Rude and Crude but it works danged it

Murphy's Law

 Some where in this house I am about 99.9999 % certain I have a 1/2 inch notched trowel for  ceramic tile work.  Murphy's law says if something can go wrong it will.  I'm betting some where there is a law that says after you go out and replace something you cannot find,  it will show up. Serendipity comes to mind.  You know, the one that says when you stop looking for something it will show up. I did some checking. One of the local hardware stores offered me a 5.00 discount off of a new  notched trowel. That's not a bad discount.  Money is tight and spending 11.95  on a tool for one small job like the wood stove surround, if I  don't have to, aint happening if I can figure this out. I can get the plumbing stuff for the sink or a new trowel.

  Time for the Dremel to earn  it's keep again.

It's rude and crude and did not cost me one red cent, unless your including the electricity to cut it out with the Dremel. It was fall off from all the plexiglass we used to replace windows  recently

 

Bath room lavatory pre cut

I put the sink on top of the counter upside down and  traced the sink outline. ( Outer marks)

Then I  measured the under side of the sink and marked inside the  tracing to know where I wanted to cut it.

 After cutting it out with  circular saw on  main lines and using a hand saw to get the corners it's ready to put the sink in.

Now all we have to do is go get the plumbing and we are done with it!

This week has been busy. We are finishing up the bathroom,. Have been installing trim, painting and all that good stuff. We are sanding the bath room floor to get it good and clean for vinyl tile to go down. I do not want any thing making the adhesive on the tile to not stick. I'm cheating.We are using the self adhesive tiles.  I had bought these to use in the kitchen. On a whim, becasue I really want to get this bathroom finished, I took them in there, They match the tan commode, sink and counter  my son picked out perfectly, so it's a done deal.

The Demise of Common Sense

I pulled this off one of my groups. It is definitely relevant to today's ' Modern" life style.



ALAS 'common sense is reported to be dead'  the following memorial article tells all....

Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.

He will be remembered as having cultivated such valuable lessons as: -Knowing when to come in out of the rain; - Why the early bird gets the worm; - Life isn't always fair; - And maybe it was my fault.
Common Sense lived by simple, sound financial policies, don't spend more than you can earn and adults, not children, are in charge.

His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place.

Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.

Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.  It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.

Common Sense lost the will to live as the churches became businesses and criminals received better treatment than their victims.

Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and then the burglar could sue you for assault.

Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.

Common Sense was preceded in death, by his parents, Truth and Trust, by his wife Discretion, his daughter Responsibility, and his son, Reason.  He is survived by his 4 stepbrothers; I Know My Rights, I Want It Now, Someone Else Is To Blame, and I'm A Victim.

Not many attended his funeral because so few realized he was gone. If you still remember him, pass this on. If not, do nothing!!... .

Living good in bad times

 This was posted on one of my yahoo groups, Its some seriously good advice. The only thing I would add is  if you can do it use wood heat. You can live on less then 700.00 a month and use these tips as well .



"The last few years with the economy depressed we as a family have lived on less than 30,000 a year. The Government calls us below the poverty line. However due to what I think is just common sense financial management we eat better than a lot of family or friends. Mostly own our home, own a 38 ft sail boat and since we needed a 4 door car with the new baby I went out and bought a used Honda for cash. I also try and keep enough cash in the bank to pay 3 or 4 months of bills.

I know so many people that make more than me that always seem to be strapped for cash and barely making it. But they are financing new cars, very expensive houses, eating out every day, smoking, drinking etc..

If you are living a fairly normal life with steady income these rules will help you live beyond how most people in the same income bracket do and have cash in the bank.

1. don't finance anything. If you can't afford to pay cash then you don't really need it. I have broken this rule a few times in emergency's but then have busted my butt to pay it off as quick as I could by sacrificing any fun till it was paid off.

2. pay a car payment every month to yourself in a savings account. In 3 or 4 years you can go out and buy a car for cash.

3. don't purchase a new car. Buy one used. Take your time and wait till a good deal shows up. I start shopping for the next car 6 months before I actually think I will need it. This allows me to find the best deal and the vehicle I really want.

