Category Archives: Cloth Diapering

Mortgage Pay Down March 2012….and other things

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We are down to $116,9xx on our mortgage as of March 2012. We are on track as I had planned. I was looking at the numbers some more and I thought wouldn’t it be a nice goal to go down 10K every 6 months (which our kids birthdays are exactly 6 months apart). So the goal is to still pay down at least $1,250 extra a month for the mortgage. However, the expanding goal is to decrease our mortgage by 10K every 6 months. That means by June I want our mortgage to be 110K then by December 100K. I have 3 months of at least $1,250 is $3,750, but I still need $2,500 to pay out to get down in June. That would be an extra $800 each month! Which I know I can’t easily just pull something like that out, but nonetheless that is our goal and if we don’t reach it, we will be super close to it and that would be fabulous. 😀 We started just a couple months ago at $122 so we are moving along somewhat nicely.

We did open our IRA’s for both of us and have set up an automatic investing. It isn’t much but we were able to do $100 for each of us each month. I could throw that on the house, but I wanted a little something for our IRA’s at the very least. It feels like I haven’t sold anything as always, but I made over $250 for just a few items. The problem is we have a TON of nice stuff that I don’t just want to throw away b/c it is either brand new or like new. I have a ton of jeans and pants from places like Banana Republic and The Limited that I bought with full intentions of wearing, but had 2 babies in a row and there’s no way I can fit into those pants today. Nor do I want to save them as I want everything out of my house! They are new with tags, but I haven’t got a chance to list them anywhere. The few things I have sold have been related to cloth diapers and the such.

We now have figured out our ‘main’ cloth diaper stash and pretty much happy and settled with what we are doing. We have about 10 pocket diapers (6 BumGenius 4.0, 3 medium Perfect Size Fuzzibunz, & 1 off brand I got free in a trade :D). We use the pockets at home for hubby to change. In addition I have 17 prefolds (most are GMD red edge, but the other 7 were kinds we tried). The prefolds are for daycare and we also use at home when out of pockets. I now have 6 Flip covers & 4 Weehugger covers to use with prefolds or with ‘sleeves’ to put our hemp/bamboo inserts at nighttime for the 2.5 yrs old to sleep in as a nighttime diaper.

This week we will begin sending our Gerber training pants to daycare with our boy. He’s been doing pretty good with potty training, although we haven’t had the #2 situation figured out, but the peeing is doing really good. Except he won’t go at daycare for them. One day he went all day for them but they had a new teacher that day who thus quit after a day. So we are hoping with a new classroom and another new teacher, maybe he will want too.

I’m still readily looking for other jobs. I have another interview set up but I really need to push my boundaries and apply for non government positions. I know the for profit world, I would really excel. My skills I do have are very valuable and are more for saving money/making profit than in the setting of the ‘oh wells’ and where the government has the money to spend, so it’s not like they care in the sense where for profit businesses care…this is from my experience. However, my view of contracts and government is different than how it is practiced, but moving on. 😀

I’m really hoping though something good comes along. If not, I’m really trying to get our finances set up where we could potentially refinance if need be and have a lower payment on the house whereas if I did quit my job for a few years, we could make it. This is very extremely scary as I do carry the health insurance and am the breadwinner in our household, but I having hard times mentally working where I do and not having the meaning or at least the people who are enjoyable to work with. I need one or the other and right now both have died out since I began there. :/

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Trying to get better and selling stuff

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Somehow my baby girl and I both got sick last week again, baby girl had croup and I had a horrible ear infection. That took us out for a few days and then being so busy with family coming over and just living life.

I’ve done good selling almost $200 worth of baby, nursing items this weekend. Since we stopped nursing in Jan., which we made it 13 months nursing baby girl 🙂 I have a lot of nursing items I don’t need anymore. Also trying to sell some of our cloth diaper stash to get more items that we really like to use instead. We are really liking the prefolds and covers or certain pocket styles. I like the Fuzzibunz perfect size compared to the one sizes. Those weren’t working for us so I’ve sold a few and trying to sell the rest. I’ll be purchasing more prefolds this week hopefully in efforts to gain a half day NOT doing laundry. :/ I’m doing it every day or every other day bc we run out, so if I had a few for bumper for daycare that would be nice.

Potty training is still in process but seems like it gets worse than better. Our boy still isn’t going at daycare and we don’t know if it’s them or him or a combo of him not liking his teacher and not wanting to go. If fact I just got done cleaning up poo on the floor bc he didn’t like dirty underwear on. :/ The joys of teaching your child where and when to poo & pee.

