Finances, Budgeting

July 14, 2008

This Mom Blogger Brought to You by...

For the most part, this blog is powered by coffee.  Lots and lots of coffee.  coffeewindow And I would be remiss to forget the toddler kisses.  Every post is hammered out with the chime of "I sit with you, Mom!" in the background.  Most paragraphs have "aczqfqqqq" in them at one point or another as little toddler feet get situated on my lap while I type.

I don't have daycare.  I don't have a nanny.  I run this muth' from home, in a semi-undressed state, with dishes in the sink and two little boys hanging from my limbs.  And I wouldn't have it any other way.

Okay, I would like a housekeeper and to have our babysitter come in a few times a week, but I'm working on that.  Unfortunately, both like to be paid in cash rather than flowery prose, and I'm short on one and long on the other.

When you make the choice to stay at home rather than rake in the paychecks from an office outside of the home, you also make the choice to accept a handful of compromises.  Not the least of which is a distinct lack of disposable income.  So, if you are a stay-at-home mom with an internet connection, you figure out ways to make that work for you.  Because, you know, we are made of time and bon-bons here.

A few months ago, I bought my pass to the annual BlogHer blogging blogherReach conference with a credit card that I literally had to wipe the dust from before I used it.  I knew that I'd also have to come up with money to pay for a flight from Gulfport, Mississippi to San Francisco, California, as well as pay for a handful of nights in a hotel room.  I did not have the money to pay for any of this.

In short, I was doing a bit of "fake it til you make it."  In fact, I've been faking that I could even go to BlogHer every single moment of the planning process for The People's Party.  Kevin Costner and Ray Liotta swear that if you build it, they will come...  so that works with blogging, too, right?

Arianne says that "to think is to create."  Let's see how far we can take that theory...

I do not advocate using credit cards other than for emergencies, but I was tired of my desktop crashing and needed a computer.  After this final crash, it was still in the geek shop going on almost a month.  This was not working for this blogger here, as I was simultaneously trying to launch an online magazine and attend to the needs of sponsors and party guests on their way to BlogHer with eyes set on free drinks and fun music.  I needed a reliable computer.

Sometimes it just takes being at the right place at the right time for the digital 1's and 0's to align into stars.

While looking for a replacement TV and trying to not look shocked that TVs cost a minimum of $300 now, I wandered into the laptop section of our local Best Buy.  All I was trying to do was buy myself some time and distance from the TV sales clerk so I could slip out the door empty-handed.  And then...  I fell in love.

I've never used a laptop before.  I knew that they contained some kind of magical device that would let you work online from the comfort of your couch or backyard or bathroom floor, but I had never experienced such geek bliss.  I never knew what I was missing, people.  Why didn't you tell me?hppavilion

While wandering the laptop aisles, a glossy 17" screen and full size keyboard caught my eye.  Encouraged by a surprisingly low price tag, I dared touch this magical piece of technology called "HP Pavilion."  It was like...  mmmmmagic.

The click of the keyboard!  The width of the screen promising multiple windows open at the same time!  The spajillions of gigabytes of hard drive!  She must be mine! 

And so she is.  I sit here now, on my couch, with babies by my side, tickling little toes into my leg and smooshing soft kisses on my cheek, all the while typing away like there's no tomorrow and editing hasn't been invented, yet.

Arianne says "to think is to create."  She also says, "Ask for what you need.  Ask for help."

And so I did.  Armed with my new laptop and productivity to put Martha Stewart to shame, I asked for help to get to BlogHer.  You won't believe who answered the call...

HP.

hp With the help of HP, I am going to BlogHer with just enough sponsorship that I won't have to sell my liver in order to pay the credit card bill.  Which is a good thing because I plan to put my liver through its paces at the parties this week.

The funny thing is, this is not the first time HP has reached out to me. 

A few nights after Hurricane Katrina, after evacuating with only a few days' worth of clothes and a couple of photo albums, I sat down at a relative's computer and visited Snapfish, which had only recently joined up with HP.  We had bought a digital camera only a few months before and I had made a habit of immediately uploading every photo we took of our new baby to Snapfish, you know, just in case.

