Student Loans $14,870

I don’t update my side bar enough. It’s because I’m ashamed to admit that I haven’t been paying down my student loan debt as fast. So I updated it today and there is $14,870 left.

I feel like I have to look at our finances again. You know, combing through every credit card statements, loan statements, bills etc. Even though we generally have an idea how much we are saving and spending, every now and then it’s good to do this. Especially since we have a new monthly bill for our used car now. We are not spend thrifts by any means but doing this keeps us in track. Perhaps I’ll put up our numbers come September.

eBay Sales, New Car, Random Updates

Just a note: I’m actually more active on my instagram page maithriftsthings. Click there to see my latest post.

My latest post on Instagram was me posting my numbers on eBay & Poshmark. My numbers were great in my opinion. Most of those items sold were stuff I’ve been trying to get rid of so I sold them at cost plus fees. Aside from my reseller life, we bought a new (used) car, and finally had our first meeting for a therapist.

On eBay my total sales (does not minus fees, shipping, taxes, etc) was $2470.00 I’m REALLY happy with that number because that means my profit after said fees, shipping, and taxes) is usually 50% or 60% of whatever I sell. So let’s just say I profitted $1,250.00 Much needed profit for the new used car we bought (eBay also pays my side of bills such as insurances, and etc).

Yup… we bought a car for my husband. Actually we bought a minivan. My husband car was a 2001 Honda Civic and it was just getting costly to fix. Plus with our growing family, we wanted something bigger. Could we afford it? Well to be honest no. I still had my student loans to pay off. The car payment is roughly $300.00 a month…except it’s for 72 months. It’s not super expensive but why would we get a loan for 72 months? Couldn’t we just get a car that’s $200 a month? Sure but to be honest we have been talking about getting a minivan for a while now. Plus I have been putting $500-$700 in the savings account based on the profits of reselling. The 72 months gave us the better rate of 2.5 percent . I’m hoping we can pay this off earlier though. We are talking about paying $350 instead of $300 a month to speed off paying it off.

Another thing I want to mention was that we finally saw the consultant at the Mental Health place for my husband. It went well and she referred us to a licensed therapist who has dealt with people who are suffering the same depressive episodes. She doesn’t think my husband needs medication right now but it’s for the other therapist to really do a better diagnosis. She is a licensed therapist too but she feels the other one would be a better fit. It’s a therapy sessions for us for the next couple of months and I am happy. My husband is happy too and feels he should have done this sooner.

 

eBay Percentages Returns & Cancellations

Ugh… today just sucks. I have 3…THREE open returns on eBay. One of them I have to pay return shipping back because the buyer didn’t like the color. While that is a poor reason to return it wasn’t worth my time to call eBay. From other re-sellers perspective, calling on eBay from improper returns like that, they tend to side with the buyer in the end. The other two the customers doesn’t like the item and they will pay return shipping. I also had 1 return earlier this month so 4 returns this July. That is normally high for me but can’t do anything about it. That’s just business. This just got me curious though. What are some of my number on eBay in terms of returns?

Return Rate: 1.53%  11/719 Transactions

Return Rate Based On Condition: New 0%, Used 1.53%, New Other 10%

Return Rate Based On Price: Less Than $40 1.16% (8/689 Transactions), $40-$100 11.11% (3/27 Transactions)

Defect Rating: 0.14% 1/720 Transactions…this I received for item being out of stock.

I don’t think my return rate is that bad considering I sell clothing. Condition wise I sell mostly used so having that there isn’t a big deal. Though New other…I’m not sure what that exactly means but that’s probably my products that are considered new with defects. Now my defects isn’t on any on the condition. It’s actually me cancelling an item for being out of stock.

On my return base on price I’m actually not surprise about this. Basically my numbers mean I get the most returns quantity wise on items less than $40. Yet I get the most returns price wise on items $40-$100.

