First the good news: Clickworker continues to pay, and compared to EVERY other online income scheme I've tried, pays very well indeed! Here are our Clickworker earnings for August:
August 6th - $51.84
August 12th - $21.62
August 19th - $44.60
August 26th - $23.96
That's about $140.00, which ain't bad. Yeah, I know to a guy like Pat Flynn it's just peanuts, but I'm not at Pat's level yet, okay!
Now the (ugh!) bad news ........
This is shaping up to be an "interesting" month financially. The tenants of our condo back in Columbia have moved out. They did give a 30 day notice, but our management firm didn't bother to let us know until the end of this month! GRRR!!!
Fortunately I had cashed in stocks last month, before the latest "crash", and paid off the ridiculous AMEX debt. Going into this situation with credit card debt would really suck.
How bad are things? Well, after paying bills, I wasn't sure if all our mortgage checks would clear! Thank God for Clickworker and PayPal! Remember that $140 I earned on Clickworker this past month? I put in a request to transfer that amount from paypal to our checking account yesterday, (Sunday!), and by this morning it had already transferred over. Hooray! No bounced checks!
Realistically, things aren't all that dire ….. yet. We are paid ahead, (until March 01, 2016), on our auto loan, so we can use money set aside for that to pay the condo mortgage until the condo either rents or sells. All I have to do, in the meantime, is keep my job. (Happy, happy, joy, joy, right?)
While we're on the subject of employment/financial freedom, let me state that I tend to admire J. Collins, (other than the wonderful J. Money, of course!), more than other financial bloggers, probably because, like me, he is an old fart. I can relate more to his outlook, (f**k you money, for example), than I can to the concept of super early retirement/financial independence/never work again. I even think the venerable Mr. Mustache is sometimes off base with his, "save your money and quit" mantra. (Yeah, that's an oversimplification, but you know what I mean.)
Enough philosophizing! It's time for my, (drum roll please!), standard Clickworker verbiage:
I truly believe Clickworker is the only website worth bothering with, and wrote a quick review of my experiences with it here, “http://buyingnirvana.com/words/clickworker-the-good-the-bad-and-the-ugly/”. I would highly recommend everyone to give it a try. If you do decide to sign up, please consider doing so using my affiliate link, http://www.clickworker.com/become-a-clickworker?utm_source=765696&utm_campaign=CW4CW&utm_medium=email .
Until next month, good luck with your online earnings!
Monday, August 31, 2015
Tuesday, August 4, 2015
Stupid Debt!!
GRRR!!! Will we EVER get out of debt!!
Just last week we had raided Grump's retirement account "yet one more time", and cashed in $3,000.00. The plan was to finally pay off the American Express credit card, (current balance $2,000.00 +), and sock the rest away in our short term savings account, where it would be ready to be thrown at the next bout of nonsense. I had anticipated the next batch of "nonsense" would be the roughly $800.00 we owe a lawyer for drawing up an estate plan for us. Which means we would be close to eliminating all our high-interest short term debt.
Ha, ha ..... jokes on me, only it's not funny at all. In the mail today we just received a bill for $1,200.00 from the dentist, which apparently is the remainder due for the broken tooth incident Grump had in early June.
We just can't catch a break on these unexpected, large expenses! Start with our car troubles, add in Grump's busted tooth, and finish with Sweetie's Sister's medical emergencies, and since spring of this year we've had $5,000.00 - $6,000.00 of unplanned debt. YIKES!!
But we can't do anything about it other than keep pounding away at the debt, and hope these rainy day expenses eventually dry up and blow away. Grump is getting heartsick at all the repeated withdrawals from his retirement savings, but what can we do? Credit card debt costs us 18%, more or less. There is NO WAY we can consistently earn that amount in the stock market.
Clarifications for the curious:
1. The "retirement" accounts we are cashing out are NOT tax qualified. They are simply mutual fund accounts Grump has built up over the years. While it sickens him to withdraw money from them now, we do not pay a penalty to do so, and it does make financial sense to whack high interest credit card debt, even with money you've saved for the long term. Grump is just concerned about the "moral hazard" of these withdrawals becomming a habit.
2. The estate plan is being set up to help shield Sweetie from request for financial assistance from back home. Grump is older than her, so hopefully she will outlive him. We have already taken a financial pounding from her sister over the years, (don't even ask!!). Once Grump is out of the picture, the pressure on her to "loan" money to the friends and family in the Philippines will be enormous.
Actually, in a way we have been lucky here. We haven't been put in the situation where someone's hope for survival is in our hands, thank God! What do you do if someone urgently needs to go to the hospital, but you are the only one who can pay for it?
