2023 Totals

$13,325.29 gross
$9,455.82 net

$1,608.44 Cost of goods sold for the year

My average monthly profit was $787.99 with my lowest month being $610 and my best month being $1,033.

For 2024, my goal is a monthly profit of at least $600 and to get my average daily sales up to 2 items. My 90-day running total right now is 142 so about 1.58 items/day.

I wrote a long post earlier today and when I hit submit it disappeared so I'll try to recreate it (and I'm doing it in my word processor this time just in case).

It's not quite time for the year-end wrap up post but figured I'd give some updates.

All is going pretty well. I'm finishing up my first full year of “semi-retirement”. I'm really not sure what else to call it. I went per diem in August 2022 meaning I no longer have a set schedule or required hours. Technically I am required to work 24 hours every 12 weeks but unless I consistently miss that mark, nobody will say anything. I've mostly worked 8 hrs/wk this year, some weeks 4, a couple of weeks 12, and several weeks zero. My plan for 2024 is to cut back to 4 hrs/wk. I just chose my January shifts yesterday so 16 hours scheduled for the month.

My wife is doing well and finally back in good health. Not 100% and never will be after 2 back surgeries and a lung surgery but her most recent labs had her inflammatory marker (C-reactive protein) normal for the first time since this began in early 2021. She has been crocheting up a storm, did quite well at a local craft fair in October, and has made numerous other sales, especially to our daughter's co-workers who keep ordering stuff from her.

Our daughter is enjoying her job and they love her. She's gradually taken on more responsibilities and helped them streamline workflow and improve processes.

My mom turned 93 in August. She's having more trouble with her back and an MRI in October showed a new herniated disc. She's had a couple more epidural injections since then but those really don't help. The only thing that helps a herniated disc, other than surgery, is time. It can take 4-6 months or more for those to heal. It's made it harder for her to manage and we finally increased her aide to 3 days a week and we are going over there more frequently to help out.

My ebay business is cruising along well. I have a running thread on the forums where I give monthly totals and periodic updates if anyone wants details. I enjoy going to the estate sales and finding treasures that I can flip for good profits. This year I had several of my all-time best sales so I must be on the right track.

Between my wife's health and my mom's, we didn't do any major traveling this year. We did try to do a number of day trips and earlier in the year a few overnight getaways. We have a trip planned to Riviera Maya in late February. I'm hoping things are stable here and that we are able to go as scheduled. It's a group of us going to celebrate a friend's 50^th birthday.

Speaking of birthdays, my wife turned 60 last Sunday and we had a party for her the day before at a local distillery that we really like. The 3 of us along with 14 friends had a good time celebrating her.

The other thing we did this past week was sign up for new health insurance through the ACA. The premium will be about $1,000 less than we've been paying on COBRA though the out of pocket costs will be higher so that will be offset somewhat.

I'm looking forward to tallying up the year-end numbers for our portfolio, our spending, my ebay business, and everything else. At this point, I've got a pretty firm grasp on it all already but want to see the final numbers.

I guess that's all for now. I'll post again in January with a full 2023 wrap up.

I reviewed our 8/31 Vanguard statements this morning. Year to date as of 8/31/23, our Vanguard accounts generated a combined $37,135.13 in investment income (interest, dividends, capital gains). If I extrapolate that out (which isn't quite how it works), that would mean about $55,700 for the year.

About 68% of our total portfolio is with Vanguard. I haven't looked at the other 32%, and a lot of that is taxable mutual funds that will pay out most of their income in December, but let's say another 20K comes from there.

That would mean around $75,000 total portfolio income for the year. I'm on track to make about $72,000 at work, though that might come in lower as I'm thinking about working even less than I already do. Add another $8,000 from ebay. That brings us to $155,000 for the year approximately. That should exceed our spending, which is partly why I'm considering working fewer hours. I think more like $130-140,000 would cover everything.

Since this is the first full year that I'm per diem, I'm really trying to see where everything falls. I won't know fully until after we do our 2023 taxes next spring, though.

I'm not very good at this blogging thing.