Interesting right? Now percentage based on cancellations because buyer didn’t want to pay? It’s pretty high. I looked back and counted the number of times I had to cancel because the customer didn’t want to pay and it’s almost double the amount of returns. That did shock me at first but in reality that’s still less than 5% of my overall transactions. Meaning I deal with this using a short amount of my time spent on eBay (sourcing, listing, shipping, answering customers, dealing with customers, and etc).

Blah Kind Of Day

Today is Saturday. Usually on this day I’m pretty busy. Listing, shipping, cleaning, watching Calvin, and planning what to make for dinner for the whole week. I’m in a blah kind of mood so I decide to just take a break from everything but taking care of my Son and dinner.  The mess will be here tomorrow still and my eBay store is still up and running.

Do you have one of those days? Most days I just charge on even if I am tired but today I’m just tired. I feel it in my bones I need to rest. I feel fortunate that this is a luxury I can do. Technically I’m still busy doing mommy duties but that’s a duty I don’t turn off ever even if I am sick.

Finally! Mental Health Progress

It finally happen Y’all! My husband has agreed to see a therapist! I don’t write here enough about it. I mentioned in the past that he has been having high anxiety and OCD tendencies. He has been like this for at least 4 months and it just felt forever. I love my husband but just watching him suffer hurts me. If you have a love one who is literally begging you to see one then you probably should think of it. Even if it will cost money.

Unfortunately we will have to wait until August for his initial consultation. The office we want to go to is very busy. Also Nevada doesn’t exactly have a good system in mental health so finding a decent doctor is hard. Let’s hope we get a good one because I just want him to stop having so much anxiety.

If you just stumbled onto this page because of this title only, let me tell you a little about my husband. He does have a history of ADD. He went through many doctors, medications to get his ADD in control. Unfortunately I think around high school he wanted to stop taking medication. So he did and has done pretty good without it until now. I have a feeling we will have to go through tests and I’m not familiar with it. Especially since he is an adult. Let’s hope everything works out and I can’t wait for the first appointment. If you have anything to say that is HELPFUL to comment feel free to comment below. I do have to approve comments since I do not pay for spam not to be posted.

 

My Car, And Slump Of Sales

I’m experiencing the summer slump of sales eBay. At first I started to miss the extra money my former part time job brought in then I just realized I didn’t get much hours in the summer either. Which is why I’m thankful we have a small savings account for unexpected expenses.

It’s so hot right now that I haven’t been thrifting out as much. I purchased a small wholesale lot from a well respected instagram reseller and it will be on its way soon. Which means I have to list everything else before it comes. Besides that part of my life, my car has been having trouble.

As of now we probably put in nearly $650 on it for a bunch of testing and repairs. Ouch… we paid it and now I’m more confident in driving my car. It turned off while we were at a stop sign. My anxiety definitely showed up. I didn’t realize how much anxiety when I had my son with me. See if I was by myself I tend to not worry. Yet with a baby in the back, I started to worry. I didn’t have my AAA card and it was hot outside. Worse time to be stuck like that. Luckily my husband was with me and there was a gas station nearby. My car started eventually and we immediately brought it to our auto mechanic. It was bunch of things like the battery, and something with the electrical, plus we needed to replace brake pads too. Now I make sure to have my AAA card with me.

I’m On Poshmark & Update On Life

I know I haven’t been active lately. Though I am more active on instagram here @maithriftsthings. So head on over there if you want to see more activities. That instagram account is more about my reseller life so if you are not interested in that, don’t head on there. Besides that, I opened a poshmark account.

I’m not really sharing my store names. I’m sorry but after finding out how awful people can be to try ruin your reputation with these online selling outlets, I’m keeping them a secret. I will be happy to answer comments though about what I do in reselling ( I only work part time hours on it). Besides there are more resellers out there who are more open with their store so using mine as a way to learn is horrible idea. Plus I still don’t know what I’m doing most of the time.

Yes I’m finally on poshmark because I keep hearing how clothing sellers should be on there. I’ve only been there a few weeks so I can’t say if I like it more than eBay. Though my experience has been positive. Sales have been slow ( it’s summer slow down everywhere) yet my sales are slow because I focus more on eBay. The sharing aspect of poshmark is still something I’m learning.