Tuesday, January 1, 2019

2018 End of Year Mortgage Payoff Report


Whew, last year did not go as planned in the financial realm. Does it ever?



Our Mortgage Payoff plan got majorly derailed in July when medical emergencies began with a broken leg and continued every couple of months for the rest of the year. Insurance got way messed up and we ended up owing more than we were originally told. We did not get off to a great start in paying down our loan, but God blessed us with the money we needed to get through the year and even a good bit extra for the mortgage these last two months.

Paying off our house as quickly as possible is a big deal to us because it largely impacts our ability to stay in this area long term. The sooner we can cut our expenses, the less secular work my husband will have to do to support our ministry here, and the more time he will have to do the work of an evangelist. The final payment is a distant dream right now, but we believe it will be worth the years of penny pinching to be able to focus more on full-time work for the Church.

Here’s our End of Year Report, for my own records and accountability.

Starting Loan Amount in May 2018: $126,300

Ending Loan Amount in December 2018: $120,120.79

Originally Payoff Date: May 6, 2048 (30 Year Loan)

Current Payoff Date: February 6, 2046 (If all we did was regular payments from here on out)

Goal Payoff Date: May 6, 2025 (7 Year Loan)

Extra payments in 2018 totaled $4,735.90, shortening our loan by 27 months and reducing our interest by $13,110.57.

That’s the part I want to encourage you with. By paying less than $5,000 extra on our loan this year, we saved over $13k in interest! Our income is around $50,000, and we don’t live like paupers. A good chunk of that came from our tax return, but a lot of it was just money we kept ourselves from spending on whims and wishes.

As we all get ready for tax season, I want to challenge you to play with your numbers and see how much of your refund you might be able to put toward your house this year. Plug the numbers into the Payoff Track app and see how much even just one extra house payment will save you. It really is incredible!

While we’re not as far ahead as we had hoped to be, we’re chugging along. There were four months this year when we had zero extra to pay. In fact, in June we got ourselves into credit card debt for the first time. After we got back on top of that, we didn’t have quite as much to put toward the house as we had wanted each month, but seeing that we’ve already knocked two years off our loan is great motivation to get back on track this year.

Monday, December 31, 2018

Here's To All That Didn't Get Done In 2018




My mom made a gingerbread house with us every year that I can remember growing up. It’s a tradition I’ve carried over into my little family’s holiday celebrations. This year, however, it just didn’t happen. I kept meaning to mix up the dough and cut out pieces to create a miniature model of our new house, complete with blue frosting for our pretty blue roof. But… Life.

I’m 8 months pregnant, we’re getting ready to publish a book and launch a podcast series while also trying to design three websites, start a home business, work two part-time jobs, keep up with full-time Church work, and maintain our regular homeschooling life. There were a lot of things we enjoyed as a family over Christmas break. Making a gingerbread house from scratch was not one of them.

We DID decorate a gingerbread house. It was one of those store bought kits that my mom mailed to us. The kind that comes with the cookies already baked and ready to puzzle into place. It was fun! It was cute! But it was really eating at me that it wasn’t the way I’ve always done things. It bugged me even more that it was on my list of things to do and I didn’t get it done.

I’ve always been big on traditions. When I was a kid, it wasn’t Christmas unless Mom made her signature White Hot Chocolate recipe while we decorated the tree. Everything had to be just so or it wasn’t worth doing. As a mom of six, I’m learning to let go of my picture-perfect idea of how things are “supposed” to go and just enjoy the moments as they come.

Did my kids notice that we didn’t make the dough from scratch? No. Did they notice that the commercial frosting was full of corn syrup and tasted ten years old? Nope. Did they complain about the lack of effort that went into building the house or that it was too “easy”? Um… No.

They had a blast sticking candy to the sides and getting their hands gooey with frosting. They can’t wait to smash and eat it tonight at our New Year’s Eve party. To them, the house is as real as any other we’ve made. Thankfully, my unmet expectations didn't ruin it for them.

So, I’m letting go of the fact that this is the first year of my life that I can remember ever not making a gingerbread house from scratch. I’m also letting go of the fact that we are way behind in my son’s reading program. And that we didn’t get to go camping this year. And that I didn’t finish my 2018 New Year’s Resolution – or even get close to finishing! I’m letting go of aaallll the bazillion things that didn’t get done this year, and heading into 2019 with much fewer expectations.

