Accountability 201: Checking in from the first 30 days

Here's the first progress report.  It's been a busy, but refreshing month.  Wrapping up school did take the majority of the time, but since mid-month, I've been able to crack down on items from this list to attempt to make some progress.

Bits and pieces of work, play, and rejuvenation, while balancing home, family, and responsibilities.  It's never an easy thing, but then, I don't really know how to slow down.

Next check in will be August 1.  And I promise I'll include some pictures to accompany some of these projects.  Silly, I know, but pictures DO say 1000 words... (now, if I can only get my camera to cooperate...)

How many of these can I get finished by September 1?

• Home
• Kitchen
• Clean and Organize Frig
• Finish shelves & stock pantry
• Organize under sink
• Organize cabinets
• Electric
• Faucet Replacement
• First Floor
• Paint Stair Risers and Trim 
• Organize Breezeway
• A Frame away
• AC Mounting boards (exterior)
• Basement Stairs
• Garage
• Bed to Attic
• Table workbench
• Camp stuff on shelves
• Attic Stairs
• Wreath to Attic
• Second Floor
• Organize bathroom closet
• Repaint bathroom
• Towel Rods 
• Closet Curtains
• New shower curtain & rug

• Yard
• Organic Veggie Garden
• Potato Condo & layers
• Lettuce
• Side Shade Garden
• Trellis (Pallets)
• Chicken Coop

• Personal
• Doctor
• Mammogram
• Pap
• Eyes 
• Kid Dentist
• Budget
• Annual Budget Update
• Monthly Budget
• Pay off One Credit Card
• Debt Snowball (+1000/mo)
• Sinking Fund ($2000)
• Read 5 Fiction Books
• The Mazerunner
• The Fifth Assassin by Brad Meltzer
• Book of Fate by Brad Meltzer
• HS Summer Reading tba
• MS Summer Reading tba
• Read 3 Non-Fiction Books
• 7 Habits of Highly Effective People
• tba
• tba

• Fitness
• Yoga
• Sunday 10:30
• Second Day?
• Boot Camp @ Tanya's
• When?
• 30 Day Challenge- Start July 1
• Abs (need to catch up already!)
• Arms (ditto!)

• Office
• Organize File Cabinet
• Organize Manuals
• Shred Documents
• Legacy Box

• Upload
•  TpT
• Line of Best Fit Project
• Rule of Four
• #1 Drama problem
• #2
• #3
• #4
• Bundle
• DC POWs
• FACES foldable

• Worcester (AxiD Corporation):
• Furnace Cleaning
• Sprinkler Inspection
• Alarm Inspection
• Washer Service
• Fire Extinguisher Inspection

• Canning, Freezing & Household:
• Liquid Laundry Soap
• Liquid Fabric Softener
• Dishwasher Detergent
• Lemon Kool-Aid Mix
• Strawberry Jam The recipe is HERE
• Green Salsa
• Red Salsa
• Pickles
• Spaghetti Sauce
• Chili Sauce 
• Freezer Meals
• Print and Organize menus
• Shop & Labels
• Stock Freezer for winter
• Flash Freeze
• Kale
• Carrots 
• Peppers
• Potatoes (cook first?)

• Thirty-One:
• Fall Preview - June 12
• Book 3 parties summer
• Catalog July!
• Book 3 parties fall
• Book 3 vendor events
• RSS
• Budget (Jan - July)
• Better Together Event (Aug)

• Family
• NYC w/ Dad and boys (July 2) Info on the Intrepid Sea and Air Museum HERE
• ComicConn @ Mohegan (August)
• Hike
• Beach (Early July)
• Tubing w/ Softball (August)
• Scouts:
• Camp
• Pack equipment
• Merit Badges
• Citizenship of the Nation - A
• Archery - A
• Boards of Review/Feast

• School:
• Tutoring (through June 30th)
• Recertification (due in August)
• IPDP completed w/ certificates IN PROGRESS
• IPDP signed
• Recert application & $ sent to DOE
•  Yearbook
• Ladder & Timeline
• Training with Software
• Summer School (July 13)
• Summer School (July 13)
• Gr 7
• Gr 8
• Videos on SchoolTube
• INB usage
• Distribution
• Algebra Tiles
• tba
• Geometry Plan
• INB
• Year Calendar
• Algebra Review (biweekly - 10-18 packets)
• Math 8 Plan
• Pre-test MC
• Post-test MC/OR
• Vocab Tests MC or Matching
• Checklists (including bookmarks)
• HW Lists
• Study Helps
• Pictures of Current Work for samples (every chapter)
• Vocab Examples too!
• WYLB

Happy Summer!  And here's to accountability and accomplishments!

