MYOB – How Much Do You Know About Author Finances?

ROGUE’S PAWN is out now! This first book in my original Covenant of Thorns trilogy has been re-released with gorgeous new covers. Look for book 2 coming July 26 and book 3 releasing August 16.

***

This week at the SFF Seven we’re MYOB – Minding your own business!

Seriously, we’re taking a long look at how we manage the financial side of being an author. There tends to be a wide range of strategies for managing author finances. As all authors are primarily creatives (with the small exception of the widget-makers who hire ghost writers to write for them, which is another kettle of stinky fish), not all possess the inclination to crunch numbers and balance accounts.

In truth, while I think all authors should have a thorough understanding of what they should be earning, not everyone needs to be a financial guru of their own writing career. In truth, the most comfortable place for an author – or perhaps any creative – to be is independent of the need to make money doing it. This, of course, requires either family money (marrying money counts) or a spouse with a great salary and benefits. In these cases, writing money is all “gravy” and I know many authors in this position who don’t really track that income.

The major downside of this model is it means traditional publishing has favored those with this privilege and also takes shameless advantage of these authors. There can be a lot of funky tickling of the financials, both from publishing houses and literary agencies. Believe me: I’ve seen it.

Learn to read your royalty statements and hold those who handle your earnings accountable.

The flip side is if you’re like me – someone who is supporting their household with writing income. This is the other extreme, where ALL finances are author finances. I track everything scrupulously, to the point of using mathematical models to predict my future income. That’s the thing about writing income: it’s super unpredictable. Sales wax and wane, often due to reasons beyond anyone’s control. Traditional publishing pays quarterly if you’re lucky and semi-annually otherwise. There’s almost no way to predict what those checks will look like, so I end up behaving like the privileged writer as above – I treat my trad income as gravy.

Self-publishing income is what allows me to pay the bills with writing. That money comes in monthly and, because I can access my sales dashboards in real time, I can reasonably predict how much money will come in. The downside of self-publishing is that the author fronts the investment. KAK covered a lot of the nitty-gritty of self-publishing costs yesterday. Most self-publishing authors can implement the simple math of outflow vs. inflow. That is, what you pay to produce and market the book should be less than the money you make from it. Where it gets into higher math is managing that income so that you can cover the costs of being alive.

With a salaried job, or even hourly income, the basic budgeting model is to figure your monthly income, subtract your expenses, and the rest is “disposable,” meaning you can spend it on stuff you want vs. the stuff you need. But with a fluctuating monthly income, this simply isn’t possible.

So, my basic model is to try to keep enough money in savings to pay for two months of expenses should I have zero income in any given month. (Which hopefully will never happen, knock on wood. My backlist is substantial at this point, so the baseline backlist income is relatively steady.) Once I have that in place, I can pay for some of the things that make us happy. This is VERY important. It’s tempting to confine oneself only to needs and funnel any “extra” money back into growing the business. This works okay for a while, but it gets soul-crushing over time. We work hard; we must also play hard. Anything else is unsustainable.

As a creative, maintaining your joy in the work is key!

From my initial announcement, you’ll see I’m also republishing some of my trad-pubbed books. I did ten books with Carina Press and now have the rights back to all of them. Those royalties came in quarterly, so I’m eager to see how my income on those books changes for me. So far I only have ROGUE’S PAWN up again. Republishing meant paying for covers and formatting, so a bit of investment on my part. Hopefully it will pay off.

As with all businesses, writing for a living requires a lot of hoping for that pay off. Being smart about crunching those numbers provides the reality. A balance of both is best.

First Cup of Coffee – May 12, 2022




Transcript
00:00.37
jeffekennedy
Good morning, everyone! This is Jeffe Kennedy author of fantasy romance and romantic fantasy I’m here with my first cup of coffee.

