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"My formula for success is rise early, work late and strike oil." - John Paul Getty
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Second to Last Monster Mom Loan Payment

May 29th, 2020 at 09:57 PM by Lucky Robin

$2000.00 Balance Forward
-1000.00 Payment Made
$1000.00 New Balance

One more payment to go and I am debt free, ya all!
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Keeping Busy and Moving Forward

May 29th, 2020 at 09:47 PM by My English Castle

Today was my daughter's last day of high school. It was, as expected, very anticlimactic. They'll take cap and gown photos next week. She started the process for an online summer class at my home campus, transferable to her university this fall. Once the paperwork goes through, she'll be set.

I participated in an online focus group about online education for 90 minutes today for which I'll receive $100. It was fun and interesting to meet with nine educators from all over...
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I'm surviving

May 29th, 2020 at 06:02 PM by Fern

Spring can be a VERY busy time of year around here. Unfortunately, I pulled a hamstring a month ago, mostly ignored it and as a consequence it really hasn't improved much. My knee is incredibly stiff. Yesterday was really the first day I tried to do as little walking on it as possible, and today I'll do the same, but tomorrow will be a good weather day and I REALLY need to install the hardware cloth on the bottom of the 2nd raised bed and fill at least half the raised bed with...
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Trying New Things!

May 29th, 2020 at 03:27 PM by Creditcardfree

It's a time of discovery. A time to create the new lives we want to live! Despite not being able to garden IN our postage size yard, I did meet my desire to plant some food this spring. I am growing, sweet peppers, basil and a patio tomato plant. I also stuck the end of celery in one of my pots to see what happens. I may not do it right, but I'm trying! I have grown tomatoes before, just not in a pot. The basil is growing fast and it's a bit hard to keep up. However, today I will...
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Payday Friday

May 29th, 2020 at 02:57 PM by Firefly

It’s payday Friday & I received 2 of my paychecks. Hopefully they’ll have my third check for me at my new job this evening. I thought it would be direct deposited, but maybe it will take another cycle before that starts.

This payday I wrote checks for my state & federal taxes, as well as a donation to my high school alma mater. They took out my full loan amount for my TSP, so they will need to refund me the overpayment as my loan will be paid off. My increased TSP contribution...
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Repair Fail

May 29th, 2020 at 12:46 PM by CB in the City

The new handle for the microwave arrived yesterday, and I was feeling energetic so I set right to making the repair. I found a good video on YouTube. But I had some major problems.

First of all, the previous owner, it turned out, had superglued the old handle to the screw inside the door. I had to literally tear up the handle to get it loose, and I really didn't think I would ever get the screw out. At some point I decided I would have to buy a new microwave anyway, so I...
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new budget starting june

May 29th, 2020 at 01:21 AM by mumof2

Our new budget starts next week and I can't wait each month we will have savings towards our house deposit...

I can't believe it is almost June, hubby will finish treatment, our budget changes and we can finally start a healthier routine than what we currently have...I am excited for the rest of the year...hopefully our savings goes up and my weight goes it me or is this year just flying by...will be christmas before we know it
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May Check In

May 28th, 2020 at 01:30 PM by klarose

Mortgage -$112,099.92 (-$158.64)
Medical Loan #1 -$1,400 (-$100)
Medical Loan #2 -$6,400 (-$320)

Roth IRAs +$14,918 (+$794)
401K +$26,684 (+$1,644)
Emergency Fund +$3,787 (+$376)
Animal Fund +$416 (-$90)
Truck Fund +$2,045 (+$10)
HSA +$1,678 (+$250)

Overall: +$3,562.64

Markets recovering. Only paid minimums on debt and our automatic savings this month. Hanging onto money with the refinance and Covid-19.

Already have the minimums saved for...
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some places/ people making it worse

May 28th, 2020 at 01:19 PM by Smallsteps

I am in awe everyday at the amount of complete mess this pandemic has brought to light.

We will learn very little as all the data seems corrupt i have only seen one state go back and try to correct their official counts on death as EVERY death is counted as a covid death in many many places.

NOW due to the complete lack of foresight for FRAUD some states mine included have been overrun with fraudulent claims. SO now all the unemployment numbers are corrupted...
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May 28th, 2020 at 12:09 PM by CB in the City

The result of my antibody test is negative. That doesn't mean I didn't have a mild case, but it does mean that I did not develop detectable antibodies. I'm a little disappointed, but I was planning to continue being very careful anyway.

It was warm enough yesterday that I decided to turn on my air conditioners. But one of them would not turn on. I checked the cord and the outlet, and they were fine. I looked up troubleshooting, which suggested getting to the internal control...
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52 Week Mega Money Challenge Week 2

May 28th, 2020 at 06:53 AM by VS-from-oz

Because I'm trying to be diligent with our mega money credit card challenge I made sure that on our payday, the challenge payments were made also.

