Strapped

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The bank account is empty,
The cupboards are bare.
The rent is due tomorrow,
And I don’t know where to start.

I’ve applied for jobs,
But no one is hiring.
I’m starting to panic,
I don’t know what I’m going to do.

I’m so tired of being broke,
Of living paycheck to paycheck.
I just want a break,
A chance to catch my breath.

But it doesn’t seem like that’s going to happen anytime soon.
I’m stuck in this rut,
And I don’t know how to get out.

I’m starting to lose hope,
But I’m not giving up yet.
I know there’s a way out of this,
I just have to find it.

Until then, I’ll keep fighting,
I’ll keep searching for a way to make ends meet.
I won’t give up until I’m finally free,
From the burden of being strapped for money.

Money

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Money, money, you are so cruel
You make me worry, you make me blue
I can’t sleep at night, I can’t eat in the day
I’m always thinking about you

I don’t have enough, I need more
I’m always chasing, I’m always in debt
I’m so stressed out, I’m going insane
I just want to be free from this pain

Money, money, you are my enemy
You’re the root of all my problems
I wish I could live without you
But I know that’s not possible

So I’ll just keep on working, keep on saving
In the hope that one day I’ll be free
From your clutches, from your tyranny

But until then, I’ll be stressed out
And I’ll never know peace of mind
Money, money, you are my curse

Help For a Friend

This is from a friend who is in need.
Hello, my name is Tyler Conner. It’s taken me a while to come to this decision to create a GoFundMe account but I’m currently in desperate need due to all the health issues I’ve been dealing with over the past 2 years. I had a botched spinal fusion surgery last April and ended up losing all feeling in my left leg because of it. After ambulating on a cane for a year my right knee also became damaged. I recently had a second spinal surgery on May 26th of 2022 and just underwent an ACL reconstruction surgery June 15th to try and fix the damage. I have been out of work since April 2nd of 2022 and although my tax return has covered my bills since then the next few months will be rough on me and my family until I can get healed up and back to work. I do everything I can to keep a roof over my 2 young children’s heads as well as making sure the bills are always paid. I just need help now. I wasn’t eligible for short term or long-term disability with my job due to not being employed for 12+ months and I don’t qualify for social security disability due to not enough credits.

Check out his go-fund me. https://gofund.me/07d2c1f7

To Buy or Lease?

car

Need a new car? What do you do?  I faced the dilemma of needing a new car earlier this month. My old car served us well for many years but now we needed to fix it or get a new one. My old care was stalling when we stopped, so I brought it to our mechanic and we found the car had an oil leak, a transmission problem, and various other problems. We had to decide if it was worth it to pour more money into this car or use the money to put down on a car. We had a few things to consider. Do we look at used car lots, buy a car or lease one? 

I didn’t want to buy a used car. In the past, I had bad experiences with used cars, so I didn’t want to buy a used one.  When you buy a used car, most times you are just trading your car’s problems for someone else’s. The car needed to be reliable and safe. I knew I didn’t want a used car. 

My next question was whether to lease or buy. To answer this question, I had to weigh the pros and cons of each and decide what I can afford. First, when you buy a new car, your payments will be higher than that of a lease.  My insurance will be high both whether I lease or buy so I didn’t need to worry about that right now. Either way, I will have to pay for full coverage. When you buy a car, you can drive as many miles as you want. There is no mileage penalty. When your payments are over, you own the car. It is yours, not so when you lease a car. You can make any upgrades you want. When you lease a car, you can’t change anything. What you see if what you get. When you buy a car, any wear and tear on the car are yours. No one will charge you for these scratches, dents, and stains. 

Thinking of leasing a car? Sure the payments are lower, but when your lease is up, you don’t have a car. The car is not yours; it belongs to the dealership. You could lease a new car every 3 years. Drive a new car every 3 years.  Your car is under warranty for the entire length of your lease, so the dealership will cover anything that goes wrong with the car. You must pay for the maintenance of the car, the oil changes, brakes, and tires. So what do we do? Buy a car or lease one?

I wound up leasing a car as it was 200 dollars less a month to lease than to buy. I paid extra for scratch protection on the car. It is a sealant that goes on the outside and inside of the car. It could cover most scratches and stains. My plan is to drive a new car every 2 to 3 years. So far the car is amazing and since I had full coverage for my old car, my insurance didn’t go up all that much. Before buying or leasing a car, weigh the pros and cons of each and make the best-educated decision you can. 

Homemade

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Homemade (recipes at the bottom of the Blog)

There are a few times in my life when I had to cut back financially. One of these times was after I had my first son Vance. Money was tight, and I needed to save.  I noticed one of my friends using a web-site called “Frugal Girls”. I looked into it and found many ways to save. Some of them sounded crazy, but I tried them.

