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2014 Third Quarter Business and Personal Finance Goals Update

I changed my goals for 2014, going with 3 goals that keep us accountable both on a personal and business level. We’re into the home stretch now, so let’s see how we’re doing and if we can finish the year off strong.

As always, I am leaving out steps on the way to achieving my goals (like fully funding out Roth IRAs and contributing to 401(k)s) because they would have simply been checkboxes. I don’t believe in setting goals that are more of a given than anything else. It’s not impressive to make a long list of achievable goals and when you accomplish 18 out of 20, to claim that 90% were completed when those last 2 might have been the most important.

1. Grow My Blog Carnival Submission Service To Over $500/Month

This has been stagnant, but something I’m ok with. I don’t see a huge opportunity to grow the business, and the time that would be required to grow this to $500/month might outweigh the benefit.I definitely haven’t put in effort to recruit new users, for a few reasons: I have been lazy and haven’t made it a priority, and I don’t want to step on the toes of friends and other bloggers who have similar services. It does seem like a few carnivals have stopped in the past few months, and for some, it’s been harder to find hosts. If I see things go back to normal and bloggers are more willing to host, I will renew my search for new users.

2. Create At Least Two New Streams Of Income That Bring In $100 Per Month.

At the beginning of the year, I said I had an idea for one of these income streams, and in March, I achieved that mark. With a friend, we buy some items in bulk and resell them individually for more on eBay. It worked very well, but due to circumstances outside of our control, we had to shut the operation down. It was a great run while it lasted and netted me more than $1,200 (or $100/month for a whole year), so I’m going to consider that a success. It certainly wasn’t a failure, or if it was, I hope all my ventures “fail” as spectacularly as this one did.

My perk farm is now earning about $150/month, so that is a huge check mark. It involves very little work and has a low barrier to entry (and anyone can do). Check out that post if you’d like to earn that much, too!

Other that that, I’ve got one last idea in the works. It’s no sure thing, but it is something that I want to try out to see if it has the potential that I think it might. Sorry for the lack of details!

3. Keep Discretionary Spending to 105% of 2013 Levels

In the 3rd quarter, our discretionary spending was 22% higher than the first quarter, and a whopping 37% increase over our second quarter of 2013. This was caused by a huge $3,000+ international round-trip flights we booked for November. We’ll be traveling around Italy for a week before heading to Israel for a few more days. It’s a lot of money, but it will be a lot of fun and I wouldn’t miss it for the world. For the year, we’ve spent 22% more than last year at this time, which comes down to less than 4% when that single transaction was excluded. 5% was a stretch considering two international trips, but other than those we’re doing awesome (and we aren’t going to change plans to hit a goal).

As a reminder, our new car is not included in this calculation (we decided to pay it off over 5 years instead of paying in cash). Our typical grocery bill, insurance, charity, tuition and student loan payments, rent, and utilities won’t count toward this goal, but everything else does. We want to see if we can keep our discretionary spending in check, because that’s all we can really control.

I’m not terribly excited that we spent more this year than last, and I don’t think our spending is out of control. Hopefully we can finish 2014 strong (but we still have to book a hotel in Florence and traveling itself won’t be cheap)!

Rating Our Progress So Far

I’m definitely encouraged this quarter by the business progress, having a few extra streams of income, even if they’re temporary, definitely takes the sting out of spending a bit more. We have some room for improvement, so our work is definitely not done. Overall, I’m pleased by our progress and performance, and am looking forward to more of the same!

How are you doing on your goals so far? Where are you succeeding?

How To Move as Cheaply as Possible

It takes a very special soul to actually enjoy moving. From sorting to packing to moving to unpacking and all of the hassles and unexpected issues that inevitably pop up along the way, moving is a complicated, time consuming and (often) expensive endeavor. In this article we are going to talk about how to move as cheaply and efficiently as possible—even when part of your moving adventure includes moving a home office or home based business!

Start Early

Do you know when it’s time to start working on your move? As soon as you make the concrete decision to move. Yes, you need to start your move prep even before you have secured housing and/or office space. Yes, even if you know you won’t be able to start scouting housing in the new town or neighborhood for another six months. Start doing your research now. Start collecting moving materials now. Most importantly, start sorting now (more on that in a minute).

Research Mode

There are two stages to moving research. The “I don’t know when I’m moving” stage that helps you formulate the skeleton of your move and the “now I need to get my move all set up” stage when you know when and to where you’ll be moving.

I don’t know when I’m moving

This is the research you do when you make the decision to move on your own and you don’t have a pre-determined timeline or deadline to meet. During this phase you’ll be researching your new neighborhood or city. You’ll look at the average cost of living, check out housing prices/rates, etc. and figure out how much money you’ll need to have on hand before you can move.

Setting up the move itself

When you have a definite date for your move, you can do the more “concrete” research. You can start actually getting moving quotes from United Van Lines or whatever moving service you’re using, as well as local storage spaces (if you’ll be downsizing your floor plan), professional cleaners etc.

PRO TIP: The earlier you can book people like movers and cleaners, the cheaper the rate tends to be.

Sorting Everything

It is important, whether you’re moving house or office (or both, as the case may be) that you sort through everything. If part of your move includes a business space, make sure you heed any local (both current and your new locality) laws regarding the keeping of paperwork and records. Beyond that, be ruthless. The fewer things you have to pack, the cheaper and easier your move will be.

Here is what you should take with you: stuff you use every day, stuff you use at least once a year (like holiday decorations), stuff that has tremendous sentimental value, stuff that will get you written out of the will if you donate it to Goodwill. That’s it.

Everything else—clothes you haven’t worn in five years, stuff you forgot you had, things you’ve outgrown, etc.—can be sold (to help earn money to negate the cost of your move) or donated to local second hand shops (usually for a tax write off).

For businesses, you can donate any unused office supplies or equipment to local schools and get a great break on your taxes.

Packing

If you are hiring movers, it is okay to pack for space instead of weight. If you will be doing the heavy lifting, you’ll want to make the boxes as easy to carry as possible. This might mean that you need a larger van but you’ll be glad you shelled out the extra dough when you don’t have to pay through the nose for hernia surgery.

Pro Tip: Do not buy packing boxes! Go to your local shops and ask if they have any boxes they’d like to get rid of. Book stores and grocers often have the best quality and sturdiest boxes. You can also look on Craigslist for free moving boxes (and then repay that kindness when you’re done unpacking by putting the boxes up for someone else to claim).

These are just a few of the tips that can help you reduce costs when you want to move your home and/or office. What are some of the things you’ve done to save money on a move?