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"It is generally agreed that casinos should, in the public interest, be inaccessible and expensive. And perhaps the same is true of Stock Exchanges." - John Maynard Keynes
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Emergency Fund Update

September 18th, 2021 at 12:23 AM by Lucky Robin

$16,756.69 Starting Balance
+__,_35.88 Allstate Safe Driver Check
+__,_10.00 Coin Jar
+__,___.58 Louisianna Pacific Dividend Check
$16,803.15 New Balance
Net Worth rises to 117,768.33
I'm not sure when I'll be able to add more to the EF.  Maybe January.  I'm more worried about adding to the medical fund currently.
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RIP Iggy

September 17th, 2021 at 02:42 PM by CB in the City

Yesterday was the day that had to come.  I had to have Iggy put down.  The fluids helped for a long time, but eventually his health declined to the point where I felt it was kinder to him to let him go, rather than prolong his agony.  I was a blubbering fool all day yesterday, but today I am feeling better.  It helps to know that I did the right thing for him, even though it was so hard for me.
It was $150 to have this done at my vet's office.  She couldn't...
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Today is closing day

September 17th, 2021 at 01:22 PM by terri77

After a one week delay, today is closing day. I'm excited, but a little nervous. I think more nervous than when I bought my condo for some reason. I'm heading there this toning to make sure that I have the mail box key identified correctly. Then my parents' may have an extra key, which I will pick up. My realtor has a set as well. I hope the bee buyer enjoys the condo. It was good to me for many years.
I'm still undecided about how to use my funds, but I will definitely invest...
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Payday 9/15/21

September 16th, 2021 at 08:27 PM by FocusedinmyForties

Yesterday was payday, which is always exciting, even if I am not starting off broke like I used to!  
I briefly mentioned this in my last post, but I received my tuition reimbursement for the summer semester with my last payroll.  There was a bit of a mix-up, and they taxed it when it is not supposed to be taxed, so that was corrected with this payroll.  I was able to send a big chunk of that reimbursement to 401k loan #1, and will send the remainder by the...
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It's So Quiet...........

September 16th, 2021 at 03:28 AM by My English Castle

Yeah, that's how I feel all the time with our DD gone to uni.  It's so quiet. No Taylor Swift blasting all over the house, no Phoebe Bridgers going long into the night, no endless phone calls.  I do video chat with her a lot, but those other 23 hours are eerie.
In money news, I took a bunch of my university gals out for dinner.  It's an annual tradition my mom started as a way of showing her friends how much she appreciated them.  We had a lovely patio dinner...
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College is what you make of it

September 16th, 2021 at 12:21 AM by LivingAlmostLarge

My cousin's daughter is in her 2nd year at college.  She is going for free at a cal state college and living at home.  She had a 2 year tuition free scholarship.  Amazing.  So she's going to have 2 years of university for free and then transfer to a different UC or Cal-State and finish up.  So amazing.   She plans on being an elementary school teacher which as people know is not the best paying job but an essential one.  Since it's not high...
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Mid Month Update and Some Changes

September 15th, 2021 at 09:23 PM by Wink

After reviewing my assets and expenses, I made a few financial changes: 

I reduced my monthly recurring retirement account distribution amount from $1500 to $1200. This will go into effect in October. After a thorough review of my investments by my sister who is a CPA and CFA, and independently by my friend and tax preparer, who is also a CPA, both made similar recommendations. My basic bills are covered monthly by this reduced amount. I...
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Two Good Things

September 15th, 2021 at 03:01 PM by CB in the City

Two good things -- it's payday, and I will be done with antibiotics tomorrow.  The pain has not come back, so I think I'm good.
Nothing remarkable in paying bills today, except that I paid the second installment of my property tax - $427.
Feeling a bit down the other day, I ordered some skin care products on Amazon.  I am going to establish a new regimen, but there were three things I did not have -- eye cream, moisturizer with SPF 30, and serum.  Those three items...
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cancer is back

September 14th, 2021 at 10:06 AM by mumof2

Well has been quite a crappy day, I woke up with vertigo, mixed with my dizziness it is the worst feeling ever and I am glad it is started to makes me so sick....on top of that hubby had an appointment with his urologist to get his psa results and they came back that his cancer is back...his only treatment right now is hormone treatment, I'm just hoping that it works...we still have to see the docs and set up a plan to who is monitoring what but it was a pretty crappy...
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September 12th, 2021 at 06:53 PM by CB in the City

I woke up with a UTI this morning which necessitated a visit to Immediate Care and then to Walgreens.  I didn't pay anything at IC -- that will come later -- but I did fill a prescription and got an OTC drug, for a grand total of $56.  While I was there, I picked up an eyebrow pencil for $7.
The pharmacist told me the antibiotic would probably be rough on my stomach, so I'm waiting till dinnertime to take it.  I took the OTC drug and so far I think it's helping...
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Got Power Back!

