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Posts tagged with: barter

Great News and Advice Needed

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I found out yesterday that the unemployment audit has been decided in my favor! Win!

I will receive 14 weeks of unemployment benefits. I will also be offered COBRA insurance and anything else that employees receive when they are let go.  Details to come once I know them.

That being said, there are still some processes the Department of Labor must go through to finalize everything. I don’t have a timeline for when I will receive any money, but it will be a bulk payment since my 14 weeks have past.

My closest guess is that I will receive $330 per week x 14 weeks = $4,620.*

Advice Needed

How do I allocate the money? Do I focus on debt? Do I focus on getting ahead on monthly obligations?

My thoughts have run the gamut. But here are what I’m leaning toward as my priorities:

  • Get ahead one month on the monthly obligations.
  • Budget $x toward business expenses, specifically to join the local Chamber of Commerce ($190,) print up some post card sized flyers to hand out as I network and place a couple of ads in the local newspaper ($66 per week.)
  • Put $400 in a slush fund for the summer.
  • Pay down debt?

To be fully informed, I have just under enough to cover the deficit left by my limited income for two more months. I would like to leave it intact. That is the reason why I have not designated any money towards savings in my plan.

So tell me, what are your thoughts? I am listening and wide open. Getting a plan in place before I have the money in hand will make all the difference.

*I have requested that taxes be taken out of the unemployment benefit payout. I’m not sure what rate that will be.

Just a sidenote…I have worked out a barter with Princess’ travel volleyball team for next season. I will be taking over their website and communications in exchange for all fees including tournament, training and uniform costs!  Travel volleyball will only cost us travel costs next season! Woot, woot!


Barter Win – Homeschool Tuition

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Sorry, I was MIA last week.  I woke up last Wednesday just simply overwhelmed at the amount of work I/we still had to get done and facing working both jobs plus approximately 3 hours in the car with kid chauffeuring duties.  I made an executive decision and called in to my part time job and then got all the kids up super early and got down to business.  That day turned the corner for me in terms of this move and now I’m in a much better place mentally!  There is definitely something to be said for “mental health” days, that’s for sure.

So moving past that I wanted to tell about a recent financial win.  As I have mentioned I barter for almost all of my kids activities.  But one thing I’ve never been able to to barter for was our homeschool co op tuition, and this year with four kids going it was over $2000.  Ugh!  This is the first year that I’ve had all four homeschooling year round so the first time for this large of a bill.  Not to mention the older two are taking more advanced, thus more expensive courses.

Typically my little one’s dad comes up with at least 1/2 of theirs, but this year he is in a transition phase and is short on money.  He did help but nearly so much as he normally does.  (Note: We do not have a formal financial arrangement of any kind.  I tell him when the kids need things and if he can, and most of the time he can, he helps out.  I have no complaints at all about his contribution and while it is not viewed as the traditional child support arrangement it works for us and takes the financial stress out of an already stressful relationship.)

So I was facing a really large bill at an already stressful time.  (This tuition is lumped into the monthly line item of my budget of Kid’s Activities in case you were wondering.)  Ok, so what to do.  Well, as you know, we are minimizing like no body’s business over here.  Our garage sale was an overwhelming success and I have been advertising on Facebook and Craigslist, etc.  So my win…

One of the teachers who teaches three of my children year long just so happened to need a couple of pieces of furniture that I had…and voila, like that a barter deal was worked out, my furniture for a full years tuition for 3 children, 1 class each…SCORE!  For those who want numbers this equates to about $600 in tuition.  SCORE!


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