Category Archives: Planning

State of the Side Hustle

I fell off the frugality wagon. (I decided to update my 40K codexes.) So I have been refocusing by reading Brave New Life, Mr Money Mustache and Millennial Money Man. They all talk about getting a side hustle going.

Sadly for the past couple of years, I have had more than enough on my plate.

  1. Primary Job.
  2. Mowing and Weed Whacking.
  3. Help around the farm.
  4. Accounting for the Farm and Lawn mowing.

Getting side stuff going was problematic because I didn’t have time.

However, I have lost 4 of my side mowing jobs and we lost a cemetery so I should have more time. I can devote more time to my projects. I have some worries about the loss of income but I think I can make it up else where.

Life does seem to be coming together.

2016 in Review

2016 was a bit rough. I lost my part of my 2015 spreadsheets when my computer died. Here we go though.

 

2015 2016 Percentage
Hobbies 1808.86 1838.68 0.983781843496421
Insurance 2166.27 1955.54 1.10776051627683
Gas 979.27 874.39 1.11994647697252
Pets 339.81 339.35 1.00135553263592
Health 775.54 1857.57 0.417502435978187
Tools 2116.15 491.67 4.30400471861208
Subscriptions 1424.32 1249.04 1.14033177480305
Food 477.07 524.68 0.909258976900206
School 550 0 #DIV/0!
Clothes 0 239.04 0
Office 0 65.94 0
Repairs 0 283.06 0
Misc 0 708.2 0

I can just do tables. Why didn’t I do that before? Oh, I downloaded Libreoffice.

I’m going to do better in 2017. I’m going to work on finishing my projects and save money. Create better systems than I have currently.

New game planning.

My bunker year as I call it is going well. I have bought significantly less stuff this year and even finished painting my Astra Militarium army.  I screwed up a few times. (Four new novels, Captain America Expansion for Legendary. Atomic Robo comics.)

But curiosity has gotten the better of me. I decided to try Pathfinder. I have not bought any of the books or the beginner’s set. I merely sat down to play at the local Pathfinder Society.

I have missed playing RPG’s. it was nice.

Also a friend of mine wants to try WarMachine. He has a daughter now so 40K is a bit out of his reach.

Problem is, I can’t buy any new games yet. It has not been a year yet. There is no rush for these but my curiosity burns for new worlds and to try new things.

So I am going to have to re-think how I approach my goals.

2014 in review/2015 plans

2014 in review.

So in 2014 I got a machine shop job and lost the machine shop job. But lets review my income and spending.

Income:

Machine Shop(Net): 12,595.80

Side Jobs: 2,956.00

Dividends:233.40

Total Income (Net):15,785.20

Expenses

Gas: 1,445.16

Health: 895.16

Food: 394.58

Pets: 533.78

Hobbies: 1,003.91

Insurance: 1,717.87

Tools: 1,109.34

Machines: 500.00

Subscriptions: 391.66

School: 2249.47

Repairs: 248.89

Tax Preparation: 60.00

Stocks: 8,425.00

Miscellaneous: 380.57

Total: 19,355.59

From the looks of things, I spent far more than I took in. -3,570.39 to be exact.

But the expenses include the one time stock buy using the money I got out of my bank CD. 19,355 -7300=12,055. Now I am living within my means, though it could be better.

2015 Forecast

Rising expenses: Insurance, Gasoline, Health, Pets, repairs will most likely all increase.

I bought medical insurance on top of my life insurance. My jobs will be farther away so gasoline is going to increase. I got another cat that will need to be fed. Health I am unsure of. I got new glasses this year, but my medical visits will be out of pocket. Repairs because I will be increasing the distance traveled for work.

Stay the same: Hobbies and Tax prep.

The biggest amount I spent in hobbies was for GENCON and that amount stays fairly consistent. Warhammer 40K might be picking up again and I bought the BattleTech intro kit with plans to buy Leviathans. But my backlog of projects will prevent me from buying anything else for now.

I don’t think the accountant is going to raise his fee’s anytime soon.

Decreasing Expenses: Subscriptions, School, Tools, Machines, Food.

I accidentally bought two years worth of subscriptions to Make. Slacker and Netflix have been pretty stable.  I am not going to be a full time student in the next year so school will be cut in half at the very least. I don’t foresee any new tools or machines to be bought. Food will be cut down because I am not going to be going to school.

