Need some out -of-the-box ideas....

Community Leader
Registered: 08-25-2006
Need some out -of-the-box ideas....
Thu, 06-19-2014 - 2:38pm

Okay, most of you know me and DH met with financial advisor and although we make enough money together, we are 46 and 50, DH is self-employed, and need to really get serious about retirement.  So....

Part of that is paying off my credit card and increasing my income.  

I work a set, MThF schedule right now at $17.50 an hour.  I already have a direct selling business with a small client base already.  I could jump all in, but I did that years ago and kind of BTDT.  I am increasing my marketing, but I want to keep this business enjoyable.  When it becomes about making a buck, it is not fun for me, or anyone around me.   One day I may go all in again, but just not in that space right now.  

To my actual question, any ideas that may be outside the norm?  Sure, I live half a mile from one of our major thourough fares with retail galore, so thats not an issue.  

I keep praying to God for clarity and I know in my gut an opportunity will present itself, so I just keep putting out into the universe until it is clear.

Thanks everyone!  


p.s. not returning to school in the fall, unless my bosses daughter quits, no more hours for me here.

Avatar for sabrtooth
iVillage Member
Registered: 12-03-1999
Sat, 06-21-2014 - 12:08am

There really is no magic pill.  Work more hours.  Get a new job, second job, 3rd job.  Find one with a 401K and pension.  You still have 20 years. Improve your skills, so you can command a higher salary.  Move to cheaper housing, cheaper utilities, cheaper taxes, & rent--then there is no maintenance, and renter's insurance is half, or less, what homeowners is.  Do not go on vacation.  Do not buy new cars.  Do not buy cars every few years.  Learn to do minor maintenance (on home and car) yourself.  Do not buy ANYTHING on credit, unless you can get a "same as cash" deal.  MAKE SURE you pay it off on time--a month early is best.  Do not use debit cards.  Take a weekly allowance and spend ONLY that.  Put in a garden, learn how to can.  Hubby gets a second job, one with benefits, and that accrues a pension.  14yo gets a job so she is earning money instead of spending it.

iVillage Member
Registered: 11-14-2008
Sun, 06-22-2014 - 10:11am

Hi Serenity! Gotta give props to Sabrtrooth. That was a very nice, informative answer to Serenity's question. I really liked it! 

I think what you are looking for here is something that is going to work for you and your family and honestly, only you and your family can come up with those answers. But you have to talk about it all together, agree upon it, and carry it out.  For yourself, make getting that credit card down the hobby, the one and only right now. Everything else can wait for awhile, the eating out, the weekend excusions with hubby. I know that is your life but make a new life, at least for a bit.  There are fun things to do for free, look online, go for picnics from home,free concerts? close so you don't use too much gas. Learn to cook something new and set up a candle light dinner. Cheap crafts with DD or cookies from scratch or a scrap book project? Can you cut your groceries more?

As far as making money goes. Keep looking for another full time job. It is also about what you are wiling to give up. Is it sleep? Can you work a 2nd evening job a couple nights? Its not forever. I think if you could just see a dint it would give you motivation to go that extra mile. Perhaps the direct selling is not the answer here and you need a fresh start?

Don't give up. Keep working at it. You can do this!

iVillage Member
Registered: 04-08-2008
Mon, 06-23-2014 - 12:32am

If you aren't getting hours at your PT job, then you need to find another one. Or a full time job. Especially if you aren't going to school anymore. 

I don't know if I'll continue with school now. It is difficult with the new job. But ironically, I would not have been brave enough to do this w/o the school. I didn't need it. It was just my lack of confidence holding me back.

Is there something holding you back?

Just a thought.