Category Archives: Economics

A room of her own–furnishings

We set up with just a desk for my son, a desk for me, a card table and 4 chairs. Little by little, I brought stuff from La Yacata in order to make it more functional. I had a wooden TV table that now supports my printer and the internet box, the main reason for renting this place, after all.

Before

Before

There were a few shelves that originally were in my son’s Spidey room. A little yellow paint and they work nicely in the kitchen. I scrubbed the hideous green paint off the wooden insert in the kitchen and my son stained it.  What an improvement! I had a two burner electric hot plate that works for our occasional cooking. I bought a tea kettle and 4 dishes, and 4 enamel tin cups. I was going for utility rather than luxury. I brought a few pans from the other house, a container of sugar and tea and the kitchen was set up.

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The washer, of course, was the central kitchen item. Even after owning it for several months now, I still caress its lid when I go by. I’m very pleased with my purchase.

Before

Before

The English teacher across the street said she was getting rid of her daughter’s twin bed. In exchange for a bus ticket to DF, it was mine. I had to wait about a month though since she wanted to replace the bed with a double bed and didn’t have the money to buy both the base and the mattress at the same time. Eventually, the day arrived and we went to take possession. After a bit of Tetris, the bed left her itty bitty house, crossed the street and entered my itty bitty house. It’s lovely, really.  Now I can nap if I so desire.

Classroom

Classroom

Nap area

Nap area

I also wanted to get a twin bed for my son’s room. We had enough boards at the house for my husband to make the base. After weeks of prodding, he finally did. A few more weeks of prodding, it was delivered.

So now I was in the mind to buy a mattress and maybe some living room furniture. I started my search at the new Fabricas de Francia. Ok, I admit, that probably wasn’t the best place to find a good deal. I had already discovered washers there were 30,000 pesos. But I was window shopping right? Well, after checking the price tags on a few pieces, it was time to hightail it down the escalator. I also vetoed Famsa after the looooong delay in receiving my washer. Coppel had some mattress for under $2,000 pesos and free delivery, but I still didn’t want to pay that much. The sofas and stuff weren’t really nice either.

Before

Before

So I decided to wait for the Maraton–which is an annual furniture sale in the convention center just outside of town. There were all sort of, umm, interesting models. Not really my cup of tea, but hey, maybe somebody else wants a crib that matches their dining room set. Mattresses were anywhere from $2,000 to $3,000 pesos. The genuine leather living room sets were very nice, but SOOOO out of my budget. Fortunately, they had a scratch and dent tent outside. There was a nice blue loveseat, but just a little too expensive for me.

Before

Before

Then, I found them. Two little brown vinyl chairs. Perfect. They were good quality and I could afford both of them. I paid cash, which caused some eyebrow-raising, and they wrapped them up to go. I spent the afternoon moving them about my itty bitty living room, delighted with my purchase.

chairs

The mother of two of my students had sold me a bronzey mirror for my son’s room awhile back. (See Ladykiller’s room remodel) She said she had a second one that she also wanted to sell, but at the time I didn’t really need it. Now, though, I said I would like to buy it. She surprised me my last class before Christmas vacation by telling me she was giving me the mirror. Score!

Curtains were another issue. The two front windows had those slatted Venetian blinds, but it was still possible to peak in. After pricing vinyl window paper, I decided to just use the plastic contact paper I had bought to forar (cover) my son’s books at the beginning of the school year. It added a bit of privacy to both front windows and the back door. The two remaining windows were larger than typical, so I had to make some curtains. I bought a set of sheets for that purpose, kept the bottom fitted sheet to use as a sheet and cut up the top flat sheet. It was cheaper than buying fabric.

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I ordered some bedding from Zulily which actually arrived before the beds. I ordered matching bedding so that it all could be washed together in the washer. Practical huh?

After an exhaustive search, I finally found a twin size mattress for just over $1000 pesos at La Bodega. A little bribery in the form of “I’ll buy you a bag of cement if you will take me to pick up the mattress with the truck” to my husband and the mattress was mine.  Well, my son’s.

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I had in mind a little table to set between my two living room chairs. I found an unvarnished one that would do in el mercado (market) however they wanted $250 pesos for it. Too much, in my opinion. But wait, my son is still taking carpentry classes as his school and his current project was a small coffee table. There we have it!

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I also wanted a tree stand. Draping our coats on the chairs and dropping our helmets on the floor got old real fast. And as the house is itty bitty, well, there’s no room for that sort of disorder. It didn’t take much effort and only 250 pesos to get that necessity. A carpenter shop on Pipila had just what I wanted.

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But I wasn’t finished yet. In August I joined the school teacher tanda. A tanda is a Mexican money saving scheme. One person is in charge and receives the money. Each participant is given a payout number. Since we get paid bi-weekly at the school, our tanda was also bi-weekly with a contribution amount of $500 pesos each time. I choose the last number because in my mind I didn’t see the sense in continuing to make payments when I wouldn’t be receiving anything more. Sort of like paying for the cake when it’s already been eaten. The thing is, you have to be sure of the people involved. I’ve heard tell that sometimes the organizer refuses to pay. Or participants don’t give their contribution so others end up short. So it’s a risky business, to say the least.