Plans for 2015

1. Make Mistakes.

2. Find another machinist job.

3. Do better book keeping.

Make Mistakes

I grew up watching way too much television. I was always fascinated by the master craftsman or superheroes that made their awe inspiring master piece. Problem is, television doesn’t show you the mistakes made to get that good. So I would build things and be disappointed that they were not what I had planned. So I would be discouraged and wouldn’t practice. So I think this year I am going to take a little advice and make mistakes. The goal will be to complete projects rather than make them perfect. Like today, I made a hammer. I already have one, this one isn’t centered and the handle is too long for the head, but damn it, the next one will be better.

 

DSCN0123DSCN0122Find a machinist job. I signed up at the community college for a machine tool class. In addition to sharpening my skills, hopefully they will have some leads. The last place I tried wouldn’t require anyone for another 2 months.

Do better book keeping.  As I was preparing to do this post, I found that my list approach didn’t hold up well to analyses. All my stuff had blended together and I had a hard time disentangling them. So I am taking a more proactive approach this year and creating columns.

2015 will be a better year than 2014.

2014 4th Quarter Buy

First things first, I finished my school semester. I am unsure if I will be able to go for next semester. I wish to have a job before I go back to school.

Alright, so the CD I had at the bank lapsed so I had 7,300 dollars to spend. I took that and the money from my dividends so I had 7,380 to spend. I bought 217 shares of AT&T stock at 33.99 a share.

The total number of stock I own is now at 334 of AT&T, 65 of Alteria and 6 of GDL Fund. These stocks should yield me 183.54 every quarter.

I will have to reassess my path to financial independence after I find a job. I will admit I didn’t expect that I would be unemployed this long. But I haven’t had to bite into my savings yet so that is a plus.

Laid off

I was extremely busy with both work and school so the blog fell to the wayside. But I was laid off this week. After 9 months of working I was released due to economic concerns. Though this puts a kink in my plans, I think overall I was dealt a good hand. I have enough to sustain myself for a while. So what lesson’s did I learn from this?

Machine shop:

Blueprints: Blueprints are vital to a shop. Samples of the product don’t make for ease of programming.

Organize your tools: If your employee’ spend most of their time chasing down tools, consider having multiple tool chests. Cultivate a culture where everyone puts tools back.

Eliminate the Assholes: This is Scott Adam’s rule but this was underlined at the shop I worked in. If one person decides to ignore the rules and create havoc throughout the shop, the entire business suffers.

Keep an eye on your workers: If you stay cooped up in the office, you will get select reports from the floor. Go out and talk to the workers. You can’t make good decisions without proper information. Of course, they may not tell you everything, but learn to read people. Get a sense of what the morale of the shop is.

Life lesson’s

Never get complacent: You need to prove your worth constantly. Always strive to improve.

Power through difficult attitudes: Don’t put yourself above the team. Be better than that asshole I talked about earlier. Be the bigger man and go around that person to accomplish your tasks. If at the end you are the one that gets sacked, now they are the ones that have something to prove. Take satisfaction in that in the end, justice was served.

Money can’t buy happiness: I was aware of this from previous experience’s and from reading MrMoneyMustache, but my time there underlined it. The owner of the shop had a fleet of upgraded vehicles, a shop full of machine tools that would be the envy of any man and more money than he knew what to do with. Yet, he still looked tired. All he wanted was to retire, yet he couldn’t because he still had to run the shop. It didn’t buy peace in his family. He was besieged on all sides and couldn’t find peace anywhere.

Now, what for me to do now? Well, there are a few machine shops I can apply to. Even a gunsmith. I will get moving again soon.

Astra Militarum Commissar Complete

I finally painted my Commissar. I plan on using him as a Lord Commissar in games. Now I am not especially skilled in painting nor have I figured out how to base models, so on the way to financial independence, we will see how I improve.

I suck at pictures.
I suck at pictures.
Really, just, awful.
Really, just, awful.

DSCN0013

Here are pictures of a space hulk terrain board I am working on. I am thinking of having elements from Tau, Eldar, Ork and Imperial spaceships with rock corridors between them. Like the base from Dan Abnett’s “Salvation’s Reach”.

I’m using the Starship blocks molds from Hirst Art’s. The idea for the space hulk came from the idea that I wasn’t going to get perfect cast’s, so what better way to get practice than to have something that is supposed to look crappy? Unfortunately, I’m using drywall plaster from a local hardware store, so the strength is pretty weak.

DSCN0012 DSCN0011

And the project’s will never end. The plan was to have a Space Marine, Astra Militarum, Grey Knights, Khrone, Nurgle and Skaven army. Dark Vengence brought some Dark Angels into my life.

I should have just taken up drugs.
I should have just taken up drugs.

Of course, you wouldn’t be living a life without some distractions.

My dog insisting on a walk.
My dog insisting on a walk.