Life is cruising along okay. Since my last post in February, my wife was in the hospital again in March for a flare up of the infection around her spine. She had surgery to remove the hardware put it last year in case that was the source of lingering infection. She then did 9 weeks of IV antibiotics (as well as having a drain in the abscess for 6 weeks) and is now on daily oral antibiotics for at least a year. She has been seen by her spine surgeon, 2 different cardiothoracic surgeons, a neurosurgeon, and her infectious disease doctor. Everyone agrees that surgery to get to the abscess isn't indicated. With the hardware out, they feel her body will resolve what remains. She's getting labs every couple of weeks and has a CT scheduled for August. The really good news is she feels terrific, the best she has since the whole back issue started in fall of 2021. She's not 100% yet but she's doing PT and getting back to the gym and overall feels pretty normal.

I continue to work per diem, mostly doing 8 hours a week in the form of 2 four-hour shifts, usually Saturday and Sunday mornings but occassionally a weekday shift. I like the weekends best because the pay is much higher.

I'm still actively selling on ebay. Year to date I've had sales of about $6,000 gross/$4,000 net which is ahead of my goal of $500/month net. I logged my 4th highest sale ever a couple of weeks ago selling an item for $477.77 that I bought a week earlier for $8. Back in March I had my 3rd highest sale at $499. I go to one or two estate sales nearly every week and really enjoy that.

We had a big household expense this week. Our dryer started making a weird noise a few days ago. I opened it up yesterday to see if it was a DIY project I wanted to tackle. I didn't definitely identify the issue but I think it is a problem with the drum rollers. Fixing those means fully disassembling the unit, taking off the belts, removing the drum, etc. I just don't want to work that hard on a 10-year-old dryer so I agreed it was time for a new one. Of course, DW figured we should buy a new washer while we're at it. That's just as old, or maybe older, has rust around the top of the tub, and sometimes doesn't drain right after a cycle. I've DIY'ed that one before to fix something else (door switch assembly) so it's about time. We headed to Lowe's today and bought a new set. All in with delivery and removal and hoses and such, it came to about $1,500. We went with the pretty basic ones, not the ones with all the fancy electronics and stuff. Those are supposed to come on Thursday. While we were there, we also bought a new water cooler. Ours is pretty old and the great feature of the new one is that it is bottom-loading. I don't have to carry and flip the bottle onto it anymore, which occasionally results in some water spilling around it. That was another $200.

Otherwise things are doing pretty well. My mom is still plugging along at almost 93. Slowly declining which is hard to watch and deal with but such is life. Our daughter just celebrated 1 year at her job. She's stressed a lot which has been aggravated by her therapist being on maternity leave the past few months. Thankfully she starts back in therapy in 2 weeks. I'm hoping that gets her back on track fairly quickly.

That's enough for now. I'll try and update more regularly. I just forget about doing it.

Wow. My last post was in November. So much has happened since then, both good and bad.

I mentioned in my last post that my wife was having surgery on December 7. That happened and went relatively smoothly. The surgeon took skin and muscle from her left leg to graft onto her face. The face has been healing up nicely and really didn't give her any trouble at all. The harvest site on the leg, however, was/is much more challenging. That was very painful. It's slowly gotten better but is still not pain-free. Also, the skin continues to get irritated and blister so she still needs to cover it with a bandage when she puts most pants on, but it's ever so gradually getting better.

Since we lost 2020 and 2021 to COVID and 2022 to DW's illness, we decided that starting last month we were going to do at least a short trip somewhere every month. In January, we went to Delaware. We stayed close to the big mall there so plenty of shopping and dining around. There is also a casino nearby and we stopped there for a bit. DW's sister and brother-in-law also live not far from there in Maryland and we met up with them for dinner one night. This month we went into Pennsylvania. Again just shopping and dining and relaxing plus we had show tickets at a regional theater that we enjoy.

For March, we were going to go to Hershey, PA, but I think we're changing our plans. We have good friends in Maryland who run the high school theater program at their school and they have a show that weekend. We've always said we needed to go see one of their shows and I think we're finally doing it. Another couple (mutual friends) from PA is going to come also.