As it turned out, Snapfish was the only insurance policy that would be paying out for quite a while.snapfish

I sat and marveled at photos of our home, at the things that had made up our lives and were now marinating at the bottom of the Gulf of Mexico.  I sat and thanked all that was good and all that was foresight for the fact that I had used Snapfish to store our photos.

And then I wrote them a letter.  And I told them just that.

What followed was a handful of months of correspondence between me, Snapfish, and their parent company, HP.  In the days after Katrina, everyone wanted a face to put with the disaster, and I provided a face.  I provided a story.  I also provided an outlet for their desire to help.

Shortly after I shared my late-night story of gratitude with Snapfish, they extended an offer to all of their customers on the Gulf Coast, issuing enough credits to enable all of us to reprint every single photo we had stored with Snapfish.

HP gave us something to hold in our hands during a time when most of us had nothing to hold other than each other.

Now, almost three years later, they are helping me again.  Thank you, HP.

So, I will be at BlogHer and I'll be there with a fancy new HP Pavilion laptop.  You'll be able to spot me because I'll be toting that laptop in one of the few cool laptop totes I could find that would fit a 17" screen. 

Just look at this awesome laptop tote I found from Janine King Designs janinekingtoteon etsy!   It is simply...  me.  And because I am a dolt and despite the fact that I know better, that snazzy designer was willing to do a rush job for me and deliver my tote before I left for BlogHer, even though she clearly spells out her delivery times in her policies.

Real people.  This blog is powered by real people.  Real people that pay attention to their customers and attend to their needs as much as they can.

There was a bit of a ruckus recently when someone somewhere complained that some of our blogs have just become link blogs with very little content.  I disagree.  I say that our blogs have broken out of our heads and our asses (where our heads reside most of the time) and acknowledge the people that keep these exercises in ego running.  We can't always do it all by ourselves.

Sometimes we need to ask for help.  And we are nothing but gracious when those calls are answered.

With that, allow me to take one more moment of your time and two more clicks of your mouse and introduce you to the two newest sponsors of The People's Party:

 

5m4m-125x125-1   consumerpop_button
 

 

Most of you already know 5 Minutes for Mom, as it was the first stop in mom blogs for most of us starting out.  They have a gorgeous new design and a handful of new sister sites, so if you haven't been there lately, do check it out.

A new service that you may not be familiar with, though, is Consumer Pop.  A new marketing consultation and blogger concierge service, Consumer Pop helps you build, as well as understand, your brand, offering dynamic approaches to reaching out to your audience and satisfying their needs.  They are new on the scene and would love to tell you more about what they can do for you so that you can do more for your audience!

...So that's it for me for a couple of days.  On Tuesday and Wednesday, I'll have guest posts from two of our sponsors of The People's Party and I PeoplesPartyGoingBadge sincerely encourage you to stop by and get to know them.  Learn what they are about, why they are going to BlogHer, and how they can work with you, regardless of whether or not you are going to BlogHer.

Then?  Well, then I won't talk about BlogHer much other than perhaps a round-up of the weekend and what I may or may not have learned.  Oh yeah, and very possibly some photographs of The Bloggess licking motherbumper

At the very least, stop by on Thursday for a link to the live feed of The People's Party.  I'll be sending shout-outs to you, in particular, so you won't want to miss it!

Now...  reach out and connect.  Ask yourself what you need and go make it happen.  After all, to think is to create... 

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April 15, 2008

Sparkplugging Launches from eMoms at Home Roots

Congratulations to Wendy Piersall, known by many followers as eMom, for the relaunch and rebranding of eMoms at Home as...

Sparkpluggingbanner_2

Once again, I am proud to be a part of this dynamic network, as I will be continuing my eBay channel at Sparkplugging.  Just as soon as I reopen my eBay storeAhem.  Hello, family budget restructuring.

