A coffee-girl's bag

This weekend was somehow odd. On the one hand it was relaxing and cool and one the other hand I feel like someone stole time from me.
We visited my sister to catch my mother's products which we will return to her next weekend. The time I spent at my sisters house was great. The kids are lovely and everything is mostly uncomplicated. On our way home I had some "swedish moments". We didn't use the highway so I had plenty of time to watch the scenery. The canola is blossoming at the moment, plainly beautiful.  Hmm, I miss Sweden....
Maybe I will be there soon.
I will be on a business trip during the upcoming week so I finished up some tasks that had been open. One of them was the coffee-girls bag made out of coffee packages and some velvet.

I really like how it turned out also it's a bit bigger than planed but you know a women's handbag cannot be big enough.

I'll probably be gone for some days, so take care. I'll post as soon as I'm back from the trip.
Greetings Me.

I went shoe shopping...

... and for the first time in my life I loved it. I never liked shoe shopping. A colleague once said that I'm the only woman he knows who left the biggest shoe shop in town without having spent a cent.

Today was different, I had a target, I found it, bought it, and here are the shoes I am in love with:

I wanted to have black ones but they were sold out. So I considered all possible options:

• black and pink
• black and grey
• corral and gold
• plain white
• purple white
• blue white

and ended up with blue white. :)

If shopping shoes always creates this magnificent feeling in all the other women I really do understand why some have more shoes than clothes.

Greetings Me.

Coolest pin-board pins ever

Aren't they cool? Unfortunately, my keyboard died Saturday night. I don't know why I really loved it and cared for it. I even cleaned it. Well, that's probably the last part of being a geek....
After figuring out that the keyboard is responsible for the drrrr sound, I tried everything from cleaning it over and over again up to putting it into the dishwasher. Since all of it didn't show the result I longed for I tried to carefully remove the keys to see whether there is something under them or not. It didn't work :(.
Thus I ended up in ripping the last keys out to turn them into pin-board pins. I guess I'll go and buy myself a new keyboard during the week.
What happened apart from that?
The new grass turns out great. Rolf even had to cut it :).
We went to the hot-pot again to relax and to forget about all the tasks that are open to do. I corrected half of my classes final exams and the students are way better than the last ones I had. The upcoming week will be easier then the past ones, only the weather is remarkably wet these days.
So take care of your keyboards, love them, hug them, clean them, and just in case they don't appreciate your fellowship have a glue gun close by ;)

Greetings Me.

Frugal Living - Budgetin Strategies

Budgeting always sounds a bit odd, like it's only done to bug someone, or like companies doing it in times of tension. Shifting the point of view budgeting is vital for everyone. First you need to know what you earn, so that you can truly enjoy spending that what's remaining ;).
The basic steps are easy:

1. know your income (list everything that brings in money e.g. salary, aid money from the government (Kindergeld, Harz 4), pension, income from shares and bonds, etc.)
2. check what has to be paid regularly (rent, car, food, etc.)
3. calculate a rate of money to be saved for urgencies, holidays, that ugly final car holdback, annual payments etc. Make sure to put that money far away because although it's not used now you need to spend it sooner or later. I consider it as spend and put it on a short term saving bank account. By doing so I don't have to take care of an imaginary line on my usual bank account but I know people who are doing so.
4. take off point two and three from point one and you have the amount of money you can spend freely

If you get a negative number you are in trouble because that means that you are spending more than you earn each month. If you don't want to end up being filmed by RTL for their reality show "Raus aus den Schulden" ("Get out of the debt") you need to check point two and three more carefully.

Maybe you can cut back on hobbies,  your car, clothing or luxury goods.

I'll keep this one short because there are well written websites and tools that help you get in contact with the principles of budgeting:

1. About.com Frugal Budgeting a description on how to set up and maintain a budget
2. WikiHow How to Budget a description including an example
3. Better Budgeting free budget forms for the ones who want to do it on paper
4. Dough Roller 75 Painless Money Saving Tips a more or less serious list of tips
5. Dough Roller 10 Online Budgeting Tools  here you find  a list of budgeting tools, some are free others aren't. Thus take care that you don't invest in something you don't need. I used to use a budgeting system but I could never convince myself that my data is save in such a system. As a result I played with the system and found it helpful but I never entered my real financial data and kept it running. If you consider to use a program be careful because financial data is nothing to be light-hearted about.

