If you've read my Online Income Statement for April/2015, you'll already know that I'm concentrating solely on Clickworker now. All the other ways of "making money online" are a waste of time. at least for me, and at least at the moment.
Clickworker/UHRS has been good to me! These are the payments I received in May/2015:
May 6th - $6.81
May 14th - $23.97
May 20th - $30.19
May 29th - $50.56
This is a grand total of $111.53 for the month of May, which is WAY BETTER than anything else I've tried.
Also, notice that the amounts paid keep going up! This trend won't continue, of course, (I may never break $50.00 again), but I'll be very happy if I can average more than $30.00/week. Yeah, it's not a huge amount of money, but it sure beats the heck out of zero!
Let me repeat some of what I wrote last month. 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 .
Friday, June 5, 2015
Sunday, May 17, 2015
Weekends and Credit Cards, Part 04
Despite taking some money out of savings, (about $1,600.00), and throwing it all at our credit card debt, our American Express balance is now nearly $5,000.00. And guess what? It doesn't bother me in the least.
WHAT? HAVE YOU LOST WHAT'S LEFT OF YOUR MIND?
Oh no, not at all. Well .... to be more accurate, my mental health is not necessarily related to my lack of concern over our currently soaring credit card debt. Allow me to explain.
First of all a huge chunk of it, almost $3,200.00, is due to factors beyond our control, namely, a minor repair to our roof, and two trips to the mechanic to repair various parts of Sweetie's car. Repairs must be made, and they have to be paid for.
Another large expense was for Mother's Day. Earlier in May we had bought Sweetie a new purse, and for Mother's Day itself treated Sweetie and Lola to a nice dinner at a local restaurant. For the amount of work they do, and for the joy they bring into our lives, spending $200.00 on Sweetie and Lola was a bargain!
The other large part of the expense was our weekend trip to Savannah, Georgia. We stayed at a very nice hotel, (the Westin across the river), and ate two yummy-but-expensive dinners. This was a much needed vacation, so we don't begrudge the cost one bit.
To pay for all this extravagance I had already sold some stocks from our long term savings, which will give us about $7,000.00 with which to pound on this debt. And we know we aren't going to be going on anymore day trips for a while. (Yeah .... it's gonna be a LONG, LONG summer!) So we're enjoying living large while it lasts.
I may never make it as a mustachian hall-of-famer, but I do believe that expenses like this, if they're planned and you're willing to pay the cost, are a good thing. We only live once, (I think), so we need to enjoy our time while we're here. The important thing is to be intelligent about it, and not throw our money away on craps and trifles. Money spent for quality, be it things or experiences, is used wisely.
WHAT? HAVE YOU LOST WHAT'S LEFT OF YOUR MIND?
Oh no, not at all. Well .... to be more accurate, my mental health is not necessarily related to my lack of concern over our currently soaring credit card debt. Allow me to explain.
First of all a huge chunk of it, almost $3,200.00, is due to factors beyond our control, namely, a minor repair to our roof, and two trips to the mechanic to repair various parts of Sweetie's car. Repairs must be made, and they have to be paid for.
Another large expense was for Mother's Day. Earlier in May we had bought Sweetie a new purse, and for Mother's Day itself treated Sweetie and Lola to a nice dinner at a local restaurant. For the amount of work they do, and for the joy they bring into our lives, spending $200.00 on Sweetie and Lola was a bargain!
The other large part of the expense was our weekend trip to Savannah, Georgia. We stayed at a very nice hotel, (the Westin across the river), and ate two yummy-but-expensive dinners. This was a much needed vacation, so we don't begrudge the cost one bit.
To pay for all this extravagance I had already sold some stocks from our long term savings, which will give us about $7,000.00 with which to pound on this debt. And we know we aren't going to be going on anymore day trips for a while. (Yeah .... it's gonna be a LONG, LONG summer!) So we're enjoying living large while it lasts.
I may never make it as a mustachian hall-of-famer, but I do believe that expenses like this, if they're planned and you're willing to pay the cost, are a good thing. We only live once, (I think), so we need to enjoy our time while we're here. The important thing is to be intelligent about it, and not throw our money away on craps and trifles. Money spent for quality, be it things or experiences, is used wisely.
