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"Never invest money in anything that eats or needs repairing." - Billy Rose
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Boring Update & Question about Bonds

June 16th, 2021 at 04:27 PM by FocusedinmyForties

It's been a few weeks since my last post - since then, not much to report. 
School is going well, and I have adapted to the workload.  I'm happy to say that it feels much more doable, I was just overly excited and doing a lot at once lol.  I've fallen into a good groove, and can't believe that the end of next week marks halfway through the session.  
Work is still nuts, and I haven't heard about the promotion yet.  It would be in effect for July...
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hardly any savings again!!

June 16th, 2021 at 10:19 AM by mumof2

So we were doing great with our savings but then we had to buy a bed that cost over $3000 plus bedding (so almost $4000)  and we had to use the CC...I was going to keep saving and just pay off the CC but I hate having debt so used our savings to pay it off and now only have $700 in savings...was hard but knowing we are debt free again fills me with peace of mind more...so we are debt free again.
Hubby loves to do prospecting as a hobby but has been unable to due to me being...
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One Year Debt Free

June 16th, 2021 at 12:41 AM by Lucky Robin

On the 12th we passed our one year debt free mark.  It has been an interesting year.  The freedom that comes with not having the oppression that debt provides is remarkable.  While not much else has changed here, attitudes have.  Tension levels have.  Loosening the reins is something allowable.
Are we as far ahead as I had hoped we would be?  No.  And Yes.  Medical bills continue to be a thing we have to plan for.  The unexpected always...
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Retirement Update and Hog Fund Update

June 16th, 2021 at 12:23 AM by Lucky Robin

Our retirement accounts now total $56,864.42, a difference in total of $2,689.12 in the last 17 days.  Most of that is from contributions from us and work, but about $400 was profit.  DH worked a lot of overtime on the last two paychecks so close to $1940 was what we contributed.  I hope one day work will go back to contributing 5% instead of 2.5%.
As for the Hog Fund, after I met my goal with the Beef Fund I had $29, so I transferred that to a new envelope and...
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Gifts

June 15th, 2021 at 09:12 PM by CB in the City

I had a few more gifts to buy -- two family birthdays this month.  I had some cashback rewards on my Discover card, so my out-of-pocket spending was only $25.  Variables are at 77%, and it's only halfway through the month.  Hope I can stay under this month.  The computer problems messed with my budget!  But the good news on that -- all my accounts are now linked to the new bank account and I'm only waiting to make sure all the automatic payments/deposits...
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An update - it's been a busy 2 weeks of june

June 15th, 2021 at 05:50 PM by LivingAlmostLarge

Where should I start?  Guess with the most interesting.  DH's company turned down the buyout.  They didn't want to go back and work for a Megacorp.  I was surprised but at the same time someone pointed out they left their soul-sucking jobs to do something they believe in. They made enough money already that making more money didn't seem the point.  I can't believe it.  I'm glad because my DH is happy and still moving forward.
Spending for May
Groceries...
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Reflections on Student Debt Payoff

June 15th, 2021 at 04:14 PM by Greenleaf

I paid off my student loan! I should receive an official letter within 20 days, but the payment has already been deducted from my account and the balance on the web portal is listed as zero. Somebody posted asking how I paid this off, so some reflections on the process:
 
First, I have been very lucky. My parents helped me with undergrad tuition and I have worked part time jobs for other spending money since high school, so I never had any other debt prior to entering professional...
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good news

June 15th, 2021 at 06:26 AM by mumof2

Well some good news today..first my friend in the US who had surgery a month ago is finally stable enough to go back to her rehab hospital...she had lots of complications but is doing much better today...so glad was able to speak with her.
Then got a call from my mom our family friend that they thought had a stroke he didn't it was his heart they put in a pacemaker and he is being discharged today...he will be staying with my mom as his kids won't stay with him and he needs someone...
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First big installment of inheritance

June 14th, 2021 at 11:50 PM by Steve

Not that this was unexpected but as of close of business today, my late cousin's main IRA has been transferred into my account: $433,656.00. The money was already effectively mine but actually having it in my name is one more step in the process.
His Roth hasn't transferred yet. I'm guessing that will happen tomorrow as it's with the same firm (Wells Fargo). He also had much smaller traditional and Roth IRAs with Vanguard which should be in the process of transferring as I spoke...
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Another expenditure

June 14th, 2021 at 01:11 PM by CB in the City

Yesterday I was reminded that I wanted to contribute to a scholarship established by a good friend of mine.  I sent in $50.  Wish I could do more than that, but it is what it is.
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Quit My Job

June 13th, 2021 at 08:42 PM by Amber

 
Well I decided to leave my toxic job. I’ve never done anything like this but my peace, and health was more important. 
 
