Work-From-Home Jobs are REAL!

Some work-from home jobs are SCAMS! But there are plenty that aren’t either. I have tried out many, so I could offer you all a definitive list of LEGITIMATE opportunities to work from home. You could do what I do, which is number 1 on this list, and I will describe my quick journey to getting my voice out there, and I will follow that with plenty more opportunities. Some are general jobs and some are companies with lots of work-from home options. Some you may be qualified for, and others not, but knowing the right places to look is half the battle.

  1. Blogger- Anyone can be a blogger, but the profits generally come after a bit of time, and a little trial-and-error. I will have a course shortly to cut down on the latter. I would say, for starters, get a word press account and put up a blog-post-a-day. Write about something that actually interests you. If you can keep this up WITHOUT income, you’ll be able to maintain it and input even more once its monetized.
  2. Apple At-Home Chat Advisor- There are a bunch of these jobs, and Apple is a fantastic company. The pay is better than a lot of at-home gigs AND its typing not phone calls as far as the customers are concerned, which means you could still do your work even if you got sick and lost your voice. Sweet deal, but you will have a bit of competition for one of these coveted spots.
  3. UnitedHealth Group- The majority of these jobs ask for previous healthcare experience, however there are a bunch that do not. The company has been around a while and they have a good reputation. Watch out for similarly named companies when you are searching for careers. UnitedHealth Group, is a provider of actual at-home careers, so you can make real money with them.
  4. CyberCoders- Learn a language (and I don’t mean Spanish or French, though foreign languages can be fun). If you learn a coding language like Ruby on Rails, or Linux or really any, there is a job for you, if you can do web design using Drupal, you are in a winning position. You will need to build some experience to get in with a company like this, but these jobs can ALL be done freelance for between $40 and $100 an hour (working for yourself) and then you can go to them later so you will no longer need to hunt down your own clients.
  5. Enterprise Rent-a-Car- This is a good way to make a decent hourly wage without leaving your home. You need a setup for phone as well as a solid computer and internet connection, but this is a reputable company that will pay you regularly
  6. Amazon- For $40 a month, you can sell on Amazon. If you have a blog, you can add them as an affiliate (I will discuss this more in the future and in great detail for my course). There is also something called fulfillment by Amazon, which I will also go into in more detail at some point in the next couple of days. At the end of the day though, Amazon has a lot of opportunities to make money.
  7. Ebay Seller- Ebay allows you to list very inexpensively without having a store. Additionally, they regularly run promotions to “list fifty items for free”, which is a great opportunity to unload unwanted items and get some extra money (which could be used at a thrift store or swap meet to invest in new stuff to sell)
  8. Etsy Retailer- If you have a craft or even have a flair for finding cool vintage items, you can sell on Etsy. The site has a HUGE following and a lot of income potential. I will also spend some time digging further into making Etsy work at some point this week.
  9. Dog-Walker- Everyone with a dog (or even a cat) and a job that keeps them away long days, could use a dog walker. A little networking and perhaps a Craigslist ad, and you could be well on your way to making a really decent living dog-walking. This tends to be most lucrative in bigger cities, but I think you’d be hard-pressed to find any city/ town where there was no one in need of this service… and what an awesome job. Doggie, Exercise and a paycheck!
  10. Child-care provider- If you have a home with a little space, this can be a great way to make money. You WILL need to check with local laws regarding number of children in a person’s care, but this is a great career. Especially, if you already have a wee one of your own at home. You get to hang out with your own kid… the kids get a play pal, AND you again, get a paycheck. If your state allows three children per adult and you have only one of your own at home, you could take on two additional kids… this could mean $1600-2200 a month, depending on your location and the child’s age.
  11. Online Tutor- There are legit sites and other less legit sites. I will go into online teaching and tutoring sites early next week.
  12. AIFS-Placement coordinator for Exchange Students- This is a legit program. You find homes for exchange students in your area to stay at, the company has a good track record, and the pay is decent, however not “full-time income”. I was do a call back, because I “signed up for a phone interview” and they NEVER called me… they also never responded to my follow-up email. The company checks out, but it may take some contact to get someone to let you through the front door.
  13. Local “makeup lady” you can substitute makeup for so many things, I’ll get into that. – Mary Kay, Avon, Tupperware, Pure Romance, even Cutco… these are companies that have been around a while. They have a pretty good reputation (though the last can have a bigger time commitment, and at the one I went to at age 18, was a little “cult-like” At the end of the day, all of these will pay you what you’re do, however, and the kit to start is a great value for the cost.
  14. Insurance Sales Person- This is another career where you need to be careful in selecting the company. Look up reviews for the company on a site like Glassdoor, and read the reviews thoroughly. I usually only look at the negative, not because I am being negative, but because I am looking for trends. These jobs tend to have an office component, but many allow at least some home-based work. Next, do NOT pay for insurance licensing. If the company is legit and feels you are worthy of working for them (ie, they’re not just doing a cattle call), they will pay for the licensing.