Saturday, May 2, 2015
Online Income Statement - April/2015
Two things worth noting here:
1. There is no Online Income Statement for March. This is because aside from a teeny affiliate sale on Amazon, I really didn’t make anything.2. The quotes have been removed from around the word “Income” because, thanks to Clickworker/UHRS, I am now actually making some money online. Woo hoo! Yeah, it’s definitely not passive, but maybe passive online income isn’t going to be one of my areas of expertise at the moment, (if ever).
Let’s go through all of my income sources:
Adsense - $5.34 This is an increase of 78¢ from February. Woo hoo.Affiliate Sales - other than Amazon, ZIP, NADA, Goose Eggs, Zed.
It’s becoming apparent to me that I am not the world’s greatest affiliate marketer. I was never any good at sales, even in person. (I once, disastrously, tried to earn a living selling health insurance). I had hoped that “selling online” was somehow different, but maybe “sales is sales”, and I just suck at it?
By the way, my affiliate sales activity is so poor that I was recently contacted by my account manager at A2Ads to see if I am still active. Sad, huh?
Amazon - I earned the whopping sum of $4.80 back in March. This was solely due to a coworker graciously consenting to use my affiliate link when ordering some supplies for the office. So I have made at least one affiliate sale! Woo hoo.
AdFly - Almost 11¢ . Woo hoo. As I get around to it, I’m removing AdFly links from my pages. (I’m lazy - please forgive me!)
LinkBucks - WHO FRIGGIN’ CARES!! Hopefully I’ve gotten rid of every LinkBucks link from my pages. I won’t bother listing these turkeys anymore.
.... and now for the only website worth mentioning:
Clickworker - Two payments to my PayPal account totaling $14.25, along with a pending amount of over $90.00 which hasn’t been disbursed to my PayPal account yet.
Although affiliate marketing sales seem to elude me, I CAN do the tasks on Clickworker/UHRS, and while I won’t earn enough there to change my standard of living, it is enough to help pay off some bills, or pay for a nice dinner once a month for all of us.
Obviously Clickworker is the only website worth bothering with, at least for me. I wrote a quick review of my experiences with it here, “http://buyingnirvana.com/words/clickworker-the-good-the-bad-and-the-ugly/”, and would 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 .
That’s all for the month of April. Let’s see what’s in store for May, and whether my good experiences with Clickworker/UHRS continue, or whether I decide to concentrate instead on Amazon’s MTurk, which I recently signed up for.
Where is the Gratitude?
Something I've noticed in my brief readings of Personal Finance and Financial Independence websites and blogs has been an absence of gratitude*, a failure to acknowledge that we really owe ALL our riches to the Grace of God.** Okay, maybe I haven't read enough, or paid close enough attention, but it sure seems like the overwhelming message out there is that through our own personal effort, we can pull ourselves out of whatever mess we've fallen into, and enter into a state of monetary abundance.
Perhaps this is true. I've worked with a few single mothers who through grit and determination and what I would consider an almost superhuman amount of energy have built a better life for their children and themselves. (Notice that the welfare of the children comes first!) But I've also known people who, as soon as they begin to claw their way out of a bad situation, immediately get hammered again with some awful expense, more often than not medical.
The truth is that if your main worry in life is your debt, or the sorry condition of your retirement savings, how fortunate you are, particularly if you're still healthy! Maybe the FIRST thing we should do when devising a plan to improve our finances is to pray, to offer thanks for all the blessings in our lives, and for the opportunity to even worry about such piddling affairs as credit card debt and 401k or IRA funding.
It's one thing to talk about thankfulness, to say, "Thank you, God, for all you've given me," but it's another thing entirely to actually DO SOMETHING to show your gratitude. I believe that charity, (tithing, helping friends, family, and strangers), is the highest form of gratitude; being able to give to
those in need is indeed a great priviledge.