Both hubby and I jobs are becoming static and boring. Mine has been that way for awhile but hubby’s has gotten that way recently. We have ideas of what we could start as side gigs and see how they develop. I would prolly help with his since I could further develop my skill in that area. Mine would focus on a small business venture online with the hope of growing into a brick and mortar store, which has always been my dream. I’m trying to narrow down and figure out the logistics while still being something needed to serve and fill a void.

My goals for this month is to continue selling and trading baby items on the swaps to free up space and to get items we could use instead. Ive also toyed with the idea of ‘no paper’ towels. Now I think it would be silly to spend much on buying more items, but a few more extra towels. Also I want to make no tissue tissues out of some flannel blankets. We could at least see how we could do on it. It would save about $20 a month for paper towels and kleenex cost a month. We go through paper towels like crazy.

I’m trying slowly to even cut more from
our budget even though we have it pretty slim to begin with. I have done really good not going and buying kids clothes bc I haven’t been actively looking or watching for good deals.

Btw, our state is trying to pass a bill in the house of reps to make it where it’s illegal to even get birth control (called the personhood bill). This is another reason we are seriously tossing the idea of moving. These types of illogical ideologies are just absurd. The views of our state aren’t with our personal beliefs or values. Also the education and health systems lack greatly compared to other states, which is a reason we are almost always dead last in most things that are important. The only bonus we have is a cheap cost of living, but that is only good for so long. I want my kids to grow up and be able to think for themselves, to learn lots and not be pressured to only believe one way and not question the answers they are given, and for them to be who they want to be.

For those reasons, we would to move to the western coast, Colorado, maybe Austin TX. I think we just would like to be an area that is more of what we stand for and has the values we like. As well as isn’t Oklahoma, heh. My biggest scares are 1) finding 2 jobs at same time 2) finding an area in those places where the COL is reasonable and by reasonable Austin is prolly the closest to that I would imagine, 3) good schools, good small community, and the place just makes you feel welcomed. We like small towns but more like suburbs, so small town but close enough to the city.

Cloth diapers: 0 Life: 1

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So we finished up week 1 of cloth diapers at daycare only to have a missing Fuzzibunz OS yesterday. 😦 These aren’t cheap so I’m bummed out as we barely have a stash. I’m going shopping today and seeing if the Flips B1G1 promotion with GMD red edge will work for daycare as that costs a whole lot less than a just 1 FB.

Then when I get home a Weehugger cover was ripped to shreds by our dogs. They are really good dogs and never tear up or destroy anything. Somehow this cover with its bamboo flaps enticed them. The dogs have access to our laundry room and I guess that cover was at the top of the pile. 😦 So I’ll also be buying a hanging wet bag today.

Then my other thing with cloth yesterday was that cottonbabies sent me 2 of one color instead of the colors I picked. Nothing big, but still…I really wanted what I had picked and not duplicates. If you are a cloth mama, you know what I mean about the colors.

Today we have a local baby bazaar which I’m gonna try and sell our more used clothes for cheap, cheap and earn a few bucks to go buy some more cloth for our stash.

I’m hating the urine smell in the morning from disposables and really considering wool, but that’s a whole new ball game for me….so that may stay in the backburner. Hoping today I get the stash things I need and they work!

Learning Cloth Diapers

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With my first, the idea of cloth diapers was ‘cute’, meaning not for me but they looked adorable on your baby!

Now with both being toddlers, we are just getting with the program. Our 2.5 yr old is potty training and while still using diapers, we’re hoping sooner than later this phase is over. However, at daycare he’s in disposables and at home he’s in gerber training pants cloth and the plastic gerber over pants. Now this being said, we got these (basically in brand new condition) from my mother who got them from a garage sale for a dime a piece I believe. I think most were in a grab bag and she might have got them cheaper. But nonetheless, this is why we are using them. Basically new, basically free, and for their purpose they work for us. ‘Cute’ training pants like by Grovia are $18-$20 a pop!!! 1) we don’t want to pay that and 2) the kid doesn’t have fashion issues so what we have we will work with.

We have toyed with the idea of sending cloth to daycare and multiple changes of clothes. We aren’t to that point yet but we might try it. We also thought about a pack of Flip Training Pants. Although we’ve had issues with the Flip stay dry inserts in Weehuggers covers. The Flips seem to bunch up with either child and get the inside of the cover wet too.