I’m refocusing on the important things and realizing that I don’t have to complicate life by trying to make it “just so.” Life can really be much more simple than that. After all, “He has told you, O man, what is good; And what does the Lord require of you but to do justice, to love kindness, and to walk humbly with your God?” (Micah 6:8).

So, here’s to all that didn’t get done in 2018. And to all that probably won’t get done in 2019, let’s go ahead and acknowledge you, too. This was still a good year. Next year is still going to be a good year, even without all you little unfulfilled expectations. Some of you were things that should have been done. Some were things I’m glad didn’t end up getting done. But none of you have any impact on whether our next year is going to be full of love and kindness and justice and GOD. So, here’s a moment of silence in remembrance of all you little things that didn’t get done:


Now… Buh-Bye!

I hope all my mommy friends are headed into 2019 without the guilt of the undone, too. This next year is not defined by the last. All you did in 2018 to love you kids, bless your family, and serve God has not gone unnoticed by Him. It was work well done. Don’t throw the beauty away because it didn’t look exactly like you wanted. Dust off the unfinished and start fresh.

Happy New Year, friends!

Saturday, December 22, 2018

My Review of Rev.com and How You Can Earn Money from Home


My husband is a full-time preacher in Wisconsin. Half of our support comes from the wonderful congregation where he ministers, and the other half comes from outside support and secular jobs. Joshua drives a school bus during the week, and in between that he picks up any odd job he finds. Money is always tight, but any time we find ourselves short on funds, God provides exactly what we need.

We had four medical emergencies this year (thankfully none of them ended up being too serious), and for the first time we actually found ourselves in debt for more than just the house. In an effort to get back on top of our finances, we’ve been on the lookout for jobs Josh can work from home that won’t take too much time away from his ministry or from our family – something flexible that doesn’t require a degree (neither of us have one).

A friend recently told me about www.rev.com, a freelance company that hires you to transcribe audio clips. We applied and started working for them last week. So far, it’s been working out pretty well! It’s frustrating work at times, but it’s legitimate pay and you are free to put in as many or as few hours as you want.

To apply, go to https://www.rev.com/freelancers/transcription and sign up. You will then be asked to take a grammar test and a transcription test. The grammar test is super simple. I’m no master of the English language. Punctuation and modifiers and all… I never paid much attention to the rules. But the test they give you is really simple and you should pass with no problem. The audio test was pretty easy overall, but there are some parts that are hard to understand. We actually did have to retake the tests because we failed that part the first time. If you fail the tests, you can reapply in 45 days.


How do you get started?

Once you are accepted, you are given several training clips to transcribe. These are short clips (usually 3-5 minutes) that focus on different aspects of transcribing such as how to label speakers, what to do with poor audio quality, and shortcuts you can take while typing. Most of these were clear and easy to transcribe, but the difficulty increases the further you get into the training. Those clips are graded, and you are paid regardless of the grade you receive.

At this point you are considered a “Rookie.” After the training videos, you are given a selection of shorter clips to practice your new skills. You still receive grades and feedback on these clips, but these are the real jobs.

Once you complete 60 minutes of transcription you then become a “Revver.” As a Revver you have access to better-paying jobs and the ability to claim jobs of any length. You’ll continue to receive grades and feedback on your work.


After completing 1200 transcription minutes (and a couple of other requirements), you can become a “Revver+” As a Revver+ you gain early access to newly posted jobs and the opportunity to become a grader. You still have to maintain accuracy metrics or you will drop back down to Revver status. If your metrics drop too low you will be “fired” and your account will be closed.


How much does it pay?

As a Rookie I think we made like $0.30 per audio minute transcribed. It doesn't take long to become a Revver, at which point the pay rate increases 25% and you can make up to $1/minute. That is paid based on the audio length, though, not the actual time you put into transcribing. A minute of audio may take ten minutes to actually transcribe depending on audio quality, the speaker’s accent, etc. Sometimes you have to rewind and listen several times before you can catch what is being said, and that decreases your time/profit ratio.