Many people believe that 10% of our net income should be given to charity, and that this should be our first spending priority. They will also tell you that you will receive back tenfold what you give. Alas! - I can't attest to the truth of this one way or the other, for my charitable giving falls far short of the 10% mark. Too many other expenses is my (flimsy) excuse.
But maybe I have it backwards? Maybe instead of gritting my teeth and arguing with my wife about our credit card spending, I should be concentrating on increasing our charitable giving to the 10% level recommended to people since the beginning of time, (or at least historical records). What if I work on helping others FIRST? Would I really receive back ten times what I gave, and if so, in what form?
It's a huge leap of faith, and I am probably not ready yet myself to take that jump, but paying your "charity accounts" first, before paying any of your other expenses, is a concept I think all of us should think over.
* - Dave Ramsey, of course, is a spectacular exception to this, as is Dan Miller, I believe. Kudos to both of them, and any other blogger who acknowledges Grace/Mercy of some form.
** - by "God", I mean whatever universal purpose it is that drives existence. If it makes you feel more comfortable, substitute the word "God" with "The-Powers-That-Be", "Providence", "Allah", "Jehovah", "The Force", or whatever term you use to refer to the Higher Power that guides our lives.
On the other hand, if you're a devout atheist, well .... good luck!
Perhaps this is true. I've worked with a few single mothers who through grit and determination and what I would consider an almost superhuman amount of energy have built a better life for their children and themselves. (Notice that the welfare of the children comes first!) But I've also known people who, as soon as they begin to claw their way out of a bad situation, immediately get hammered again with some awful expense, more often than not medical.
The truth is that if your main worry in life is your debt, or the sorry condition of your retirement savings, how fortunate you are, particularly if you're still healthy! Maybe the FIRST thing we should do when devising a plan to improve our finances is to pray, to offer thanks for all the blessings in our lives, and for the opportunity to even worry about such piddling affairs as credit card debt and 401k or IRA funding.
It's one thing to talk about thankfulness, to say, "Thank you, God, for all you've given me," but it's another thing entirely to actually DO SOMETHING to show your gratitude. I believe that charity, (tithing, helping friends, family, and strangers), is the highest form of gratitude; being able to give to
those in need is indeed a great priviledge.
Many people believe that 10% of our net income should be given to charity, and that this should be our first spending priority. They will also tell you that you will receive back tenfold what you give. Alas! - I can't attest to the truth of this one way or the other, for my charitable giving falls far short of the 10% mark. Too many other expenses is my (flimsy) excuse.
But maybe I have it backwards? Maybe instead of gritting my teeth and arguing with my wife about our credit card spending, I should be concentrating on increasing our charitable giving to the 10% level recommended to people since the beginning of time, (or at least historical records). What if I work on helping others FIRST? Would I really receive back ten times what I gave, and if so, in what form?
It's a huge leap of faith, and I am probably not ready yet myself to take that jump, but paying your "charity accounts" first, before paying any of your other expenses, is a concept I think all of us should think over.
* - Dave Ramsey, of course, is a spectacular exception to this, as is Dan Miller, I believe. Kudos to both of them, and any other blogger who acknowledges Grace/Mercy of some form.
** - by "God", I mean whatever universal purpose it is that drives existence. If it makes you feel more comfortable, substitute the word "God" with "The-Powers-That-Be", "Providence", "Allah", "Jehovah", "The Force", or whatever term you use to refer to the Higher Power that guides our lives.
On the other hand, if you're a devout atheist, well .... good luck!
Sunday, April 19, 2015
Weekends and Credit Cards, Part 03
Just like nearly every weekend that I can remember since we've had kids, this weekend was a time for shopping, and charging the expense of that shopping to a credit card, (or two).
Whilst strolling through the mall yesterday, we noticed that Gap had a big 50% sale going on for most of their children's clothes. We couldn't pass that up, could we? And later in the afternoon there was a birthday party we had to attend, so we needed to purchase a gift or two. And while at Sam's Club it made sense to buy four boxes of these yummy mangoes:
IMHO these are the best type of mangoes for eating.
My point, (besides showing off our yummy mangoes), is that it's not as easy to not pound the credit card, (or at least spend money), as it sounds.
