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Archive for October, 2016

Home Addition Update

October 24th, 2016 at 06:06 am

We got all the goat's drawn for testing yesterday, now just have to pack and ship. I'm glad that job is over and done with. I'm trying to sell a goat to try and help pay for the cost. Which is around $400.

At a recommendation I called another construction company. They came out and looked the very next day, and then gave me an estimate the following day. I was shocked. I am so used to getting the run around for months and never hearing anything back. So now we are just deciding if we are really ready to do this. Our mortgage/taxes/insurance will go up about $300 a month. Whew. Which is still within most people's mortgages, but we've been used to paying such a small amount it's going to be hard to stomach. So we need to revisit our budget, and think hard about it.

If we are okay, then the bank needs to come out and give our house an appraisal, and after that clears we will be able to get started on building. I am so excited and also nervous. I hope we are not making a huge mistake. We will be more than doubling our home debt. Which sounds scary.

Medical Bill

October 11th, 2016 at 08:11 am

I went and put my medical bill on my credit card yesterday. I had to argue a bit because the lady that had previously offered me 10% off if I paid in full within 30 days wasn't there. The new person said it was only if I had paid that first day. Then she only wanted to give me 10% off what I paid yesterday, instead of off the entire bill. Arg.

Anyway I held strong, and did end up getting the $186 off I was promised. So in the last month I've paid from $1,860 to $1,000. Not bad. I have until Dec. 6th to finish the rest, which is when the credit card will be due.

My animal fund is quickly dwindling from the purchase of winter hay. I'll need to come up with $450 for goat testing within the next 2 weeks, ugh. But I'm expecting to have around 20 kids between December and March. I'm also raising my prices again by $50, so I'm hoping for a nice profit this year. Definitely hope to put more of a buffer in the animal fund so wintertime isn't such a burden.

Late Payment

October 8th, 2016 at 08:13 am

Oh my goodness I made a mistake. My mortgage is due on the 10th, and I meant to pay it last night but forgot. When I logged in this morning to pay it, it said my payment was past due... Then I realized Monday is a holiday so my payment won't post until the 11th now. ARG!

I called the bank right away, and they said I was fine. My bank has a 10 day grace period, thank goodness. But I feel so dumb. I'm going to have to be more careful with Holidays in the future. I don't usually wait this close until the payment, but it's just the way paychecks fell. Yikes!

Mortgage is down to $46,355.72

Relaxing Weekend & Taxes

October 6th, 2016 at 06:53 am

My husband is going camping this weekend with some friends and I'll have the whole house to myself. I'm kind of excited to be able to lay around, clean, catch up on some chores, etc.

I'm sending $500 for estimated taxes today. I am so lost when it comes to being self employed and paying taxes. But since I have my part time job, I think I'm actually withholding as much or more than I did last year. And I believe if you pay at least 90% of your previous years taxes that you don't have to pay estimated taxes? So actually I don't think I need to send any in, but I'd rather be on the safe side. After this year I'll have a better idea about how much I will owe in the future. For now I've been putting back 25% of all my freelance money. I'll hang onto it until tax time and I know if I owe more or not. Would be lovely to get to keep all that though. Wink


My bank account changed their online portal, and I haven't figured it all out yet. When I tried to submit an extra payment to the LOC I accidentally sent it to the mortgage. Arg. Oh well. It's not worth calling and getting it corrected, it's still paying down debt. Just not the one I was hoping for.