I got a weird letter today from my general liability insurance company. They said they made an error calculating my premium, and if I still owed money to pay on the premium, they'd adjust it, and if I'd already paid in full, they would send a check. Really? I hope so. Wonder how much? Are we talking 50 cent or $50?
In other financial news:
- F is not loving this week's camp as much as last week's, but it's from 8:30-3:30 and I'm able to get some significant work done which will allow me to take off some time next week when she doesn't have camp.
- I drove over a screw on a jobsite (this is one of those job hazards!) and had to go to the tire store. But - yay! - the screw was just stuck in between the treads and was super short so it didn't puncture anything. They removed the screw and didn't charge me.
- Because we hosted a coach last week, we have very little grocery budget left for this month (but we do have some dining out budget which I can move into the grocery bucket). Luckily only one more shop for the month. I'll need to be strategic.
- I am making my packing list (one of my favorite parts about traveling!). I will post about this at some point, but you probably guessed that I'm an extremely efficient packer. I do carry-on only. This saves bag fees. And I have a very inexpensive carry-on ($30) and very light; it's the best on out there.
Viewing the 'Life among the Self-Employed' Category
I got a weird letter today from my general liability insurance company. They said they made an error calculating my premium, and if I still owed money to pay on the premium, they'd adjust it, and if I'd already paid in full, they would send a check. Really? I hope so. Wonder how much? Are we talking 50 cent or $50?
Last year I paid $3236 for professional liability insurance. I wonder what it'll be this year...
It's not optional for me (my clients require an insurance certificate), so I just have to pay it, but it's pretty frustrating given the state of the economy for architects. Our fees go down, but it doesn't seem like the insurance premium ever goes down.
Anyway, you know how I am about tracking things... I track my incoming money (for the business which is an S-corp) and also the percentage of gross billing for different types of projects (fire station, work for homeowner's associations, offices, schools, etc.) and for different types of clients. Turns out in 2013, 88% of my fees were from local governments. Ninety-two percent of my fees were from repeat clients. I need all of this info in order to fill out the renewal application.
And more information... it's a long form. I am going to fill it out tomorrow and scan/send back to my insurance agent on Monday. Hopefully given how much (how little!) I made in 2012 and 2013, the premium won't go up. Fingers crossed.
I discontinued my AIA (that's American Institute of Architecture) membership as of this year. I used to be super involved, but I got tired of the repetitive lectures and unwillingness to do anything meaningful. So I donate my time instead to another organization.
The AIA is nothing more than a professional "club."
You don't need to be AIA to a licensed Architect. You can have AIA membership even if you aren't a licensed Architect. You can only call yourself an architect if you're licensed.
Anyway, one of my friends has put together a meeting (she'd like to meet monthly or every other month) of women who are architects. That is pretty interesting, mostly because it'll be a room full of people who have a lot of the same concerns. I hope there'll be some interesting discussions. I, for one, am interested in work-life balance (or imbalance!). I am also interested in how we can volunteer in the public schools (where a lot of art programs have been cut).
Leaving now to go to the event. She's asking everyone to contribute $20, but I can handle that. Will take it out of the business account.
I'll let you know how it goes!
(BTW, F is at her friend's house today, and the friend is coming to our house next Tue).
Summer, for us, starts officially tomorrow at noon when F is out of school for the summer.
I have two big projects going on for the duration of the summer, and about three smaller ones. Also regular summer volunteer job (not that big of a thing, but something else to schedule in).
I need more time! I am insistent that F should have a real summer, and that we should spend time together because THAT is why I'm self-employed. It's mostly just bad timing, but I can't really control the timing of my projects, and I'll be making about half the money I'll make this year in the next two months. Most architects in our city don't have any work, so I am very thankful for the work (and they are really good projects!).
To calm myself, here are some of the things I am doing so that we can do all those summer things like go to the pool, play tennis at the park, get slushies, sit outside and eat popsicles, go on hikes...
1. F is in camp for five of the summer weeks (this is day or half-day camp so we have time after pick up to hang out, but I'll also have time to get work done.