My mom ended up in the hospital for a few days a week ago Sunday. Turned out that her blood pressure was just running high so they adjusted her medicines. Everything else checked out okay thankfully.

Then 2 days after my mom came home, DW got a call that her sister had a stroke. We didn't have any details at first but not long after her husband called back to say that she wasn't going to make it and to come to the hospital. We got right over there as we were only 15-20 minutes away. Her mother came also. Once we were all there, we all agreed that her sister wouldn't want to have her life prolonged artificially and life support was withdrawn about 8 pm and she died just after 11:30 pm. She was 64. Funeral was on Monday and despite the circumstances, it was nice to see some friends and family we haven't seen for a while. So we're dealing with that right now.

I'm still working urgent care generally 8 hrs/wk. I'm still selling on ebay regularly. For 2022, my total sales came to nearly $14,000. My profit was well over my goal of $6,000. I've kept the same goal of $ 500/mo profit for 2023 and so far I'm on track having made $610 in January and $564 in February with a few days to go.

I think that's all the major stuff to report.

I realized the other day that I haven't posted for quite a while. Apparently it's been 4 months. Oops. Life has been rather crazy, both good and bad.

At the beginning of August, I switched to per diem status at work. That means I no longer have scheduled shifts (or guaranteed hours). I am able to look at the schedule, see open shifts, and pick them up when and where I want to. I've basically been working two 4-hour shifts a week since then. It's very nice. Four hours is easy even when the place is crazy. I only take 9-1 any day or 1-5 on weekdays. I don't take 1-5 on weekends or 5-9 on weekdays so I'm not there for closing. One of the things I really hated about the job was the stress and pressure to get done on time when we were swamped with patients so I just decided I'd never take those shifts again if possible.

Open shifts are predominantly on the weekends, which is fine with me. Saturday and Sunday don't hold any magic for us. I'm just as happy being off during the week when everyone else is working. The added benefit to taking weekend shifts is that the hourly rate is 10% higher and there is a incentive bonus on top of that since they have so much trouble filling those shifts. I end up making about 37% more per hour from weekend shifts.

My wife is doing fairly well with her recovery from her back surgery and lung surgery. Still not 100% but much better. However, she developed another problem that is probably related. I'm not sure how much I've talked about this in the past but my wife is a childhood cancer survivor. She had a tumor behind her left eye when she was four that was successfully treated with then-experimental radiation. It cured the cancer but damaged the surrounding tissue as well as her left eye, which eventually got removed when she was 20 (there's more to the story but not relevant here). Anyway, she developed an infection of the skin of the eye socket. It didn't fully respond to 2 or 3 rounds of oral antibiotics. Then she did 2 weeks of IV antibiotics which finally took care of the infection but the whole episode with the skin swelling and irritation resulted in a tear in the skin that can't heal. So on 12/7 she's having surgery to get a skin graft to fix that. The surgeon expects her to be in the hospital for about a week. I'm super worried about that going well so lots of stress here lately.

On the happy side, both DW and DD got new cars recently. My wife's 2011 Sienna was not aging well. The pain on the roof was very worn, some rust had started in a few spots, and the moulding around the windshield and a couple of other places was rotting away. She bought a 2019 Subaru Forester from Carmax 2 weeks ago and is very happy with it. DD had a 2010 Hyundai Accent. Not a ton of miles but also starting to have a series of issues - broken hood release, dying power window motor, issues with the stereo, etc. All fixable things but we didn't feel it was worth puttting $1-2,000 into a 13-year-old car. Plus we really liked the idea of her having some of the newer safety features. So she got herself a 2018 Hyundai Elantra from Carvana. It was pretty neat doing everything online and having them deliver the car to the house.

I'm still hard at work with ebay and have been doing very well. I'm enjoying going to the estate sales pretty much every week, the yard sales during the season, and getting stuff for free online that people are giving away. Year to date, I've grossed just over $12,000 with profit of just under $9,000 which I'm very happy with. My goal was to earn at least $500/month profit and I've actually averaged over $800.

