#had2save

I am in the process of Selling my home (beyond the process I guess, we are in the middle of closing escrow!!! Woohoo!!!) I’ll be honest, it took 4 days to sell my home, so I hope what I’m saying doesn’t sound like a complaint, this entire entry should be the complaint, ha, ha, just kidding- kinda. My home is smaller then my next home (which is also in process, 3 weeks!!) but it doesn’t lack comfort. Although I have never been a true fan of this particular home, it has allowed us to experience a lot of family-like ‘adventures’ (don’t worry, you’ll hear about some of those sometime in the future). My new home is sitting pretty on 4 and a half acres of clean, flat land! My home has enough bedrooms for EVERYONE to have their own space! This next home is a blessing that I can never describe with all the words in the world. Not only is it gorgeous, but thanks to the help of my parents, I got it all on my own! All they really did was sign, but I managed to save, fix my credit and get approved all on my own. Being grateful doesn't even begin to compare to the actual feeling! What did I do to accomplish that? Refused to let anyone convince me that NO was an option. 

There are 3 things I’ve said to my kids more then necessary. 1. Quiting is not an option 2. Being rich doesn’t mean your successful 3. Always be of service to people

What do I do for a living? You’d be surprised how many people actually thought I was involved in something illegal... no, really... You’d be surprised! It’s gotten so old that now all I do is smile and nod. I’m not telling you this to make anyone think I’m showing off, no, it’s not about that. I don’t like to struggle, I hate to work, and I don’t understand financial technical terms like dows and percentage and whatever other fancy words they wanna use to shine up the real process. Let me tell you what I did, but first let me give you the scale in which it’s impacted my family. 

I grew up with working parents, both held full time jobs, their own businesses, investments, and had the ability to raise my siblings and I with the little luxuries we wanted (the occasional toys r’ us runs, little things like that). They were financial STABLE, but not rich. They opened their own business about 10 years ago and now both are worth about 3 million each, or so says their business person. I saw first hand the struggle my parents went through when they started up their business, my mom even said that there was a handful of times that they didn’t even have money to buy us food. But when success came for them, it came fast! 

When I turned 16 I took a dab at DJ-ing. Yes, I really was THAT cool back then! I did that for about 4 years. I worked for an actual radio station when I was 17 1/2, I did all their overnight programming and special events. At 18 at these big events I thought I was at the top of everything! My paychecks I spent on myself! All of it! Every dime. It was as through I was allergic to money and needed to spend it quicker then when I got it. My dad then brought it to my attention about my non-existent money management skills. He was right. What was my solution? Open a savings account? No, I’d still spend it. Save hard cold cash? Nope, I’d spend that too. I had to do something. At 18 money beckoned me. I decided to start doing side jobs; weddings, quinceaneras, anything! All that money I’d hand over to my dad and asked him not to give me a dime no matter what I tell him. WHO KNOW HE WOULD TAKE THAT SO LITERALLY! But it worked, I would save about 2800 every month, give or take. And some months he wouldn’t see anything- com’on! I had to have a life too! At 18 I graduated High School and started school to get my nursing degree. At age 20, with only 10 months left to graduate I got pregnant. I worked as long as I could and tried to do as much in school, I didn’t want to be a statistic! I will not be a number on the ‘’lets blame the baby’’ list! I was determined. AND I FINISHED! Once my baby was born I quit the radio station because it was more important for me to be with him then to be in clubs at night. After he turned 1 I decided to get into my field. I was lucky and got into an ER right away. It was exciting, super fast paced! The problem was the 12 hour shifts! I wasn’t being a baby... I wanted to be with my baby. While I worked there I continued to give my dad cash to hold, it wasn’t as much as before (because raising a baby comes with extra costs). But it was imperative that I saved because now my fear was providing for my child. But the hours were tough, mentally and physically, I went part time after 3 years. One day I had a patient that completely changed my life. PUT A PIN IN THAT!!!! He’s worth the story! Anyway this patient ended up influencing me way more then I could have hoped for! This man was put in my path for a reason. 

Closer to today: Last year I asked my dad how much I had finally saved. I never asked him because I was worried I’d be tempted to use it wrongly. Mind you, this was a savings I have accrewed over a span of about 22 years. I never kept track, I never wrote it down. This money had to be OUT OF SIGHT AND OUT OF MIND. I saved $264,464.10, that means I managed to save almost 12,000 a year! A little over $1,000 month! AGAIN!!!!! I didn’t do it religiously! I remember when the $0.10 happened: I TOLD YOU! Sometimes I wasnt able to, but my system was the following: I would carry $60.00 in cash every week on me for any little thing we might want, eating out, treats, toys, medicine, etc. A WEEK! That number went up when I had more people around me. I kept 1,000 in my bank account after bills at all times (this was also never garenteed: THESE BILLS CAN GET A LITTLE OUT OF HAND! If I had over 1,000, I would withdrawl and give it to my dad, no matter the amount. All the change that was under $5 (bill) I would save in an envelope I kept in my dresser and would seal and turn that change over to my dad at the end of the month (that change adds up QUICK!). Any extra cash- tax refunds, these stimulus... it is wasn’t I always had like a paycheck, it was considered extra and I would send it on its way. HOWEVER!!!!! YES I’VE BEEN TEMPTED! I STILL HAVE THAT TEMPTATION! My dad said to invest it to make money on it. Yea, that’s nice but no. I’m too impatient to wait for someone else to put my money to work. Well, I guess I kinda ate those words: here’s what I did. I have a close family friend who has tons of friends all of which could use a job. I made 3 businesses with $10,000 each. THIS WAS A STRETCH! But it’s do-able for WAY LESS!!! I just couldn’t help over buying, geez! 

Long story short, I started a gardening company. I do nothing but cover costs and pay wages. I collect on that and let me tell you- AMAZING. If you intend to do this let me disclose the following: People can be shitty! People CAN steal from you especially is the customers pay cash. PAY YOUR WORKERS WELL AND THEY WILL TREAT YOU WELL! I supply them with the extras. My kids fill refrigerators with snacks and waters or sodas. We supply uniforms at no cost, they get paid time off of two weeks, and rain or shine they get their salary! My son also said MOBILE CAR WASH is good too! There we went, now him and his friend run that truck. They make money, I make money. The 3rd one is a Pool Cleaning Service. This one was a little work because most people with pools have friend references. But this actually holds up pretty good. All three trucks are on my property by 8 pm, my son will fill the tanks, check the interiors, and supplies for the next pick up date. It works out. 

Doing this has allowed me to stay home with my kids. I have been a house mom for the last 8 years. And now, I’m buying my 4 acre property! Thank God! 

It’s tough, especially because I like expensive things! I love to spend, I love to travel. And believe it or not, I was still able to.