2. I will continue getting up at 6:30 am and get about an hour of work done before F wakes up - her summer schedule is about an hour later (then we'll start the daily routine of breakfast, etc).
3. I have set up a few playdates in the next few weeks (F has no camp until mid-June). If a friend is over here, I can work while they play. If she is at a friend's house, I can go into the office.
4. I have made a detailed, day-by-day summer schedule on excel with three columns: Big Project 1, Big Project 2 and F. There should be a fourth column for other work, but that just needs to fit around the big projects.
5. I am not stressing about the volunteer thing, at least not now. I've contacted the organization to know I need more people in my area, and they don't seem stressed. I will put on my list to contact them again tomorrow to let them know what's up, but I have decided it's not up to me to find people to fill my schedule. I am in charge of one area, not all volunteers. The event is mid-July.
6. I will not work a shift at the volunteer event. My job is to coordinate other volunteers.
7. I will not stress about F's birthday party. I've chosen an easy, fun party. I just need to get a few supplies. Can do that this weekend.
8. There are things like buying cat food that need to be done. D has not volunteered. It will have to wait until the weekend, since I am committed to not taking valuable work time to do errands. F may go with me after the pool tomorrow, but Friday, when she is at a friend's house is work time.
9. I will make errands as easy on myself as possible. For example, stressed about the teacher gifts (class pools resources and gets a cashier check) earlier in the evening. I was going to take work time to go to the bank to get the cashiers check (they don't open until 9) and pop by school before pick up (because D is picking F up while I teach spinning). Instead, I'm stopping at the drive-through on the way to school because they are open earlier, and instead getting new crisp bills. The teachers, I've decided, won't care if it's a cashiers check or cash! Probably easier not to go to a bank to cash it!
10. I can't think of a tenth thing.
OK, I feel better. Going back to sleep now!
I really didn't think I'd get this project - but I am so pleased I did! It's for a new pavilion (for classes and weddings) and interpretive trails at our Audubon Preserve. I teamed up for the project with a landscape architect who I really admire (and she's very passionate about educational landscapes!).
Anyway, we'll need to sign the contract this week, so I have a few days to clean up the office, particularly the storage room which was really out of control.
I bought 6 boxes at U-Haul (total $22) which were the right size (12x12x24) to store plans. I've been going through every set of plans in the office, putting them in the boxes (which I stacked up in the corner) and inserting a label in them, as well as cataloging which plans are in which box. I should end up with a lot of space on the shelves (I hope so).
Plus I've tossed a ton of old fedex boxes and duplicate plans as well as some design-stage plans which I don't need to keep once projects are complete.
The next step is to toss a bunch of old samples. Samples go out of date quickly; they introduce new colors/patterns/etc. I can give them to a school (they love stuff like that for art projects).
I hope to be done with all of this by tomorrow afternoon so that I can finish up another project (should be fast) and then start the Audubon next week.
I just like a nice clean, organized office so that I can think clearly.
I don't own my office (I wish I did). I rent from the BEST landlord ever. We've been in the space over 8 years and have only had one minor rent increase. It's way below market value for where it is (right downtown). No one can believe it. Actually, it's below market value for anywhere else in our city, too.
Anyway, it's in an old 50s building (with a butterfly roof - architects love butterfly roofs - and I am not the only architect in the building, actually). A lot of the fittings are from the 50s or 60s. The 50s light fixtures are cool. The kitchen, however, is a disaster. There's a countertop with a sink cutout but the sink was removed and put a foot over, so there's now a wood board over the old hole. I will take a photo for you... it will be a Before photo because the landlord just gave me the okay to put in a new sink and countertop. My office-mate and I will install it, and the landlord will pay for everything. I'm so excited!
That's an improvement. Here's the change... The office has an itsy bitsy kitchen, teeny tiny bathroom, two small offices, a storage room and a large area where the conference table is. In the large area, there is an extra desk that I've wanted to rent out, but no one has been interested mainly because it would be more of a drop-in situation and wouldn't come with a parking space. But I'm only asking $75 a month. That's a great price! Includes internet!
