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Looking Good

June 6th, 2018 at 08:18 am

I don't want to jinx it but we are on the home stretch of the remodel, the refinance, and our lean times.

I have submitted all the paperwork and we will be signing for our refinance next week. Thankfully the first payment won't be due until August! So we are going to pay one month ahead and use one month's payment money to pay down debt.


After my 2nd income comes in for May I will be able to pay off all the credit cards that aren't for the house. We always pay the statement balance monthly but it's nice for the actual balance to be $0.

We have stopped bleeding money finally. Our only main issue left is the stupid fence problem that I still have not gotten anywhere with. Everyone I call passes me to someone else. I have been in contact with a lawyer that is willing to help me but he doesn't think I will get them to pay. I'm about to give up and we will just have save and pay for it myself. Sadly the fence guy can not get to it for at least another month.

The remodel is down to trim and little stuff. We were going to move into our new bedroom this weekend but I am leaving for a goat show so we will move in next week.

Trying to Make Goals

December 19th, 2017 at 07:54 am

I am still indecisive about my goals for 2018. My life seems so unstable with the remodel and pulled in so many directions that I don't know where to put my efforts. I know that my main goal isn't even a financial goal. I just want to finish our house.

I also know that I have never been able to finish my yearly goals and that is disappointing. Especially this year, I bombed them. So for 2018 I am going to try to be much more realistic about what I am able to achieve.

Here are my preliminary thoughts:

1.) Finish remodel
2.) Refinance mortgage
3.) Pay off $5,000 in non-mortgage debt
4.) Add $1,000 to truck fund
5.) Add $1,000 to Roth

My Roth goal is a LOT smaller this year. This is for several reasons. #1 being that husband is going to start contributing to a 401K this year. #2 is that I want this year to be about paying down debt. I will happily add more than $1,000 to my Roth, but I don't want to stress myself out with too lofty goals. So I will start here and adjust if needed.

Hopefully 2018 will be a calmer and less stressful year! I just want to tie up some loose ends, and finish all our ongoing projects to get back to some sort of normal.