I witnessed a ton of abuse, as well as illegal activities, my blood pressure skyrocketed and I had anxiety as well as insomnia. I really want to report them but but doing so will blackball me. 
 
Thank God I started paying down this debt,  saving money and refinance my house. Without doing so I would have had to...
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Gassed Up

June 13th, 2021 at 03:06 PM by CB in the City

This morning I went to the gym, and since it is close to Sam's, I filled up the tank.  $23 for half a tank.  I think the posted price was $3.29.  Yikes!
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Next chapter of the estate saga

June 13th, 2021 at 12:30 AM by Steve

I just reread my post from last week saying I was pretty much done with the "debulking" of stuff. Boy was I wrong. A week later and I've put out 3 more bins of paper for recyling and taken 2 carloads of stuff to the thrift shop. I've sold multiple items on Marketplace and have a couple listed on ebay. I have several more that I'll probably list tomorrow. I keep unearthing more stuff. It seems to go in layers - get one layer cleared and discover there's another layer behind it....
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Spending

June 12th, 2021 at 01:54 PM by CB in the City

Yesterday I took my grandson to dinner.  We both got appetizers and the total was $25.  I also picked up $25 worth of groceries at Aldi.
This morning I ordered a birthday gift for my Oregon DIL.  Using $23 worth of credits, I only paid $20 out of pocket.
I transferred my funds to the new bank account yesterday.  They advised that I wait until I see that my automatic payments/deposits are working before I close the old account.  It will be a month before...
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Still Cleaning Up

June 11th, 2021 at 02:24 PM by CB in the City

I'm still cleaning up after getting scammed.  Yesterday I froze my credit reports and mailed in a request for copies of each one.  I would have requested them online, but it was too convoluted a process.  I'm hoping I froze them in timel.  It's hard to remember everything I have to do.  But I think I'm ready now to transfer my money from the old bank account to the new one; I have updated all my automatic payments/deposits.  When that's done I can...
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a happy/sad week

June 11th, 2021 at 06:14 AM by mumof2

First off some good news..I finally got my bed yesterday so it was nice to finally be able to sleep in a bed again..all new bedding...the dog wasn't so sure LOL.
Went over today to put our dishwasher at moms house and of course I went down hill when we went to the store...really wish they would find a cause for it...so hubby took me back to her place so she could babysit me and hubby could get back to get what he needed to finish it up...while there we got a call a family friend...
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Promotion

June 11th, 2021 at 02:13 AM by terri77

I got the job! I actually posted that here on May 7th when they made me the tentative offer, but when I went to post it the blog disappeared. So I took that as a sign & decided to wait until I got my final offer. I got my final offer Monday & it was actually effective the day prior. I have one week remaining in my current role as lab supervisor.
A series of things has happened that has made me determined to sell my condo. I will then rent an apartment where my new position...
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Free Food/ Senior Appreciation Day

June 10th, 2021 at 01:57 PM by Wink

I went to my grocery store last Tuesday to pick up a few things and to start taking advantage of my newly discovered 10% senior discount every Tuesday. They were also having a senior customer appreciation day, and every senior (60 years old or older who have the store club card) received a free bag full of products!  What a nice surprise. The bag itself is a very nice, very large reusable grocery bag. Inside I recieved these items:

1 pen 


1 roll of paper towels 


2...
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Scam

June 10th, 2021 at 12:31 PM by CB in the City

Well, it happened to me.  And I let it happen, which is the worst part, but at least not too much damage was done.
I'm talking about a computer scam.  I thought I was talking to a Microsoft rep, but no, of course I wasn't.  In the end, I had to freeze my bank account and open a new one, change all my passwords, get my computer cleaned, and update all my automatic payments/deposits.  A lot of work, which I'm still doing.  The only money I "lost" was purchasing...
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Crossroads - choices

June 9th, 2021 at 05:06 PM by LivingAlmostLarge

We are at a crossroads.  Unfortunately we are not able to control our crossroads.  What does that mean?  Well DH has been at a startup as you know.  We took a risk and it's paid off.  There is a serious offer on the table and it means quite a bit of money.  Life changing?  Yes.  We would have hit our FIRE number.  We would be completely able to Fat FIRE.  Combined with our current savings and we are looking at a 2x FIRE number. ...
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