My managerial skills seem to take a vacation over the weekends. I just go with the flow of the family.
But on Mondays, I get back to structure. I tie up all the loose ends from the weekend. I make sure all the laundry gets delivered to its owners. I tidy up the kitchen and family room. I look ahead to everything going on during the coming week. And I do all the household paperwork.
By paperwork, I mean that I handle the receipts, bills and budgets. I take all the receipts from the previous week and enter them into my ledger. I pay all the bills that have come in during the previous week. Then I file the papers that need to be saved for future tax purposes, and toss the rest.
(One area I haven't completely made the transition to is online and/or scheduled bill payment. I've got a couple scheduled for online or phone payments, but I'm still working the rest. I have a difficult time going from paper to screen. I prefer to have the paper in my hand.)
If the Monday happens to be the last Monday of the month, I also write up my budget for the coming month. Since our income can vary a bit from one month to the next, we do a combination of two things. We base our next month's budget on the previous month's income, and we carry a surplus forward, to borrow from, as needed.
This surplus that we carry forward from month to month, is our back-up fund. It covers unexpected dips in income. This is not the same as our emergency fund, which covers larger losses in income. But instead this back-up fund covers things like a temporary inability to work as many hours in a month, or paperwork that wasn't filed on time for proper payment. It helps keep our spending on an even keel, regardless of the exact dollar amount of our income.
The greater emergency fund is one we've been building over the past 4 years. When the stock market tanked, around 2008, we felt that wake-up call to build a locally-accessible account. Should we find ourselves with no income whatsoever, this is the fund we'd tap first.
We add to it every month, even if it's just a couple of dollars. This amount is worked into the budget before the month begins. It's not an after-the-fact, what's left over category. This is a fund we keep in a CD at a local bank. It's accessible with minimum wait, in contrast to trying to cash out other investments to use for emergencies. It is still not nearly what all the experts recommend for an emergency cushion. But we're working on it.
It can take years to build a good emergency cushion. We didn't start nearly soon enough. But now that we can see how important it is, we are making it a priority.
How about you? Do you have a system for bill paying, budgeting and saving for emergencies? What was it that kicked you into gear to start up an emergency fund? Do you use online bill-pay? How did you overcome the feeling that you "needed" to see bills on paper?
Tuesday, October 23, 2012
Monday, October 22, 2012
Growing cranberries: ornamentals with benefits
My son and I harvested the cranberries this weekend. We picked a little over 4 quarts of cranberries. They're all tucked into the freezer now.
Our yard really does not get the amount of sun to ripen our berries fully. But I figure, hey they're cranberries, they're supposed to be sour, right? And we're up against the very end of the season for leaving them still on the plant. So we picked, even though some are not the fully deep cranberry red we've all come to expect.
Good thing, too. It's thundering right now, with a very cold rain.
I understand, a lot of folks just don't enjoy cranberries. It's one of those love 'em or hate 'em sort of fruits. But if you do like cranberries, and are interested in growing your own, I'll tell you a little about them.
Cranberries are a ground cover. We use them as an ornamental in our landscape. The tiny green leaves turn a lovely rust in autumn, and are an evergreen. This makes for a lovely ornamental in the winter landscape in areas where the ground is exposed (meaning little to no snow). They can be planted in a patch, to make harvesting simpler, or can be used in the general landscape, as specimen plants.
In areas where winters are harsh, they can survive, and quite well at that. (New England cranberry crops are legendary.) It may serve your plants well to mulch with something like pine needles, just as the ground freezes, as very cold temperatures will dry the plants out. Rake the needles off in early to mid spring (when overnight temps are consistently above 28 degrees F), and you're good to go. New shoots on the plants will suffer if left exposed below that 28 degree F temp. If you live in an area with severe winter weather, I recommend consulting a local nursery about protecting the plants.
In our milder winters (we have a few weeks in winter with consistent below freezing temperatures, but usually not more than that), my plants have never been winter mulched and have not suffered that I can tell.
They blossom later than my fruit trees, which is a plus here, as there are always bees around by cranberry blossom time. And they are self-pollinating, no need for a different variety.
Cranberries do not like soggy soil conditions during the growing season, contrary to the myth that they grow in bogs. Traditionally, they were harvested by flooding the fields. Ripe and good berries would float, making them easier to harvest. But they can survive "wet feet" in the dormancy of winter.
They also do not tolerate drought well. Cranberries prefer a soil medium which is both well-draining and retains some moisture, such as peat moss combined with sandy soil.