There are companies out there that are NOT legit too. If you are asked to buy ANYTHING, do not do it, unless its for something like Mary Kay or Avon or another selling gig where you’re at least getting bargain products even if you don’t enjoy the work.

Never:

  • Pay for classes from a potential employer
  • Pay for insurance licensing… a REPUTABLE company that is interested in you will PAY for the licensing themselves. There are a lot of SCAMS out there, and them asking for YOUR money is a HUGE… RED… FLAG!!!! They often will say something like “its how we tell if you’re serious about the work” or “we don’t want to waste money on someone who’s not staying” All of these things let you know that likely, people don’t want to stay with them.
  • Give out your personal information to a company without having a job offer, and without checking to make sure the company is legit FIRST.
  • Move for a new job without meeting someone from the employer or seeing a physical office in advance.

 

 

 

 

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Organize Your Life. Part II

So if you’ve completed Part I of this series, you are already doing GREAT! But this next step is what will really help you to keep the progress you’ve made AND will help to give you a regimen for staying organized without it seeming like any more work. For this next step there are things you should buy, but many items, too, that you may find and a second hand store or even find already in your home.

I recommend going through this list, and looking for these things in your home first, before bringing anything new into your home.

  1. Tension Rods (1-4)
  2. Show boxes (the kind that comes with the shoes)
  3. Plastic shoe boxes (often available at the dollar store)
  4. Magazine holders (or Medium priority mail boxes (cutting tutorial to come)
  5. Scissors (good scissors)
  6. X-Acto knife
  7. Jars (if you haven’t already saved any, the next time you make pasta with sauce from a jar, save the jar), but don’t obtain more than you need, it will just encourage you to buy something to put in it, or to save something you already have, because you have a container, whether you need it or not.
  8. Plastic Page Protectors
  9. A Binder
  10. Dry Erase Marker
  11. Printouts for the Binder (I will have these available for printing, shortly)

Okay, so my first recommendation for this project would be to put out all of these things on a table.. its not permanent, but having the reminder in front of you could help you to complete it quickly. If you only have certain things from around the house, start with those, and utilize them BEFORE you bring anything new into your home…. you don’t need everything right this second, but for today, use what you already have on hand.

Here are some of the uses for each of the items listed above:

 

  • Tension Rods

    • If you have one tension rod, great, but if you have two, all-the-better, and so on until about four, after that, if you’re not using them for curtains, you may have too many.
    • I recommend taking two if you have them and put them one in front of the other under your kitchen sink. Then you can have two rows. Take ALL of your sprayer cleaning bottles with handles and put the handles over the rods, whether bathroom or kitchen cleaners doesn’t matter, keep all of your non-laundry household cleaners in one place and you’ll get into a routine of putting everything in a dedicated location
    • Screen Shot 2016-03-04 at 1.23.41 AM
  • Shoe boxes

    • Shoe boxes have a myriad of purposes, but I enjoy using the cardboard ones to cut up and organize drawers with small stuff, such as scarves/ underwear/ socks/ pantyhose… you get the idea. I cut them so they’re still 3-dimensional, and then the sit upright on their own (tutorials to come). These shoe boxes are great uncut for photos, receipts, and vital records, I also keep on for small craft projects so I can bring it out to make something and easily put it away afterwards.
  • Plastic shoe boxes

    • These are great for beneath the bathroom sink as well as for crafting projects. I put a different craft in each box, and store ones that might be seasonal in these clear, waterproof boxes, so I can see the contents without opening a thing.
    • Plastic shoe boxes are also handy in the garage, a big enough shelf could house plenty of these, and they eliminate small clutter from the rest of the home.
    • Screen Shot 2016-03-04 at 1.24.35 AM
  • Magazine holders

