There's been quite a few incidents lately that have people questioning their preparedness. From nature fighting back to crazed maniacs shooting up buildings to long term job loss. I've thought about those myself, but there's not much I can do to really prepare except stock up and hope some maniac doesn't snap. My biggest fear right now is what would happen to us if something would happen to the hubs? I'm not working outside of the home, and just starting the blog, so I don't have income flowing in here regularly yet. While I do have some direct sales companies I rep for, I haven't been able to market like I'd like due to no local mailing address (for tax purposes), and I was without a vehicle for over a month.
Would you be okay (financially) if something were to happen to the main bread winner? Savings, income, food? It's not something people want to dwell on, but you need to be prepared. Thanks to my insomnia, I get to dwell on these things in the early morning hours. We'd be pretty much broke. We are living in our motorhome, so we'd have a roof over our heads, but would I be able to pay storage? Would I be able to buy food? Would I be able to pay rent somewhere so we could hook up to electric and water?
Since we just started a new year, and we're in a new state, I figure it's time to start. I've started putting some money into savings. Not much. I'm following the 52 weeks of savings. Basically you save the dollar amount of the week of the year. Week 1 - $1, week 26- $26. At the end of the year you'll have almost $1400 saved. If you work it backwards and have an interest bearing account, you'll have even more saved! It's a great way to save for the holidays or even a vacation. I'm hoping to save more and use it as our emergency fund. We were without a truck for a month when the alternator died. It wasn't a huge cost, but I had other bills planned, so it had to wait. If we would have had an emergency fund, the kids and I could have explored our new city a bit.
I need to find my accounts and see just how much life insurance we have on the hubs. Not enough, I'm sure! While we don't make a ton of money, it's enough to keep us fed, clothed and housed. I have no additional schooling or training, and I'd prefer to stay home with my kids. Adding life insurance is high on my priorities!
We're doing all right money wise right now. Just the car loan, and 2 small credit cards. We can't refinance our truck due to it's age - according to the credit union. I'd prefer not getting a new (to us) vehicle quite yet. I'm hoping to have the money to by one with cash when we're ready. The credit cards should be at $0 before June.
That leaves our food situation. Normally I'd like to have our chest freezer and fridge freezer full plus a pantry stocked with canned goods, but we're in a motorhome with limited storage space. I may buy some gift cards to local stores and restaurants to have on hand. I'm working on clearing out my email with all of my surveys and click to earns so I can earn some gift cards as well.
If you have any questions or if I forgot anything, please let me know!
Just a sahm of 6 trying to make it through the day. I homeschool some of the kids while trying to find the floor most days - it's a never ending battle!
Showing posts with label motorhome. Show all posts
Showing posts with label motorhome. Show all posts
Tuesday, January 15, 2013
Monday, January 14, 2013
Trying again
Let's see if I can keep internet with my new hotspot while at the state park. We do know it didn't get reception in the wooded area, but we're now bayside and seem to do pretty well, so far. I do get some breaks in service, but usually at night when I'm doing some contests or pinning.
I'm trying to restart my blog as a way to share ideas on crafts (for kids and adults), recipes, reviews of books/products, homeschooling sites/ideas and more! Right now we're still in the motorhome, but I do have a few emails out (they didn't leave a number on their ad) to see a few rentals. Crossing fingers we get to move this weekend! Living in a motorhome when it's in the 40's and there's no heat isn't the most fun we've had since we've moved!
We managed to get my truck running again - after about a month of it sitting. Hubby and a co-worker had changed out a pulley and something, but said the alternator tested fine. Turns out the car place didn't properly test the alternator! So, we were able to pick one up Saturday and get it in, and I even got to drive to get my papers on Sunday! Woot!
Anyone else getting free kindle books? I get a bunch of pages on my facebook feed, and a few have links for free kindle books. While I don't get all of them, I do have over 200 books on my pc kindle now. Add in the books I've managed to win in the contests, and I could really use and extra few hours a day to spend reading!
Since we're mobile again, I'd like to do a field trip. The kids and I didn't get to do too much before the truck died, and we're still new to the area. I'll be checking into a few places this week to see what we can do for free/cheap. Maybe we'll take a drive to the beach (because, well, we can! lol), but I would like to do something a little more school related. Maybe an historic tour or something.
I know making money while staying at home is an issue for a lot of my friends, so I'll be posting some ideas/ places that hire home workers. I'll also share links I've gathered from magazine articles and books on career changes, what you should be doing (personality tests), etc. Try and help someone get into a job they actually like instead of something they drag themselves to everyday.
This week I hope to work on a schedule for posting - and post daily. I will be talking about long distance moves, living in an RV/motorhome, state park living and more. If you would like to see anything, please ask! I'll do my best to work it into a post. My oldest little and I have been talking about her blogging as well. Maybe let her do one post a week on different topics.
I would leave you with a picture, but for some reason I can't access my photos on my laptop.
Thanks for stopping by, and hope to see you again soon! Once I get more followers I plan to do a giveaway. Not sure what yet, but I'll let you know when I get that organized.
I'm trying to restart my blog as a way to share ideas on crafts (for kids and adults), recipes, reviews of books/products, homeschooling sites/ideas and more! Right now we're still in the motorhome, but I do have a few emails out (they didn't leave a number on their ad) to see a few rentals. Crossing fingers we get to move this weekend! Living in a motorhome when it's in the 40's and there's no heat isn't the most fun we've had since we've moved!
We managed to get my truck running again - after about a month of it sitting. Hubby and a co-worker had changed out a pulley and something, but said the alternator tested fine. Turns out the car place didn't properly test the alternator! So, we were able to pick one up Saturday and get it in, and I even got to drive to get my papers on Sunday! Woot!
Anyone else getting free kindle books? I get a bunch of pages on my facebook feed, and a few have links for free kindle books. While I don't get all of them, I do have over 200 books on my pc kindle now. Add in the books I've managed to win in the contests, and I could really use and extra few hours a day to spend reading!
Since we're mobile again, I'd like to do a field trip. The kids and I didn't get to do too much before the truck died, and we're still new to the area. I'll be checking into a few places this week to see what we can do for free/cheap. Maybe we'll take a drive to the beach (because, well, we can! lol), but I would like to do something a little more school related. Maybe an historic tour or something.
I know making money while staying at home is an issue for a lot of my friends, so I'll be posting some ideas/ places that hire home workers. I'll also share links I've gathered from magazine articles and books on career changes, what you should be doing (personality tests), etc. Try and help someone get into a job they actually like instead of something they drag themselves to everyday.
This week I hope to work on a schedule for posting - and post daily. I will be talking about long distance moves, living in an RV/motorhome, state park living and more. If you would like to see anything, please ask! I'll do my best to work it into a post. My oldest little and I have been talking about her blogging as well. Maybe let her do one post a week on different topics.
I would leave you with a picture, but for some reason I can't access my photos on my laptop.
Thanks for stopping by, and hope to see you again soon! Once I get more followers I plan to do a giveaway. Not sure what yet, but I'll let you know when I get that organized.
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