being self-employed has someone paid early.
Sometimes you have to threaten kidnapping of loved ones, burning of primary residences and the occasional of drive by shooting to get people to pay at ALL, but EARLY???
Pfft. I feel as if I cannot depend on the world for anything real or certain anymore.

Bought a new paintball gun. I have had a hard on for this one for so long now that I finally decided to pull the trigger (Master of bad puns!!) and shell out (boom again!!) some serious coin ($661.00) for it.
Get home and BAM, broken. Are you kidding me!
Irony is these guns are famous for their quality. So another hour and a half back to the store. Looks like a genuine manufacturing mistake so I let the proprietor out of doing an honourable suicide. Finally got it home with its real family 3 days later.

The exchange rate has shifted the last couple of days in the wrong direction. So our massive record month will probably be reduced to somewhere in the mid $52 500.00. Still our best.

Used our bank interest to buy some silver ounces and an ounce of gold.
Will do this once month with every interest payment.
I feel like Scrooge McDuck now, miserly gloating over my horde of precious metals. I can see how it corrupts the soul and leads to world domination.

Injured my back last week picking my wife up over my head and throwing her onto a bunk bed for some heinous slanderous comments she threw my way. So ironically I end up partially disabled at her mercy. She was not kind. (Note* When healed punish her by throwing onto top bunk again*)
Feel well enough today to get back to the gym and test the muscle is properly healed.

Bank are behaving and not touching my money anymore. (Note *Cancel the arson attacks*).
Getting ready to move.
Have lots of expenses coming up this month and next due to the move and deposits and some importing I have to do. The end result could be as much as an extra 3k hit to the expenses column.
It will feel infinitely better to be in the new place so it will feel worth it.

With the current rate of income being generated we are looking to hit over 200k Cash by the end of June. A huge turnaround from having just $800.00 2 years ago.
We aren't letting go of the lessons we learned from being cash strapped though and seeing a lot of people we are close to go through their own financial apocalypses we are remembering not to spend. Making hay while the sun shines so to speak as no good thing lasts forever.

Good bye soul sucking neighbour in 1 more week.


Moving house finally

April 14th, 2015 at 05:35 am

We live in a tiny 600 sq. ft. 2 bed apartment. We rent it off some friends we made the last time we were in the country. It was only ever temporary while we found something more in line with what we wanted.
But we got so caught up in work and life that we have been here almost 6 months. Kids have gone stir crazy in such a tiny place.

Well finally last week we saw a fantastic 4 bedroom 3 bathroom 3 level town house. And the price was perfect at $1300.00 for the month.
We won't know what to do with the space lol. Additionally it has a huge private garage under the house for my big truck. Will be nice to get it off the street and out of the rain.
While paying $835.00 a month including everything allowed us to really bank some money this new place will only raise our total monthly expenses from $2200.00 to $2850.00.

Additionally as we get closer to the 28th we have realised our months' income has climbed from $51 790.00 to $53 417.38. So even though I am going to be paying double rent next month to allow us to move without rushing we will still get to bank into savings $49 732.38 bringing the total to $173 372.27.This includes the $77.22 interest we will get for the month.
Next months (may 28th ) earnings are roughly around $20 000.00 but this again could rise with some late invoices coming in. will know more on the 16th. Looking to destroy our goal for savings for the year.

Good bye devil screaming neighbour!

Have lots to do in the coming months. Have to get the whole tribe to the dentist at some point and I'm pretty sure my out of country driver's license is no longer good so I need to apply for the relevant state one.
Plus my son wants to start Karate or boxing which will be great for him and I will put little miss into ballet, she loves twirling like a princess.
I would love to take the family on a big road trip to Vancouver Island for a couple weeks during the summer but we have such a brutal work schedule until December I'm not sure it's on the cards this year. We might have to be all business until December and look at planning for big trip for next summer.

Good bye evil laundry rule breaking neighbour!


Evil Neighbours

March 31st, 2015 at 04:45 am

Payday, most hallowed of days.
The day when we feel the fields are bountiful with harvest, the milk rich with fat and cheese aged to perfection.
In reality is everything we have waited all month to buy suddenly goes off special, fuel jumps up 8 cents and the miserable battle axe at the customer service desk won't give you a rain check for the catalogue special. But you don't care, because you have money, and money makes everything better!

I survived the remainder of the month; my neighbour is determined to drive my family to murder through the time honoured tradition of screeching at her children before 7 am, waking us all.
We live in 600 sq. feet unit so to lose the ability to sleep in one room is like halving the domestic fortress.
The land lord issued her another 'shut yo face' letter but I suspect she files these under progress reports more than as 'threats to tenancy'.
She laughs in the face of laundry ordinances requiring that the massive drier beside our main room is not used after 8pm. It's not uncommon to hear it going at 11.30pm. Some people just want to watch the world burn.
I have confirmed an earlier belief I have dual super powers. First is to receive discounts at lunch shops. Despite the frequency of my patronage, and second is to attract bad neighbours. In this I have no equal. It's not so much the quantity I have had, as it's only been a few over the years, but it's the quality of each one.
They seem to be more pure and evil as I go, so I suspect with each house move I am moving closer to the source of evil neighbours. Watch this space for updates when I move in next to Lucifer. At the current progress it should only be another one or two moves.