My office-mate just told me that due to finances he can't keep renting one of the small offices, but that he would take that desk! That is great news! Now I just have to rent the small office.
I started by calling friends, and the first friend I called (my first choice!) said she might be interested. I would love to have her. And the three of us would be a great combo. She's an architect, too. Cross your fingers for me!
And I promise I will post photos of the kitchen before and after. It can't be any worse than it is now. Seriously.
I have an office downtown, but after F gets home from school, I work at home (we do our homework together!) so I have a printer here. It's been making this horrible noise for the past few months, but it kept working. I tried to fix it, and located the noise, but the printer is old, and we got it for free with something else.
It finally stopped working yesterday, and so I bought a new printer. Or I should say, my business bought a printer for me to use at home.
It was recommended by Consumer Reports. Apparently it's not an ink-hog. And I can buy third party ink for it inexpensively. The printer was $80. Luckily that's in the work budget.
I set the work budget for this year based on last year's budget and expected income. I have $133 a month for office supplies. I had $0 in supplies for this month. Other supplies in the near future: just bought ink for the printer in the office and cd's. Also will need envelopes in the next few months.
I'm trying to be as frugal at work as I am at home; afterall, the business is a pass-through entity, so it's my money even though it's a corporation.
My business budget is just shy of $6,000 per month. That includes my salary and health insurance reimbursement. I pay quite a bit for business insurance, professional liability insurance and my licenses (I have licenses in two states and an NCARB certificate to maintain).
Freebie 1 - Was taken to breakfast today by a client. This never happens, since my clients are almost always local governments. This client is a hotel. He also mentioned there will be more work coming up later in the year, so that's good.
Freebie 2 - I got paid by the gym; it was $40 (mortgage principal!). I really would (and have had) taught just for the gym membership. I think I'd get paid more if more people came to my classes, so I might have to figure out how to drum up business!
Freebie 3 - No horse riding for F today - it was canceled due to cold. She'll be sad, but I am glad since it is really cold! My parents pay for the lessons, but this saves the gas down there.
Lots of thoughts in my head right now (it's good to get this down so I can stop thinking about everything):
- I got my bonus from Capital One today - $125! Yes! I am going to apply this to mortgage principal next month.
- A friend is coming over this afternoon to share her music and choreography for the exercise class I teach. She is so nice! She used to own our gym, and she was the one who got us all certified to teach this class. She was at the hospital the day after my daughter was born (and it was a trek! We were at a hospital an hour away due to complications). Anyway, the result is that I don't need to buy choreography. And F and I get to see her!
- I was attending the same class yesterday (my friend L teaches on Mondays, and we share the Wednesday class). L and I have already shared our music, and I'll be copying everything for her, too. Anyway, the gym owner paid L, so I am hoping that means I'll get paid either tomorrow or Thursday. Fingers crossed; he is pretty erratic about paying us.
- My insurance company is making me a little crazy right now. They were great in that they decided that D's last day on the insurance was 12.31.13, but somehow decided I wasn't eligible for coverage and didn't pay my doctor for my well-visit (so I had to call and straighten it all out). Then despite the fact that D is not covered, we've paid for him for both January and February. I was told we'd get a credit for January to appear on the February statement, but they told me their billing department is separate. Another call. I'm hoping this is fixed for March and we see the credits for both January and February. The woman I spoke with understood that we shouldn't be paying for my husband, and promised that would be straightened out for March, but didn't mention the credit in the phone message she left me. We'll see.
- I finished the business taxes (both federal and state). Just need to mail - phew!! I've download Turbo Tax for our personal taxes (my parents let me use their software since you can download onto multiple computers). So I'll start that this week.
- I am doing the business checkbook reconciliation.
- I am vowing to curb our spending in February. January was "spendy" due to stocking up in the sales.