I think that's the big stuff that's been going on lately.

I hope everyone has a great Thanksgiving and wonderful holidays.

Things have been cruising along pretty well.

Thankfully my wife is feeling much better. Not 100% pain-free but able to do just about everything pretty normally. She's downstairs sewing as I type this.

We were able to go away for a few days earlier this month for our 30th anniversary. It wasn't the 2-week land/sea Alaska trip we had planned, but we had a really nice time just getting away and spending quality time together.

My last day of part time work is rapidly approaching. August 4 is my last shift and I officially become per diem on August 7. I've scheduled myself for 8 or 12 hours a week for the 5 weeks after that, either two 4 hour shifts or one 8 and one 4. One thing I'm planning to avoid is closing shifts as I find those the most stressful. So I'll be dropping from 3 days a week to 2 days a week which will be nice.

I've been getting more and more active with ebay, which has been the plan all along. This past week was very good as I sold 21 items this past week which I'm sure is the most I've ever done. My rolling 90-day sales jumped to 104 items. Averaging 1 item/day had been one of my goals and I hit it and blew right past it last week.

I continue to shop at estate sales and have gotten pickier about what I buy while also being open to buying more at one time. I've been working to increase the average sale price of my items which has been going pretty well. I'm not totally avoiding lower priced things as they can help provide steady cash flow but I have been moving into more items in the $30-50 and up range and less in the $15 and lower range.

Not too much else going on. All the usual stuff dealing with family, helping my mom (who will be 92 next week), and such. We have finally been getting back to some sort of social life after 2+ years of doing very little due to COVID. We had dinner with friends the other night, we're going out tonight with 2 other couples, and we have plans to meet other friends for dinner this week. It's nice to be seeing people again.

Somehow I've forgotten to blog for a while so here's an update on my ebay progress this year.

I haven't blogged for a few weeks with good reason. My wife ended up in the hospital on 4/23 and was there for 19 days. To keep it short, she developed a serious infection in and around her spine and related fluid in her left lung. She had major surgery on her back to clean it out and rebuild and stabilize her spine. She had a total of 3 procedures, 1 minor, 1 intermediate, and finally 1 more extensive to fix the lung issue. Spent 4 days in ICU post-op. Got 3 transfusions. Came home last week with a PICC line and IV antibiotics for a few more weeks.

As you can imagine, it was a major ordeal for all of us. On top of that whole mess, my mom got admitted during that same period for mild heart failure. Same hospital fortunately, so I was constantly going back and forth between their rooms. DW came home on Wednesday. Mom came home on Thursday. So I've been busy coordinating their home care needs since.

Anyway, both are now recovering and doing okay. Both have a visiting nurse and physical therapy at home. In a couple more weeks, DW will likly start outpatient PT for her back rehab.

Incidentally, as of now, the billing for DW's hospitalization stands at around $730,000. Insurance has already taken care of most of that but there is still some stuff that hasn't settled. It's only been a week, though, so I'm hopeful that the remainder will work its way through the system and get paid as well. We may end up owing something but we're hoping it won't be a major amount.

I put my ebay sales on vacation mode for a week when DW was first admitted. Once it became clear that she would be there quite a while, I restarted sales but only listed an item here and there so I was making and shipping sales but wasn't doing much to keep it going until after she got home. There just weren't enough hours in the day.

For the 2nd quarter so far, I have done $1,042.36 in sales and $679.42 in profit. That brings my YTD numbers to $2,657.35 in sales and $1,795.94 in profit. Considering my goal back in January was to average $200/month profit, I certainly can't complain as I'm actually averaging $359/month even with pausing for a few weeks with my wife's illness.

I haven't gotten an official end date for my part time contract at work so I'm still assuming it will be August 6. That means I've got 31 shifts left to work before I change to per diem. With the latest COVID surge hitting full force, I can't wait to cut back to 4-hour shifts. My site saw 69 patients yesterday which is a lot for us. I'm hoping this wave dies down quickly but right now there's no sign of that happening so we're all working our butts off again thanks to elimination of mask mandates and so many people just not caring anymore.