Pay was a fraction under estimate. I blame today's rallying of the market (Completely unrelated, but its giving my shorted positions a beating so I BLAME IT)

March Income/April Expenses

$ 11 145.62

$ 1178.87 March Spending
$ 400.00 April spending
$ 835.00 April rent
$ 800.00 April food
$ 200.00 Gas
$ 7731.75 Savings March

Bring new savings to $ 123 500.85. Just under what we estimated.
Next months income will come very close to $51 790.00 for April. Our biggest month ever and new record. Additionally the charter expenses I have coming in next month are $ 723.90.
So our expenses will be under $3k and should the month after finally be back down to around $2200.00.
Of course pending having to hire a hit man to wack my neighbour. I imagine they do that sort of thing for a discount as its 'technically' a public service.


PAYDAY!!!!!!!!KSLKNKANKANKslkjlksjclkcb Finally Yes!

March 3rd, 2015 at 02:31 am

So got paid today. I thought my bank was going to lock my account for checking too many times.

$30 407.77. It was more than we estimated but with the $877.92 over spend from last month that money came out of our pocket. Grrrr.
Additionally we needed to purchase a new Printer for the home office. So that was an additional $122.34 out of pocket and we stopped at Borders and picked up some learning books for DS and DD so that was $69.56.

February pay/March expenses.
Income = $30 407.77

$ 835.00 Rent
$ 1000.00 Food
$ 250.00 Gas
$ 100.00 Wife B/day meal
$ 877.92 February overspend/Zero Accounts
$ 2300.00 Shipping
$ 291.90 Spending ($ 100.00 general)($ 69.56 Learning books)($ 122.34 New printer)
$ 24 752.95 Savings

So our total savings now equals $115 769.10. $ 384.18 Less than we thought.
Not a big deal though because some easy consults came in pushing April's income possibly out to $44 000.00, more than making up the additional costs.
So expenses wise it's our biggest month in two years by almost double. I think I blew an OCD banker fuse and have gone into a dazed acceptance state. If I don't dwell on it I can't get annoyed lol.

In other news I suspect our bank has been sending statements to our address but the other tenants have been keeping the mail and opening it.
My wife and I are going down to the bank tomorrow morning to check if any statements have been mailed here. Nosey busy bodies.

The biggest news of the month is we're in some negotiations with a possible new fund that may add 20 - 40% more income into our pockets. It will be sporadic but any extra dollar is welcome.
Its early days yet and we are still working through the due diligence necessities but there's a good faith trial from the 5th to the end of this month. It will give us some numbers we can forecast with.

DS has almost finished learning his alphabet and sounds. I promised him when he can do all his flash cards without missing one he can go to the amusement park for the day. I'm excited to teach him to start reading.

5 weeks 5 days till Game of Thrones!!! !


Pre-Payday = Budget day

February 14th, 2015 at 05:49 am

Payday. . . . . . Nearly. Family Banker hat on.
We get paid on the 28th-31st of each month.
However income invoices are confirmed on the 13th-15th of each month. So we know 2 weeks before hand what we going to be paid at the end. This is when I do my initial budgeting.
As I mentioned earlier my costs for March are going to be around double what they normally should be($2500.00 normally). Which is of course disappointing, but it is a onetime cost, so I will suck it up and pay.

Income can vary up to a couple hundred dollars each way from the quote to payday because of currency exchange fluctuations over the two weeks. At the moment with strong US dollar we make out like bandits on the exchange.
And March for me is a 5 week month. Not on the calendar but just the way we get paid internationally it's a 5 week month for expenses and what not, starting 2.25.15 - 3.31.15
February 28th Net income $30 100.00.

Monthly Expenses as follows:
Rent $ 835.00
Food $ 1000.00
Gas $ 250.00
Gym $ 81.80
Clothes $ 173.81
Shipping $ 2350.00
Wife Bday $ 180.00
Valentines meal $ 116.92
February Savings $ 25 192.47

Total savings for February 28th = $ 116 128.62

Would have been nice to put the extra $2500.00 into savings but my wife constantly reminds me not to be cheap and should live a little. And she is right. She after all makes the money.

We went out for our family valentine's restaurant meal today and it was great. Kids had a huge meal and were so stuffed they just came home and watched harry potter.
My wife Bday is the 13th and she insists she only wants to buy a slew of her favourite books so she can see the Savings grow.
I had a nice watch picked out, she admires my own 1963 bulova space view watch, and I had found a great one for $2200.00 but she wants to hold off and get it for xmas if we hit our savings goal for the year.

Have begun to teach my wife day trading. We shorted a couple small trades and in the half hour we set aside to teach her we made $60.47 on Facebook's fluctuations with a $9900.00 position for 10 minutes.
She gets the Idea behind it.