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February Check In

February 27th, 2020 at 05:41 pm

Debts
Mortgage -$112,573.97 (-$156.77)
0% CC $0 (-$2,700)
Helitech Loan -$3,150 (-$400)
Medical Loan -$1,700 (-$100)

Savings
Roth IRAs +$15,568 (-$464)
401K +$25,648 (-$615)
Emergency Fund +$3,406 (+$302)
Animal Fund +$505 (+$0)
Truck Fund +$1,845 (+$120)
HSA +$928 (+$204)

Overall: +$2,903.77

I paid off my credit card! Next goal is to pay off the Helitech loan by June, but hopefully even sooner than that. Retirement is down from the Coronavirus scare. Next month will see the addition of at least $7,000 in medical bills plus I have to pay our 6 month car insurance.

Medical Bills

February 26th, 2020 at 06:53 pm

The bills are no longer pending and we are currently on the hook to pay the extra $3,000 for out of network bills in addition to my normal $7,000 OOP max. Yuck! I called the hospital and insurance and they are going to re-review the charges. If that doesn't change anything they said I can appeal... I'm not sure how successful that is.

I'm also not sure all the bills have been submitted yet, more may pop up.

Super bummer than I made such good progress on debt this month and then next month our debt is going to go back up by at least $7,000 again. That same thing happened back in October. We had positive net worth and then we had to take out $7,000 in loans. Oh well. One day we will get ahead.

Plan is still to pay off the construction loan asap and then we will be down to just medical debt. I already have some money put back for March payments.

I'm going back to work next week. Little sad/worried but also ready to have money again and get out of the house.

Taxes & Insurance Part 2

February 15th, 2020 at 02:43 am

Well I spoke too soon... Now there are several thousand out-of-network bills pending on my insurance for the NICU bill. Grr. Will just have to wait a bit longer and see if insurance decides to pay or not. If not I will be calling and seeing what I can do about it. Why is medical billing always so shady?

Taxes were deposited and with the gifts we received I was able to go ahead and pay off the credit card completely! Woo hoo! This completes my first 2020 goal, and it's only February!

Next up to go will be the construction loan. With husband working almost 60 hours of overtime this week (poor guy) I am hoping we will be able to drop it fast.

Taxes and Insurance

February 12th, 2020 at 04:21 am

Got my taxes filed and our refund is supposed to be deposited tomorrow. We are getting back about $2,150 but I had to pay in over $200 to the state and it cost around $100 this year for me to file. So $1,800ish.

We will use part of the refund for vacation savings and the rest will go towards debt. We also received several more monetary gifts for the baby. So I have $500 extra to throw at the credit card.

Husband is working 7 days of 12 hours this week. Major bummer with a new baby but that may give us enough extra money to pay off the credit card this month! That would be awesome.

It looks like the baby's medical claims have hit insurance. Thankfully they ended up counting her bills as in-network. So we owe "only" $7,000. Which is still a lot, but much better than $14,000! We will be getting a 0% 60 month loan from the hospital, this will keep our minimum payment pretty low. I am still making payments on my pregnancy bills as well. But once our construction loan and credit card is paid we will focus on the medical debt, in addition to the weekly HSA deposits we do. Still hopeful we can pay everything off this year. Fingers crossed!

My permanent retainer broke randomly after 10 years and so I had to go to the dentist today and get it fixed. The metal wire was sharp and poking me, and I could already feel my teeth moving in two days. $30 well spent.

Baby is Here!

February 3rd, 2020 at 06:33 pm

I was quiet this month because the baby is here!

It was a bit of a whirlwind, and although we are settling in nicely now we had a rocky start. They thought she swallowed meconium which she actually didn't. This resulted in a frustrating 5 day NICU stay with a perfectly healthy baby. Lot of tears and upset. What a long story and a disaster. Bottom line is that there was/is nothing wrong with her, and we will making a complaint about the hospital.

We are happy to home now!

The next problem is that I received a letter stating that although the hospital is in network (and my delivery) the dr (whom I never met) who wrote the NICU order is not in network. Which would raise our OOP max from $7k to $14k!!!!

I'm freaking out a bit. I will have to wait and see what the actual bills say. So help me I will not be paying $14,000 for a NICU stay which was unnecessary and I felt we were held against our will.