My husband's employer now gives him health insurance through the business, but we weren't certain it would all be set up for 2014 until December 31st! So frustrating! I called our current insurance that day, but they said that you need to cancel someone by the 25th of the previous month, otherwise they can't do the cancellation.
I filled out the form using 1/1/14 as the date his new insurance was set to begin anyway, just in case (I'm very fond of "just in case").
Well, I called today to make sure the cancellation had gone through, and also to make sure F and I were not cancelled (we are staying on that insurance). It was a nice surprise to find out that not only was everything ok, but the effective date of cancellation was 12/31/13, so we'll be getting a refund for this month for my husband on next month's bill!
My business pays for our health insurance (it's reported as income, but not taxable income, on my W2), but since my business is an S-Corp, it's a pass-through, so saving money in the business really is money in our pocket.
It turned out I couldn't use the Turbo Tax I'd pre-bought for my business taxes this year (long story short: they don't make it for a Mac, I'm not going to spend the money to upgrade Parallels just to run this one program). This is not the Turbo Tax for personal taxes (that they DO make for a Mac).
So I called Turbo Tax to stop the auto-renewal.
And guess what? They also offered to refund me the amount I paid since I couldn't use it! I was surprised, partly because I already have the disk so it's not like they can check that I'm really not using it.
I will continue to do my personal taxes on Turbo Tax, and I told the customer service person that I really hope the business software does come out for a Mac in the future; I'll use that, too, when it does.
So, a pleasant surprise, a big refund to my business account. And I found a company that will let me do my business taxes online, so I'm working on those this week (I was afraid that I was going to have to do it by hand!).
It's about that time again... before I can do our personal taxes, I need to do my business taxes. (My business is an S-corp - any profit or loss is reported on our personal taxes).
We need to do this sooner rather than later in order to apply for tuition assistance from F's school.
This year, like last year and the year before, I have to do my business taxes on a PC (I use Parallels on my Mac) because none of the business tax programs are native to Macs. (Someone is going to say that Turbo Tax makes Home and Business - this is not for S-corps, but rather for people who report their income on schedule C, so it won't work for my corporate tax return).
Anyway, I'm even more frustrated this year, because my old version of Parallels doesn't work with my upgraded operating system. And I can't upgrade Parallels because it's too old - I have to buy a new version! Grrrr!
I wish there was an alternative program. I've been googling business taxes on the Mac for an hour, and all that comes up is Turbo Tax Home and Business.
OK - next thought was to do the taxes myself by hand. I think this is probably the way I am going to go. Corporation taxes aren't that complicated, I do them myself anyway, Turbo Tax always had this bug which meant every year I had to do a lot of it by hand, and I'm too cheap to spend $80 to get the new Parallels which I don't use for anything else.
Just read this on the bbc website:
As a member of Generation X (although not sure I'd identify myself this way, I know that I'm not a baby boomer - I was born in 1966), I found it relevant. I am one of those people who worked in smaller firms, and then opted out to form my own firm (it's a corporation, but I'm the only employee).
I lost a ton of wealth during the last recession (watched the value of our houses plummet and our IRAs lost about 30% of their value). And my salary has just never gone very high (I've topped out at about $45k and so has my husband). It makes it hard to save, but we've done the best we could and been frugal.
The label that most consistently gets applied to me is not "slacker" (no one mistakes me for a slacker!) but "you're still young; you have a lot of time to make money." I am making far less than most of my clients (firefighters, city or county employees) and they kid me on the sly about making a ton of money. And 47 isn't that young when you have to think about retirement. (There may be some gender bias here, or maybe a misunderstanding of how my fee is divided up between salary, overhead and paying my engineering consultants who normally get a third or more).
Anyway the article was interesting to me; what do think about it? Are you in one of those groups: boomer or gen x or a millenial?
I entered one of my buildings today in the local AIA chapter's award competition. It irritated me to do it (costs $100 to enter), but I haven't submitted for an award in years, so all of my awards are sort of old... This is no guarantee, of course, that I'll win. But it would be good for marketing. The $100 is not mine personally, but a business expense. (I'm still a little irritated about it, but D convinced me to do it, and he's probably right).