Get Your Finances in Order

Like many people at the start of the new year, I set my top 5 goals for the year.  Some were personal, others were with the family.  Some were narrow, some were broad.  Most had bullet points that I can use as a checklist.  You can read my entire blog post HERE.  

Goal #1: $$$$  Get your financial house in order  $$$

My first goal for 2014 of getting my financial house in order.  I had organized all the papers and done a 'month in review' budget for years, but decided that I needed a kick in the butt and accountability.  Enter Dave Ramsey.  I had come across his free podcast of his daily radio show that spoke of finances.  Dave has a very 'in your face' personality.  He tells it like it is... even if it's not what you want to hear.  And that's refreshing.  He had spoken about his method of getting out of debt and accumulating wealth.  It was different than the other information I had read about (mostly investing in real estate, that was out of my reach now, and in year's past).  He principals included a checklist - I LOVE CHECKLISTS! - that seemed like an easy road map to the goal I was trying to achieve.  

So, as a birthday gift to myself, I enrolled in his Financial Peace University that was being held at a nearby church.  Though I hadn't been a student in a class in a while, this was a bit of a commitment - 10 Saturday nights, plus homework - but I knew it was an investment in myself and my future!

Each week covers a particular area of this checklist, what Dave calls the 'Baby Steps'.  And the class has facilitators, but is actually a video presentation of Dave and his colleagues (so everyone essentially gets the same class).  It also had an online component, so if you missed class or wanted to recap the highlights, you could review the video at a later date at your convenience.  This worked out great when I missed class due to inclement weather!

The Baby Steps are no secret, Dave talks about them regularly on his radio show.  It's basically 'common sense' or what Grandma would have told you growing up!  They are as follows:

#1 $1000 Emergency Fund (available for EMERGENCIES)
#2 Pay off all debts (except the house)
#3 Fully Funded Emergency Fund (3-6 mo expenses in bank)
#4 15% into Retirement
#5 Kids' College
#6 Pay Off House Early
#7 Build Wealth and Give!

My journey began with Baby Step #1: $1000 Emergency Fund.  I have carried a 'savings account' that is linked to my checking, and always got nervous when it was below $1000, but never thought of it as something separate.  So a bit or reorganization, and that step is checked off the list.  It's there for EMERGENCIES, like the furnace breaks or you get a flat tire, not for a WANT.  That's something you plan for, in the BUDGET.
 So along with Baby Step #1, I also reorganized the budget and moved to an envelope system of money management.  The idea is to CASH FLOW your expenses, with cash, and not live on a Credit Card.  That was, and continues to be HARD!  But it's also changing behavior, and I certainly am a work in progress...

The budget changes month-to-month, and that's very different than how I had previously arranged my budget analysis.  Each month, you take your paycheck, before you get it, and tell you money where to go.  EVERY PENNY!  Of course, as a pseudo-perfectionist, doing this in pencil was a must, because it's a ZERO-BASED BUDGET.  No money is left over.  And I wasn't very good at that.  But once the basics were covered (Home, Utilities, Food, Transportation), and monies set aside for Sinking Funds (like auto insurance, home insurance, the dentist, Christmas/Vacation savings and those other bills that are planned, but not monthly), then the other bills (ie: DEBT, like credit cards) could be addressed.

So cross that one off the list!
#1 $1000 Emergency Fund (available for EMERGENCIES)

So on to the next step.  That's the step I'm on now, Baby Step #2: Pay off all debts (except the house).  It's taking care of all the debts I have (except the home mortgage).  This is daunting.  It was something that I was aware of, but since I used credit A LOT, and didn't pay down my balance, it was always there... never a zero balance.  And I didn't ever see one.  So now that the Envelope System is in place, the cards cut up (still working on this one... but most are and I'm not adding to them), and the budget has told every dollar where to go, what's remaining becomes the DEBT SNOWBALL.