September 11th, 2021 at 08:42 AM by terri77

Thursday afternoon my apartment complex got back power. I was so grateful! I never realized that I could sweat so much doing absolutely nothing. And then to add insult to injury, it would be hotter inside than outside! I now have all my creature comforts back: air conditioning, hot showers, & internet to binge on Netflix. When I moved I got rid of cable & got first an antenna (tried 2 & returned both) then I got a Fire Stick. I loved it so that I am getting one for...
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Sink fund?

September 10th, 2021 at 07:33 PM by LivingAlmostLarge

So I'm leaning more and more to a new furnace and AC.  Our furnace is 19 years old.  It will cost us around $13k all in (another estimate) with 15% costco cash back rebate.  Includes permits and electrical work all done and disposal.
I know it would be smarter to at least use the AC from the other person and pay only $6k.  But I'm not sure that's what I really should do.  We can sell it with a new AC and new furnace.  But the money.  Do we have...
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September 9th, 2021 at 05:10 PM by Brunette Getting Out of Debt

Thank you all so much for all the support and great ideas on my last post!
One of the comments made me realize I haven't talked much about retirement savings.
We have a couple different accounts for retirement. As I am a teacher, I have a pension, so about 10% of my gross pay is automatically taken out of my paycheck monthly. I also have a 403b which I contribute an additional $900 a month towards. (We are looking to bump that up soon... just as soon as I print and fill out the...
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I hit $500k

September 9th, 2021 at 02:33 PM by Rachael

Hi guys
Some random items...
I hit $500k. This is a big milestone for me by the way. So many years had gone by where for the most part most of my money went into the rentals. I still have a job and am funded thru 2023 but am unclear the impact of covid restrictions on that.. and also not sure if I want to work that long at least there. Also have my trusty Suburban which will outlast me. I am striving to hit over $550k for the year.  I would like to hit $750k in savings before...
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Gift, Football Pool, Disintegrating Tile Floor

September 9th, 2021 at 02:14 PM by CB in the City

A little more spending ... I ordered a birthday present for my Oregon grandson, $52.  And I sent in my fee for the family football pool, $34.  Variables are at 19%.
I'm going to call today to see if the contractor who did my ceiling also does tile floors.  My kitchen floor tiles are cracking -- either because they are that old, or because the subfloor is shifting.  My ex has offered to pay for it, though I'm not counting on it.  I just need to get the...
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Unemployment Week 6 - Got A Job!

September 9th, 2021 at 07:44 AM by VS-from-oz

Happy to say that my work trial was only really for the morning and that by lunchtime I was offered the job!  I'm really happy that searching for a job is now over and done with, the people are lovely and I feel like I could be there for a while.
I was going to post earlier but got sick after my second Pfizer dose - nothing requiring hospital visits, simply a short cold then a bad sinus infection for around 6 days, so was certainly not up to doing a blog entry.
This is my...
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Emergency Fund Update and Retirement Update

September 9th, 2021 at 03:25 AM by Lucky Robin

I didn't put anything in the EF this payday, but last payday I had $49.93 left to go in, plus I had $3.38 in interest bringing the EF to $16,765.69.
They still haven't put this week's contribution in to the retirement account, which is very annoying.  I know there was a holiday on Monday, but it usually goes in on Friday and now it is Wednesday and nothing.  So I'm just going to list it anyway, since it rose quite a bit from my last retirement update.  It is now...
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Payday Report for 9/3/2021

September 9th, 2021 at 03:12 AM by Lucky Robin

I continue to save money to the medical fund at a rapid rate.  I need to save enough for orthodontia, plus enough for next year's medical deductible and out of pocket max.
I owed DS $9.59 because he picked stuff up from the store where he works for me, so I just added that to how much he got for his allowance.  He has $57.04 left to complete his $1000 emergency fund, so that will be met with his next paycheck.  At that point his allowance will drop from $60 every...
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Closing Delayed

September 9th, 2021 at 12:10 AM by terri77

I was scheduled to close on the condo this Friday, but it has been delayed due to the lender not having everything accounted for. I'm disappointed as I was looking forward to closing that chapter & getting some cash to invest, but I have no other choice but to be patient. It was a rather short closing date target to begin with, maybe a little too ambitious.
I came back to the city yesterday morning. My apartment complex has few residents staying here. It makes me feel a little...
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sometimes i just wanna vent..

September 8th, 2021 at 11:52 PM by LivingAlmostLarge

Nothing financial.  Nothing about finances but just write a vent.  Please read with a grain of salt that this is just me complaining. I've lead my DK1 girl scout troop for 4 years now. I have lead it solo for the past 3 years.  Even the 1st year I lead it (2nd grade brownie) I did everything and the co-lead showed up.  Since then we've done a rotation of parents signing up to stay and help but never lead.  Okay I was with the program but it's exhausting....
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