Paint It

I have repeatedly stated how much I love paint therapy, that’s what I call it anyway. Those yellow UGLY oak cabinets are no more. Sunday was the one day in the last month that it didn’t rain so I took full advantage and re-did my bathroom cabinets in a chocolate brown. They look darker in the photo I think because of the light but they are beautiful.

People listen to me, a can of paint is the cheapest way to change the look of an entire room and if you hate it just paint it again, there not a rule saying you can only have 2 coats of paint on a wall. I am not a professional and my saw horse is an old adjustable ironing board that works fantastic. You can move it up and down and it folds away after you are done. It helps that General Finishes makes milk paint. This stuff it ridiculously easy. No sanding, yes you heard me no sanding. You wipe down the cabinets with tsp and you are ready to paint.

They are not paying me to say this but I wish they would ha.. I spend the next few weeks after finishing doing some small touch up and sealing but this is just because you don’t always see areas until the cabinets are hung.

Be BOLD and Go Paint. You won’t regret it, that is everyone except my mother.

Mom please don’t paint I will help you. 


Plan and conquer

For a year we have been planning and saving to have the builder grade carpet in our living room and kitchen with a solid surface hand scraped laminate.  Yes laminate. I researched the maintenence of wood, engineered, and laminate. All wood must eventually be sanded and refinished, if you have animals scratches are a concern also, which peanut and daisy qualify. 

Let me say as much as I love diy this was not a job I wanted to do. The tearing up of the sub floor in the kitchen did not sound fun and you tube proved it. The tools needed to cut, scrape, hammer, and fit also were alot. The flooring company did a great job but you all know I got a 30% discount cause im cheap and attended the home show just for this bargain. The young man who did the work had immigrated here from Russia and at 18 started his own business showing the value of diversity in the US. Hope you love it as much as I do ​

Lessons From a Very Smart Woman


I was raised by a very smart, independent mother. Although her and my dad were married for 20 years and she was a stay at home mom before divorcing, she taught me life lessons that all woman should follow:

  1. Go to school, no one can take away your education
    1. My story- graduated with a bachelors in Computer Information
      Systems at age 37
    2. My 4 year old and a 2 year old went to night classes with me
    3. Doesn’t matter how long it takes or how difficult keep at it
  2. No job is beneath you
    1. My story- starting out at 14 working in the fields topping corn
    2. I was 4 foot 2 and couldn’t reach the tassels but they found me a job
    3. I learned a valuable lesson that hard labor was NOT what I wanted to do in life
  3. Never depend on a partner for financial support
    1. My story- I have NEVER not had a job (or at times 2 or 3) that allowed me to pay my own bills
    2. Sometimes I didn’t know how I was going to eat and pay my bills so I worked at food places (figure it out)
    3. A partner (man or woman) should be a companion who helps in the process but you should not depend on anyone else to take care of you
      1. What if they leave, what you gonna do then?
      2. This ensures you are self-sufficient and self-aware
    4. If you need help don’t be too proud to ask for it
      1. Example: the Wic program provided milk for my young boys for a year at no cost
    5. Create a budget and use the envelope system (Dave Ramsey tells you how to do this today but my mom did this before Dave was born)
      1. My story- I have a spreadsheet that shows where every dollar of my money goes every payday
      2. A meal plan will save you hundreds of dollars because you actually plan your lunch and dinner rather than guessing every day what to eat and you shop for only those ingredients
      3. The meal plan we created when our boys were at home saved us over $400 a month in groceries
      4. Put money away for emergencies- it will happen and items do break even if it’s 10 a week, the dog will get sick and the car will need new tires
      5. Plan for fun- put money away to reward yourself for doing great- date night, movie, or even a pedicure, it doesn’t have to be big but budget for it then you’re not mad when there’s nothing left at the end of the month
    6. Don’t finance if at all possible and never lease
      1. My story- I am still a work in progress on this one
        • We all know cars are not cheap and most of the time we can’t afford what we want to drive
        • Never buy a new vehicle, always buy used so someone else pays the depreciation
  1. It is possible to find great used cars with low miles at a very discounted price and don’t be afraid to ask for a lower price
    • Dealerships are in business to make money and they have some wiggle room regardless of what they tell you
    • As a woman you need to do your research because salesmen think you are stupid (sorry but true) so when you go in with nada book values and fair market pricing they can’t help but talk to you differently
    • My husband in 28 years has never bought any of our vehicles because I love the satisfaction of getting a good deal (he usually leaves when the money talk starts, and don’t be afraid to walk away)
  2. I have made up my own rule on this one, if you have to finance make double payments and try to pay the car off in 1 year or 2 at the most
  • When you lease you are making rent payments essentially and never gaining ownership of anything and the interest charges would make you pass out if you knew what they are
  1. Make a vision board not resolutions
    1. My story- I cut out pictures, quotes, or anything else I want to accomplish each year
      • These can be goals, wants, needs, anything really
      • Post them on a bulletin board and be specific about what you want to achieve
      • Put it in a place you see it everyday
        1. Mine is on the wall by the bed in my room
  1. This puts it out in the universe and helps it come to fruition
    • Don’t believe it try it what do you have to lose
    • I did this with my son’s house and his starter home was almost identical to the photo I had on my board
  2. If everything isn’t done at the end of the year that’s ok but I guarantee it will be more than you ever thought was possible without it