I'm entering one of my fire stations in the renovation/adaptive re-use category. I'm proud of that project because it was really difficult (the original building was made of a very brittle clay tile called pen-tile so I had to work with existing openings - otherwise the tile just shatters). I also had a ridiculously low budget. And I think it looks pretty cool! (The first thing I need to do is to get D to take photos of it - the only ones I have, I took, and they're not great photos!)
So... wish me luck!!
I am doing a proposal for on-call services for the County (I think they'll select several architects for this, so I have a decent chance).
Mostly these request for proposals are the same, so I was happy to see a new requirement: "All submitted bid/proposal documents shall be double sided." This is to reduce waste, and I think it's a great idea!
Now I'm really pleased that the new office printer does double sided - you just click a box! It wasn't an expensive printer, either. It's a Brother HL-3170 (about $200).
That's the good work news.
The bad news, and anyone who has their own company will understand this: I have several outstanding invoices, so I need to transfer some money from the business savings account to checking. Ugh. I hate doing that. At least I have the business savings account, though, right? And eventually the money from the invoices will come in.
And now I am going to go home and finish sewing slipcovers, because the proposal is not due for two weeks, and this is one of the big advantages of being self-employed.
Since my husband D moved to this country, he's been self-employed (he was a web designer although in Europe he was a journalist and did internet content creation)... as of Monday he is now an employee with a full-time doing website content for a non-profit (writing again! plus making videos and tweeting etc).
Here are the cons:
- I am now doing a lot more in terms of keeping the household going (tasks we shared before) because I am still self employed and have more flexible hours (but I still work a full day - some of it after F goes to bed)
- F is trying to adjust; she had both parents home by about 4:30 pm, now it's just me (although yesterday we made cupcakes, and I play games with her and hang out with her while she does homework which is the same as before) - she missed her dad yesterday afternoon after school and I held her and she cried (but he comes home at 5:30 - so it's not THAT bad!)
- They want him to go to a conference in November and he doesn't want to go (and F doesn't want him to go)
- Less vacation time - so when we visit my parents in March, D will go home on Monday and F and I will stay the rest of the week - we're taking the train back - fun!
Here are the pros:
- The adjustment to only having one parent around would probably be worse if it was me with the new job and D was home
- D gets to do the kind of work he wants to do, trained to do, is happy doing and he no longer has all of the headaches of being self-employed
- He is working with people now - it was hard for him working alone
- They pay for his health insurance (woo hoo!) - about $200 saved
- He's earning about $10,000 more a year (woo hoo again!) - part to retirement accounts, part to paying down the mortgage!!
I am subbing for spinning tomorrow and my friend Liz just asked me to sub for her weightlifting class at the end of the month. Happy to do it, but once again I haven't gotten any money from the gym in a while (got paid in August but it was for July). I need to ask Liz if she's been paid...
In good news: F found a new book series she loves. I already ordered the second and third in the series from our library.
Other good news: D took the job he was offered. It's a pay increase, but he's also working more hours. Overall, it's a really good thing because I think it's just too stressful if we're both self-employed.
Even more good news: Since I paid the rent for the office, there won't be any difference when he's not there with me anymore. I already rent one office space. My plan for D's old space is to rent it out, too (but on a more limited basis since it's sort of part of the conference room - I was thinking I'd charge a nominal monthly fee - like $50 - and a few people could share it using a google calendar). Need to ask around on facebook (already have one person interested - it's a great downtown location, perfect if you live a little way out of town and just want to be downtown once in while or need a conference table occasionally).
More good news: My business reimburses us for our health insurance, but now D's job will reimburse for his portion of the insurance, so that's more money I get to keep in the business.
And, finally: We made a modest purchase today of buttons for the new cardigan I knitted for F... will share photos of the cardi soon! (Once I sew the buttons on!)
I have to do a ton of continuing education for my profession. I have to maintain my state architecture license (12 credits a year), my AIA membership (18 credits a year, most of those related to Health Safety and Welfare and some Sustainable Design units), my California state license (a disabled accessibility course) and my LEED certification (30 units related to sustainable architecture every two years).