We’ve also tried the basic Indian prefolds from cottonbabies in the premium and regular sizes. Both are just too awkward lengths. We got a 3 pack of econobum prefolds which work better in the covers but won’t work in the old fashion snappi method. The Weehuggers are cute, but a little thicker in prints than their solids. I also don’t like the bamboo flaps to ‘hold’ the diaper in place since they get wet.

Our little girl just this week has been only wearing cloth at daycare. This has been going well but I do need a few more diapers. We’ve been sending BUmgenius 4.0 and Fuzzibunz pocket diapers to daycare. I have 3 more BG on their way to my house and so far I’m really liking them even though they seem a little bulkier than the Fuzzibunz. The FB with a thiristes duo insert though is super trim (IMO).

I wish we were doing all this sooner. Paying $35-45 a box per kid per month on diapers is crazy. That’s getting name brand (bc generic ones aren’t worth the price unless it’s Targets) and getting discounts. With baby #1, I had couponed and saved over a year of diapers for pennies on the dollar. So it wasn’t a price issue bc I already did all the leg work to basically get most diapers for a couple dollars a bag of diapers. Now since I don’t have that time anymore, we would order on amazon.

I might pick up a pack at Target of diapers as just in case and going out, but I’m trying hard to go all cloth.

The hardest part is understand cloth diapers. Knowing how to wash (we do cold, hot, then rinse) and knowing what you like. It also takes some money to buy up front. Although I would buy a couple prefolds and cover at first and go from there. Yes, we may all love the look of the Applechecks but seriously who can fork out $25-30 for the diaper and another $10 for the insert?

I think if people were exposed to the prefold and good prefolds, that would be eaisest. I need to try GMDS prefolds before I give in the towel. I love the idea but I need shorter prefolds. Otherwise we may start looking for natural fibers but at that price we could get pocket diapers.

If we all could have diapers like BG Freetime (which I would love to try) it would be soooo easy. I love to talk cloth (as we’ve tried a decent amount but love reading about what we might try.) What diapers do you love? What ones are worth the price?

IRA’s opened: CHECK!

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Well we did it. We both got Roth IRA’s opened up today. I have no clue in what it all means, but I just know that we both opened one and picked a portfolio that was already pre-built? I don’t know if that is the correct term, but something is open at least. I will have to figure out our budget and call up the IRA place to make sure we are all good and see if we need minimum investments to evade annual fees.

I need to follow up on the credit reports for this year to make sure they are all clear and good and everything was taken care. I am very proud of us though having done these couple things alone this month.

We are trying to plan a vacation but it’s proving to be a little difficult. We want to drive as with 2 toddlers it would be very burdensome right now to try and fly. So that means we are looking at places like Texas (Austin? Dallas?) or Arkansas (Eureka Springs?). We found the tree houses in Eureka Springs we’ve wanted to go to for a while, but they do not allow children so that is a big bummer. Most hotels or Bed/Breakfast’s look outdated and kinda gross.

Anyone have any great recommendations for the Texas/Arkansas/Missouri area to vacation with toddlers? We were thinking Colorado but that would put us at a 10 hr drive and that’s probably too much to handle drive time for all of us. We were thinking a vacation in April and a hotel or inn that is kid friendly and a nice place.

Next on our list is to get tax information together and get those done. I’m not looking forward b/c it’s a lot of work and no payoff. We usually break even with state and federal taxes which is good, but again a drag.

I have bought a few more cloth diapers (prefolds) to try with our covers we already have. I’m trying to find a good solution that we can send to daycare and quit buying those $35-$45 boxes monthly of disposables. Our 2.5yr old has really been trying hard potty training, although he will still wear disposables at daycare. I’ve thought about the Flip Training Pants, but haven’t decided. I think I’m liking the Econobums prefolds with our Weehugger covers. I also got some Bumgenius pockets that we are loving already as well. I was a Fuzzibum lover, but I really like the suede cloth inside the Bumgenius. The hard part will be figuring out what to send baby girl to school in that her cloth diaper will fit in since some of these aren’t the trimmest options. I believe I may have enough pockets to send to daycare and then I may have enough prefolds for another option as well. I haven’t decided as we are trying our new fluff out this weekend. But I am getting a little more comfortable that I will get something out of the $ I’ve spent on cloth diapers vs nothing out of all the trash disposables we’ve bought.