January Check In

February 3rd, 2020 at 06:24 pm

Debts
Mortgage -$112,730.74 (-$156.16)
0% CC -$2,700 (-$400)
Helitech Loan -$3,550 (-$400)
Medical Loan -$1,800 (-$100)

Savings
Roth IRAs +$16,032 (-$185)
401K +$26,143 (-$65)
Emergency Fund +$3,104 (+$875)
Animal Fund +$505 (+$400)
Truck Fund +$1,725 (+$60)
HSA +$724 (+$218)

Overall: +$2,359.16

Retirement markets where down, but I was able to pay down debt and replace my emergency fund this month.

Catching Up

January 14th, 2020 at 02:25 pm

Finally making a dent instead of falling behind.

3 puppies went to their new homes saving me approximately $30 a week in food, plus a lot of stress. 5 goats also left.

I used the money to save enough for my load of hay next month, to buffer my animal money a bit for when I'm out on maternity leave, and I also paid my cushion back. I am almost out of the hole and have refilled my EF. Less than $100 to go. That makes me feel a lot more comfortable.

Since this month is actually an extra paycheck month for my husband I am hoping to put a couple hundred towards next months bills.

Our nursery carpet is getting installed today! We finally took down the Christmas decorations and tree, and I'm trying to pack my hospital bag. Our house is still a wreck but hopefully we will be able to get the nursery sorted this week, and get everything cleaned before this baby comes.

Animals and Taxes

January 8th, 2020 at 04:06 pm

Another good thing that happened this week. I finally took pictures and re-posted my puppies and was able to sell several of them. A couple are waiting to be picked up, and I am still in contact with more possible buyers. Hopefully in the next week or so I will be down to just a couple. Which is much more manageable and cheaper.

I am also selling some goats tomorrow. The little bit of money will be a welcome help.

Am I the only one bugging about taxes already? I am checking the mail everyday hoping for all the documents to come in. I want to submit now! lol. Unfortunately since I am a sub-contractor, have several savings and retirement accounts, and we have two W2 jobs we have to wait on a lot of different companies to send us stuff. I hate waiting. I would love to be able to complete our taxes before the baby comes but I doubt that is going to happen. We'll see how punctual everyone is. I am cautiously optimistic we may get a good sum back this year and will be able to either pay down debt or save for retirement.

Finishing the Nursery

January 8th, 2020 at 03:51 pm

We met our goal and got the nursery construction DONE! Well mostly...

We finished the wall rebuilding, drywalling, mudding and taping, priming, painting, new ceiling fan, fixed the electric, built a closet, and handmade all our own trim. Husband took off last weekend and we were able to knock it all out.

We cleaned and cleaned the original 100+ yr old hardwood floors but no matter what we did they are in terrible shape. They are very splintery, parts of the floor is completely missing stain so it's hideous and dirty, and there are large cracks which let drafts in. We had planned on getting a large rug, but it wouldn't cover everything. We have this beautiful new room with disgusting floors. Last minute my mom graciously offered to purchase carpet for us. Sooo now we are waiting on that rush order to get installed before we can "move in" the furniture and stuff. We are hoping by early next week.

Although I am not really a fan of carpet it seemed to make the most sense to make the nursery warmer, safer, and more comfortable for the time being. In a few years we plan on replacing all the hardwood floors, but until then this will be a good alternative. I just hope we picked a good color!

Anxiously awaiting being able to start decorating and organizing all the things. We still have a couple small projects to do like repainting the dresser, hanging a decorative wall panel, and caulking the closet but they are just wants.

Tonight we are installing the drawers and shelves in the closet, which we have decided to leave without doors for now. We are going for a more decorative built in bookcase look since we have a wardrobe for the actual hanging clothes.

January Debt Payments

January 3rd, 2020 at 03:48 pm

January is starting out well. Paid our mortgage bringing the balance to $112,730.75. I paid $100 towards the medical loan bringing the balance to $1,800. With husband's overtime from last week we have enough to pay $400 towards the construction loan bringing the balance to $3,550. Once the rest of my web income comes in I will have $400 to put towards the CC bringing the balance to $2,700!

Not bad for the first week of the month. Husband is taking off this weekend so we can hopefully finish construction on the nursery and start moving in. Good thing because I am technically "full term" now and could go any time. (Yikes!) Not sure how much more overtime he will get before the baby comes, but any extra income this month will be saved for February bills.