Make 2017 Great

 

 

 

Decorating on the cheap

I love to decorate but anyone who knows me is aware I am frugal Fran or cheap, call it what you like. So now that the holidays have arrived I wanted some festive items but didn’t want to spend but a little. Here it is, dollar store stockings, shiny trees, and Garland. Lights 1.98 lowes, huge christmas bulbs and containers goodwill for 99 cents.The tree yep i ventured out on thanksgiving and got it fo $39 plus 30% off. yes it can be cute and inexpensive. oh and I painted the cabinets with paint in the garage ,  free…..I should be a money saving guru

Wedding decisions 

Ok I’m old and it has been 26 years since I got married in a 30 dollar dress from Macys. Today I an watching say yes to the dress on tlc and these brides take all their moms, friends, critics, etc. And they are spending thousands on a dress. The friends always have an opinion and don’t like what the bride picks, really?  If you are getting married everyone elses opinion does not matter, pick the dress you love even if you look a hot mess. 

I can tell you from experience the price of the dress has nothing to do with the marriage lasting, clearly by the divorce rate in the US. I love that you want to look beautiful on the big day but that 5 grand could be the down payment on a house or payoff a credit card or car loan making marriage a whole lot easier.

I know way to practical but real people have bills and the struggle for most of us is real. Stop letting your friends dictate your choices as most of them probably wont be around in 10 years anyway, real talk.. 

Kitchen redo 101

20160730_232001When we moved into our house the first thing out of my mouth was holy yellow oak, and who would put a cabinet in the middle of a breakfast bar, so dumb.

So this week it was redone. I am cheap i admit it and i also love to paint so the choice was easy. General finishes milk paint, amazing, no sanding or priming required, just wash them down with tsp. We also took down the cabinets on the bar and turned them into a buffet, i hope you love the results cause i do.

So heres the breakdown of everything i used and costs:

1. Old ironing board in garage as my saw horse, free and it worked great

2. Qt general finishes milk paint $30, then a pint for touch up $18, qt satin finish for topcoat also general finishes $30

