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"My formula for success is rise early, work late and strike oil." - John Paul Getty
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Taxes Are Done!

July 3rd, 2020 at 01:00 AM by Amber


Wrapped up my taxes, $538 refund. The new tax bill wasn’t good to me, it screwed up my deductions for the house but hey 🤷🏾‍♀️
Once I received the refund, I’ll pay $54 for tithes, $100 to the EF and the rest to student loans. I think I’m going to surpass my $1,000 student loan payment for July. Next week I should be able to drop another $500 on the loans, with the first check in July and extra cash being received. I am feeling so excited. I already paid $500...
[ Read More ]


Contractor Visit -- and the Chair

July 2nd, 2020 at 10:14 PM by CB in the City

The ceiling contractor came today and looked over the ceiling and the layout of my condo. I gave him a check for half of the total cost, and I will give him the other half when the work is done. Right now it looks like that will be August. He will send me some possible dates.

I am going to be careful to spend as little as I can during this time. This being a cash transaction, I will be a little cash poor.

Soon I will be going to another of GS1's baseball games. I will...
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July 2020 debt payments

July 2nd, 2020 at 03:52 PM by ceejay74

Mortgage payments hit:
US: $776 to principal
UK1: $191
UK2: $40
UK3: $43

That's a total of $1,050 of debt paid.

New household debt totals:

US Mortgage $368,807
Loan from friends (duplex) $9,000
UK Mortgage 1 $27,929
UK Mortgage 2 $5,888
UK Mortgage 3 $6,200
---
TOTAL DEBT $417,824
[ Read More ]


weirder rentals

July 2nd, 2020 at 01:25 AM by mumof2

So we are still looking for houses for my mom and these are the sorts of things they have in their ads...I have honestly never seen stuff like this before but it is so weird to me and wonder how anyone can rent their houses out
Exclusions: Fireplaces, external toilet, large shed and electronic functions on pod shower are not available for tenant use.

No wonder it is so hard to find her a rental...we see stuff like this on half the ads....and who still has an external toilet??
Oh...
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Rebates

July 1st, 2020 at 11:57 PM by Rob62521

We have received a couple of rebates. One was from Menards for some things we purchased for a new sink and faucet. We didn't really need anything as far as home improvement stuff, but then I thought about it and decided to use the money to buy paper towels, facial tissue, and toilet paper. I figured that is stuff we would buy anyway and why not use this "found money" to purchase it?

DH uses Miracle Gro garden soil to enrich his garden and they had a rebate of $2 a bag. He bought...
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Interest to EF

July 1st, 2020 at 11:55 PM by Lucky Robin

$7846.98 Balance Forward
+___3.81 Interest Income
---------------
$7850.89 New Balance
[ Read More ]


Payday Report for 7/26/20

July 1st, 2020 at 11:51 PM by Lucky Robin

I had a major fibromyalgia flare when we got back from Seattle followed by a cold I'm pretty sure I caught at the hospital, so I haven't been updating anything for a while. I still feel a little cruddy, but at least I am now upright. We are still on a wait and see with DD's tumor. We get another scan in 6 months. As for payday, there were a few hours of overtime on it, and here's what we did.

$337.18 Tithe
_400.00 Grocery Envelope
1000.00 Medical Fund
__75.00 Household...
[ Read More ]


Emergency Fund Update

July 1st, 2020 at 11:40 PM by Lucky Robin

I transferred $1000 out of the EF and into the medical fund. We have four pairs of glasses to pay for in the next couple of months and I wanted there to be enough money in there to deal with it.

$8846.98
-1000.00
-------------
$7846.98
[ Read More ]


Q2 Annual Goals Progress

July 1st, 2020 at 09:37 PM by Life Balance

Another quarter has passed so it’s time for my annual goals check-in to keep my goals visible and prompt me to correct course where needed.

(1) Get EF back to 3 months’ basic expenses – DONE! Poodle jumps!
(2) Adopt a permanent health-enhancing habit each month – on target
(3) Renew my professional certification by the September due date – DONE!
(4) Pay no CC interest or fees – on target
(5) Spend time with each kid to encourage his current area of growth – on target
(6) Complete identified...
[ Read More ]


July? Really?

July 1st, 2020 at 08:39 PM by My English Castle

Though June seemed to last forever, maybe Paul Simon is right, and July, she will fly?

We started the morning picking strawberries at a local farm. We went early to avoid the heat, and picked just one flat. I'll make freezer jam tonight, but freeze others for smoothies and maybe a strawberry margarita or two. There'll be some for desserts and lots for just eating.

Got the news that DD's UK adult passport app has been received so that's good news. And we've switched...
[ Read More ]


Closed!

July 1st, 2020 at 08:24 PM by Amber


Closed today, I’ll be getting a check on the 7th for just over $700 and I’ll also be getting a refund on the payment I made for July.

