Debt Payoff Update

Credit: Pixabay

Even in these uncertain times, my husband and I are still trying to pay off our debt. Having less to pay in bills each month means more of our income can go where WE want it to.

We were focusing heavily on paying off debt, and while we are still doing that, we have scaled back a bit on how much we are paying. If you remember, we refinanced our house a while ago, which lowered both our interest rate and our payment, as well as putting a nice cushion in our savings account.

All of those things have made it easier not to panic financially. My husband, while considered an essential worker, has still had his hours cut at work. Not the end of the world, certainly, but that is money we aren’t getting now. In addition, I am off for the summer, so I don’t receive a paycheck. I’m still not sure that my job will open up again in the fall, but we shall see.

In spite of all that, we have been able to continue making additional payments on our mortgage and to pay off another credit card! I wanted to keep making the same mortgage payments we were before, even though our payment went down, because that means we are paying towards the principal of the loan every month. And since it’s the amount we’ve been paying for years, we don’t miss it.

When I first started trying out the snowball debt payment method, we had our mortgage, a car loan, a bank loan, and 4 credit cards. In the last six months, we’ve paid off the bank loan and one of the credit cards. Today, I paid off a second card! It feels so good to see that zero balance. ๐Ÿ˜€

We still have a ways to go, but we are slowly getting there. Since I am off for the summer (sort of), I am working on creating new side hustles and income streams for us. I talked previously about launching my Etsy shop (it still needs work!) and I am planning to start a YouTube channel where I will be posting videos of the mandalas I draw. Once I have the channel up and running, I’ll post more about it here.

Both of those projects have taken more work than I initially thought, but I am determined to see them both through. Any extra income I can bring in can go towards paying down our debt, so that we are in a better financial position if anything thing else crazy happens this year.

Lazy Days

Iโ€™ve been lazy the last few days. I have a to-do list a mile long, but Iโ€™ve taken a few days just to chill and relax.

I have gone to my new job and spent a couple of hours figuring out what I need to do first. Unfortunately, itโ€™s cleaning and inventory. ๐Ÿคจ But at least itโ€™s a start. So Iโ€™m heading there tomorrow to spend a few hours getting started.

Iโ€™ve also spent quite a bit of time painting miniatures. I have about 14 done, so at some point I will take pics and share them. I am still experimenting with contrast paints. I bought some more Vallejo and contrast paint yesterday, as well as some new brushes. Iโ€™m excited to try them.

As Iโ€™ve been lazing about, I decided to try out ordering my groceries online. I thought I would hate it. Turns out, I was wrong. I love it. It also is saving me money, because it cuts down on the number of impulse buys from my husband. ๐Ÿ˜‚ Instead of spending an hour shopping, I order online, schedule a pickup time, and only spend 30 min getting groceries. Plus, I donโ€™t have to spend time in the store with people. Win-win!

The world is a crazy place right now. Stay safe and well, everyone. โค๏ธ

Change is Hard

Photo by Alexas Fotos on Pexels.com

I have hit a patch of blogger’s block. That doesn’t usually happen to me. I have tons of ideas and generally don’t have trouble creating a post.

For the last week, it’s been a struggle.

It’s likely because I know I need to make some changes and I’m resisting. Which is crazy, because the only person who has a say is me. ๐Ÿ˜› When I started this blog, it was with the idea that I would use it to further my online business. As I started writing, though, it became more of a place for me to just write about things that interest me. Which is fine, except now I find myself wanting/needing to make a pivot, because I do want my online business to be successful.

I purposely branded everything using the Introverted Hermit – my Etsy shop, this website, my social media sites. I could start all over, but I don’t want to. I’ve already bought the domain, have everything set up, etc. So the other option is to pivot and start using this site for business rather than the more personal blogging I’ve done up to this point.

I’d like to find a way to balance the two – to still have some personal content but mixed in with more business content. I haven’t figured out how to do that yet. There’s also the fear that making changes will hurt the progress I’ve made attracting readers.

Change is hard, y’all.

I spent some time today looking up editorial calendar templates because I need to get more organized with my writing – maybe that will help me focus and create the blend of business/personal I’m looking for. I found a few, but I got annoyed at the number of sites that wanted an email address before I could download the ‘free’ template. So I made a mental note that if something on my site is labeled ‘free,’ it is actually free – won’t even cost you an email address. ๐Ÿ˜›

Success!

Credit: Pixabay

It’s been a crazy few days, eh?

I’m trying to focus on the positive and things that I can actually control. One of those is my job. I posted before about applying for a new position at my current job.