The pay is not fantastic. How much you can make very much depends on your skill level and the quality of the projects you accept. But it’s flexible work, and it’s something. Most of the audio we’ve accepted so far pays about $0.60/minute. The higher paid jobs are claimed very quickly and so far we’ve rarely been able to grab anything over $0.80/minute. Receiving payment is painless. We are paid via PayPal every Monday like clockwork.

I average about 20 minutes of work for every 5 minutes of audio, or about $8-10 an hour. I type fast, but Joshua hears the audio better than I do, so when he’s not here I have to rewind a lot which makes the work painfully slow.


How does it work?

You are given a list of potential jobs to choose from. You get details on each clip like how much it pays, how soon it is due, how many speakers are involved, etc. You can preview before you claim to make sure it’s something you want to accept. You also have one hour after accepting the job to unclaim and pass it on to someone else without it counting against you.

Reasons you might unclaim the job include poor audio quality, not enough time to finish before the deadline, technical difficulties, or any other personal reasons. We’ve accepted several jobs that we’ve had to unclaim because the audio started out fine but got too hard to understand in the middle, or because the content became objectionable.

No special equipment is required, but headphones are highly recommended. All you really need is your computer and internet access. Then you just start listening to the audio clips and type what you hear. Some projects ask for verbatim transcriptions where you have to include everything exactly as you hear it (ex: [Laughter], “Um, uh, ah…”), but most let you omit filler words and interjections such as “Yeah.”

I will say that most of the audio is hard to understand. Some is impossible. The good projects are claimed very quickly, so we’ve learned to preview about five seconds of audio and then claim it before someone else does. Then, once it’s “ours” we listen to more and unclaim if it’s not something we can complete.



Is it worth it?

That depends on how much you enjoy the work and how desperate you are for income, haha. Personally, I love typing and have always enjoyed transcribing audio, so I find it relaxing. Joshua, on the other hand, gets a headache from it. I do it for fun in my free time; he does it to provide for us.

Together we made $61.46 in our training week for transcribing 141 minutes of audio. Our second week was much more profitable, earning us $127.87 for 178 audio minutes. I really don't know how much time we put into it because it varies so much every day, but I'd say probably an average of 2 hours a day. It does go faster as we get better, and it’s something we can both do as we have time. 









I like that I can get up early before the kids are awake, work on a 20 minute audio clip, and make $10-$15. Joshua usually works on his projects after the kids go to bed. On the more difficult audio, we listen together to help each other figure out what is being said, which we’ve enjoyed. It kind of makes it a game that way – a competition to see who can figure it out first, haha.

It can be very frustrating at times. It can take a while to find a clip you can understand, and sometimes a project you think is great will end up being a dud. You’ll be going along fine and then the audio will suddenly get super fuzzy for no apparent reason. Or, you’ll invest a lot of time and get halfway through the transcription only for the speaker to start throwing in curses that force you to unclaim the project. That’s maddening. You do get to learn about some pretty interesting (if random) topics, though!

Overall, I think Rev is going to work out well for us. When we decided to start looking for work-from-home jobs we knew we would need internet, which is adding $45 a month to our already strained budget. We’re committed to doing enough Rev projects to at least make the internet pay for itself, and it looks like that’s not going to be a problem at all. What we make on top of that will most likely go toward things that aren't in our regular budget like eye exams and ambulance rides.

So far Rev has been a real blessing and we are thankful to Shawna for sharing the info with us! Maybe it's something that will work for you, too!

Have you worked with Rev? What's been your experience?

Thursday, December 20, 2018

It's Beginning to Look a Lot Like Christmas with Norwex!

Last week I introduced you to a few of my favorite things - Norwex cleaning supplies! They have some really great deals going on today, so I want to let you in on what you can get when you make your order through Kylie Johnson. Check out her page kyliejohnson.norwex.biz to see all of the spectacular products Norwex has available.


But first, why do I use Norwex anyway? Because Norwex microfiber cloths remove up to 99% of bacteria WITHOUT using harmful chemicals found in most household cleaners. All I need is a cloth and water, and even my littles can safely clean!

Norwex saves money because we're not constantly restocking on papers towels and cleaning supplies. No worrying about getting to the store before we run out of all-purpose cleaner. We just grab a cloth and go.

