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Archive for December, 2016

Something Else in 2017

December 30th, 2016 at 06:16 am

Besides our already crazy remodel in 2017 there is something else happening in 2017 that I haven't shared.

Most likely in the fall I will be undergoing a new and innovative surgery for a possible cure for my very rare lung disease. They only started preforming these in the last year or so, and there is only one hospital and one doctor in the US which performs them. So we will have to travel to the east coast for a week.

Honestly I don't want to get my hopes up that it will even work. But my husband is absolutely ecstatic that I have agreed to go. I've lived with my issues for half my life so I can't even remember what it is like to feel normal anymore. But I know I worry my husband a lot. Poor guy gave himself an ulcer this summer when I had a bad coughing fit and nearly suffocated. He was more scared than I was.

Also, with my condition having children is not a super safe idea since none of my medicines are allowed to be taken while pregnant or nursing. So it's better to get this fixed if I can now, so we can start a family eventually.

My mother has graciously put back a lot of money in her flex spending account, and I won't have any medical bills.

There are still a lot of details to be worked out, but we've been in contact with the doctor. Insurance can take up to 10 weeks to okay the surgery, and then we will have to pick a date, etc.

I really didn't want to be the guinea pig, and I am super anxious about hospitals and needles. So keep me in your thoughts. 2017 is going to be a crazy year, but everything works out it could be life changing!

Goals for 2017

December 28th, 2016 at 12:46 pm

I've mostly decided on my new goals for 2017.

1.) Stay Below $105k Home Budget
2.) $1,500 for May Vacation
3.) $3,000 in Animal Fund
4.) $9,000 in Roth
5.) $3,000 in Truck Fund

My main goal for 2017 is completing a home addition, and substantial work on the existing house. We are going to cash flow as much as we can as we go along. This is so variable, but in the end I don't want more than $105k in total debt. With our current mortgage and LOC we owe $51,000. So that means we can only add up to $54,000. The rest will have to be delayed or paid for with cash.

I am going on vacation/business trip in May. I'm estimating to need around $1,500 for this. I already have $400. So it's a start.

The other 3 goals are recurring from previous years. I want to continue to add to our IRAs, animal fund, and truck fund. With the animal fund being the only need.

End of the Year Musings

December 27th, 2016 at 06:39 am

Christmas was great. Spent time with family, and I got practical gifts such as a nail gun and a vacuum I don't think anyone has every been as excited as me to receive a vacuum. I was nearly dancing with glee as I sucked every piece of furniture and every nook and cranny.

Unfortunately I was not able to complete my goals for 2016. But I am confident that I will have the money for the Roth by the April deadline.

I should have my credit cards from Christmas paid in full by next week. And I can't foresee any other expenses popping up. So that's good news!

I am unsure what goals I should set for 2017. Everything is so much up in the air. I am turning the loan application in for our home addition this afternoon, and then there is no going back. Every extra dollar will spent cash flowing remodel expenses in 2017.

We spent our weekend doing some much needed odd jobs on our house to get ready for the upcoming appraisal. This weekend husband will have 3 1/2 days off again, so hopefully we will get everything finished. It's nice seeing our projects come to a close... just in time to start more projects.

Is It Worth It?

December 20th, 2016 at 06:40 am

I have really been trying to lose some weight. The problem is, I love to eat. So I can't just eat salad daily like my husband does. My best friend has moved back to the area, and she goes to the gym daily. So I've been tagging along with her for a couple weeks. I am only able to go 2 - 3 times a week, on my work from home days, and on the weekends. Since I have to go at the same time as her so she can let me in, and she goes during the day when I am working.

I am actually really enjoying it! I feel stronger, and not so lazy. But I am beginning to feel guilty sneaking in the gym without paying, especially since I know the owner. I wanted to try it out for a couple weeks to make sure I would even stick with it though before spending a bunch of money.

Anyway, I feel like I need to purchase a membership or quit going. But a membership is $25 a month. :/ I don't know if I can justify the cost, on what I see as a non essential expense...

My mom is also wanting to work out, so she said she would get a membership too so we could go together. Since I know the owner I am going to see if there is any discount he would give me. Occasionally they run specials.

What do you guys think? Is $25 worth better health? Or would I be better off saving that money?

Christmas Bonus & IRA Savings

December 12th, 2016 at 07:14 am

Husband got his bonus. $750 which is down from $800 last year. Bummer since the company made 20 MILLION more this year. Oh well, we are thankful for any extra money!

I sent $350 to the Roth IRA. First time I've been able to add to that in a long time. The other $400 husband wants to save for vacation. We will be going to Disney world in in the spring, and are estimating needing $1,500. I'm really hoping to get some taxes back this year and we can use part of our return for this. The rest will most likely go towards the IRAs.

Still working on paying off Christmas and other miscellaneous expenses. With the Christmas season and lots of sales, I've done really bad at splurging on multiple smaller expenses. Oh $20 here, $15 there, $20 here... It adds up!

Mortgage Payment & Contract Signed

December 5th, 2016 at 07:05 am

Mortgage is down to $46,010.56! Every little bit that comes off is less we will owe when we refinance.

Remodel contract has been signed and $2,500 deposit has been paid!! This is really happening, guys!! We are expecting to start in two months, so that will give us a little time to work on saving/paying down debt.

I need to come up with $200 more to finish off the animal expenses until spring. First kids will arrive in a week. I'm so excited.

Husband should be getting his yearly bonus soon. We haven't decided what we are going to use it for yet, but most likely will put some in the IRA and the car fund. Husband's car is still chugging along right now, but we'd like to have enough money put back that he could purchase a decent car without needing to take out a loan in the future.