How to Start Your Seeds on the Cheap

I love seeing row after row of uniform black plastic seed starting planters in garden centers and greenhouses. They’ve been dutifully watered and sunned, shaded and fertilized by the garden pros in the nursery. They even have the guts to set them out before the last frost of the year, so we can get our gardens started early! After spending so many cold days looking out the windows, dreaming over the seed catalogs, I’m itching to get started with my own seeds, but not quite ready to be outside.   To…

Super Ambitious 2017 Goals and an Exciting Announcement

I’ve never been told I lacked ambition. I HAVE been told I’m just like my mother (hence the timing of this post). My list of goals for Burton Farm is long and ambitious. But you know what they say, wake up with determination, go to bed with satisfaction. In this post, I’ll tell you what we’ll be working on in 2017 on Burton Farm. I’m also going to spill an exciting secret I’ve been keeping for a little while! I’ll give you a hint, though: All the biggest music stars are doing…

Net Worth & Debt Payoff through 2/28/17 – How Do You Spell Debt RELIEF?

You know how when you’re a kid, it feels like you can physically FEEL Christmas, like electricity in the air, but when you grow up, it’s kind of just another day? I thought I’d feel lighter now, but today feels the same as the day before. We closed on the sale of the townhouse yesterday and have again made a substantial reduction in our debt-load. What a relief! We feel elated and excited, but also a little bit sad.   In the past two years, I had repeated many positive affirmations about the sale…

Net Worth & Debt Payoff Through January 31, 2017

January 2017 for us, like most families, was mostly spent in survival mode. But not because of any holiday hangover as we paid for Christmas with cash. No, three of our family birthdays are in January and I’m on a mission to make memories. Also, because I am a lousy mom, I missed my youngest son’s 12 month and 18 month photo sessions, but was adamant that we secure his 2 year images on film. Forget the townhouse that hasn’t sold. Forget putting any seeds in the dirt. THIS is important! THREE…

Net Worth & Debt Payoff through 12/31/2016

Happy New Year, Everybody! We sent 2016 out with a bang! Just kidding! It was LIGHTS OUT at this house around 9PM. But we did make some dramatic changes to our finances in the last month and I’m so pumped to go into 2017 in this shape! Let’s just bust this thing on out and see if you notice anything different: Assets Value Owed Totals Farmhouse $200,000.00 $166,367.39 $33,632.61 Town house $100,000.00 $84,199.09 $15,800.91 Savings Accounts $8,453.37 $0.00 $8,453.37 Checking Account $40.15 $0.00 $40.15 Family Loan $0.00 $0.00 $0.00 Discover $0.00…

Net Worth & Debt Payoff Through 11/30/16

I’m not going to cry. I let it all go this month. Our net worth decreased. Our debt payoff percentage backslid. I didn’t post a single time this month to the blog. Marketing our townhouse for sale took a back seat to the increasing chaos for me at work. I freely spent hundreds of dollars on Christmas presents at Veteran’s Day and Black Friday sales (but I was saving money!). And I actively chose to *NOT* pay off all of the credit cards in full (we need cash to pay bills…

Net Worth & Debt Payoff Progress through 10/31/16

We emerge from October 2016 bruised and bloodied, like the zombies of Halloween. This month was brutal! Have you ever noticed how when you start to track something, it starts creeeeeping along? I’ll spare you the suspense: we are at 1.86% paid down. That’s -0.08% less than last month. While on one hand, it feels stagnant, I’m trying to see it as Staying Afloat. Here’s what went down. Our real estate contract expired October 5, so I went into full-realty mode to market our two properties myself.     (You…

Net Worth & Debt Payoff through 9/30/2016

Let’s just call this month a big fat “How NOT to Use Credit Cards.” Have you seen pins like the one on the right in your Pinterest feed? Beware, advertisers hire wily copywriters to separate you from your money. Even though this pin says transferring a balance is ingenious, and even though I did exactly what it says, I have to disagree with the “ingenious” part. No, I’d have to say it’s the slippery slope of managing your credit. Let me tell you why: You’ve just opened yet ANOTHER credit card. Welcome…

Why Our 2016 Summer Garden Failed to be Spectacular

How’d your 2016 garden turn out? Mine produced a dismally small bounty that included about two dozen turnips, 23 green beans, 14 squash, zero cucumbers, zero zucchinis, and zero tomatoes. Fail. I mean, come on. Who can’t grow zucchini!? Ok, maybe I’m being too hard on myself. I mean, I wouldn’t say I’m a terrible gardener. But this has certainly been a disheartening season. I’m going to break it down in a list, as usual. Oh, I love to make lists! I’m bummed our garden didn’t turn out lush and green, but at least I’m…