It's also fast, which is a huge deal for moms. Being able to wipe a surface and get on with my day rather than round up several cleaning products is a time-saver. It's good for the environment, too!

The biggest thing to me is that I'm super sensitive to smells and chemicals. So, being able to pass on those perfume-laden cleaning products that give me a migraine and make me sick to my stomach is a win! I like how absorbent the cloths are, especially the dust mit which actually traps dust instead of sending it flying all over the room. Less dust and grime floating in the air means fewer allergy problems for me.

You'll want to check out these sales on Kylie's site because they're only available until NOON TODAY (Dec 20)! Once you start using Norwex you'll be hooked. Whether you're new to Norwex or whether you are a Norwex fan already, these sales are a great way to expand your collection and make your home safer and healthier!

Save 30% on deals like the Face Freshness package which includes the body cloths and the Silver Care Toothbrush. The toothbrush eliminates 99.9% of bacteria found on your toothbrush, and comes with a replaceable head - definitely something I've had my eye on!


30% off the Small Wonders package means you get a lint mit that is great for removing hair and fibers, plus Wrinkle Release Spray, the Air Freshener Bag, and the Microfiber Variety Pack.

You can also get 30% off the Kitchen Package which comes with three kitchen cloths and two kitchen towels (my personal favorite). There are several other great deals on that page, so be sure to check that out before noon today.

If you want to start smaller, I highly recommend trying out their basic EnviroCloth. This is the cloth that almost everyone starts out their Norwex collection with. It's got the BacLock antibacterial microsilver technology and works for almost anything you need to clean!

Another great starter item is the Window Cloth, or the Dryer Balls. Who hasn't wanted to try dryer balls? The Norwex dryer balls are an all natural fabric softener made of 100% wool that helps your laundry dry faster and with less static.

There are so many great Norwex options for replacing those nasty household cleaners with safe, green alternatives. I want to try them all! What's on your wish list?


[Disclaimer: This post is part of a series that received compensation. All opinions expressed are my own]

Are you a stay-at-home mom with a home business you'd like to see featured on the Beautiful Chaos blog? Send me an email at servingfromhome@gmail.com!

Wednesday, December 19, 2018

Chores for Littles - Plus a free worksheet from Education.com!


Having a large family is a lot of work. I don’t even really consider our family to be that big yet, but currently we have 21 mouths to feed in a day (7 people x 3 meals), 14 shoes to find when it’s time to go, 140 nails to clip, 1-2 daily baskets of laundry to wash and fold, and at least 14 diapers/pull-ups to change every day (and that’s about to increase by a LOT with Baby due in February).

Not so very long ago we were exhausted just trying to care for the basic needs of 5 very young children. To give you an idea of how well I was keeping up, after a visit one day a friend commented that the state of my house inspired her to go home and clean her own LOL! It was bad. As soon as I got one room clean I turned around to find the babies had destroyed another. It felt like shoveling the sidewalk in the middle of a blizzard – futile and pretty ridiculous to even attempt.

Over the last few months, things have gotten MUCH easier. The older the kids get the more they are able to help. There are still lots of times when I feel like I’m in that blizzard shoveling snow again, but we have a pretty good routine down these days and most of the time it feels like we’re at least treading water.

Saturday, December 15, 2018

This Is Adoption, Too

I'm ready to talk about adoption.

I haven't shared much about our journey since bringing Little Miss home a year and a half ago. We've been too deep in the trenches. Too mentally exhausted. Too afraid of sharing too much.

I haven't shared what it's like because, other than fellow adoptive parents, there are few people who understand. The times when I've tried to explain I've been met with blank stares or a lot of, "You're making too big a deal out of this." So, I talk to my small circle of support, and I get advice from counselors, and I pray without ceasing, and I eat a lot of chocolate.

But I'm ready to more openly share what adoption looks like in real life. Not to scare you, but to give you an honest look at both the good and the bad.

Adoption is beautiful, and terrifying, and exciting, and depressing. It is fighting to bring home a baby you've never met but whom you already love like your own. And it's getting her home only to realize that while you DO love her just as much as you love your bio kids, you also love her... differently.