00:15.70
jeffekennedy
Delicious coffee elixir of life. How the hell are you guys today is Thursday may twelfth. Yeah, ah, it’s um. Fairly warm I mean coolish warm here in Santa Fe and overcast this morning and it’s not windy so I’m out here in the great barber for once in a straight on shot because I don’t have the rising sun in my face. Ah, it was really nice to wake up to a little bit of moisture in the air and the little bit of cloudiness stillness is supposed to be windy today but maybe after this, it’s come back off although I see. Mid next week is looking Windy again. My I move my plants outside this weekend I I know that this is something if you have listened to this podcast for a long time. The moving my plants outside is always a yeah, an event. It’s a deal you guys and I’ve left it long this year because I didn’t want him to get battered by the wind. But I think I’m going to go ahead and do it. Um, there’s one that I hesitate to move out to the front porch with this monkey tree. That’s really great. And it’ll get torn up by the way and but then the leaves grow back. So I don’t know I shouldn’t obsess. Ah, so um, ch ch ch things things something rustling nearby. What could it be a mouse There are a lot of rodents again this year

02:18.18
jeffekennedy
Yeah, so I make good progress on the on the book yesterday. Um I was still not done with this revision. It’s still going slowly but on um Tuesday I made it through 47 pages and yesterday I made it through 41 which so that’s going considerably faster than I was I’ve also been adding a lot of words I’ve added well so far for this revision I’ve cut almost 2000 words and I’ve added um. Trying to forgot what the actual ad was well I’ve gone up a net of nearly 4042 pages to go so theoretically I should finish the revision today I did not mean to hit that excuse me. We do not need to open a Zoom conference. So I’ve got writer coffee today. But otherwise I hope to get to that revision and can add those remaining words at least with this revision something happened that I was hoping would happen in that. My overall word count revised down. It’s not going to be 102000. It’s gonna be like a 98000 which I mean I realized that it may sound immaterial if it’s like 95K, 98K or 102K but I mean it’s a difference of a couple of days of how long it takes me to write it. So I take 98000 is probably going to be spot on. Glad for all of you who are excited about the 4 epilogues I’m excited about the 4 epilogs. And then we shall. Um, yeah, get this one out there. So speaking of getting books out there I had kind of an exciting exciting slash daunting event yesterday ah congratulations are in order because. I got the rights reverted to all 10 of my Carina Press books 10 books people. It feels like the end of an era um Carina press was the first to publish me well almost. Um, LooseId and Ellora’s Cave each published one smallish thing for me I did Petals & Thorns with LooseId and then the the vampire books my vampire books in um, with Ellora’s Cave.

05:09.20
jeffekennedy
Doing feeding the vampire with Ellora’s Cave because they wanted Petals & Thorns and there was communication problem and dhad already taken it but those were all smallish books. Um. More so smallish presses whereas we had such high hopes for Carina back in the day because it was um harlequin’s digital imprint. We thought we were gonna get like the whole harlequin marketing machine behind it. Some things manifested other things didn’t um. Carina was I loved working with Carina I really did and I still loved the people at Karina I learned a lot there. They were great they were great to me Angela James you know, started out running. Ah. Press came over from Samhain books which they did pronounce Samhain I asked the owner once ah, you know there’s just a lot of history. There. It was a really heady time. You know it was around um the around 2000 8 2009 and it’s just funny to look back on. Yeah so 10 books 10 books I did with Carina will be mine now I know I will make more money on them selling them myself. So that’s great. Ah, however, this is ah leading to a bit of angst. It’s like I have to do covers for 10 fucking books people I’m tempted. Maybe I’ll package some of them I don’t know I need to like figure out the smart way to do this. Some of them are smaller. Um, contemporary bdsm novellas. In fact, 7 of the 10 are contemporary Bdsm and which is like not full on my brand right now. But so I have to figure out how I want to do this. It requires thinking and planning and marketing savvy and I’m not feeling really equal to the task at the moment and then the 3 that are fantasy romance my covenant of Thorn’s trilogy I’m going to have to make up my mind about that because do I do I fix them I’m tempted to fix them at least the first one there. Yeah I know I’m so I’m almost inarticulate about this.