    • Magazine holders are awesome. I will include a tutorial on how to make your own in the near future, too. These are great for too many things to count, which is a good reason to make a few yourself out of boxes you may already have lying around.
    • You can hook a magazine rack to the inside of a cabinet door, and put saran wrap, aluminum foil, parchment paper, wax paper in it. Then, it is no longer taking up drawer space, which might better be utilized in another way.
    • In the cabinet where you put sports bottles, lie one with its long side flat to the shelf you sit it on and lay the bottles flat, one on top of another. You will fit more this way, and short shelves wont affect your ability to keep tall items on hand.
    • Screen Shot 2016-03-04 at 1.25.25 AM
  • Nice scissors or an X-Acto knife

    • To cut your own boxes for magazine holders, you will need something that can cut a straight line. Either of these items is a valuable addition to your home. You should have one nice pair in the same location everyday, so that they are accessible any time.
    • Screen Shot 2016-03-04 at 1.26.23 AM
  • Jars

    • I love jars for primarily two locations; the pantry and the garage. You do not need fancy jars, simply jars with lids. If you ever purchase baby food or pasta sauce in a jar, you’ll never need to spend a dime. I love affixing the metal lids to the bottom of a shelf for the garage. This allows you to not take up shelf space, which in a garage could be used a valuable work-space. This will keep your garage looking nice too, so you won’t have garage shame when you open the door. Garage Shame is real, but you don’t need to be a victim.
    • Jars are great in the pantry, because you can see what you have easily, and it can help many items to keep for longer as well. Large jars can have smaller ones stacked on top of them, and they just look nicer than a cluttered heap of bags. I put pasta and rice and beans in these straight from the grocery store, and then I recycle the clutter immediately. Advance prep saves me lots of time in the long run.
    • Screen Shot 2016-03-04 at 1.27.19 AM
  • Plastic Page Protectors & Binders & Dry Erase marker

    • Plastic page protectors are pretty awesome. I get the photo quality ones, so the pages inside keep longer, too. I use one binder for house stuff. I keep cleaning schedules and grocery lists and recipes, and yearly household goals all-in-ONE. I keep photos for scrap-booking in another. The acid free pages mean I don’t need to worry about the photos becoming damaged until I can get them safely into a more permanent location.
    • Cleaning Schedules. and recipes are great in these, because I can use a dry-erase marker to cross out what I’ve done (0n the plastic protector page), and when I’ve completed the tasks on the list, or used the ingredients, I can simply wipe off the plastic so its ready for next time. These tasks may seem daunting or time-consuming, but they’re really not, and they will save you time, clutter and money in the long-run.
    • You can also use tabs and if you have kids, they can each have their own tab, so they know what their responsibilities are each week. No more cluttered board…. If you like those though, keep them up!
    • Screen Shot 2016-03-04 at 1.28.16 AMScreen Shot 2016-03-04 at 1.28.59 AMScreen Shot 2016-03-04 at 1.29.44 AM
  • Printouts for the Binder

    • I will be adding printouts for the binders this coming week, so stay alert! Printouts to expect include grocery list (by department, chore charts, cleaning schedules for your home, car cleaning schedule, time-management worksheet, and how to’s for making organizational tools! All FREE!

 

 

 

 

Resume Writing Series- 7 Great Tips

I am going to include some GREAT tips below for writing a resume that could land you a real job.

If you like the tips, I will be offering an eSeminar, starting April 2nd, 2016, and all of the information we be available to you to print out. Additionally, you can send me your resume, and I will give you tips for further improving your resume.

Tips for a Great Resume:

1. Tailor each resume for each job you are applying to

Every job you are applying to is not identical, right? So why would you write your resume as if they all were? You wouldn’t! Or better yet, you shouldn’t! Resume submissions may seem like a numbers game, but truth be told, the quality of your resume is a reflection of the quality of worker you might be, at least as far as the employer is concerned.

Employers have ONE tool to judge you by! This is your true first impression and you need to make it count. Many jobs will be similar, so maybe work on resume’s for one type of job at a time, but modify KEY WORDS and ACCOMPLISHMENTS based on what the employer needs, not all of your accomplishments may be necessary.

2. Proofread you Resume before you send it out

I cannot tell you how many times I have seen “Manger” in a job listing, and it is just as prevalent in resumes. You were a manager, right? You need to make sure your resume is correct, spell check is not the be-all-end-all of fixing your resume. Each time you add a line or paragraph, you need to read it over and make corrections, and you need to re-read your entire resume before you consider submitting it.