Just last week we had raided Grump's retirement account "yet one more time", and cashed in $3,000.00. The plan was to finally pay off the American Express credit card, (current balance $2,000.00 +), and sock the rest away in our short term savings account, where it would be ready to be thrown at the next bout of nonsense. I had anticipated the next batch of "nonsense" would be the roughly $800.00 we owe a lawyer for drawing up an estate plan for us. Which means we would be close to eliminating all our high-interest short term debt.
Ha, ha ..... jokes on me, only it's not funny at all. In the mail today we just received a bill for $1,200.00 from the dentist, which apparently is the remainder due for the broken tooth incident Grump had in early June.
We just can't catch a break on these unexpected, large expenses! Start with our car troubles, add in Grump's busted tooth, and finish with Sweetie's Sister's medical emergencies, and since spring of this year we've had $5,000.00 - $6,000.00 of unplanned debt. YIKES!!
But we can't do anything about it other than keep pounding away at the debt, and hope these rainy day expenses eventually dry up and blow away. Grump is getting heartsick at all the repeated withdrawals from his retirement savings, but what can we do? Credit card debt costs us 18%, more or less. There is NO WAY we can consistently earn that amount in the stock market.
Clarifications for the curious:
1. The "retirement" accounts we are cashing out are NOT tax qualified. They are simply mutual fund accounts Grump has built up over the years. While it sickens him to withdraw money from them now, we do not pay a penalty to do so, and it does make financial sense to whack high interest credit card debt, even with money you've saved for the long term. Grump is just concerned about the "moral hazard" of these withdrawals becomming a habit.
2. The estate plan is being set up to help shield Sweetie from request for financial assistance from back home. Grump is older than her, so hopefully she will outlive him. We have already taken a financial pounding from her sister over the years, (don't even ask!!). Once Grump is out of the picture, the pressure on her to "loan" money to the friends and family in the Philippines will be enormous.
Actually, in a way we have been lucky here. We haven't been put in the situation where someone's hope for survival is in our hands, thank God! What do you do if someone urgently needs to go to the hospital, but you are the only one who can pay for it?
Monday, August 3, 2015
Online Income Statement - July/2015
I think you know the script by now:
Clickworker/UHRS is great!! July was another good earning month for us:
July 01 - $47.30
July 08 - $54.64
July 15 - $46.30
July 22 - $25.05
July 29 - $55.61
Now as it happens August, (so far), has been pretty lame earning wise, but even a lame Clickworker blows the socks off any other means of earning money online I've tried. Of course, YMMV, and you may be one of those lucky folks whose blog is a hit, and earn big bucks from Adsense and other advertisers.
Speaking of Adsense and other ways of "making money" ....... blah! Affiliate marketing was huge bust for me. I even brought my "Novice Affiliate" series of YouTube videos to an end - at least for now.
Assuming I can add correctly, (BIG ASSUMPTION!!), I've earned about $550.00 using Clickbank since early May of this year. Not a enough to constitue a change in our standard of living, most certainly, but as beer money not too shabby!
And so, without any further ado, let me bring out my standard Clickworker verbiage:
I truly believe Clickworker is the only website worth bothering with, and wrote a quick review of my experiences with it here, “http://buyingnirvana.com/words/clickworker-the-good-the-bad-and-the-ugly/”. I would highly recommend everyone to give it a try. If you do decide to sign up, please consider doing so using my affiliate link, http://www.clickworker.com/become-a-clickworker?utm_source=765696&utm_campaign=CW4CW&utm_medium=email .
Until next month, good luck with your online earnings!
Clickworker/UHRS is great!! July was another good earning month for us:
July 01 - $47.30
July 08 - $54.64
July 15 - $46.30
July 22 - $25.05
July 29 - $55.61
Now as it happens August, (so far), has been pretty lame earning wise, but even a lame Clickworker blows the socks off any other means of earning money online I've tried. Of course, YMMV, and you may be one of those lucky folks whose blog is a hit, and earn big bucks from Adsense and other advertisers.
Speaking of Adsense and other ways of "making money" ....... blah! Affiliate marketing was huge bust for me. I even brought my "Novice Affiliate" series of YouTube videos to an end - at least for now.
Assuming I can add correctly, (BIG ASSUMPTION!!), I've earned about $550.00 using Clickbank since early May of this year. Not a enough to constitue a change in our standard of living, most certainly, but as beer money not too shabby!
And so, without any further ado, let me bring out my standard Clickworker verbiage:
I truly believe Clickworker is the only website worth bothering with, and wrote a quick review of my experiences with it here, “http://buyingnirvana.com/words/clickworker-the-good-the-bad-and-the-ugly/”. I would highly recommend everyone to give it a try. If you do decide to sign up, please consider doing so using my affiliate link, http://www.clickworker.com/become-a-clickworker?utm_source=765696&utm_campaign=CW4CW&utm_medium=email .
Until next month, good luck with your online earnings!
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