08:00.54
jeffekennedy
Because I go back and forth right? It’s like do I because Rogue’s Pawn, the first book in Covenant of Thorn’s was the first novel I ever wrote and I revised it multiple times and I can see the ways now that it is flawed some people love it. I don’t get many. People loving it the way that I used to but that could be because of Carina and I know that I can recover rebrand remarket. Ah you you know it’s so funny because like the the bargain with the fae king kind of thing is such a. Big deal in kindle unlimited right now in fantasy romance. That’s what that’s what these books are they’re about a scientist who ends up in Faerie and makes a bargain with this ah Fae, Rogue, and as usual and this sort of my my blessing and my curse I was I was kind of ahead of my time on this stuff but also my fairy my landa fairy my fay are all more alien and weird. What many people are writing these days and I think I mentioned this on here before but I saw someone tweeting about reading it and they didn’t tack me I I don’t remember why I picked it up I think maybe it came up under because I like I a search for my name and. Somebody said they were picking them up and were all excited and then she didn’t enjoy it. She said um that she felt like she’d gotten whiplash between the whimsy and the darkness and I don’t know maybe that’s my brand I feel like this is the spot I live in. But I’m wondering if I should go through and smooth it out. Also there is this section of the book. That’s very very dark that is stuff that I did not want to write I wanted it to be there only in flashback and my editor really pushed me um, like 3 times i. Ended up like right? she kept way more and more and more and so I ended up writing this whole scene and I know that that’s something that people really react to very strongly because it is ugly. It’s meant to be ugly but I never meant it to be on page so I’m really tempted to go in and take that out. Um, frankly I’m you know like on the other end of the spectrum I’m tempted to go through and rip the whole thing apart and redo it which no I know I can’t do that I won’t do that and so then the other extreme is not to touch them at all and just.

10:49.23
jeffekennedy
Take the files put them up have done buy stuff to pay for covers covers for 10 books 4 of the books are novellas that um are my facets of Passion series and those are um, sapphire platinum ruby and 5 golden rings and 5 golden rings was supposed to be called oro but Angie James thought that no one would get oro which means gold and. And it takes place in Mexico and it was in a holiday anthology. So what do you think? do I keep the name the same do I change it I’m tempted to put it back so many things so many decisions you guys I know that this is a champagne problem I know this is a good problem to have I i. Bitched in 1 place on a forum and I think and really I only got hearts which I think was like good problems to have Jeffie I have 10 books that I can release.

12:04.45
jeffekennedy
Now. So then the other three I guess I I didn’t say the other three are my um, falling under books which are full length contemporary bdsm novels and. So one way to approach this is to put up the ones that have sold the best right? and it’s definitely those books those books I’m actually surprised they reverted the rights to me on those books because they um they they still continue to sell pretty well. But I mean I might just try to set up a deal where I have like a release every thirty days on Amazon right? Just keep the momentum going along with my other books I’m releasing I do have a. Reserved spot with my cover artist Ravven for the rest of the year and probably we’ll just keep doing it that way I can always cancel but I can get her going on these covers and they’re not horribly expensive. They’re not what other people. Pay you know, like for other stuff but it’s still a financial investment right? Oh gray magic is live. Okay, so now all 3 bonds of magic books are live in Audiobook. I just got the message last night so I need to get those going for some reason acx put the second book in erotica and I don’t know why and I asked them to change it once and they haven’t done it. Feel like it should be in the same categories as book one. So I’m going to have to deal with that more business e things right? business business. So that’s good news. It’s it’s like that. Ah, but it it really is good. News. But. Ah, did make me think and I even made this note the other day and then forgot to oh no I think I made it later on the day on Tuesday but you know 1 thing about earning your living as an author which we talk about that. It’s the dream and I did think that this was funny. Um. Ah, few weeks ago on the sf f seven where I blog one of the other writers said that because we said um, are you a full time writer is it your dream if you are you know like how do you do the finances and so forth and one of the.

14:47.41
jeffekennedy
Writers said that they are absolutely a full time writer that they’ve always been a full time writer and just because they have a day job doesn’t mean that they’re not a full-time writer. Ah, you know and it’s like okay, but you’re you’re kind of mincing words here. This isn’t what we’re talking about when we say full time writer. It means it does mean a few different things right? and and people want to be able to claim it because it’s like some kind of badge of honor which I don’t. Think it should be because being a full time writer I think means that you don’t have another job that you don’t have any kind of day job or so you know most of us have like side gigs of teaching or other things but not. Salari not consistent income. Um, that’s what I think it means but just because you’re a full time writer does not mean that you are supporting yourself with your writing and that’s really the dream right? That’s what we want is like this. Have the career where you support yourself as a writer a lot of writers are subsidized by a salaary benefited spouse which is no shame I mean that’s that’s great. Um, and I wish I had that because it would be much It’s just a lot more security. It’s much easier because the thing about it is that yes, this is the dream that you don’t have another job that you get to write full time but you know the thing is is it is a fair amount of pressure that. You know, just like I’m feeling with finishing this book where you know like I really want to get it so that I get that money from Amazon you know thirty days earlier right? if I get this book out by the end of may then I’ll get that money by the end of July and I’m looking ahead to my finances. Later in the year and it’s like I need to have a certain amount of money coming in every month so that I can keep us afloat and you know it’s one of those things where I think a lot of us think that earning being a full-time writer supporting ourselves as a writer means that we’ve made it. That we’ve gotten there and as I’ve talked about many times making it is an illusion right? That’s there is no made it there. You know unless you really hit the jackpot as a writer where you make a whole slew of money enough so that you never have to worry about it again.