3. If submitting a cover letter, do not simply restate what is on your resume

Some employers these days genuinely do not want a cover letter. Do not force one upon them, however, if there is a place to submit one, pull back the reigns on your submission process and INCLUDE THE COVER LETTER. It can be the difference between them taking you seriously, or not looking at your resume at all.

Your cover letter is not your resume! I recommend going through the job description and write out all of the keywords you see. Now go through your resume and look for jobs that reflect these words and elaborate on these accomplishments.

4. Tailor Cover Letters for EACH job you are submitting them for

A cover letter is no different from your actual resume when it comes down to customization. You need to write each cover letter specifically for the job which you are applying to. Employers know what they’re looking for and will generally give you some idea of what that is in the description for the job. Look for keywords that apply to your experience and say a little more about those specifics that directly relate to what the employer is asking for.

5. Don’t give 20 years of history that doesn’t apply to the job you are seeking

If you have worked at one or two places over a long period of time, and that experience relates to the work you are applying to, by all means, include it, but no one looking to hire a financial analyst with a Master’s degree is going to care that from age 16 to 18, you worked at an ice¬† cream store. Its just not relevant.

If you are looking for a non-professional employment opportunity like customer-service at a store, you might write that if it was in the last 5-10 years, especially if you worked there for a long period of time. Include only pertinent employment if possible, unless it leaves you with gaps, in which case, you might separate ‘Relevant Work Experience’ from ‘Additional Work Experience” and just write your dates of employment and any awards you may have received, in a single, concise line.

6. Do NOT write why you left a position on your resume

You can let the prospective employer know, if they ask, why you left a position (tread lightly here, however, don’t bad mouth your former employer), otherwise, do not bring it up at all. Its not relevant and might make the employer think to hardly on you leaving jobs, which is NOT what you want to emphasize. Also, that information is taking up valuable resume real estate.

7. Have someone else proofread your resume for you

You may think all is golden for you in resume land, but find a fresh set of eyes to look at your resume before you send it out. Sometimes, when we look at the same thing over an over for hours or days, it can be difficult to pick out what’s wrong. There’s not shame in asking for help, and if it lands you a better resume and job, it sure can’t hurt.

 

 

Organize Your Life. Part I

Before you organize, you need to create space, and for that I have a system. I have a system I like to call Keep, Donate, Sell or Toss. This is a great beginning to creating space in your life. To begin, forget how much you think you like something, we all like things, but chances are if you haven’t used something in a year, its not something you need to keep unless its something decorative.

Instinct may tell you to clear the areas you see most first, living room, kitchen, bathroom, but experience has taught me otherwise. Walk into your largest closet and set up four boxes (or large bags) behind you. For boxes, write “keep”, “donate”, “sell” or “toss”. This method will allow you to go through things quickly. If you have an alternate location to store boxes, I would also recommend putting items you HAVE worn that may be out of season in your keep box and leaving the things that are in season in the closet so you aren’t handling stuff more than necessary.

For KEEP- store in a dry location and make certain that you give some indication of what the contents are or what room they are from, so that you don’t need to make a mess to find your belongings when it is time to use them again.

for DONATE- Donate your items PROMPTLY! This will keep you from going through boxes again and changing your mind on items you really and truly do not need. Many charities will also give you a slip to make your donation tax deductible. This is something I try and remember to do, because it can save you a couple bucks during tax season, and does not detract from the generosity of your gift.

For SELL- You can toss things you think would be salable swiftly into a box when you are initially organizing, but make certain you fully investigate each of these articles before selling them so you don’t miss any details. For housewares, certain details could be important to making you money, especially if items are vintage/ antique. For clothing, you want to make sure you let the buyer know if there are any irregularities or damage, so you do not effect your status as an honest seller. Ebay is a solid option for selling goods, but for vintage items, I would also recommend Etsy, people tend to sell items for a higher ticket price on Etsy.

In some areas, there are also consignment stores that sell higher ticket item clothing, you could find these by simply Googling, or message me the area where you live, and I’d be more than happy to put my feelers out to see what may be in your area.

For TOSS- I mean, first and foremost reuse/ recycle and anything that has no worthiness for recycling/ donation can thereafter be tossed into the trash. I have a ton of tutorials for reusing/ re-purposing that I will include soon.

After doing this with your closets, I recommend hitting the basement or garage (if you have either/ both), and them kitchen and bathroom cabinets, and THEN start going shelf-by-shelf using the method above.

Something I know a LOT about.

