Personal Finance Links – License to be Lazy Edition

Somehow I managed to not write a post here all week. I haven’t been making progress on goals and I’ve actually gone backwards on my losing weight goal. I weigh more now than I did at the beginning of the year. The one positive this week is I did manage to run/walk 5k on the gym treadmill. It took me 42:23 which is a long way from my goal of beating 23:59 but it does at least give me a figure to improve upon. From my past experience in resuming running regularly after a long layoff I know that I should improve quickly for the first month or so but then the improvements will start falling off as my body gets used to running again.

Clever Dude posted about the pitfalls of working from home. I love working at home but doing so has giving me a license to be lazy. With no deadlines and money coming in despite my meager work output I haven’t been too motivated to get more work done. I’m thinking that a part-time job or some other regular activity outside the house might provide me with a spark. I definitely need to do something different.

American Debt Project posted Buy This, Not That: Jesse Pinkman’s Vehicle of Choice. I had to include this since it had a reference to Breaking Bad which is one of my favorite TV series. I could probably do a week’s worth of posts about money lessons to be learned from TV shows and I just might.

The Extra Money Blog is having a $1500 giveaway and more. Your odds of winning a blog giveaway are relatively good so you should give it a shot.

I participated in the Carnival of Personal Finance which was hosted by Money Qanda. I was the host of the Carnival of Retirement at My Retirement Blog.

Elegant Valentines for the Frugal Romantic

Valentine's Day FlowersA friend pointed out that there are plenty of opportunities for cheap Valentines — the most difficult are elegant expressions of your love that also don’t cost much. Here, then, in the spirit of love, are some helpful suggestions:

*Buy flowers, all right — 1-3 of the very best blooms you can find. Roses are the primary stems in the Vase of Love, partly because, for many years in the Language of Flowers, they represented love. You have to be careful on color, though. Red expresses the highest, truest form of love. (It’s no wonder, then, that red roses are hands down the primary flower of Valentine’s Day.) Pink roses are maternal love. White means purity; peach, sophistication. But yellow? Watch out for that one. It signifies suspicion and treachery. It wasn’t until the 20th century (with the love of the American Florists Association) that yellow came to stand for friendship.

Buy your flowers loose, and wrap in colored tissue. Most women already have more than their share of the cheesy vases and baskets flower arrangements normally come in.

*Don’t forget other sweets besides chocolates. Cupcakes are one of today’s biggest trends — they can be personalized (“I love you, cupcake!”) and only cost a buck or so. If you’re getting chocolates, a small box of the very best will say as much — or more — than a five-pound offering of mediocre chocolates. (Important: find out if he/she prefers milk or dark chocolate. Nearly everyone has a strong preference.)

*If you’re a guy, make her a meal. As a red-blooded woman, I cannot emphasize how sexy this is. Husband courted me this way — the first and only one to do so. It didn’t hurt his cause at all! Add a good bottle of wine, excellent coffee and some chocolate for dessert, and she’ll be putty in your hands.

*If you’re a woman, make him a meal. Choose his very favorite foods. Not yours — his. Use the best ingredients possible. (Guys, this isn’t a bad idea for your loverbuns, either.) Feed the kids, and send them to bed — or in their rooms to play. (Put on a video, and/or award prizes all around if they stay there for the whole meal.) Arrange your dishes on the deck — or if that’s frozen over, by the fire.

*No time to cook? Have coffee and dessert at the nicest, darkest restaurant you can find. Ask to be seated near the fire, or a window overlooking the view. If it’s dark, raining or snowing, score an extra point for your side. (For really broke romantics, coffee alone will do.)

And don’t forget those three little words. Spoken with feeling, they’ll be the most meaningful in the world:

  “I love you.”

This post is by staff writer Cindy Brick. Cindy is a quilting expert with several published books on the subject and has also had many published articles on a variety of subjects. You can visit her business website at CindyBrick.com or visit her personal blog.

Online Income Report – January 2012

Here is a breakdown of my online income for January 2012.

Google Adsense – $362.75

Affiliate Income – $708.89

Brokered Ads – $62.24

Direct Ads- $3396.17

Total – $4530.05

My online income was up quite a bit this month which was a pleasant surprise. The addition of Investorz Blog plus a larger than normal amount of affiliate income was responsible for most of the increase. I’m still making about 95% of my affiliate income from Bank Bonuses, if I can start making some decent affiliate income from Investorz Blog and My Retirement Blog as well then I should start making $1000 a month from affiliate income.

Some people are wanting to know about my expenses. My biggest expense is the 25% commission I pay on most of my ads. That was about $500 last month. I don’t worry about this expense because it only goes up when my income goes up. Other than that last month I spent $20 for some writing, $10 for carnival submissions, and $5 on Fiverr to have Investorz Blog moved to my new host. I’m going to pay for more staff writing this month but otherwise my expenses shouldn’t go up. Other than that my expenses are pretty minimal.

January Income – $3980.43

Here is a breakdown of my income for January.

Online Income

$3854.55

Interest

$3.93

Stock Dividends

$32.75

Cash Back

$89.20

Total

$3980.43

January was another great month for income.  My acquisition of Investorz Blog in December helped boost my online income.  If it continues to earn at the same rate I should have the blog purchase paid off in a few months. My sources of income are not too diversified since almost all of my income is online income.  However, my online income comes from several sites and from several different sources so the online income itself is quite diversified. I do plan on selling off some stuff this month but it won’t add much to my overall income.

January Expenses – $2106.65

Here is a breakdown of our expenses for January.

Household

$589.88

Entertainment

$81.62

Transportation

$225.65

Food

$455.33

Cable/Internet

$65.38

Phone

$99.90

Electric

$92.35

Health

$496.54

Total

$2106.65

Expenses were lower in January than in December but still not quite as low as I would like. Our health expenses were high because I paid for a six-month health insurance policy upfront and we joined a fitness center.  The other area we can improve on is food.  We didn’t eat out too much but we spent over $300 in groceries.  About $60 was spent on a package of all natural meat.  It is good meat but I’m not sure if it is within our budget.  We are planning out our grocery purchases in advance this month which I hope will save us some money. It might even save us enough to continue to buy all natural meat.  Our other expenses will likely be about the same this month as before.