I had an interview via Zoom – a strange experience, but I watched some Zoom tutorials before the meeting, so I knew what to expect. It went pretty smoothly – I even managed to screen share some of the work I had prepared. And it all worked out – I got the job!

It’s going to mean more work, but it’s also more pay, so. . . ๐Ÿ˜€

I’m also still working on completing other personal projects – like my miniature painting, my writing here, my Etsy shop, my mandalas, etc. It’s going well – I like being able to jump around to whatever project seems most appealing at the time. I spent yesterday painting minis and experimenting more with the contrast paints. Made mistakes, but I’m learning.

Today I’m meeting with my boss to discuss plans for next year – we’re going to have to make a lot of assumptions about what the world looks like 3 months from now, so we’ll see how it goes.

For the last week or so, I’ve been using the new block editor here on WordPress. I’m still not sold, but I’m going to give it a few more weeks before I make a decision. There are some features that I like, but some are just annoying.

We planted some new seeds for our container garden. My youngest made me a raised container bed and we bought several other containers from the local garden store. So far, everything is green and growing, but we’ll see what happens. I have a definite black thumb, which is why I don’t keep houseplants. I’m not sure if we’ll get anything edible out of the garden, but crossing my fingers that the plants know what to do, and I just need to provide food, water, and sun. ๐Ÿ˜›

Monday Mandala 45

Mandala_45After watching some mandala artists on YouTube, I’ve been experimenting with the symmetry options in Procreate.ย  This was my first attempt with the rotational symmetry turned on.ย  Still figuring it all out, but I like this one.ย  It reminds me of those paper lantern lights.

Changes

The more things change, the more they stay the same, right? Lots of changes for me now and in the future. The pandemic has made everything very fluid, so it’s hard to plan ahead without knowing what will change.

I have an interview for a new job next week. I’m less nervous than I thought I would be, but I’m afraid that will make it hurt more if I don’t get it. :/ My youngest has now had 3 tentative dates to reschedule graduation, but it hasn’t happened yet. I’ve decided to go ahead and send out the announcements with a note that explains we don’t know when/if it will happen. Even if it doesn’t, or people can’t attend, I at least want them to know how proud we are of his accomplishments.

The university that both children will attend in the fall has said they intend to hold in-person classes, but they will end those early right before Thanksgiving. Everything after that (the final two weeks of classes), will be done remotely. I have to wonder, then, why bother? Everyone has been doing remote classes for most of the year, so why go back just for 2 1/2 months? My oldest has all online classes anyway, and we can probably arrange my youngest’s classes to be all online as well, so we’ll see how it all shakes out. We still aren’t sure whether my job will reopen in August, but we are planning as if we will. The new health regulations are sure making things interesting.

In the meantime, I am continuing on with my own plans. I’ve opened my Etsy shop, I’m adding additional items this week, and I am taking steps to get back on track with what I want to do for my business. I’m trying to improve my health and fitness, and I’m continuing to work on various projects, like painting more minis. ๐Ÿ˜€

Hitting Publish

Credit: Pixabay

I did it! I finally listed some of my coloring mandalas on Etsy. After attempting to add things here and becoming frustrated, I finally decided to just go ahead and list the mandalas on Etsy.

They are similar to my Monday Mandalas, but they are more detailed, since I drew them specifically for people to color. It was (unsurprisingly) easy to list the items on Etsy, and adding the files for download was simple. I spent more time creating the images for the listings than I did the actual listings themselves.

I’ve listed 5 mandalas to start, and I plan to add to them this week. If you’d like to check them out, you can find them in my Etsy store here. It’s all kind of an experiment at this point, since I haven’t really done any social media or marketing – mostly because I decided on the spur of the moment to just do it. ๐Ÿ˜›

It should be an interesting week for me – I’ve opened my Etsy shop finally, I bought more contrast paints to experiment with painting minis, and I bought the iOrnament app for more drawing options. iOrnament reminds me of iColorama – lots and lots of options, but it’s a bit overwhelming at first. I’ve been watching some tutorials to make some sense of it. Lots of good information, but I have a feeling I may still stick with Procreate for the majority of my drawing. I haven’t found anything that has that same line smoothing ability as Procreate.

Lots of changes heading my way – new stuff to learn, a new shop to run, and now WordPress is moving everyone over to the new block editor. I’m using it to create this post – so far, so good, except I miss seeing my word count at the bottom of the post. After some Google-fu, you have to click the information button at the top of your post in the block editor to see how many words you’ve written. Not the end of the world, but an annoying additional click.

Le sigh.

Ah well, if that’s the worst of the changes, I’m doing okay, right? I do appreciate that the new editor has lots of options the old one didn’t, change is just hard. Either that, or I’m just old. ๐Ÿ˜€