Today perhaps is a great example.
Sweetie was up most of the night with a sleepless infant, and tired and cranky. Then it rained and rained and rained all morning, well into early afternoon. And the older kid still had a touch of the sniffles that had bothered him so badly Friday and Saturday. So what were we to do?
We decided to go see a movie. Tickets for three adults and one kid, (the infant was free), were $30.00. Popcorn and two drinks cost nearly $20.00. So -- POOF!! -- just like that, we added $50.00 of debt to our running credit card balance.
I suppose the best we can do is be aware of how much we are spending, and where. Life costs money.
Whilst strolling through the mall yesterday, we noticed that Gap had a big 50% sale going on for most of their children's clothes. We couldn't pass that up, could we? And later in the afternoon there was a birthday party we had to attend, so we needed to purchase a gift or two. And while at Sam's Club it made sense to buy four boxes of these yummy mangoes:
IMHO these are the best type of mangoes for eating.
My point, (besides showing off our yummy mangoes), is that it's not as easy to not pound the credit card, (or at least spend money), as it sounds.
Today perhaps is a great example.
Sweetie was up most of the night with a sleepless infant, and tired and cranky. Then it rained and rained and rained all morning, well into early afternoon. And the older kid still had a touch of the sniffles that had bothered him so badly Friday and Saturday. So what were we to do?
We decided to go see a movie. Tickets for three adults and one kid, (the infant was free), were $30.00. Popcorn and two drinks cost nearly $20.00. So -- POOF!! -- just like that, we added $50.00 of debt to our running credit card balance.
I suppose the best we can do is be aware of how much we are spending, and where. Life costs money.
Monday, April 13, 2015
Some Advice From Warren Buffet on Investing and Success
Here is another little parable from the venerable Buffet on Investing and Success.
It's a rough paraphrase from a recent, (12/Mar/2015), talk he gave at the Buffalo, NY GEICO location. (Warren owns GEICO; did you know that?) While I have sliced-and-diced a few of his words, I hope I have kept the essense of what he was communicating intact.
He was answering a question about how to be a successful investor, about how to spot a good investment.
It's a rough paraphrase from a recent, (12/Mar/2015), talk he gave at the Buffalo, NY GEICO location. (Warren owns GEICO; did you know that?) While I have sliced-and-diced a few of his words, I hope I have kept the essense of what he was communicating intact.
He was answering a question about how to be a successful investor, about how to spot a good investment.
"Let's assume
that a situation exists whereby you could pick one person, and have 10% of whatever that person earns
for the rest of his or her life. Who would you pick to invest in?"
"Are
you going to pick the person with the highest IQ you know? No. Are
you going to pick the person who earned the most advanced college
degrees, with the highest grades? No."
"You are going to pick the individual people like to work with the best!"
"What are the qualities of that person whom you are going to buy 10% of?"
"Personable, generous, someone who always does more than their share, and doesn't clamor for credit for the things he or she does."
"Now here is the secret to success ……. BECOME THAT PERSON!"
"You
can also reverse that. What type people would you SELL SHORT 10%?
These are the people you do NOT want to become! (Notice that these
people aren't necessarily dumb, but rather have character defects -
liars, lazy, etc.)"
"You can decide to become successful if you want to, because qualities of character are NOT ordained at birth, but rather are something we choose."
Saturday, April 11, 2015
Weekends and Credit Cards, Part 02
History may not exactly repeat, but future behavior certainly mimics past behavior.
Just like we did a few weeks ago, today we went on a "spending spree" with our Ameican Express credit card. Now I admit that today was special: Lola is coming back to live with us! But still, it would be nice if we could find a way to celebrate, to enrich our experience of being alive, without necessarily spending money.
We easily spent over $450.00, $400 of which went on the credit card. This is bit of a bummer, because after the balance had creeped above $2,000.00, I had scrimped and saved to knock it down to under $1,400.00. Now it's headed back to two grand, and what concerns me is that I know we are in the midst of a roof repair which will pile on another $700.00 or so.
Grrr!!!
But you have to keep these things in perspective.