Adoption is a joyful journey. There is so much to celebrate in the little victories of each day. So much love to go around. So much happiness to go along with adding another child to the home. But it's also living in a state of high alert 24/7 waiting for the next shoe to drop. That is your new normal and you learn to thrive within the catastrophes. 

Adoption is waiting out the storms. It's seeing the stress in your bio kids' eyes from listening to the screams and watching the rebellion. It's seeing behavior in your youngest that you know with 100% certainty he would never have attempted had it not been for his adopted sibling, and it's fighting resentment that she has, to an extent, stolen the innocence of her baby brother.

Adoption is spending six hours engaged in a battle over a "simple" thing like your child refusing to pick up the spoon she dropped on the floor just because you told her to. It's knowing that at times your little girl would literally rather die than submit to your authority. It's dealing with compulsive lying on an hourly basis. And it's finally, after months of struggling, finding strength in the tiniest little breakthrough.

Adoption is constantly being questioned about your parenting tactics. It's being told that she doesn't understand what you're telling her to do by people she has so thoroughly convinced that "she's still learning English" and that you are being too hard on her. It's being told that she is so sweet, so compliant, and so friendly that she can't possibly have any degree of RAD. Because they don't understand that the triangulation and manipulation are so subtle that most of the time her parents are the only ones who can see it, even when it happens right in front of other people (which, by the way, makes you as a mom feel crazy and mean and full of self-doubt). But no, she's too sweet to have RAD. They would know.

Adoption is being judged by other people for insisting that she obey fully and completely and exactly, because they don't see how she tries to maintain control by only obeying to a certain degree. To them it is "close enough." They don't understand that if you don't insist on "exactly" rather than "close" when you know what she's capable of, then she will see her parents as weak and untrustworthy and incapable of taking care of her.

Adoption is having to teach a child that it's not okay to pinch herself. It's holding a raging little girl while she hits and growls at you. It's being asked if she always smiles so much and answering honestly that she does, but being inwardly heartbroken because you know that half of the smiles are fake.

Adoption is knowing that everything you researched, all the training you received, and all the advice other adoptive parents gave you pre-adoption is true. It's also accepting that knowing it and living it are two very different things. You were prepared as much as possible for how hard it was going to be. But that doesn't make it any less hard.

Adoption is always being asked how she's doing, how she's adjusting, how she's succeeding, but rarely being asked how you're feeling, how you're adapting, or what you need.

Adoption is such a perfect picture of God's love for us, in more ways than I could possibly understand before we began this adventure. Parenting a child who fights you tooth and nail, who resists your love, and who wants to go back to what she knows as safe even if it was miserable... It gives you such a clear picture of how God must feel when we pull away from Him and long to go back into the darkness from which He drew us. Adoption is redemption, and it is so worth it. But it isn't Anne of Green Gables.

I feel like we received some of the best training an adoptive parent can get. We had three years of gathering resources, and hearing stories, and being taught by the experts. But still, nothing prepares you for that moment when you look at the child you brought into your home and you think, what have we done?

I've shared the milestones and happy moments. The shiny new wheelchair, the first steps, the funny sayings, and the heart-melting pictures. But now I'm ready to share the rest of the story. Not because I want anyone to feel sorry for us or in any way think less of my daughter. I'm not sharing to scare people away from adoption but because I want MORE people to adopt - with their eyes wide open.

This is adoption. This is real life. And this is where we need more people willing to step in. We need more people willing to adopt kids from hard places and love them through their darkest, scariest moments. And we need more people to come alongside adoptive families with understanding, supporting them without question. Without judgment. Without doubt.

So many people want to love on our little girl, and we are so grateful and blessed by that. But if you can hear this in the way it is intended: She doesn't need you, because she has us. 

But we need you.

Oh, so desperately, we need your love and your understanding, and your help. We need you to let us share what the last year has really been like. We need you to tell us that you know it's hard even if you don't know exactly what it's like, and that it's okay that we don't always get it right. And we need you to send us lots and lots of chocolate.


"But you are a chosen race, a royal priesthood, a holy nation, a people for his own possession, that you may proclaim the excellencies of him who called you out of darkness into his marvelous light" (1 Peter 2:9).

Praise be to the Father who adopted us out of darkness and into His light. He has carried us through, and we will continue to hold to His promises.