I realized I didn't post last week. Happy Passover and Easter to all.

My year to date sales total is $2,034.12.

YTD profit is $1,366.56.

I went to several estate and yard sales this weekend but the results were disappointing. I only picked up 3 items on Friday but nothing major.

I did spend a good amount of time in the garage Friday and Saturday and put together 2 boxes of stuff to list for sale. I listed 5 items yesterday and will do more today. Hopefully some of those will generate some sales. The past week was pretty slow, though other sellers in my Facebook groups have said the same. Probably due to the holidays and people doing their taxes.

I've been a collectibles dealer since 1986 and an ebay seller since 1997 but was relatively dormant for many years as work and life kept me busy with other things. It's been my plan all along for my retirement "job" to be getting back to my collectibles business. I started selling again toward the end of the summer with a lot of the stuff I got when I cleaned out my cousin's house, and I've moved on to a lot of the stuff we already had that needed to be sold.

My 90-day running sales total is currently $1,364.61 and $958.30 YTD.

My goal for now, while I'm still working, is to earn at least $200/mo. after expenses. Right now I'm at $687.89 YTD so already ahead of my goal.

Something I didn't really think I would do quite yet was to start buying items to resell again, but I've gone down that road, too. In the past 3 weeks, I've gone to several estate sales. I struck out at some but did buy several items at others. So far, I've bought 7 items and already sold 4 of them, so not a bad track record in a short time. I'm hoping that once yard sale season gets going, I'll find more merchandise at better prices as the estate sales tend to be more costly. I think some of those organizers price the stuff based on  the highest prices they see on ebay. Great if they can get it, but I certainly can't pay full retail price if I want to resell the stuff.

That's all for now. I'll update periodically with my progress. If you're an ebay seller too, I'd love to hear how you're making out.

We did something today that we haven't done for 25 years - bought a new bed. DW has been wanting a new mattress for ages but I've put it off because I'm cheap and sleep just fine on the one we have. However since she hurt her back in October, she hasn't been able to sleep in bed. She just can't get comfortable and it doesn't give her enough support. She's been sleeping downstairs on the loveseat propped up with pillows. Not a good long term solution. We were hoping she'd be better by now but since she's not, it was time to go another route.

She did a bunch of research and decided on a hybrid memory foam/spring mattress. The main thing would be an adjustable base so she could raise the head of the bed rather than propping up on pillows. Honestly, I'll like that too as watching TV in bed or even doing stuff on my phone means propping up awkwardly which tends to hurt my neck.

We headed off to a local shop today. They were still running their Presidents Day sale. We tried several options and agreed on one and placed the order. It should be delivered on Tuesday. We got split twin XLs since we have a king bed but need to be able to adjust them independently so she can sleep propped up and I can sleep flat. Of course, that raised the price, but it's the only workable solution.

After lunch, I made a pot of chili as we were out. That will be dinner tonight and 5 containers went into the freezer.

Ebay has been busy. I'm up to 82 active listings. My 90-day sales total is $1,039. My current goal is to make at least $200/mo after expenses and YTD I'm already at $505 so I should have no trouble passing $600 before the end of March. I already have $21 in bids right now.

Although the primary goal is to clear out the basement and garage, I've also started going to estate sales, being very selective in what I buy to resell. Two weeks ago, I went to my first one and bought 6 items for $14. I've already sold 2 for $40. Thursday I went to one and spent $3 for one item which I sold last night for $25. Not a bad track record so far.

Things are cruising along reasonably well. I've adjusted well to working part time. At first it didn't seem much different. It took me a few weeks to adjust my schedule and stop feeling like I had to cram things into the 3 days I was off since I now have a whole 4th day free. Plus 2 days a week I don't go in until 1pm so I've got those mornings free now too.

Still, I'm constantly running the numbers to see when it is reasonable for me to drop to per diem and just work when I want to. I'm thinking that if I can pick up at least enough shifts to earn what we will be spending on health insurance, that would be perfect.