17:29.26
jeffekennedy
Then you’re always hustling. You’re always looking towards that new book to releasing those new books just like I’m talking about with my reverted writes books you know, getting that you know packaging I’m and getting them ready to go. Um. So. It’s just something to consider because I think a lot of us think if you and I certainly did for a very long time like I had my number in my mind when I still have my full time career type job I thought well once I make enough money from my books. To be equivalent to and I 2 milestones right for my salary. What I was making as an environmental consultant which was admittedly a high bar. They paid me well which was wonderful of them and then if I figured in like the value of my benefits and I thought well you know like if I could get into that area. Then I’ll be fine right? because I’ll be bringing in enough money from the books to be equivalent to my salary but the thing is is even though you’re bringing enough money from the books at 1 time doesn’t mean that you will continue to do so because it waxes and wanes and things go in and out of fashion. That’s another thing with my covenant of Thorn’s books is I admit to a fair amount of insecurity about whether these books are really good enough and whether people will like them or if I should retire them of course that’s the eternal insecurity of the altar right? so. Um, yeah, that’s where I’m at I really feel like I need to hire someone to do promo for me to do to be a publicist and maybe I need to circle back to that because the 1 person I tried to contact they never. Got back to me. Oh well. So um, yeah I’m gonna go get this podcast up and then go out and have um, we’d still call it writer coffee. Although one of the guys wants to call it writer or brunch because we do sit there for a couple of hours and eat so I’m going to a new to me place in Santa Fe not new to Santa Fe because it’s been here since the mid 70 s apparently and I don’t think I’ve ever been there while the other guys suggested I was like never been there looking forward to it so I’m gonna do that. And I hope you all have a wonderful Thursday and I will talk to you all tomorrow take care bye bye.

Three Things I Did to Sustain a Full-time Writing Career

The audiobook of BRIGHT FAMILIAR is now available! And GREY MAGIC in audio will be out very soon!!

This week at the SFF Seven our topic is: Being a full-time writer – is it your dream? How do you pay for life and write, too?

In this instance we’re defining “full-time writer” as someone who doesn’t have a day job or other paying occupation that competes with writing. Most of us – unless we marry money or inherit a trust fund – continue to work jobs even after our first books are published. Sometimes for a LONG time after that. For myself, I continued to have essentially two careers for just over twenty years after my first publication.

I worked in environmental consulting while all the while carving out time and energy to write. I kept waiting for my writing income to match my day-job salary – even not figuring in benefits! – and it never got there. Eventually life made the decision for me: my primary project got axed, our team dissolved, and I was laid off with decent severance.

And I made the decision to try to have only one career at that point.

It hasn’t been easy! KAK’s post from yesterday about being exacting with a budget is super important.

This is especially true if, like her, you have only yourself to count on for income. Or if, like me, you are the primary breadwinner for your family. When authors give advice on managing finances as a full-time writer, it behooves you to pay attention to what other financial help they have. It might not be a trust fund, but having a spouse with a steady salary (and benefits!) goes a long way. Other authors live on retirement income or other, similar sources.

So, how have I done it?

1) Meticulous budgeting.

As much as I can, I budget a quarter at a time. Writing income is volatile and, unless you’re making buckets of it, you can’t count on being able to pay the bills with income from a single month as you can with a regular paycheck. As KAK mentions, you can’t figure your disposable income by simply subtracting your expenses from that month’s income. You may need that “leftover” money for next month, or the month after. The financial gymnastics require creativity and flexibility.

2) Tracking sales

Data is everything! You can’t afford to be only a dreamy creative. You have to wear your business hat and crunch the data from your royalty reports. You have to be ready to be stern with yourself and pay attention to which efforts generate income and which don’t. You may find you can’t afford those passion projects if your writing is what puts food on the table. OR, that you can afford them only if other projects are paying the bills.