1. I still have my job, which even though it has run me absolutely ragged the last few weeks, (sporadically working weekends and into the wee hours of the night), is a very nice source of income for our family. (And I was even given a teeny-weeny raise recently!)
2. I've been able to increase my 401K contributions at work to 5%, and in six months, (God willing!), I'll be 60% vested in the employer 401K "match", which fantastically is 10% of my salary.
3. We are all in good health, and my job provides us with excellent health insurance. A bit diminished due to Obama Care, I must confess, but still a very, very good plan, and one that I could never afford on my own.
4. Our condo is still rented out, and the tennent pays on time every month!
5. LOLA IS BACK!! This should help our finances, (we've been eating out a lot recently - besides our extravagant lunch today, we ate dinner out last night), and nerves! With the recent crazy demands of my job, poor Sweetie has been on her own with the two boys all too often.
I want to end this with some links to a few personal finances websites I think are worth reading:
1. http://www.becomingminimalist.com/ - I found out about this website thru http://rockstarfinance.com/, (more on that later!), specifically this entry: http://www.becomingminimalist.com/financial-freedom/ . While I enjoy reading the various "financial independence / quit work early" blogs, I have to admit that I believe this guy has a more constructive attitude towards money and work.
2. http://jlcollinsnh.com/ - I like this blog because the author is an old fart like me! Too many of the personal finance, (particularly the "retire early"), blogs are written by young 'uns who, quite frankly, are at a difference place in life than me, and may have different wants and needs.
3. http://rockstarfinance.com/ - how else are you going to find out about cool sites like http://www.becomingminimalist.com/ without checking this site? I check this site, along with another of J's sites, http://www.budgetsaresexy.com/ , at least every other day or so. Lots and lots of good links here.
Just like we did a few weeks ago, today we went on a "spending spree" with our Ameican Express credit card. Now I admit that today was special: Lola is coming back to live with us! But still, it would be nice if we could find a way to celebrate, to enrich our experience of being alive, without necessarily spending money.
We easily spent over $450.00, $400 of which went on the credit card. This is bit of a bummer, because after the balance had creeped above $2,000.00, I had scrimped and saved to knock it down to under $1,400.00. Now it's headed back to two grand, and what concerns me is that I know we are in the midst of a roof repair which will pile on another $700.00 or so.
Grrr!!!
But you have to keep these things in perspective.
1. I still have my job, which even though it has run me absolutely ragged the last few weeks, (sporadically working weekends and into the wee hours of the night), is a very nice source of income for our family. (And I was even given a teeny-weeny raise recently!)
2. I've been able to increase my 401K contributions at work to 5%, and in six months, (God willing!), I'll be 60% vested in the employer 401K "match", which fantastically is 10% of my salary.
3. We are all in good health, and my job provides us with excellent health insurance. A bit diminished due to Obama Care, I must confess, but still a very, very good plan, and one that I could never afford on my own.
4. Our condo is still rented out, and the tennent pays on time every month!
5. LOLA IS BACK!! This should help our finances, (we've been eating out a lot recently - besides our extravagant lunch today, we ate dinner out last night), and nerves! With the recent crazy demands of my job, poor Sweetie has been on her own with the two boys all too often.
I want to end this with some links to a few personal finances websites I think are worth reading:
1. http://www.becomingminimalist.com/ - I found out about this website thru http://rockstarfinance.com/, (more on that later!), specifically this entry: http://www.becomingminimalist.com/financial-freedom/ . While I enjoy reading the various "financial independence / quit work early" blogs, I have to admit that I believe this guy has a more constructive attitude towards money and work.
2. http://jlcollinsnh.com/ - I like this blog because the author is an old fart like me! Too many of the personal finance, (particularly the "retire early"), blogs are written by young 'uns who, quite frankly, are at a difference place in life than me, and may have different wants and needs.
3. http://rockstarfinance.com/ - how else are you going to find out about cool sites like http://www.becomingminimalist.com/ without checking this site? I check this site, along with another of J's sites, http://www.budgetsaresexy.com/ , at least every other day or so. Lots and lots of good links here.
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