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Update to stuff

June 13th, 2013 at 06:07 am

Well my wife is officially unemployed. Her last day was May 30. I ran the numbers and her average monthly take home pay was $385. On top of that, a total (with match) of $480 was going into her 401k, so $865 total that we're down as a result.

We're addressing that in a few ways. We are tightening up the spending particularly in the area of groceries and dining out. We have typically averaged about $300/month eating out. For the past few weeks, we have cut that back significantly and have been doing a lot more cooking at home. For example, I used to go straight from my office to our synagogue on nights when I had meetings and I'd stop and pick up dinner on the way. Now, I've been stopping at home and getting dinner there instead so that probably costs $2-3 instead of $8-10 when I'd eat out.

We've also started using coupons which I haven't really been in the habit of doing for a while. It saves $2-3/week but it all counts and all adds up.

I've been more careful about where I buy gas and have been paying cash a lot more since many stations charge more for credit. I used to stick to stations that charged the same for cash or credit. The problem has become that those stations are charging more. So instead of $3.33 for cash and credit, I'm going to the station that is $3.27 for cash and $3.37 for credit and paying cash. Again, not a big savings but it's something.

The main thing I'm doing is really focusing on my survey participation. It's probably too soon to make a dependable prediction but I've started tracking my actual surveys done. Previously, I only tracked the money when it actually comes in.

For the week of May 27, I did $291 worth of surveys.
For the week of June 3, I did $210 worth of surveys.
For the week of June 10, I've done $185 worth of surveys and the week isn't over yet.
I also do an ongoing survey that pays me $150/month which works out to $34/week.
So for the past 3 weeks, that means I've generated a total of $788. That's a weekly average of $262.66. Multiplied out for a year, that's $13,659. I realize I can't really extrapolate based on less than 3 weeks of data but there is certainly a high probability that I will earn more in 2013 than I was shooting for originally (8K). At that rate, I could earn almost 8K just from June to December and I already took in $3,000 through March, so 10-11K for the year is certainly doable.

This also includes only online surveys. I regularly get invited to do in-person studies but don't usually get to them for scheduling reasons. I'm paying more attention to those and trying to find ones that I can work around to do. Even if I could only do one every 2-3 months, it could add another thousand or more to my total.

On my wife's end, she is doing the sewing/quilting thing and has already sold 20 or more items. A friend bought 9 $5 tote bags from her yesterday for teacher gifts plus a $60 patchwork beach bag for herself. Our neighbor bought an iPad cover for a gift and a Kindle cover for herself. And there have been numerous other sales so that's doing well so far.

I'll post at the end of the month with the monthly survey total as always. I'm at $322 so far so it should be good.

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