The idea of the debt snowball list all debts and organize them from least to greatest balance.  Then, pay minimum balances on all your debts stack all extra money available (after that well organized budget) towards the lowest balance.  Once that debt is paid off, use that amount and put it towards the next lowest balance.  As the smaller debts are paid, the snowball gathers momentum and you FEEL like you are making progress towards tackling your debt.  And you are.  Slowly at first, but eventually, as the snowball gets bigger and bigger, the debt will literally melt away!  

So here is my debt.  YIPES!  $35,000 to start.  That's daunting.  And, sadly that doesn't include college loans, like most folks.  Those were actually the first that were paid off.  My debt is solely car and credit.  But the plan is in place, and I'm chipping away.  $4,200 paid off since February 1.  YAY!  

But the great thing, that I'm super proud of, is that I did purchase a used Truck and Plow in CASH!  A bit of planning, but that's the first major purchase since I started Financial Peace University.  It was due to savings as well as selling a ton of items with my friend Craig (Craigslist and Ebay are awesome for this).  Also hoping to add to the snowball this April with a Tag Sale.  Another thing is to change my tax witholdings to get more in my paycheck throughout the year, and a much smaller rebate next spring.  That extra cash will go towards the snowball, as well as funding sinking funds for budgeted expenses.


So the journey continues.  I hope to finish Baby Step #2 by the summer of 2016.  It's a big challenge, but with extra jobs, extra cash and lots of motivation (and some accountability here on the blog), I will tackle this!

Happy Budgeting!

 

New Year = New Goals

The new year brings us a chance to reflect and renew for the upcoming calendar year.

Fortunately, in my line of work, I am able to 'regroup' on several cycles (academic calendar at school, seasonal catalogs for my direct sales business, calendar year).  But a disadvantage to that is that I never quite feel like I get my feet under me to get the ball rolling.

 I may not be completely organized (or even partially organized) but with new gusto I will send my TOP 5 goals for the upcoming year.  Putting them here will, I hope, keep me accountable, and will also help me to check in on a regular basis (and reset if necessary, despite the calendar I'm currently on).

#1 Get my financial house in order:  With a monthly budget (and sticking to it! *note, the spreadsheet link has fictional numbers), attending Dave Ramsey's Financial Peace University this January, consolidating the debt with a home equity loan, and sticking to the envelope system, I have a big mountain to climb.  But I am determined and I hope that during the first 9 weeks of the year, I will be able to make great strides on this!  I consider this as a birthday present to myself - and a goal I'd like to make significant progress on in 2014.  The nerd in me is making some graphs and timelines and spreadsheets to wrap my brain around it, but I hope attending the class (with my beau) will also allow me not to complete this in isolation.  It's difficult to complete any task, let alone one that has a lot of emotional value, but I feel that this is my Number One priority this year, for the benefit of my family.  Getting expenses under control will also help focus on what the income needs are - especially on some of those 'fringe' jobs I have - and give me a goal on what those areas should bring in.

#2 Manage my time better: This one will be a tough one to actually benchmark.  It's a lofty goal, that will be able to be worked on in all the facets of my life.  I do have my favorite product (and comparable app for my phone) that I use frequently at school.  Read about it here on a previous blog HERE.  I shared the second one with a colleague at school, who worked with students who needed visual cues and lead time.  I also have found that I have been using my phone app more often - but not sharing it with the kids as often (for cleanup, reading, etc).  For the upcoming year, I'd like to be working more on an internal clock that this one, but also focus on a task at a time and give it my all.  If I am focused on a task, I can actually become quite OCD.  But if I have a long list (like cleaning or organizing my house) I notice that I can work for long periods of time, but it doesn't appear that I get much done, mostly because I flit from room to room and never quite get one section 'completed'.  I think I'll focus specifically on a 15-minute cleanup daily before I leave for work, cleaning off my desk each time I use it (both at home and at school), and working on school work for no more than 60 minutes at home.