So, while I’ve been banking years-and-years of schooling and debt, and the 40-90hrs a week I clocked for years went only to sustaining my simple life in an expensive area of an expensive city, I learned something very valuable. I learned to save money on things that I needed to survive.

For starters, I learned that if I wanted something special, I would need to put money aside. Secondly, I learned that if I was to put money aside, I would need to save. I was raised by a very frugal woman, but I had no idea what that truly meant until I was actively trying to save money myself.

I wanted to backpack, and the equipment for that is very expensive, so I needed to put money aside. Some ways that I was able to put money aside, included:

  • Using coupons and only buying items I actually needed. A coupon can be tempting, and if it gets you an item for free, then go for it, why not? but… if you are saving a dollar on a three dollar item you didn’t need or want before seeing that coupon, don’t even clip it! I saved on average $70/ month using coupons for products I already purchase, and that’s without doing anything extreme or timely. I saved over $800 in my first year using coupons, and that was before digital coupons were a thing.

 

  • Quitting smoking. I was a pretty heavy smoker, and I initially wanted to cut back, but I soon realized that cutting even one cigarette out of my day was not a possibility, it needed to be all or nothing. Some people say use a timer, but truth be told, smoking was never about timing for me, it just seemed to fit in with a lot of the stuff I did… reading on the porch, drinking coffee, going out for drinks with friends, general socializing… I needed to quit. I found coupons online, and never paid more than $25 for a box of Nicorette gum, which is about half the retail, and I still saved a FORTUNE. When I say I was a heavy smoker, I mean, $18 a day habit (about 3 packs). I found out you can’t call yourself frugal when you add up the bill and see you’ve spent over $500 on cigarettes each month for nearly a decade. The gum after coupon ended up costing me $100 or so a month in the beginning and about $50 a month after six months. That’s a savings of $441.80- 491.80 a month!

Quitting Smoking saved me $5,600 a year! The average smoker would still save nearly $2000/ annually!

  • I cancelled my cable and shared internet. I was paying $20 a month for cable I didn’t use, because I seemed to always be watching netflix, or I checked out shows on the web sites for the network the shows were on. Cancelling my cable save me $240/ year. I also decided to forego paying for internet when my neighbor upstairs said I could pay her $10 a month (the cable company wanted $30 for the slowest speed), so I saved an additional $240 a year there. That’s $480 a year in savings! Not bad for a single phone call needing to be made (another perk to cancelling the cable is not seeing commercials offering me additional products I wouldn’t have otherwise know about… products I don’t really need).

 

  • I made my own coffee at least three days/ week! I enjoy coffee out, I enjoy tipping the baristas and I enjoy small talk with strangers, so cutting out my morning cup of Joe at the local coffee house just didn’t seem very sensible, so I committed to making my own coffee three days a week, and you know what I discovered? I enjoy coffee on my couch in my jammies or undies or whatever, I lived alone, so its no-one’s business =). Including gratuity and refills, assuming no food products were purchased, I spend about $4.50 a day on black coffee out. Drinking it at home cost about .80 cents for a large, shareable pot, or I could ice the extra a save it, either way, I saved almost $10 a week having coffee at home only three days. That’s about $510/ annually saved.
  • I put money aside each week, adding a dollar more each week than I did the week before.
  • Screen Shot 2016-01-30 at 9.57.19 PM

*This was meant to be my “fun money” initially, but I ended up saving so much with everything else, that I was actually able to spend 6 months of 2010 backpacking through the Sierras in California.

  • I cooked my own food four days-a-week. I lived in a really fun neighborhood in San Diego, and eating in just never seemed to happen, by eating at home four days, I saved $200 a month on Thai food alone, and another $300 on a variety of other cuisines. $500 a month (which I felt guilty about… the poor servers without my tips… e-gad!) That’s $6,000 annually.

To sum this up, between July 2009 and June 2010, I saved $14,766 dollars in a year. I was single with no kids, so I’m sure nothing seemed too crazy when I was spending it, but when you consider I was making about $30,000 a year and was “inexplicably” broke, the spending starts to seem crazy.

Its over six years later and I spend even less today. I’ve changed the way I look at money, I’ve invested, and I’m proud to say that I understand now that is it far better to have money in the bank for things that are important to me… for the people who are important to me, than it is to have coffee and food out every single day. I save money on inhalers, because I no longer smoke and no longer need them multiple times a day, because I met a staircase with more than three steps. I’m healthy and happy and good with money today. The simple goal of saving enough money to go hiking changed my life.