I wanted to share things I tried and tell others how they turned out. Sometimes it saves you money to make these items, but do they work as well as store-bought items? Is it worth the time to make them?

I finished making homemade Laundry Soap.  It was so easy and if it works, it will save me about 20 dollars each time I make it.  One container of laundry soap could cost up to 20 dollars and I made the same amount for like a dollar.

 I also made homemade fabric softener.  All I needed was a container and vinegar.  Just finished a load of laundry with it and the clothes feel so soft.  If you use Suave Conditioner and store brand vinegar, it only cost like 3 dollars for a gallon.  

I made homemade wipes.  I wasn’t sure about these, but they seem to be working. I took old t-shirts, cut them up, and then put them in a mixture of baby oil, baby shampoo, and water.  You wash them and then reuse them. The t-shirts are softer than regular baby wipes and I use less of them because they absorb more. The wipes also smell wonderful, better than the ones I was using before.

I made homemade leave in conditioner.  It is so easy.  Just take your spray bottle, put a little conditioner in to it (whatever smell you like) and a little water, and shake it up. I tried it this morning, and it works great.  I didn’t even need regular conditioner just the spray. I saved money because you only need a little conditioner for the entire bottle. I used Suave Strawberry Conditioner.  The entire bottle of conditioner cost like a dollar.  It could last me all year, and my hair feels great!

 

Update

The laundry soap is great but a pain to make. The clean up is the problem. It makes a complete mess out of your kitchen. It also makes great presents for teachers. Get a mason jar and out the mix into it, tie a bow on top and you have a homemade present for teachers and who ever else you need to give a little present to.

 

The fabric softener work well, but I noticed after a while the clothes smelled funny. I didn’t know if it was the laundry soap of the softener at first. I stopped using the softened and now only use the laundry detergent. The smell is gone.

 

The homemade wipes worked wonderful at first but my son developed a rash from them. They are still work and save money but test them on your child’s skin first.

 

homemade leave in conditioner this is the best. I use it all the time with my daughter. I will never buy detangling spray again. Just a little conditioner and your all set.

 

Homemade Laundry soap

 

What you need

 

  • 1/2 Cup: Arm & Hammer Super Washing Soda {not Baking Soda}
  • 1/2 Cup: Borax  
  • 1/3 Bar of Fels-Naptha Soap {you could also use Ivory soap, but if using Ivory… use the whole bar}
  • Bucket {2 gallon size or larger}
  • Empty laundry detergent containers or bucket with a lid to store detergent.

 

What You’ll Do:

Grate 1/3 bar of Fels-Naptha Soap over a large pot or saucepan…

  • Add 6 cups of Water.
  • Heat over medium-high until soap dissolves and melts.
  • Add Washing Soda & Borax and stir until dissolved.
  • Remove from heat and set aside.
  • Pour 4 cups Hot Water into a bucket and then add Soap Mixture.
  • Stir and then add 1 Gallon + 6 Cups of additional water.  Stir.

 

Transfer to a bucket with a lid, or pour into empty laundry detergent containers.

Set aside, and let it sit overnight, or up to 24 hours, to thicken and gel up.

 

Homemade fabric softener

(I tried it and loved it.  I will put more conditioner in next time to make it smell better.)

 

What You’ll Need:

6 cups HOT water

3 cups white vinegar

2 cups Suave Refreshing Waterfall Conditioner {or other favorite scent}

 

What You’ll Do:

  • Mix conditioner & hot water well, until conditioner is dissolved completely.
  • Add the vinegar and mix well.
  • Store in a large container {empty fabric softener container, empty large vinegar bottle, etc}
  • Pour into a downy ball… or the fabric softener spot in your laundry machine… then wash!

 

Homemade Wipes

 

  • 2 1/2 cup Water
  • 2 tsp Baby Shampoo or Baby Bath
  • 1 tsp Baby Oil
  • 1/2 Roll Paper Towels (Bounty) I used scraps of old T-shirts.

 

Directions

Take old t-shirts.  I had just gone through our closet and took out anything that was fading, ripped, or didn’t fit anymore.  Cut them into pieces. Mix water, shampoo and baby oil in a container. Put the scraps into the mixture and let them soak.  I would wring the out and then put them into the baby wipe container. Be sure to make extra so. While you are cleaning one load of wipes, you can use the others.  I made an entire box full of scrapes. Keep a laundry basket one with a lid next to your changing area. I would wash these wipes by themselves in your washing machine.

 

Detangler

 

  • Any conditioner and a spray bottle. Just add about ¼ cup of condition and the rest water.