I'm not sure if I mentioned this in my blog (I know I've talked about it on the forums) but my wife developed back trouble at the end of October so we've been dealing with that. She's had 3 epidural injections and is having facet joint injections on Friday. She's better than she was but still nowhere near normal. Because of that, I don't really want to switch insurance plans now, which we'd need to do if I stopped working part time. We could do COBRA but that's super expensive so not really a good option. Hopefully, things will turn around over the next few months and she'll be better so switching coverage won't be a big concern anymore.

I've been much more active on ebay, which was my intent when I started working less. I currently have 72 items listed (plus 10-20 on Marketplace). Just this morning, for the first time in a long time, I bought some stuff to resell from an estate sale. While we still have plenty of stuff in the house for me to sell, I also know that if I want ebay to become a meaningful source of retirement income, I'm going to need to buy stock. I spent $14 today on 6 items that should bring in $100 or more. We shall see.

We have a cruise booked for August so we're hoping both that COVID is under control and that DW is physically able to do it.

I'm taking our tax stuff to the CPA on Tuesday. This year is complicated as it's our normal personal return, a final return for my cousin, and an estate return. I have no idea what that will all look like, if we'll owe, if we'll get money back, or what. So I kind of feel like I'm in limbo at the moment as far as making any big financial decisions until that's all done and I know where we stand.

Plenty of other things happening, but that's enough for now.

It's been over a month since my last entry. Time for an update.

I did return to Florida where I spent about 2 more weeks finishing up. Donated a bunch more stuff. Got the house ready to sell. Met with the realtor. A guy who lives in the neighborhood and knew my cousin had a sister in NY interested in the house. I had her and a couple of others excluded from the realtor contract. She flew down to see the house while we were there (my wife joined me partway through) and made a cash offer for just over our asking price. We're on track to close on Tuesday as far as I know.

We rented a truck and packed up a bunch of stuff that we wanted to bring home and drove back 7/14-7/15. I returned to work on 7/17.

Work has been nuts thanks to COVID and the fact that they closed one of our 8 sites at the end of May. At my primary site, we've had several days where we've seen over 70 patients which is a lot. 50s to 60ish had been the norm. We all can't wait for COVID to settle down but this particular location is also in an area with high anti-vax sentiment and "free-dumb" folks. Even a number of the staff members are anti-vax which just drives me nuts. How can you be on the front line of the pandemic seeing COVID patients every single day and still not see the value in the vaccine? Thankfully, our job has made the vaccine mandatory. We must be fully vaccinated by September 15. A bunch of people have quit as a result, though I'm not sure where they're planning to go since most other health systems are doing the same thing, but at least I won't be stuck with them anymore.

Big news on the job front is that I officially gave notice to drop to part time. I don't have an effective date yet. My contract requires 120 days notice so it could be as late as December 1. They handle that on a case by case basis so it could be before that. I know they have per diem providers waiting for hours to open up so if they can fill my spot easily, they might let me out of the contract early.

I'll go from 36 hours to 24. I'll still have medical benefits but at a slightly higher rate (about $70/month). And I'll still have the option of picking up extra hours whenever I'd like based on availability. I'll definitely do that for a while because I owe them about 80 hours. My leave of absence used up all of my PTO but we have a couple of trips planned in the fall that I'm still taking so I have to make up that time. Also, if I pick up 4 hours a week, I'd make some extra money and still be doing 8 hours less than I had been. One nice thing, hopefully, is that I won't be working 12-hour days anymore. I requested three 8-hour shifts for my 24 hour week.

Hopefully, the house closes as scheduled on Tuesday. That will be the last big piece of the estate. Then I just have to wait for the probate process to end in early October before the funds can be distributed to me.

I've been staying active listing stuff on ebay since a lot of what came home from Florida is items I wanted to sell. I've got about a dozen listings going and have already sold several. Little by little, I'll work through it all. Once I go part time, I plan to devote more time to the sales.

I think that's about it for now.