4. Get as high a gas mileage car as you can. I went from driving a 20 mile to the gallon vehicle to a 35 mile to a gallon vehicle and it put an extra 150 dollars a month into my pocket that I had been spending on gas. I swear by Honda civics. My 2 door that I'm getting ready to sell has gotten 34 to 39 mpg during the time I have owned it. The new 2002 4 door civic I just purchased is getting 35 miles to the gallon. My average annual maintenance on 3 different Honda civics has averaged about 500 a year on cars with between 110,000 to 184,000 miles on them. About 40 dollars a month average. Parts are cheap for them. If I did the work myself it would probably be less than half that. (for those that start foaming at the mouth about buying American.. well my Honda's were built in Ohio.) all three cars were bought for between 1700 and 3000 dollars. Cars eat a huge chunk of our money between financing, gas, purchase price, maintenance, registration and taxes,
and insurance. Be smart about it. New is pretty and rides super smooth :) but cost 4x a older used car.

5. Go over your monthly bills with a microscope. In 2008 when stuff went south for our finances we saved 1200 dollars a year by cancelling the two land lines to my business and home and just using cell phones. We saved 400 dollars a year cancelling cable service and didn't miss it. We kept the Internet and if we want to see something you can stream almost any show over the Internet. We did netflix for a while but cancelled that also as we ended up not using it much after a while. another 130 dollars a year savings. We went to an unlimited plan on the cell phones. This actually averaged out 200 dollars cheaper than the past 2 years cell phone bills. We quit eating out as much, this saved about 2400 a year. We still go out a few times a month but not every other day just because it is convenient. Work on reducing your power bill. Insulate your water heater, find and seal air leaks in the house, turn off lights behind you, don't leave computers running all
the time, turn the thermostat up or down a few more degrees depending if your heating or cooling. For us this saved about 500 a year. We don't economise much on food for the house. We like speciality teas and indulge ourselves. We do shop for good deals between the grocery stores and costco, sams etc..  and save a lot of money. We buy in bulk and have learned how to store stuff so it doesn't go bad. We eat 90% of all left overs before cooking anything else. We cook many things in bulk and freeze meal sized portions for eating later.

roughly for this list it added up to 4830 dollars a year we cut from our budget in 2008. I can't say that we missed the stuff or hurt doing it.

6. When purchasing "things" always shop around for the best deal both for quality and price both locally and online. Price matching is your friend. Coupons or coupon codes online are your friend. I purchase locally if I can get a good deal or the vendor will price match. I think I average about 30% off on retail by working at this.

7. always save save save every last dollar you can for an emergency fund. I have lost most of my income twice in the last 12 years. Both times I survived because I had saved enough money to pay the minimal bills until I could get a job or start a business that replaced that income.

8. if you have to go into debt, never have payments that you couldn't pay if you lost 50% of your normal income. This rule has saved me in both the above referenced instances where I lost major income during the dot com crash and in the recent recession.

By following all this fairly reliably I have been able to put many thousands in the bank and save to buy my current boat for cash, my last three cars for cash, have 3 to 5 months bills in the bank.

I have to admit that it helps tremendously that neither my wife or I are addicted to cigarettes or alcohol. those seem to be major expenses in a lot of peoples lives. I would hate to not be able to afford my book addiction though.

anyways.. I grew up poor and learned how to be happy with less I guess. I don't need new or newest. something that is reliable and functional seems to work fine for me. It's certainly much less expensive than trying to keep up with the neighbours.

interesting topic. I was just thinking about this the other day.

sadly because I still owe on my house I am still tied down financially. I will never finance a house again. I will purchase outright or buy land and build a small house on it myself. I cringe when I look at the 10's of thousands of dollars in interest I have paid over the last decade, and I only financed for 20 years not the 30 that a lot of people do.

Live debt free!!!!!!!

Scott"

EZ Kitchen Cabinets

If you really need kitchen cabinets but cannot afford them or do not know how to make them , here is a simple, cheap and effective way to accomplish that goal. 

When I removed the original cabinets in the kitchen I was shocked. It was nothing more then a bunch of supports nailed into the walls that supported the drawers and shelves attached to the walls then a facer board put over it . Simple yet served purpose for many years. Here is what we did to duplicate this simple , cheap and effective  cabinet making. 

As you can see form the photos it is basically stained and polyed board fastened to the studs with metal brackets.  Then a facer board and doors put in place. It works well 

Tyhe upright s support the top. This side is til in process of being completed.. 

                               This side we already have facer board and doors on