Cranberries are acid lovers. We have ours planted in an area adjacent to some blueberries, azaleas and rhododendrons.
If you're serious about your cranberry production, you can fertilize with a fish emulsion for the first 2 years. This will cause the plants to send out many runners, filling in your bed. But suspend fertilizing after that, or you'll have all runners and no fruiting up-rights (the part of the plant that grows vertically and has the blossoms). But, I never fertilized mine. Not even once. I just planted them in very good soil (we'd lasagna gardened this soil up, both raising the level of the soil and improving fertility). They began producing fruit the second year.
Plant either mid-fall or mid-spring. I ordered mine through a catalog in spring, one year. The plants were quite small, but I have enormous patience with this sort of thing. I think I paid about $3 per plant, and bought 3 plants. Those 3 have filled in a patch about 4 feet wide by 20 feet long, over the course of about 8 years. And they've yielded about 4 quarts of berries every year for the last 5 years.
I enjoy baking with the cranberries. Cranberry bread or muffins are always a hit in our house. I likely would not buy as many cranberries as we harvest. So this is definitely one of those fruits that I'm very glad we planted.
And I'm afraid that's the extent of my cranberry-growing knowledge.
Our yard really does not get the amount of sun to ripen our berries fully. But I figure, hey they're cranberries, they're supposed to be sour, right? And we're up against the very end of the season for leaving them still on the plant. So we picked, even though some are not the fully deep cranberry red we've all come to expect.
Good thing, too. It's thundering right now, with a very cold rain.
I understand, a lot of folks just don't enjoy cranberries. It's one of those love 'em or hate 'em sort of fruits. But if you do like cranberries, and are interested in growing your own, I'll tell you a little about them.
Cranberries are a ground cover. We use them as an ornamental in our landscape. The tiny green leaves turn a lovely rust in autumn, and are an evergreen. This makes for a lovely ornamental in the winter landscape in areas where the ground is exposed (meaning little to no snow). They can be planted in a patch, to make harvesting simpler, or can be used in the general landscape, as specimen plants.
In areas where winters are harsh, they can survive, and quite well at that. (New England cranberry crops are legendary.) It may serve your plants well to mulch with something like pine needles, just as the ground freezes, as very cold temperatures will dry the plants out. Rake the needles off in early to mid spring (when overnight temps are consistently above 28 degrees F), and you're good to go. New shoots on the plants will suffer if left exposed below that 28 degree F temp. If you live in an area with severe winter weather, I recommend consulting a local nursery about protecting the plants.
In our milder winters (we have a few weeks in winter with consistent below freezing temperatures, but usually not more than that), my plants have never been winter mulched and have not suffered that I can tell.
They blossom later than my fruit trees, which is a plus here, as there are always bees around by cranberry blossom time. And they are self-pollinating, no need for a different variety.
Cranberries do not like soggy soil conditions during the growing season, contrary to the myth that they grow in bogs. Traditionally, they were harvested by flooding the fields. Ripe and good berries would float, making them easier to harvest. But they can survive "wet feet" in the dormancy of winter.
They also do not tolerate drought well. Cranberries prefer a soil medium which is both well-draining and retains some moisture, such as peat moss combined with sandy soil.
Cranberries are acid lovers. We have ours planted in an area adjacent to some blueberries, azaleas and rhododendrons.
If you're serious about your cranberry production, you can fertilize with a fish emulsion for the first 2 years. This will cause the plants to send out many runners, filling in your bed. But suspend fertilizing after that, or you'll have all runners and no fruiting up-rights (the part of the plant that grows vertically and has the blossoms). But, I never fertilized mine. Not even once. I just planted them in very good soil (we'd lasagna gardened this soil up, both raising the level of the soil and improving fertility). They began producing fruit the second year.
Plant either mid-fall or mid-spring. I ordered mine through a catalog in spring, one year. The plants were quite small, but I have enormous patience with this sort of thing. I think I paid about $3 per plant, and bought 3 plants. Those 3 have filled in a patch about 4 feet wide by 20 feet long, over the course of about 8 years. And they've yielded about 4 quarts of berries every year for the last 5 years.
I enjoy baking with the cranberries. Cranberry bread or muffins are always a hit in our house. I likely would not buy as many cranberries as we harvest. So this is definitely one of those fruits that I'm very glad we planted.
And I'm afraid that's the extent of my cranberry-growing knowledge.
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