 

 

 

 

 

 

Pulling My Hair Out!

I’m not really pulling my hair out, not really, but I’m kicking myself for not staying as organized as I’d wanted. The lack of sleep has definitely taken its toll. It is what it is though. My life is good. I’m temping for work for the time-being, and after taxes and childcare expenses, it seems all-for-naught, however, I feel like I’m trying, and that is important to me and keeps me in working-mode until I find a “real job”.

Job-hunting is a daunting process, and I might very well be doing everything wrong. I have an MBA, and I can’t seem to find someone who will listen while I explain what a super-duper worker and innovator I am, but it-is-what-it-is.

What IS happening right now is that I’m writing a business ebook to get back into writing. I have specific knowledge on the issue and I DO own a business. If anyone is considering writing their own ebook, I will outline the process in the future as I make more progress and eventually will also write a how-to and explain any and all pit falls I might come in contact with.

Our baby is 5 1/2 months old now, and I feel blessed not only to have a baby, but to have a baby with contagious laughter who always smiles. Its nearly impossible for me to not see the light at the end of the tunnel with that baby face smiling at me continuously. He rolls over and says “hi” and does all sorts of stuff I think is amazing, but that most people would not be super impressed by, but I tell any one who will listen about my little guy anyway. =)

I have started taking a Linux class online. I almost signed up at a local community college until I discovered that you can actually take classes with MAJOR universities online… FREE! It was an amazing discovery, since I already owe a gagillion dollars in student loans, and I only wanted to go for the knowledge anyways. The one I’m taking is free, but if you want the certification, its $99. Pretty sweet… I don’t need to be certified, but if I did, its nice to know there are options that cost far less than a formal institution.

My personal care line costs more in advertising than it brings in outside of September-December, so until I start working again, I’m focusing on another one of my Etsy stores, and I’ve been making jewelry… Its been a blessing with stress. The starting costs were low, it turns my attention away from stressors, and it takes up very little space, so I can pull it out after the baby goes down.

So that, that is what is on my front burners right now. I will go into each in the future. I plan on adding some tutorials, still.

The times, they are a changing.

I never posted the tutorial on burp cloths, but with that said, I’m the only one whose read this to date, so it-is-what-it-is. I have decided to go in another direction with this. I have decided to detail the adventures and experiences of my life from this point on. So here goes, where I am at this very humble newest beginning.

My boyfriend and I had a baby in August. He is my world. The birth could be considered difficult, and the physical therapy confirms it, but I wouldn’t trade my baby for anything in the world. A new baby is something that you can never really describe. I mean, I’d heard people say they had a new baby, and they were exhausted, but I don’t think I ever quite comprehended the degree of exhaustion I would experience. And I had to do so much alone, because I decided to nurse him. Our baby is a little over nine weeks old now, so I can say, honestly, that I sleep better now, but I’m still exhausted most of the time and have been assured that exhaustion will never, ever, ever go away =).

I’m also poor right now, and it doesn’t help that my two weeks of maternity leave was unpaid, but the compounding stress is also very exhausting… but I would still not trade it for anything. I can’t describe my love for my son. He’s so pure and perfect and kind and I feel his emotions when I look at him and I just want to protect him from everything. I’ve never had anyone I needed to care for before now.

My plan as it stands right now, is to get a “real job”! I just finished my MBA and haven’t found anything as of yet, but I also just started reading a book on resume writing and discovered that my resume is a HOT MESS! I will work on it this weekend and put updates here. Additionally, if it works, I will outline the litany of offenses along with the steps I took to correct them =). You’d think that once you owe a $120,000 for school, you would have an awesome resume, but that, sadly, was not a skill I was taught in business school (it probably should be though).

We live in a one-bedroom apartment. I need to change that! I’m living paycheck to paycheck and I need to change that too. I have several Etsy shops, but I’m not making the money I should. I need to change that too.

I want to be successful. A successful mother first-and-foremost, because my son deserves it, but I also would like to be successful in business, because I deserve it. I work hard and I have done so since I was 16 years-old.

Goals for this coming year:

  • no credit card debt greater than $300 at any given time.
  • Make double payments on my car by June
  • Make $1200/ mo. student loan payments by March
  • Buy a house by April
  • Find a great job by February
  • Get my teeth corrected whenever (during 2016 though)
  • Teach my child some Sign language
  • Work on re-learning Spanish and French.

That’s all I’ve got!