My goal is to make the same credits count for every accreditation I have to maintain. So far all I have left to do is the disabled accessibilty course and two more sustainable architecture hours.
I'll have to pay $60 for the accessibility course, but ALL of the other units have been FREE! I've managed to find free courses for everything! (Mostly through McGraw Hill which publishes Architectural Record magazine). The easy way out is to go to lunches ($20 a pop) and seminars ($$$) but it's less costly and takes less time to do the free online courses.
Another fire station mostly complete... I went down there today for the next-to-last meeting. This is very exciting because I can almost send my final bill! That's a good thing, especially since I'm working on a new project.
Here's a picture from today's visit (if you look closely you can see a bucket - site cleanup is one of the things the contractor still has to do).
Today was the first day in a very long time that I didn't have a meeting! It was a such a relief - I got a ton of work done on my current fire station remodel.
Yesterday I had a meeting with a previous client (a hotel), and they want me to do more work for them. I told them I have a project that I'm working on right now, and couldn't start for about a month. I figured they'd hire someone else, but they said ok!
My husband, who, like me, is currently self-employed, decided to apply for a job (a real job, a 9 to 5 type of job, a job where they help pay for his health insurance) doing what he really wants to be doing for a non-profit. He had the interview today, and they offered it to him, so now he just needs to decide. This would mean a lot more money each month! (Which we could squirrel away in retirement accounts since we don't need it to live on).
It would mean less flexibility (although I know this non-profit, and they are ok with employees taking time in the middle of the day for things like attending school functions). But when we thought about it, although it's a change for him, it isn't that big of a change for me. I already do school dropoff and pickup, and I take F to her after school lessons on Monday and Friday. I take the dog to the office with us. So basically, I'm already the one who takes advantage of our flexibility to do the childcare/household things.
He is very involved with her soccer, but practices are after work, and games are on Saturday.
Anyway, it's his choice.
I guess the things to think about if he has a full-time job (since mine is 8 to 3) will I take on all of the domestic/household/childcare duties? (I currently do about 75% - mostly because I'm faster and I don't mind doing things like laundry and vacuuming - but I really appreciate the 25% that he does!!)
On Friday I hired F to help me with field measurement. She's only eight years old, but is really good at knowing where to put the tape, measured several small walls on her own and took documentation photos.
I am wondering if she's really spatially aware because she's an architect's child, or do we just communicate really well because we're mother/daughter?
Anyway, I paid her $10 and had a really great assistant.
She declared field measurement "really fun" and was excited about getting to see the inside of a men's restroom. (Which is not that exciting, but when you're a girl, it's a mystery; and it's usually not allowed, so that adds something I guess).
F now has a small pile of money from her summer work, so we need to take a trip to the bank and open an account for her.
It's after midnight and I can't sleep - argh!
I am very nearly finished with the history display for a local hotel, and as I was working on it another client called.
The building I designed for him is a fire station, and the firefighters want the tile in the bathroom extended. He was asking me if I would pay for it out of my errors and omissions insurance! Huh? I asked what the error or omission was, and he said they don't have any more money in the project to pay for the tile. So I asked again what I did wrong... apparently I "left out" the additional tile that they now want. (He did understand that it was not something they asked for during design). And, "we don't have any more money for the project; who is going to pay for the tile?"
I've never had an errors and omissions claim, and even though this is additional and not an error or omission, I will end up paying for the tile rather than have it go to a claim.
I think that's why I can't sleep.
But the history window will be finished tomorrow, which is what I promised. Maybe the money I made on that project will pay for the tile?
It sort of makes me sick to think of it.
Also - just venting here - I think sometimes my clients, because I am female, think that I can't possibly be the primary earner in my family, and that what I make is extra and therefore expendable (which I gather from comments they make, that are meant to be funny, but seem like kidding on the sly: "why don't you have your husband buy you a new [car/clothes/whatever].
