Showing posts with label financial serenity. Show all posts
Showing posts with label financial serenity. Show all posts

Friday, October 15, 2010

Starting From Scratch


To be happy at home is the result of all ambition.
Samuel Johnson

Last week I was sick with a horrible head cold and my husband picked up the slack and helped me do all the things I was too weak to do. This week he is the one who is ailing and I'm doing my best to compensate and help him out.

Relationships are all about give and take and hopefully keeping the balance towards the middle so no one person feels they have to do it all alone.

I've been mentioning how I wanted to rethink the store and I'm happy to say that after a meeting of the three of us I was able to order some new yarn from Knitpicks for each of my items. One of our goals is to make my items cost lower. I'm happy to say that I think we can do this for some of the items...not so sure about the others. But one step at a time.

I've been thinking about the reason I started this store so many years ago...and more than showcasing everyone's individual talent it was about making a better life for me and all involved. But the financial side of it never really came to pass and it would frustrate me...but then I was never really good at the whole math thing.

Even now when I dream of winning a million dollars the first thing I would do is buy my BIL and his kids a house, the second would be to buy a house for a friend of mine who needs it...I'd give to various charities and then hopefully have a third left over to pay off our house and bills...maybe a little would be left over for a vacation.

The point is one of the things that makes me happiest is to know that those I love are happy and safe. So usually any headway we make is countered by our need to give back to those who are less fortunate.

I've tried to be better about it over the years and I make sure money is automatically taken out of my account for me. They say that you should pay yourself first...pay your bills first...take care of your own house first. So I do.

The store is a different matter. It is a big anomalous blob of questions for me. How does one get paid for the time that they put into an object? How can you make things that are cost-effective in a rural country market where people don't want to pay more than $5 for anything? What the heck to people actually want when it comes to my products?

I really couldn't answer any of these questions so I just started from scratch. In changing the yarn I need to see how each piece will behave and find out if it will work. Being affordable and nice texture is also very important to me. I will never make something out of a yarn I don't like to help with costs. That is against the fiber of my very being...pun intended.

My sister also put forth that the items I make should not be something that one picks up and says, "Hey I could make this." The better thing to hear is, "Oh, I could make this but it would take so much effort...and this is a really good price for this kind of work."

So, I'm trying to shift to patterns that are of my making and not very common. It gives me great joy when someone tries to figure out what I did to create something. :D I had so many people finger my diagonal crochet blanket and not be able to figure it out...heh it made me feel like I had stumbled on this big secret...which is actually really easy once you know the trick.

So all these ideas are going into my new line of products. And I will spend the Winter trying to make them all work for a decent price with nice yarns.

Every show we have made back our site fee but wouldn't be absolutely wonderful if we could not only pay for our material...but make a little profit? (GASP) I'm getting giddy thinking about it.

I hope everyone has a beautiful Fall weekend!
Ruinwen
:)

Note: A pic of a past diagonal crochet blanket. This one we donated to the Great Dane Rescue Society...but it was a personal favorite because it was alpaca and soft heathered wool.

Thursday, March 11, 2010

Musings in My Shower


"The body has its own way of knowing, a knowing that has little to do with logic, and much to do with truth, little to do with control, and much to do with acceptance, little to do with division and analysis, and much to do with union."

-- Marilyn Sewell

So, I’ve been sick since last week with a cold that is really hanging on. Despite that, I’ve only missed one day of work and have kept up with most of life.

In my quasi blurred state, I’m having trouble tracking my thoughts so this may not be my most poignant post. But the act of posting is very important to my well being. I find that expressing myself through this blog is helping me to heal and become a better person.

After writing about “staying true to one’s beliefs” in my last post I began thinking about bath scrubbies. *yes you heard me right*

My little scrubbie is made of plastic and I really haven’t thought about it before. But really, I should be using something that I can wash easily…that is gentle on the skin…yet abrasive enough to do the job that scrubbies are faced with.

So my next big task is to make a scrubbie that is eco-friendly and kind to the skin as well. Something that can be thrown in and washed with the towels and at the same time will help my soap become good and lathery.

Life is made up of little things that make a difference on such a small scale that by themselves they might seem to barely matter. But if you piece together all these little things they form a greater cohesive whole.

Saving money is like that…one dollar might not be much but keep putting away a dollar here and there and it grows to a much larger sum.

I had trouble saving in the beginning because I felt guilty that I was paying myself first…yet, that is what all the money gurus tell you to do. Also, I thought it would be better to pay off my credit card rather than save money but I was wrong there too.

I was lucky enough to have a money guide that taught me that doing anything with money is like dieting…it takes time, commitment and diligence. My guide told me that you should always pay more to the card then the minimum payment calls for…even if you can only do it by a few dollars.

This gets you in the habit of adding in a little more and as the money frees up those extra dollars add up. The habit is just as important as the money itself.

At the same time, he told me, you should put away a little. I could only do $25 a month at first. So I opened an ING account because the money was out of sight and out of mind. But again the amount was not what was truly important…the habit of saving was.

When I started this financial serenity plan four years ago I wasn’t sure I could stick to the budget I had created which also included daycare, charities, a UTMA and 529 for my son and all the little behind the scenes things I pay for each month.

A budget is much harder than a diet. In a diet, you can say, “No, I won’t eat that,” and go on with your day. You can’t say to your budget, “Sorry, I’m not fixing the car this month…or no, I won’t take my child to the doctor.”

That is what I found out the savings is for. So when life hands you lemons you can say, “Well, I’m glad I had an emergency fund for that.”

That moment of clarity when you realize your financial serenity isn’t some far day in the future…instead it is now…this moment. And for me, that was a beautiful feeling.

Was there a point to this ramble of disjointed thoughts that I had while using my plastic scrubbie in the shower?

Actually…yes.

All things truly worth having take time and effort. You can’t put into effect big changes in a day…but you can make little continual changes that in the long run enrich your life.

* germ-free hugs and bright blessings*

:)

Notes:
First of all, I only wish that was my shower.
Second, I know that everything I have is a blessing.
Third, I'm not suggesting my financial guidelines should be followed by anyone but me...I'm just writing my process to financial serenity. It has been a long hard road for me...but I think I can see a light at the end of the tunnel. But that may just be an oncoming dragon. ;)