3) Self-Publishing

If writing income is volatile, then income from traditional publishing has the lowest evaporation temperature. It comes, it goes – often on an annual or semi-annual basis. Quarterly is likely the most frequently you’ll get paid, and every royalty check is a surprise! Again, unless they’re cutting you BIG checks, it likely won’t be enough to live on. This is why so many trad-pubbed authors also teach or have other side gigs. Self-publishing provides monthly income. Yes, it fluctuates, but you can also track sales and predict how much money will arrive in two months. Taking the surprise out of the equation helps immensely! You’re also not subject to the whims of traditional publishing on a number of levels.

Those are three practices that have helped me manage a career as a full-time writing with essentially no other income. The other, quite obvious step, would be to make buckets of money and never have to think about budgeting again.

Maybe someday!

First Cup of Coffee – March 21, 2022




Transcript
00:00.00
jeffekennedy
Good morning everyone this is Jeffe Kennedy author of fantasy romance and romantic fantasy I’m here with my first cup of coffee. Which is actually not all that satisfying. It’s green tea this morning and I didn’t get the water hot enough. Alas today’s Monday March Twenty first was my stepdaughter’s birthday today. Happy birthday Lauren ha. So um, how was your weekend. Mine was good. Mine was good. Um, rejuvenating I did stay unplugged almost entirely yesterday I did plug. Turn on the laptop in order to set up a Zoom call with my husband’s siblings and so we did a cocktail hour with them. What was fun. Oh I take to. And went ahead and made some coffee and I boiled hot water and tried rejuvenating my grain tea so going to let that steep. Ah all right? So let’s dry that first cup of coffee. Ah, that’s so much better. All right? So Monday Monday Monday I’m going at it with renewed vim and vigor. Hopefully um I didn’t quite get. Two k per day every day last week I actually did about the same as I did the previous week which is interesting. Um the previous week I got eighty nine sixty and last week I got 87 64 so not quite as good. And that was the previous week was going for three k per day which I still didn’t do. But I think I’m going to do another week of trying to do two k per day and see what happens. Um Thursday i.

02:27.81
jeffekennedy
Hit tired and didn’t get much and then Friday I did better but I still got just 1500 I was I don’t even remember Fridays feels like a long time ago. Um I was not getting many per hour on Friday. Well no, what my problem was. 4 ah 2 6 15 and 5 ah two were my 3 word count averages. Oh although I that’s right? So for that third hour I actually went back and revised the prologue in chapter one because I sent those off. To the romantic fantasy shelf is organizing a benefit anthology for ukraine and they had asked me if I would contribute something but they wanted like a 5000 word short story and reader I do not do 5000 words short stories and I didn’t really have anything that I could give them um and they so they said well um Miranda Honfleur and Jessica fry have been organizing this. They said what we’re asking some of our authors to do and they were very flattering to me so that that always works where they said something about me being like a leader in the field and I don’t know what? All. Ah, but it was like oh you know? and besides I wanted to help but they said you could give us the first chapter of your work in progress and then it’s a sneak peek for the readers and I was like oh because you guys know I just don’t normally show stuff until I’m done. Especially since sometimes my first chapter changes. So but they’re putting the caveat in there and I think that this first chapter won’t change that much of course now I’m totally paranoid that it sucks and everybody will hate it. But. When I went back to revise and I spent an hour we’re revising the prologue in chapter one which together are pretty close to 5000 words. Let us just see what they are. That’s why I love excel. And knows that excel is telling me now that I can ask it to analyze my data without all those troublesome complicated formulas which I think is kind of funny. It’s like I know how to use formulas. Um 4500 words between the 2 so so yeah that’s what I did I didn’t want to send it.

05:13.20
jeffekennedy
As is and so I went and revised and I didn’t end up changing a whole lot. So for what it’s worth.

