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Archive for October, 2017

House Update (For Snafu)

October 31st, 2017 at 07:51 am

Here is the status of our large home remodel/addition.

What has been done...
Entire house has new exterior insulation, new siding, new windows, new gutters, and foundation repair. New front and back doors, new porch lights. New roof on the mudroom and front porch. (Rest of the house got a new roof in 2012) We also dug out part of our pond to make it deep enough for fish.

Basement/addition was added. Insulation, electric, and plumbing drains have been installed. Drywall is complete and we are about halfway done with mud and tape.


Still needs to be done...

Addition foundation needs parged and backfilled. Yard needs graded. (Perhaps next year?)

3 more upstairs rooms needs drywalled. (Two are small rooms, this is our current daily project) Mud and tape needs finished in addition, and totally done upstairs. (We are waiting on a quote for this.)

Addition: Trim, plumbing, doors, septic hookup, bedroom closet, bathroom faucets, lights, shower/bathtub tile, flooring, bathroom vanity.


Propane tanked needs moved, gas lines dug, and hooked back up to furnace. (Currently no heat and it is 30 degrees outside...)


Our deadline is supposed to be the end of the year!! We are getting significant delays due to quotes for tile and flooring taking way way too long. I just contacted another company and I am hoping they will be faster.

The problem with building/remodeling is that it is a domino effect. We are held up waiting on quotes/builders to get back to us. Once the tile is in we can install the floor and vanity. Once the mud and tape is done we can install lights outlets, trim, etc.

I highly doubt we will be 100% finished by Christmas. But I think everything can be drywalled, painted, and have lights/outlets. I am worried mostly about the tile timeline. Which is out of our control. Most of the finishes such as lights and faucets are already purchased and waiting for install.

Lots of Bills

October 30th, 2017 at 06:39 am

Ugh. This is the first month where I've really had to be on top of bill dates and what order I am going to pay. Usually I just pay as they come in. But stupid me put $800 (home remodel stuff) on a credit card thinking I'd be able to pay if off before the due date no problem. Well I forgot we don't have as much wiggle room anymore to just cash flow such large expenses.

Money is coming in. I just never know which day I will get my design check. So in case it is late I need to pay bills carefully.

It's a pain, but I'm not too worried. I do have an EF I can pull from, but it's in a savings account so I would have to transfer and I just don't want to if I can help it.

In the future I need to be much more careful. I also realize I need to keep a bigger buffer in my checking account. I don't want to have to juggle things again.

In better news. I set a goal for working on design this month, and not only did I do all those hours, I set a bigger goal and did those too! Hurray! If I can keep that up our finances will be in much better shape.

Mortgage & Budgets

October 6th, 2017 at 07:06 am

I paid my main mortgage today. It now stands at $44,551.21!

I love watching that number go down, too bad all our other loans just continue to climb...

I also started a free trial of YNAB. I used it previously for a short time, but fell out of it when my free student offer ended. I'm going to give it a go again and really try to be faithful. I need to start tracking every dollar and try to keep our spending minimal until our debt goes down.

I am feeling a little better about the home remodel today. Not any better about finances, but we have 95% of the drywall completed in the addition so it finally feels like progress. There is still so much to do, but most of the "invisible" things are done, and soon we get to move onto the fun stuff like paint/flooring/lighting. Of course I still have to tape and mud all the drywall which is the worst job of the project...

Nothing Much

October 2nd, 2017 at 02:12 pm

It has been a month since my last entry and not much new to report.

Trip was great! We stayed on budget, and had a great time.

Getting ready to leave on another short weekend trip for a wedding I am in. I also had two baby showers to help at this week. I'm so busy, and all these gifts and party foods are killing me!

I am feeling quite discouraged about our home remodel. It is looking like we are going to be right round $5k short to finish everything, and there is just no way to come up with it in time for the year end deadline.

My mother has graciously offered to purchase the remaining needed items partly as a Christmas gift, and partly as a "pay me back later when you can." And that is very generous of her, but I am sick of borrowing money, and I HATE having to take advantage of family. Will have to wait and see what others options I can come up with.

I am also worn out from working on the house, and everything being messy and a disaster. I'm sick of a 5 year long construction zone and I just want it to be all finished so we can get on with our lives and I can properly clean/organize/decorate.

I am going to really really try hard to start picking up more design work. An extra 5 hours a week could go a long way towards paying down our debt. I got all my invoices caught up today and sent out. So it's a fresh start and I am going to set a goal to do at least 5 hours of extra work a week.