You can find tons of articles about budgeting just use google ;). You don't need to track every little amount you spend unless you have financial difficulties at the moment or you are planning to buy something really expensive. The whole budgeting issue should not be pure pain, it should open a way to see your situation from another perspective. If you track all the money you spent in a month you will be surprised which areas cost the most.

Yeah it's not broken :)

Two days later and a bit wiser I know that my sewing machine is not broken but it just don't like the thickness of the material I was working with. Anyway I somehow finished the bowl:

We received a package from a close friend of us from Spain. He sent us books to study Spanish ;). He wrapped the books in pink bubble wrap. I always wanted to try out something with bubble wrap thus I made a small and quick bag out of it.

Thank you very much for the books and the bubble wrap ;).
I don't know whether I will be crafting this weekend because I want to study a bit. The weather forecast was not very optimistic, so I probably will do a lot of indoor activities.

Take Care and leave a comment if you want to.

Life, the roller coaster, and I

God evening,

In a series of perfect days there will be one which is less perfect than the others. In my life that day is  today. I learned that people I like are not doing well at the moment. I feel helpless, confused, and worried.
After coming home from work I wanted to finish a coiled fabric bowl but my sewing machine broke down. A whole series of unfortunate events of maybe the law of attraction?
My sister kind of believes in it and I bought the book to figure out what's behind it. Maybe you heard of it, its "catchy" title is "the secret".

It's written in a weird way, a mixture between interview and explanatory text style. If I had to sum up the content, it would be: make sure you know what you want, believe in it and it will happen.

Since many educated and magnificent people believe in the law of attraction I guess it's worth a try. I started to wish for parking lots and that works somehow, although I didn't specified the type of parking lot and always end up with the more challenging ones. I already have a wish for tomorrow: I am grateful for a warm, nice, and calm day.

If your life feels not at ease at the moment don't worry I'm convinced it will get better :)

Take care. 

Frugal Living - Americas Cheapest Family

Do you know about the mirroring principle? It's used in different motivation techniques. If you want to achieve something, you have to find a role model and copy the aspects you want to get better in. Or in other words basically learn from the best :).

Who would be someone to learn frugality from? It's definitively not me, but maybe the already often quoted cheapest family of America is a good example. The (used to) live on barely 26000 € a year. I guess they are earning more money now because they sold their story to the media and they wrote a book about frugality. Back in 2007 they were living on 26000 € and they were 7 people.
Let's do the math 26k is the annual income which is ca. 2166€ per month, or 309€ per month per person.

Could you live on such a basis? Please keep in mind it's not pocket money it's everything you have!

The answer is probably a no and if you live in Germany you would be better of to use our social system and collect Harz 4 (a basic income for everyone who has not worked for a specific time, there are no preconditions you just need to fill out a form, if you don't have anything you will receive the money).

Just for you to compare the monthly income of an adult living on Harz 4 receives 359€ but the flat and other costs are paid from the system as well such as: the flat's rent, heating, and other costs if your argumentation is good. In addition to that, you are allowed to earn 100€ per month without risking to loose the Harz 4 money.
The conclusion of this example is that Harz 4 equips you with more money than this family had.

So how do they do it?
Based on their website they:

• budget their income in advance
• only buy things when they can afford them
• do not use credit cards at all
• spent ca. 259€ (350$) for food
• go grocery shopping once a month
• buy only used cars
• buy clothes at a thrift store

The key seems to be proper planning and a lot of discipline to keep going. They really inspired me. Maybe it's as usually not the what that matters but the how. It's amazing how little they spent for food but I would be afraid that the meals do not contain a lot of fresh vegetables in winter if they really shop only once a month. If they do, my imagination is just not bright enough.

If you want to know more about how they are dealing with life and money, visit their website. They also answer questions in a blog. They are not frequent bloggers and they don't answer their request forms but maybe the site (if it works) will inspire you.