05:27.80
jeffekennedy
I could have put a little dollop of cream in this and it would have been better zip terrible if I pop off and fix my coffee yet again, it’s a Monday I’m gonna do that. Okay. And guys will be relieved to know that I’m finally happy now so much better that even if I do just a tiny little spoonful of cream. It just helps take the edge off. So um, yeah. Was kind of a different weekend I ended up running a lot of errands. Um, for those of you who watched the podcast on Friday you will know that our car is probably totaled David got rear ended. Um, we haven’t gotten the. Final word yet, but that’s what that’s what everybody is predicting so we shall see I suppose there’s possibility that it will be repairable. But I I think we’ll probably find out today. Um. So on Saturday David was feeling I mean he was sad. You know he goes out and drives for uber a lot on the weekends and he was so he was kind of feeling at loose ends and kind of. I mean it is a loss right? I mean I I know that like a car’s an inanimate object but he um went out Friday morning and got all his stuff out of the car and he said it looked kind of sad being there in the tow lot left. Left alone. He said you know we’ve had that car for 5 years and he’s spent a lot of time in it. So um, so Saturday I had a board meeting for a SFWA at 11 so we kind of hung out in the morning. Took it easy bread and stuff and then I did the board meeting and gave them notes for the one o’clock nebula conference planning meeting and instead I skipped out with David and we went and looked at cars we went out for lunch that was very nice and we. Went to carmacs the inevitable stop and we went to Toyota to look at their came rays and we went out to the Tesla dealership because we were thinking maybe of going electric or hybrid. Um, but.

08:09.92
jeffekennedy
The cost for the car is probably yeah like even a used tibrid car is probably going to be a lot more expensive than what we want to spend so we did a lot of number crunching. We do have a jeep. And he’s going to see about maybe being able to drive the gp if we don’t have the car payment. The camera was almost paid off. We would have had it paid off by like November of this year so that’s it that just figure. Um, the good news is we don’t know much on it. But. We um, you know if we’re not paying insurance and not the car payment then that frees up some money each month and he figured out that it cost him something like ¢13 a mile to drive. Camera and it’ll cost ¢19 a mile to drive the gep so it’s not terrible difference. So we’re going to see how how that works we’re going to see if he can drive that for uber he has to get it inspected and everything. But. Probably have to put a new battery in it. But we’re going to see how that works for a while and then maybe see if we could save up cash for a hybrid. So so that’s the plan. Um, we could finance it maybe. 1 of the things about and I don’t know if other people talk about this so you know David and I are both basically on freelance income at this point in time with him driving for uber he does get a small retirement stipend because he took early retirement and he gets and he has his social security. Which is also not a lot and I’m the major wage earner now. But one of the I know the downsides one of this odd parts about being a writer, especially if you’re self publishing is people don’t want to give you loans It’s hard to get financing for stuff and Grace Draven and I were talking about this. Not long ago because she’s looking at getting another traditional publishing contract for a standalone. She said she’s not going to do a series again. But she does have an idea that she gave our agent because we have the same agent and possibly go on submission with that and the major reason for her to go and I was surprised because Grace was like I don’t want to go tread ever again because she hates the externally imposed deadline. She doesn’t.

10:51.66
jeffekennedy
Feel like she makes as much money. In fact, she’s calculated. She doesn’t make as much money on tried. But if you’re getting paid by somebody else if you have a contract like that. It’s easier to get credit to get financing for stuff isn’t that funny. Whereas if you have freelance income where you’re just making money you know like from Amazon selling stuff you know selling your books on Amazon They don’t even care how much you’re making each month they don’t want to give you a loan. So I guess it makes you go to? um. More of a pay by cash which is good. Um, but yeah, funny thing so we shall see on the cars. Um, we we did have 3 which is arguably one too many for 2 people. Ah the ah thing is is is our other car is my. 96 jag convertible which doesn’t do great on snow and ice. So it’s a bit of a limitation there but the car’s in great shape. So somebody the other day called it. My vintage jag. Were saying Jeffe drives a vintage jag and I thought you know this is one of the things about you know and I and I feel like I you know I’m middleaged but you know it’s like getting up there in years. It’s like when I bought the car. It was not vintage. So it’s just um, funny how things in your life become vintage over time and I was trying to think about how old my stepdaughter is today and I think she’s forty I think she’s turning 40 rty today so and and when we were having the cocktail hour with David’s siblings last night it was um, you know we were just talking about the ages of the various grandchildren and so forth and Kathy his older sister. Her granddaughter. Is they’re taking her to blackcock Colorado to to the casinos for her birthday and I said yeah but is she old enough to to go to a casino and I was joking but you know they’re like yeah she’s 25, but so anyway, ah so it was. It was fun going out and looking at the cars and seeing what was available and we do have a couple of salespeople looking for something good for us apparently hybrid cars are moving pretty fast with the gas prices. So no surprise there and let’s see what else um.