This time around, however, I will be co-authoring the channel with the owner of Nitro Toys, Kristie McDonald.  For all of you that read my eBay Selling for eParents channel, you'll know that I more than welcome the company.  Knowing when to ask for help, particularly for those of us that stretch ourselves too thin on occasion, is a key to success.  That lesson crystallized recently while watching Wendy navigate this rebranding process.  So, Kristie...  help!  ;)

By the way, I fully expect Kristie to be the star of our eCommerce channel.  Get ready.

Emomssparkplugging Read more about the process of changing eMoms into Sparkplugging,  get to know the new Sparkplugging writers, and check back every Monday for the launch of even more Sparkplugging channels.

Darren Rowse from ProBlogger offers an excellent interview with Wendy on the eMoms to Sparkplugging rebranding, as well.   I didn't know half of the behind-the-scenes details included in this piece.  I loved it, so you read it, too.

In the meantime, our eCommerce channel will be launching soon so keep checking back!

Again, congratulations, Wendy!  You have done a stellar job.

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April 12, 2008

Less Than Zero

Answertipsembed_2

We ran out of money yesterday.

Just plumb ran out.

Piggybankemptying_2 I know my husband won't like me writing about this, but I also know how much comfort I find in reading about the non-June Cleaver-esque lives of so many other moms online.  I know that shining light on the reality of today's family is a healthy thing, albeit painful.

So, yeah, we ran out of money.  Ever happen to you?

We usually keep enough cash in our checking account to cover two months' bills, then another three months' worth holed up in an online savings account that is none too easy to access.  In addition to that, I have our checking account backed up with an overdraft plan that bleeds over to a credit card, just in case.

We'll see just how effectively that overdraft plan works now, won't we?  Man, I want to be sick.

How did this happen?  It's actually quite simple. 

We had a handful of unusual expenses this month, including paying to have the interior of our house painted.  Usually, I do that kind of thing myself, but I've never tried it with two toddlers hanging off of the ladder beneath me, so I only made it as far as the bedrooms and one bathroom before I had to hire professional help.  That professional help asked to be paid before the job was finished (I know, I know) and when he went to cash the check yesterday, the bank wouldn't honor it.

Because there was no money in the account.  Less than no money.

What the? 

I checked our account online and was surprised to see that two automatic deposits that should have posted had failed to post.  What would have cushioned our account with a reasonable amount of money had failed to appear, leaving us caught having cut it far too close this month.

And that is the point.  Not that two deposits didn't show up, but that I let us get into a situation where two deposits not showing up could leave us in the red.  Literally.  There is red color glaring at me from my account balance page.

Good grief.

So I now find myself spending my weekend readjusting our budget and reassessing our financial lives.  Hunting down all of our latte factors and fighting every tendency to reconsider our choice for me to be a stay-at-home mom, although sometimes I think I do qualify as a work-at-home mom.

Sacrifices are to be made.  The altar is being readied.  I am just doing my best to keep myself from donning the virginal white dress and being the sacrifice.

The irony is that this pinch actually feels good.

With cash in our wallets for everyday expenses having been replaced by a debit card, Vintagepiggy I think we lose sight of how much money we are spending day in and day out.  For a while now, I have been considering creating "cash envelopes" designated for specific weekly expenses, like my husband's work lunches or my all-too-frequent stops at Sonic for a Diet Coke with cranberry juice.  Or, even more effective, an envelope of a very specific amount of cash to take to the grocery store.

I can't even imagine going to the grocery store with a strict budget in mind.  Perhaps arriving at the checkout and not being able to pay for that extra box of cereal bars would open my eyes.

Therefore, I sort of welcome wake-up calls such as this.  Yes, it is painful.  It is absolutely embarrassing.  But we have made it through much worse than this and we will learn from it.  I insist on that.

But, in the meantime, this so sucks.  I am dreading opening up all of my budget files and analyzing where our money has been going.  I am fearful of the almost-certain realization that we are spending too much.  I hate admitting when I've made a mistake.  Yeah, I'm that girl.

And I've made a mistake.

Blog Awards Winner

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Related Posts:

I Am a Have but I Happen to Have Not

Hierarchy of Suffering.  Who wins?

 

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