This week it was my turn to have $100 on my cards so I have listed that my share has been paid for the $200 week. I have split the payments into $33 on my NAB card and $67 on my Virgin card; this has been based on the proportion of both cards owing at the start of the challenge.

And because this week it was B's turn to have...
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New Retirement Budget/Healthcare Costs

May 27th, 2020 at 10:35 PM by Wink

Now that I am retired my monthly budget will change starting June 1st. When I was considering retirement, the biggest financial concern I had was the cost of healthcare. My cost for healthcare now looks like this:

Medical Coverage (Includes a Prescription Plan) through the college: My Monthly Cost: $422.00. The college pays $381.81
(The total monthly cost for Medical with Prescription plan is $803.81, of this I pay $422.00 monthly, the college pays the rest)

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$20K Update

May 27th, 2020 at 08:29 PM by Banker Gurl

Current Balance $15,610.00
+$60.00 Property Management Hours
+$215.00 FB Sales
+$50.00 MO Payday to Our Savings (5/22)
+$30.00 Phone Savings
Balance $15,965.00

Local Savings $2370.00
GC Savings $4100.00
Capital 360 Savings (US) $3285.00
Capital 360 Savings (Mom Loan Payback Account)$3860.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $15,965.00

52 Week Challenge
2020 Total =...
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FB Sales for most of May

May 27th, 2020 at 07:53 PM by Banker Gurl

I do have more sales to log, but at this point I am so far behind I am doing it in chunks to just keep from getting way too far behind. It seems like I am selling so much but my inventory doesn't seem to go down at all even though I haven't been buying anything new since all this Corona business started. I still have a lot of spring/summer items to post and am working on those.

Sales for (most of) May were $306.00!!

Sale #1717 (MS) $30.00
Better Homes and Gardens Large...
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Mileage Per Diem

May 27th, 2020 at 03:55 PM by Creditcardfree

My husband is out of town for work. He finally had two days off in a row on Saturday and Sunday, but worked Monday (Memorial Day) Strange times we are in, where the time off happens away from the family. But this is really like a deployment for many, so I have to look at it through that lens and be thankful that most days I have been able to see him.

They gave him the option of flying or driving to the destination. He could also have rented a car. He decided to drive his truck,...
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Tests and Errands

May 27th, 2020 at 12:35 PM by CB in the City

I was out most of the morning yesterday, first to get my two tests, at two different locations, and then through the Panera drive-through and finally, a 20-minute shop inside Aldi. I spent $14 at Panera for bread, bagels and cream cheese, and I spent $48 at Aldi. I was so focused on social distancing and getting out fast, that I forgot three things on my list. Well, one I can't get at Aldi -- popcorn kernels. The other two were spaghetti and maple syrup. I can probably get...
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new normal and WFH

May 27th, 2020 at 06:24 AM by LivingAlmostLarge

So DH has been given the opportunity to WFH permanently and through the end of the year. What that means for us and what we are doing about it?

First off our house is not exactly suitable for all four of us living in it all the time. It doesn't really work with both of us working, him full time and me intermittently part-time from home. We have a nice home. It's 3bd/3ba with a large playroom/bonus room. But there isn't a fourth bedroom or dedicated office. We have about...
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Mostly a Rant

May 27th, 2020 at 01:59 AM by Lucky Robin

I took DD to her primary doctor today as a follow up for her ER visit. He did prescribe her more valium, but only another 10 days worth. I wish he could have seen what a difference it has made to her day to day living, but all he's worried about is it being an addictive substance. Not so much about helping with pain and making those tight muscles relax. My mother has been on valium since I was a child and takes 3 times as much. We understand that it can be abused. But when...
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Memorial Day

May 26th, 2020 at 11:17 AM by CB in the City

I can't express how great yesterday was. We met in the designated park -- it was almost empty! We found a shady spot under a tree and set up -- six feet apart. We ate our brown-bag lunches and talked for three and a half hours! The boys rambled around as we talked. They had their skateboards and frisbees. The weather was perfect, as long as we stayed in the shade. It was such a good day. I hope we can have more of them.

DIL gave me a Revlon One-Step hair dryer. It was...
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heard nothing yet!!

May 26th, 2020 at 02:35 AM by mumof2

We haven't heard aything back yet from the landlord about the gutters or the dripping we hear in the roof yet so have emailed the agent today and see what happens, we are due for a lot more rain in the next week and really don't need flooding inside or we will see what happens, we are due to sign our lease again aug so we will see if she wants to keep us or not...we don't want to move...but only time will tell.

Although if anything flooded like in our last house...
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