3. Foam rollers and foam wedge brushes, $13

Total cost $91

20160728_165135wp-image-749646362jpg.jpeg

Home Improvement

I like to think of myself as someone who can tackle most home improvements projects. Last year we laid a paver patio, replaced the garbage disposal, put up a new canopy, replaced multiple toilet rings and if you let me will paint every surface that is available. So when I think about putting on a new screen door and see the sign “45 minute EASY INSTALLATION”, of course I am on board. Let me just say 3 days later we are just now putting on the auto close spring. I for certain need to write a letter and offer to become the manual writer for the company because the instructions sucked to say the least. I love to read instructions (I know not normal) and by the time I was done with this one I wanted to set it on fire. Ikea instructions are just pictures and better than these. Oh and you need a good drill, the baby drill I had was really not adequate for the hole drilling into metal.

dorrNow that it is up and complete, if I was smart I would have taken a video to show others what the heck to do and probably provided some great entertainment in the process. My advice, if you are going to buy a screen door pay the 99 bucks and have it installed, it’ll be the best money you ever spent ;0)

Happy New Year

I have never been someone who makes New Years resolutions because I believe that each day you have the opportunity at anytime to make a change, so each year I use January as a time to create new goals and update my vision board. Last year I completed 3 of the things on my vision board, yep that’s right my student loans are a wrap, that’s right zero, goose egg, nada. I also secured a new fantastic job in a new state and moved across the country. In my opinion these 3 are fantastic accomplishments but I want to encourage everyone to continually strive for more. In 2015 most of my goals have to do with paying OFF anything that has a credit line attached to it, this includes cards, cars, loans, etc. By doing this I will be in a position to search for a new home to buy with no other financial responsibilities, now how nice would that be? Now to the fun stuff, laugh a lot, hike as many different trails in Oregon as possible, rent a vintage rv in the willamette valley with the family and try a new wine once a week. You all know, I like my wine… As a mom, my goal is to allow my sons who are grown to develop into successful men without my input or help. Ok I’m a control freak and this is oh oh so difficult but that is how I became independent and driven and I am certain this will help them too. So here’s to a great New Year, write your success one day at a time

Committ and Get Rid of the Clutter

th

I posted last week all the stuff (clutter I call it) that we don’t use in our house, including 2 spare beds, 3 dressers, tables, you name it I listed it for sale. All of it gone as of yesterday. Three credit cards paid in full from the proceeds, yeah it’s on… I’m not sure my husband is feeling so great about all the stuff being carted out but I don’t have an attachment to stuff. Ok I sold a bed, one more thing I don’t have to worry about moving. Then there is the questions, why are you so gungho on getting rid of stuff, aren’t you moving to fast? Really? So here’s the answer NO, NO, and NO. If you are going to committ to something do it, why do anything halfway. I am excited about having zero debt and am motivated so just be quiet and get on board or I might sell you too, ha.

Get Gazelle Intense

gazelle-leaping

I knew this year was going to bring BIG changes but I had no idea how big they would be. Yesterday my husband and I had a long discussion and determined it was time for him to give notice at his job (doesn’t have another one waiting) so he can focus on truly finding a position that utilizes his many degree’s and skill set. I know you all are saying you’re crazy, yep we are and we are huge fans of Dave Ramsey so if you follow him the next decision should not surprise you.
We also decided to have a realtor come out on Friday and evaluate our house to put on the market. Our kids have been gone for years, they are not moving back to Idaho, so a 4 bedroom, 3 bath house for us two doesn’t make much sense at this point. On the market it goes in August.
We have decided to sell EVERYTHING in the house, couches, beds, tables, rugs, pictures, the whole enchilada and only move our clothes and pots/ pans. We will use this money to eliminate debt.
• Whatever we make we are using to pay off credit cards, student loans, and the last balance on our vehicle.
• I have cancelled my contributions temporarily to my retirement plan, this money also will go to eliminate every single debt that remains. (Dave Ramsey, I’m listening)
• We are getting Gazelle intense and are going to live like no one else.
I can’t say that I am not scared because I am. We have not rented in 25 years so the thought of having to share a wall with someone is interesting at best and we have 2 little dogs so that will make it even more exciting. But the way I see it if you are afraid of change you can never grow. Here’s to a sensational next 3 months…