#3 Focus on Family: Now that my kids are getting older, they are venturing out in their own interests.  As mom, I feel like it's partially my responsibility to remind them of the importance of family and family time.  Unfortunately, with some technical difficulties, one of our true family time events has been disrupted (watching movies together), but I hope to actually get that rectified today.  I also feel it's important for the kids to set (and strive towards) goals themselves, so we also are sitting down today to write down those goals and post them in their room.  Our goals are thematic:  academic, scouting, health/fitness/athletic, recreational/extra-curricular, and personal.  I'm curious as to what they decide as well as helping them create a timeline and smaller goals to reach the big picture.  Personally, I am setting aside one-on-one time each day with each kid and a 'date night' once a week. 

#4 Clutter Control: This tends to be part of issue with goal #2.  I have intention to clean an area, then it immediately seems overwhelmed by chaos (hence the title of this blog).  My two most recent chaos areas are the kitchen and the dining room/office.  I have been essentially 'banned' from the kitchen (no one likes my cooking, so I have relinquished that duty) but not it's clean up.  Some might say that I am giving up control, which is a HUGE step for me!   But some of the routine is just having a place for everything, and returning it when it's taken out.  So the control and the reminders may still be in place (putting items in the trash instead of leaving them on the counter, dishes in the dishwasher instead of in the sink).  The dining room is my undoing.  I have found that going vertical is helpful, as is stylish storage.  Because we use the same space as an office, a library, and a dining room, the table tends to be overrun with papers, books, and a serious catch-all for mostly MY stuff.  As I stated in Goal #2, a 15-minute clean before work as well as cleaning off the desk and table each night will be my benchmarks.  I should even rate myself weekly.  That would be motivation!  Of course, one thing I do need to remember to do is photograph the 'before' and the 'after' of my projects.  I would like to take one one 'minor project' each week (like a junk drawer, or a linen closet) and one 'major project' each week (like a child's bedroom or the basement family room).  I am reserving the garage for Spring Break.  That will certainly be a proud moment to post that 'after' picture! 

#5 Be Grateful: Though I saved this goal for last, it is certainly the most important.  I don't thank people enough.  I don't tell them how much I appreciate them enough.  I don't live in the moment enough.  And I think 2014, despite all my other goals, should center around an attitude of gratitude.  I will thank more people.  I will tell more people what they mean to me.  I will live in the moment more. 

Our close and extended family had a rocky 2013, from a health perspective, employment perspective, academic perspective, but the outlook is bright for the coming year.  We had many people support us and our endeavors last year, and this year, we are making effective progress towards that end. 

So cheers to you and your family!  Wishing you health, prosperity, and love in 2014!

SMART Goals

Have you heard of SMART goals? It's a way of pinpointing your hopes, dreams, and goals into manageable tasks. 

S- Specific
M- Measurable
A- Attainable
R- Realistic
T- Timely

In January, I made a list of goals, that I revisited every three months, assessed and revised.  I think that this kept my goals on a timely track, but also allowed me to revise them if they were too lofty, to make them more attainable in the timeframe allowed.

In my classroom, I had students set 8 goals for themselves (they are 8th graders) and we will be revisiting these goals this week.  I wrote about it in a previous blog HERE.



As 2014 approaches, I am not only looking to sum up the status of this year's goals, but also to set new goals for my personal life, my professional life, my social life, my spiritual life, and my financial life.  I also have goals for my kids and my students and would like to help coach them to setting and striving towards meeting these goals.

Only recently, I have come across some goals that are a much smaller window:  weekly and monthly.  In my experience, those were my 'checklists' rather than what I considered goals - but I'm starting to rethink that.  As long as those items follow the SMART goal checklist, I think that goals can be both super-short and longer term goals.  (right now, for example, my super-short goal consists of finishing holiday shopping and getting my sister's packages in the mail... I have been procrastinating on this one, and time is winding down to get it delivered on time!)

What type of goals are YOU creating for yourself?  Stay tuned to find out what MY goals are for the next year (and so see if I can check them off!)

Setting Goals and Sticking to Them

As the school year is getting into full swing, I finally have a chance to comment on my goal setting strategy with my students.  The challenge, to get them to commit to EIGHT goals (Seven of which are academic) in their Interactive Notebook this year.



The introduction of this task was clear:  Eighth Graders should have EIGHT goals.  Goal setting allows you to see progress, be motivated, feel accomplished.  Goals can be LARGE items or LONG TERM GOALS (like running a 5K) or can be broken down into smaller, manageable goals or tasks or SHORT TERM GOALS (run around the block, then move up to running for 15 minutes, then for a mile...etc).  We compared this to a series of stairs.