Anyway, my number came up at the end of February. I received 3,500 pesos after 4 months of waiting. I don’t know that I’ll participate in any more tandas. Seems like I could save the money myself just as well. My plan was to get a loveseat for the living room, or maybe a small kitchen table and chairs. But the universe had other plans.

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A room of her own–Paying the Bills

About half way through the month, an envelope with my name on it was slid under the door. I probably was a bit more excited than the situation warranted because it was the first Telmex bill. I hadn’t even had the service a month yet, and it was already due. The next step was trying to figure out how to pay it.

I tried paying it online, but the system didn’t like my payroll credit card. So then I thought I’d try and go to the Telmex office to pay it there. There is only one Telmex office and it is smack dab in the middle of the mercado (marketplace). I went after school and could NOT find a place to park my moto. Two for two in failed attempts. But, the third time is the charm, right? I went to Soriana with the intent to pay the bill at the register. Only, I paid for my groceries and forgot to pay for the bill, so I had to go back through the line again. There is a 5 peso fee associated with paying at the store, but it was done.

Then rent was due again. I didn’t want to make the trek to Yuriria every month, so I called and asked the owner to give me a bank account number where I could deposit the rent. She gave me an account to HSBC, so I decided to swing by after my afternoon private classes. I struck out. The bank closes at 5:00. I had to try a second time right after school the next day, but it was easy peasy. It was certainly better than a long drive.

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The water bill also came with its outstanding balance of 600 pesos. The owner said that her brother-in-law took care of that (he works at the water company) and I wouldn’t owe anything until January. I expected a pretty high bill with all the washing I’ve been doing, but I guess it just comes with the territory.  And sure enough, the first bimonthly bill was $426 pesos.  A whopper!  Of course, I did wash EVERYTHING in the house, so I’m hoping that the next bill is less. However, looking at the breakdown, there’s a charge for each of the following:  agua, alcantarillado, tratamiento de aguas residencial, rezagos agua, rezagos alcantarillado y tratamiento, recargos, credito por redondeo, cargo por redondeo, IVA alcantarillado y tratamiento (water, sewage, sewage treatment for residence, water charge, sewage charge, surcharges, rounded up credit and charge, taxes on sewage and treatment).  My actual use was lower than the August and October usage, but the charge was exactly the same for the August bill.  Hmm.  

There were fewer options to pay this bill, so off to the water office I went.  Fortunately, I knew where it was and had until the 24th of the month to pay it.  Office hours were from 8 to 2 Monday through Friday.  Not exactly convenient for a working stiff, but  hey, them’s the breaks.  The trick is to get there around 8 before most Mexicans are up and about to avoid long lines.   I could use my bank card for only a 2% commission fee added on, but I opted for cash.  

I asked the girl behind the window what those rezagos charges were.  She said two past bills hadn’t been paid.  As I did not live there during that time, I am not responsible for those costs.  Guess who will be getting $200 pesos less in next month’s rent payment?

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The electric bill was my favorite bill of all!  During the 2 months, I had rented, I had used less than 50kWh which made me eligible for an 85% government assistance credit.  The production cost of the electricity I used was $373.14.  The government support was $333.49.  That meant I needed to pay a whopping $50 pesos.  Of course, there are rumors of this subsidy being revoked in 2017, so I won’t count on all my electric bills being so low, but hey, every little bit counts.  (See Tras gasolinazo, CFE sube tarifas de luz  and Electricity costs up, will continue to rise)

By this time I was an old pro.  Off to La Bodega I went, my little green bill in hand.  When I handed the bill over, the check out man asked me twice if $50 was the total I was paying.  I assured him it was, twice.  So he processed the payment.

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By this time, the Telmex bill was due again.  This time I headed to the office to pay and found a specially designed ATM outside ready to accept my payment.  Bill paying was done in no time.  I heard a rumor that there was one of these handy dandy payment machines for the electricity bill too.  I’ll definitely check it out next month!

In the meantime, the refrenda for my moto came due.  Conveniently enough, I could pay this bill at the Isseg Farmacia instead of heading to the department of motor vehicles and taking a number.  So that’s what I did. Two minutes and 119 pesos later, I was done.

Finished.  I feel so empowered!  I can pay bills in Mexico all on my own!  Yeah me!

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Filed under Economics, Electricity issues, Water issues

Failing at your own business–Blogging

Reposted as a guest blogger at Writers Bra.

You’ve all seen the headlines “Make money blogging” “Become a millionaire blogger” “Quit your job and blog the day away.” Well, as with all too good to be true schemes, making incredible amounts of money with your blog is realistically not doable for average folks. That’s not to say that there aren’t bloggers out there who found the magic formula and made lots of money blogging. Otherwise, there wouldn’t be books or courses showing you how (and making money for their authors). Unfortunately, I’m average folks and this is how monetizing my blog is going for me. (Spoiler alert–read the title of this post again)

So what is the magic formula?  Problogger reveals all:

  1. Set up your blog
  2. Start creating useful content
  3. Get off your blog and start finding readers
  4. Build engagement with the readers that come
  5. Start making money from the readership you have through one or more of a variety of income streams

Provided you’ve achieved steps 1-4, it’s time to start thinking about monetizing your blog. Here’s a list of income generating ways to consider. Some I’ve tried, some I plan to, and some are just not for me.