These Are a Few of My Favorite Things: Norwex + Savings!

 

I am a big fan of the products we're introducing today! As I've become increasingly aware of the damage caused by common household cleaners, I've chunked the mainstream methods in search of products that are safe for my family. I learned about Norwex last year, and since then it has been what I use for 90% of my cleaning. 

My friend Kylie Johnson, who also works with Usborne Books & More, is a Norwex consultant. She has been kind enough to share some information about Norwex and how you can get the most out of your order this month.


What is Norwex?

Norwex is a line of cleaning products designed to replace the chemical laden solutions that flood our homes. The company was started in 1994 by a Norwegian man who encouraged a "Cleaning without Chemicals" approach. He advocated using microfiber cloths and water to clean and protect our environment. 

The company quickly grew, and in 2007 they introduced the microfiber + microsilver technology known as BacLock. With proven success, the company expanded worldwide and has become a household name. Norwex is so well-known because it works so well!


What's special about Norwex?

The Norwex cloth:

  • Removes up to 99% of bacteria from a surface when following proper use and care
  • Contains BacLock® an antibacterial agent for self-cleansing purposes only
  • Helps eliminate the need for paper towels and chemical laden cleaners
  • Significantly reduces the use of costly cleaning products
  • Ultra-thick and absorbent to pick-up and hold more dust, dirt and debris than other cleaning cloths
  • Holds several times its weight in water
  • Made of more than 10 million feet of microfiber for more effective cleaning power
Microfiber cloths pick up dust and germs so well that you can even clean toilets with just the cloth and water! What's special about many of the Norwex products is that they contain microsilver, a natural agent which makes the cloth self-cleaning and helps prevent mold and odor from growing. That may sound crazy, but I am a true believer for reasons I will explain in just a moment.


What products does Norwex offer?

Norwex has every sort of cleaning cloth you could possibly need. My personal collection includes several EnviroCloths, a dust mit, a couple of window cloths, kitchen towels, netted dishcloths, body cloths, and the Spirisponge.

They also offer personal care items, products for your pets, and all kinds of things for kids. Their kids' line is full of fun colors and smaller sizes, like the little dust mit. They are the perfect size for even my three year old's little hands to use.

I have my eye on several of their products, including their renowned mop! With tile flooring in the majority of our home, I can't wait to try out their Superior Mop System.


What else is neat about Norwex?

One of the things I love about Norwex is that, because there are no chemicals involved, I can send my kids to clean without any worry of them hurting themselves. My five and six year old boys love to use the EnviroCloths to clean the bathroom. They get to play with water, and I get a sparkling clean tub!

What's my favorite product? The kitchen towel, hands down! That towel is what really made me a believer in Norwex products, and the reason is kind of embarrassing...

With a family of 7, we have to change out our bathroom hand towels every other day or so. They tend to stay damp because someone is constantly going potty and washing/drying their hands. That makes me super happy, don't get me wrong, but the damp hand towels quickly start to smell and breed bacteria.

One day I ran out of clean hand towels, so I grabbed the Norwex kitchen towel to stick in the bathroom. What initially struck me about it was how well it dries your hands. It's thin, but it is just as (or more) absorbent than regular hand towels. The second thing I noticed was how quickly the towel itself dried. Again, being thin helps with that. The third thing I didn't notice until two weeks later... 

It doesn't stink! The BacLock microsilver technology really does help it self-clean and prevent that smelly bacteria from growing - so well that it was TWO WEEKS before I realized it had been awhile since I changed out the towel. That's two weeks of being used multiple times a day by 7 people IN THE BATHROOM! It still didn't stink, but I figured it was time to clean the bathroom and give the towel a good rinsing anyway. The only thing that made me sad at that point was that I didn't have a second kitchen towel to swap it out with. That has since changed!


Where can I learn more?

To get more information and check out their complete line of products, go to kyliejohnson.norwex.biz. There you can learn more about why Norwex works so well and decide which cloth you want to order to start your collection. There are a lot of great sales this month, which you can see by clicking any of the pictures in this post. And there's still time to order me something for Christmas. Just sayin' ;-)

Are you a stay-at-home mom with a home business you'd like to see featured on the Beautiful Chaos blog? Send me an email at servingfromhome@gmail.com!