I hope to check in with the students on these goals several times a year to check on progress.  Some ideas about motivation, is making paper chain to hang around the room as we accomplish some of these goals (as a class) to add or stickers to add to their traced hands that they posted in my classroom.

At the end of the year, I hope to have an opportunity for students to complete a Goal Board to take with them.  I found that idea from a fabulous resource Teacherspayteachers.com where my teaching colleagues can post lessons and other resources that they have created.   I also have made a template of my own Quarterly Goal spreadsheet modified for usage that is available for FREE!  We'll see how the year progresses and how these kids strive to reach those goals!

 Create A Goal Board (Smart Goals)s by The SuperHERO Teacher

Template Quarterly Goals  by Stefani's Hope

Visual Timer - my favorite clock!

One of my most favorite finds is my VISUAL TIMER that I use both at home and at school.  It has become a HUGE time management component of my eighth graders as well as the contingent I had during July in summer school.  It's sitting across from me RIGHT NOW as I type this as well!

I first saw this from Alejandra's YouTube site  http://www.youtube.com/user/HomeOrganizing and her own website.  She has some great ideas and I needed to find ways to structure my own time at home and in the classroom - to fight off those time vampires (Facebook, Email, etc) to put myself on a schedule to get things done.

My timer can be set up to sixty minutes by just sliding the plastic disk to the desired time.  Unfortunately, my students enjoy setting and resetting (especially when they're NOT supposed to!) but it since it always 'beeps' four times then stops, you don't have to stop what you're doing to turn it off. That makes it convenient to wrap up stuff and then reset it to the next option.  I like that better than other types of timers that keep going until you turn them off.  My colleagues like this one over my 'bus duty' alarm on my phone that sounds like the fire alarm.  (If I leave my phone on my desk in the morning...it continues to go off...oops!)

I also like the fact that it's NOT an overhead model.  I can prop it up on the chalkboard tray and kids in the back of the room can see it.  It also shows the time remaining in an ANALOG way... something that my kids are quite week at in this digital age (It's depressing how many fourteen-year-olds CAN'T tell time on my analog clock!!  I also still use the timer app on my phone, both this type of version and a digital version, but I'm in LOVE with this timer!  I hope to post pictures of it IN ACTION during my lab stations this year.

I bought my two from Amazon, but you can also find information about timers like these at Timetimer.com 

Enjoy! - Stefani

Top 5 to do

Back from a family-filled and relaxing vacation, and swamped with catching up on life now that I'm back home, I figured that an appropriate blog post world be about my TOP 5 on my to-do list. 

Though this changes practically daily, it gives me both immediate gratification of checking those things off my list, as well as slowing chipping away at the larger items by breaking them down into more manageable tasks.  I am a HUGE fan of checking items off of a list or erasing them off a white-board.  I am queen of the post-it notes (almost to the point of being an addict).  I think the one thing that's actually throwing 'my game' right now, is that I've had to change my systems for the last 2 weeks while being gone, and it's taking me a bit to get back into the routine.

Now, back to the list.  For example, today's TOP FIVE list consists of:

1) Wash vacation laundry (an all day task, made easier by the timer app on my phone that lets me know when both washer and dryer are done.  I am IN LOVE with this app!)

2) Pay/Record Bills (the mail was on hold until today, so this will be interesting once my mailman shows up!  Fortunately, I was able to manage both my direct deposit and schedule some bill payments while on the road via a banking app.  Love technology!)

3) Pack boys and myself for scout camp (no app for this.  However, it is broken into two phases:  kid packs; mom checks.  An all day event)

4) Make customer service calls for my home-business and catch-up on e-mails.

5) Visit my neighbor who just retired yesterday.  (ready for this since my first cup of coffee this morning, but SHE'S NOT HOME!!!)

When I'm feeling particularly sluggish or need a good pick-me up, I often make a top 10 list, but have very menial tasks or individual portions of a larger task.  This might seem mundane, but it really helps me feel accomplished during the day.  A sense of satisfaction and accomplishment can go a long way! 

Now, back to checking those things off my list!

- Stefani