The first payment is due September so, I’m throwing August payment into the saving that will give me three to four months of mortgage payment saved. I’m happy with that because that was my goal.

Next I’m adjusting the budget, and my direct deposit, to account for the $222, I’ll be saving each month in mortgage since refinancing....
[ Read More ]


POP Contributions June 2020

July 1st, 2020 at 03:01 PM by Creditcardfree

Contributions to our Pot of Possibilities (POP) for June! Paycheck 6/1 $260
Paycheck 6/15 $260
Oldest Allowance $100
Total Interest $92.85
US Bank $12.32
Chase Rewards $17.87
Amex Rewards $51.39
Discover Rewards $0.37
USAA ATM refund 3.50

June Total $798.30

YTD Total $4,593.16
New Big Goal Total $76,677.09

Potentially could have included an Army Travel payment made to us this month which was over $1000, but for now we are holding it seperate for some potential...
[ Read More ]


Baseball Game and June Recap

July 1st, 2020 at 02:06 PM by CB in the City

My grandson's baseball game was so much fun! They won by 10 points, which didn't hurt -- but it was just fun to be out among people (socially distanced and masked) and cheering for the team. The weather was great, warm but with a cool breeze, and I found a place to plant my chair in the shade.

I noticed that the strap on my chair's carrying bag was ready to break. It's a heavy chair and I really need that strap. I tied it, but it's a temporary solution. I may have to get...
[ Read More ]


June 2020 Interest Income

July 1st, 2020 at 12:35 PM by Creditcardfree

It's time to report interest income. Interest rates are far lower, and we lost a great rate when a recent CD matured.

FNBO $27.20
NFCU $65.43
USAA $0.22
Total $92.85

That's about $70 less than last month. Interesting times. The good times don't always last do they? However, we are very grateful for what we do have.

These funds have been added to our Pot of Possibilities!
[ Read More ]


Refi, Student Loans and Saving Challenges

July 1st, 2020 at 08:42 AM by Amber


I’m really annoyed with the title company. My rate is locked in for a few more days and we are trying to close but they’re not responding. It’s crazy because I’ve used them twice before with no issues. I’ve given the broker to move on to another company.

I went ahead and paid the mortgage, though the rate is higher, my level of comfortability, is even higher. The broker told me I should be refunded. We will see.

Other news, I received payment from the side hustle,...
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Financial impacts of COVID (good & bad) pt 2

July 1st, 2020 at 04:16 AM by ceejay74

It's been a month and a half since my previous post about what COVID has done financially to our household. What a wild ride it continues to be! At least my mental health seems to be settling into a more stable place; not happy, but more accepting that it's going to be a long long time before things get back to anything resembling normal.

Anyway, money stuff:

- Salary. Last time I wrote, NT had seen a 5% paycut. Now, the paycut for him is 20%. The bonus is, he gets Fridays...
[ Read More ]


June 2020 net worth update

July 1st, 2020 at 03:34 AM by ceejay74

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $88,673
NT's Roth IRA: $43,474
AS's trad. IRA: $21,004
AS's Roth IRA: $64,468
AS's SEP IRA: $45,695
CJ's 401(k): $153,837
CJ's Roth IRA: $47,862
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,177,177

Debts:
US Mortgage $369,583
Loan from friends (duplex) $9,000
UK Mortgage...
[ Read More ]


Refi - Help

June 30th, 2020 at 08:27 PM by Amber


I was really hoping to close before the first. I have not heard a thing from the title company so I reached out to the broker. She’s telling me to hold off from making a payment. I’m nervous about that. She says if I pay, I’d get reimbursed, anyone know anything about this?
[ Read More ]


Financial plans

June 30th, 2020 at 08:06 PM by GratefulSaver

In a couple of months, my salary will go up substantially as I will be working full time, my husband is receiving a small pension with health insurance and in November of 2020 he will start collecting early social security benefits. I'll be 51 soon and my husband 62 in October. I am already contributing 15% of my income between a 403B, Roth IRA and Teacher's state pension. We thought about our next move financially and decided to aggressively try to payoff our primary home in 5-7...
[ Read More ]


June Spending/Savings

June 30th, 2020 at 02:20 PM by Wink

Income Total: $1654.65
* $1500 Recurring monthly retirement account distribution
* $100 Swagbucks earnings (cash out to paypal)
* $54.64 Credit card cash rewards

Total Spending: $1326.00
Total Savings: $328.65 (difference between monthly income and monthly spending)

Fixed Expenses:
Verizon bundle (internet, cable, home phone): $158.83
Cell phone: $61.28
HVAC and water heater contract: $27.95
Condo Fee (includes water) $190.00
Health Care:...
[ Read More ]


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