13:43.95
jeffekennedy
Oh and then Saturday night I did the live stream the Youtube live stream for the group that is doing the campaign to combat violence against women be a w and they have I will include the link in the show notes because. They have um, part of their fundraiser I’m giving away several things so you can get a tuckerization from me and I forgot to talk about this before the live stream because I suck but you get a tuckerization is something that you can purchase and that means that you get to have your name. In 1 of my future books as a secondary character. Although um, what’s funny is Karyn Hardie in The Arrows of the Heart. That’s her book. She started out as she was a tuckerization that guide. Bought for his wife from another fundraiser and so that was that was her name and so that’s where when I she was originally a very minor character I thought she was probably only going to be mentioned and then I thought she was only going to have a cameo and then she ended up having her own book. So you never know you also I’m also offering a um, a 30 minute Zoom chat coaching or just to shoot the breeze and also a critique of first five thousand words of a chapter or some such. So I will put that link in the show notes but really great group. They’re pretty awesome and well worth bidding on those things. So so yet we ended up staying up late Saturday night which is just kind of funny for me. Um. That’s like a big deal. But after the live stream I hadn’t wanted to eat before it because we’d been out like running around. We’d had lunch outright and I wasn’t hungry before I’d just be there for the live cast by like six thirty so David made this dinner afterwards. So we ate late which is also very unusual for us and we watched the truman show and I was enjoying watching that I hadn’t watched it for a long time so we ended up staying up and watching the whole thing. So I stayed up to like 11 I know right. And then slept in Sunday morning. So that was lovely and then as I mentioned I stayed offline all day yesterday. So that was restful I got a lot of things done I went and bought my sweet pea seeds which I am going to plant today the tradition in my family.

16:34.27
jeffekennedy
At least it comes from my grandmother I don’t know if my grandmother got it from anyone is that you soak the sweet pea seeds in buttermilk overnight and you’re supposed to plant them on St Patrick’s day I didn’t do obviously I missed planting on St Patrick’s day but I figure as long as I observe that. Particular timing the magic still works. It’s funny because um, some of you who have been watching the podcast for a long time may recall two springs ago in March of 2020 when I could not get sweet piece sees I looked. Everywhere for them and I was planting them late because we’d been in lockdown of course and and and oddly enough my little local neighborhood hardware store which has a whole lot of stuff that we need. Um. They had tons and tons of seeds and they had 1 pack of sweet pea seats only 1 kind and I even asked the guy who owns the store and he’s like I think there’s there’s you know it’s like they buy the collection but the collection did not contain sweety sees so I went out to the nursery. My favorite nursery here in Santa Fe Newman’s and they had tons so there is not a sweet piece shortage I want you all to be aware that we we’re okay so I’ll get those planted today on one of my writing breaks and. I got some of my pictures framed and’s see the the little witch that krene gave me and you probably there’s too much glare on the one above from the window. But that’s ah, a new piece I got a a unicorn had to pause to sneeze. There are tree pollin is now high officially high. So. So it begins and I also framed the piece that you gave me for a Christmas mom so that’s hanging up so you know like lots of little things I got a lot of that kind of stuff done. This was my to do list from yesterday because I wrote it on paper. So I wouldn’t have to go turn on my laptop to look so I got quite a few things done. You’ll notice quite a few are crossed off not everything. But so anyway, um, yeah I guess I don’t have a whole lot to say today. But the. 1 thing that about doing the Youtube live cast is one of the girls said that she really liked listening to the ah the first cup of coffee and she was like it’s just like having a little chat over coffee and I said that’s exactly what I’m going for so I hope that it was.

19:21.18
jeffekennedy
Ah, good little trap for you guys too and I will talk to you all tomorrow take care Bye bye.

Real Information on Author Finances

Our topic at the SFF Seven this week is again eerily timely. We’re talking writer finances. How do you budget for uneven income? What’s your biggest expense?

With so many people struggling financially due to the #COVID19 shutdowns, managing money is heavy on many people’s minds. It’s odd to find myself well-equipped to deal with this because – as a full-time writer with no other income and with a non-salaried spouse who does not provide me with health insurance – I am always juggling the financial balls. Come on over to learn more!