Advertising Income

The easiest way to add advertising income is to apply for Google Adsense.  If you scroll down to the bottom of the page, you’ll see areas where Google Adsense will place appropriate ads.  I don’t have to do anything but attract readers.  Well, that’s not exactly true.  I have a privacy policy and an About page with a way to contact me.  (See also 12 Things to Do Before Applying for Google AdSense)

Other advertisers include Infolinks, BidVertiser, and Medianet.

Affiliate Income

I also use affiliate income. With these types of link, if someone clicks and buys a product during that session, I earn a commission on the sale. I link to Amazon and Amazon Mexico products in my posts and include links to a variety of products that I think my readers would be interested in through FlexOffers and ShareaSale.


Find a sponsor for your web site. Get paid for your great content.

I have yet to earn any money through the last two sites but there are a lot of great companies listed!

I had an astore through Amazon as well, which listed products that I thought people considering moving to Mexico would find useful. This had been the most profitable option for me. In 2016 I earned almost $20. I know, I know. I’m rolling in the big bucks. However, mid-way through 2017, Amazon decided to shut the program down. So much for that!

amazon earnings 2016

I have also signed up for Zulily and G Suite affiliate programs. I’m always on the lookout for other companies that I think might be useful for my readers.

(See also The Ultimate Guide to making money with the Amazon affiliate program and 10 popular affiliate programs for small and medium sized blogs)  

I have added a disclaimer on all my affiliate link pages to satisfy legal requirements.  (For more information on this requirement see Best Practices: Blogger Disclosure Examples and Tips)  

With ads and affiliate links as additions to my posts, I’ve opted for readability over prominent ad placement. I probably sacrifice earnings, but my readers come to my blog to read my stuff, not shop. If they happen to see a link or ad that appeals to them and I earn a commission, well, that’s great too.

Events

Some blogs organize conferences to add to their income. One of my favorite blogs Raising Miro organizes World schooling summits and Teen Learning retreats.  This isn’t something I do right now, but maybe in the future?  Who can say?

Memberships and services

Other blogs offer paying memberships. Internations.org has a free version and an upgraded version.  For a yearly fee, you are entitled to use other services not permitted to the free loaders.

Other sites offer personal coaching or access to special lists and exclusive deals. I don’t know what I would offer paying readers that would differ enough to make it worth their while. I have mentioned that I’m available for certain jobs (See Failing at your own business–web design) but have yet to earn any money from readers contacting me.

Selling Products or Promoting a Business

My friend at ChildOrganics.com had an online business selling organic baby products for years.  She moved to a more informative setup and no longer sells those products but it was a major source of income for her family for quite some time.  I’ve started my writing career along with illustrator Claudia Guzes (who sells her artwork) with my first e-book.  I hope to add a whole series of e-books to my name in the near future.  I’ve promoted business as well, not that I receive a commission on that, but perhaps someday. (See Modern Day Marias–Maggie the provider and Modern Day Marias–Nicole the Liberator).  I like to think I’m paying it forward.

Courses are another way to offer a virtual product that will keep providing income.  I’ve highlighted a few that I particularly on my Finding your Passion page.

Asking for donations and Crowdfunding

I’ve seen bloggers asking for donations on a variety of sites.  However, I have taken my donate button off because Paypal does not allow for donations to any organization except non-profit.  I also had a crowd funding option (Indiegogo) to receive donations for La Yacata (See Generosity) which I removed, mostly because after a year I hadn’t received a cent.  I’ve heard about this option doing well for some people.  Unfortunately, I’m not some people.

Syndicating content

I have used syndicated content for one of my guest bloggers Jamie Miranda.  I asked permission to use her original blog post on my site with a link back to her blog.  I do not pay my guest bloggers, but appearing on my site does increase SEO for the original blogger.  Apparently, there are paying gigs out there for syndicating content.  (For more information See The 101 on Content Syndication: Who, What, Where, When and Why)

Reviewing Products

I’ve just begun my venture into reviewing books for pay.  You can read all about that here)  Although I have yet to make any money doing this, I have high hopes.  If other products come my way for review that would appeal to my readers, I’d be interested as well.

Become a professional blogger

If you love blogging, there are people out there who will pay you to write their blogs.  This isn’t a feasible option for me as I can barely get out my own posts in a timely manner.  I’ve got too much else going on.  But….it’s an option. (See How I Make $5,000 a Month as a Paid Blogger)

Selling the blog

If you’ve established a successful blog that you no longer wish to pursue, instead of just letting it languish away quietly, sell it.  You’ll get a better price if you’ve done everything legally by the book (no copyright infringements, adequate disclosures, etc).  (See also Signs You Could Sell Your Blog and Make Money)

There you have it, folks! The recipe for successful monetization of your blog. Have I missed anything? Let me know.

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disclosure

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Filed under Blogging, Economics, Employment