This same client was very complimentary about the extra work I put into the project during construction (with a difficult contractor) - with no extra compensation, though. I asked for some of the contractor's liquidated damage money, so maybe we can just trade that out for their tile.
(You know, they even asked me why there were no paintings or posters as part of my plans, and were suspicious when I explained that architects don't provide things like that...)
OK, I'm done ranting; I'm going to go to bed now!!
The economy is still pretty slow for construction and building here so I don't have that "one big project" which will keep me going for a year or two. I'd come to sort of expect that type of project... about $3 million construction cost with a two year timeline from design through construction.
Still - I'm happy that I do have work, even if it's smaller projects (but more of them).
- just got a fire station renovation/addition - our kickoff meeting is Thursday! - about $350,000 construction cost
- finishing up construction on two other fire stations
- did a little bit of work for the Community Art Gallery - about $500 fee - need to bill this at the end of the month
- picked up some work for a local hotel - today I am doing a history display for them (it's a historic hotel)
And of course I'm always looking for more work!
I pay myself a steady wage from my business rather than just taking out money randomly, which helps me budget on a personal level and means that the business has money to pay me even when I'm not billing a lot (since the money stays in the business account). It's a small wage, and I also take a distribution. (Business income is reported on a Schedule K).
My husband reports on a schedule C (he's also self-employed) and he also moves a set amount each month from his business account to our personal account.
I wonder, though, if I'll ever feel comfortable giving myself a raise given the unsteady economy... I guess since we can live comfortably on what we pay ourselves, we don't need to worry about raises. It's just a morale thing.
Being an architect is not always great. The poor economy has hit our profession hard. I am a non-confrontational person in a confrontational profession. The pay isn't that great.
Here are the two big advantages: cultural credibility (as in: "Oooh! An architect! I wanted to be an architect!") and trade discounts.
Today I finally got around to ordering D's father's day present (a little bit late). We have two non-working bedside reading lights (D even wound his headlamp around one in order to be able to read in bed) that I've been meaning to replace. I signed up for the trade discount and got $45 off each one! They are LEDs which don't run hot (the others burned your hand if you tried to move the lamp) and save energy.
Since it's Father's Day... I'd like to thank my Dad who is almost entirely responsible for my views on money. Not sure if this is genetic or learned by example or both. (I am not saying this is the right way, but it's my way and my dad's way, too).
- Be your own boss; have your own small business
- Keep it small so you can do what you were meant to do rather than managing employees
- Be conservative in your spending
- Be conservative in your investing
- Stay in the same house forever
- Everything is better when you track it in Excel
- Keep track of every dime you spend in every category
- Spend money on your children's education
- Only buy new clothes when you have to
- It's good to have pets around even though they aren't cheap
- Do your own taxes
- Volunteer, give something back
- You can always talk to your dad about money (or business or anything else!)
Happy Father's Day, Dad!
I am self-employed, which is great and terrifying and sometimes horrible. This is one of those weeks where it's horrible.
I found out last Thursday that I was shortlisted for a project (this is great) and the interview is tomorrow (horrible).
F doesn't have camp this week, and I had only 5 days to prepare a presentation for the interview.
Friday: Jotted down notes for the presentation.
F's ballet recital. I brought a notepad and was planning on working between performances, but instead I was one of the parent chaperones.
F had a playdate here; I worked on my presentation in between making lunch for the girls, providing two snacks, helping them fill water squirters and doing an art project with them. But I managed to get a Keynote presentation done by the end of the day.
I had a morning meeting, so D played soccer with F in the park then brought her by so that he could go to his meeting. We stopped by one of my projects to take photos to put in the presentation, went home for lunch and then went to the pool. (Somewhere in there we did pictures with oil pastels and made a practice birthday cake).
I didn't have time until tonight to try out the projector (D had to rush out to get a cable for me to use while I cooked dinner) and do one rushed run-through of the presentation.
Ugh. I have an hour an a half drive to the interview tomorrow... I'll be practicing the whole way! Wish me luck!
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