End of the 2019 Year Net Worth Update

January 3rd, 2020 at 03:32 pm

Cash/Liquid Savings:

$105 Animal Fund ($590)
$1,129 Escrow Fund ($690)
$1,100 EF ($1,000)
$1,665 Car Fund ($1,205)
$506 HSA

$4,505 Total Liquid Savings ($3,486)

Retirement:

$26,208 DH's 401K ($16,930)
$4,256 DH's IRA ($3,400)
$11,961 My IRA ($8,630)

$42,425 Total Retirement ($28,960)

Liabilities:

-$112,887 Mortgage (-$114,713)
-$3,100 Home CC (-$12,360)
-$3,950 Helitech Loan
-$1,900 Medical Loan


-$121,837 Total Liabilities (-$127,073) / -$8,950 Non-Mortgage Debt (-$12,360)


2019 Total Net Worth: -$74,907
2019 Net Worth without Mortgage: $37,980


Numbers in () are last year's figures for comparison.

Our retirement accounts went up quite a bit.

Liquid savings did not increase very much due to pregnancy and large medical bills.

We added 2 new debts this year but total unsecured debt is still less than last year so that's a win! Hopefully 2020 will be the year we are debt free again.

2019 Goals Final Update

December 27th, 2019 at 04:04 pm

1.) Save $1,000 in HSA
We exceeded this number by double and paid a lot of medical bills out of pocket.

2.) Pay off $7,500 in Debt
We paid off over $10,000 in debt this year! Sadly we added more debt as well, but we are still below what we started with at the beginning of the year.

3.) Add $1,000 in Car Fund
We did not complete this. Well sort of. We did save over $1,000 in the car fund. But we had to raid it several times for car and/or home fixes. So we are finishing the year with only $665 saved this year.

4.) Save $1,500 for Vacation
Completed and exceeded this goal. We ended up having to change plans and we went to Utah/Arizona/Colorado/Nevada to see all the famous canyons. Went a bit over budget but paid cash.

5.) Save $4,500 in Animal Fund
Did not complete again this year. Was about $1,600 short. Then I had a litter of puppies which I have been unable to sell and I am currently paying over $100 a WEEK to feed them. So animal money is currently killing me.

Overall not a bad year considering my pregnancy and the thousands in medical bills we accrued.

2020 Goals

December 27th, 2019 at 03:51 pm

1.) Pay off $3,100 Credit Card
This is the last remaining debt from our home remodel. It is 0% interest until August so it needs to be paid in full by then.

2.) Pay off $3,950 Construction Loan
0% interest debt from waterproofing our addition. Expires in October so it needs to be paid in full by then.

3.) Pay off $1,900 Medical Bill
Not really a huge deal since it is 0% interest for two more years. But it would be nice to be debt free again.

4.) Save $2,000 for Vacation
We are hopefully going to Yellowstone in September.

5.) Pay all Baby Medical Debt
No idea how much this will come out to but expecting around $6k+. This is our stretch goal. We can/will get a 0% interest payment plan for this, but I would prefer to pay it off by the end of the year.

The total amount (if medical debt is $6k) is $16,950! Our HSA will cover $3,000 so we need to come up with $13,950 or $ 1,162.50 a month. Whew. Quite a stretch but we will try our best.

December Check In

December 27th, 2019 at 03:34 pm

Debts
Mortgage -$112,886.90 (-$155.54)
0% CC -$3,100 (-$400)
Helitech Loan -$3,950 (-$50)
Medical Loan -$1,900 (-$100)

Savings
Roth IRAs +$16,217‬ (+$496)
401K +$26,208 (+$1,005)
Emergency Fund +$2,229 (-$199)
Animal Fund +$105 (+$0)
Truck Fund +$1,665 (-$190)
HSA +$506 (-$45)

Overall: +$1,772.54

Average month, but I'm actually surprised it is not worse with all the Christmas shopping! I did not make my goal of paying $400 on the Helitech loan this month. Fingers crossed for next month.

We are getting into crunch time to save for the baby. I have already put back some money (not included above) for debt payments next month. I would like to get everything paid ahead before husband has to take off work.

**Some deposits haven't went through yet, and I may have to update figures.

In the Hole

December 11th, 2019 at 05:37 pm

Well unfortunately a few other things popped up and I owe myself $500+ and I'm $350 short on the construction loan payment to stay on schedule. Ugh. I hate eating into my buffer. Especially since maternity leave is coming up and I really need to be getting ahead not behind...

My computer has been such a pain. I had to run it back to the store twice because I couldn't get the part in myself, and then when I got home the first time it wouldn't turn on. Some how my power button happened to go out, so I had to pay another $50 to fix that and drive 2 hour round trips. But whew, it is working again now. Thank goodness!

We also found out that husband will NOT be getting any paid paternity leave. Frown So that is a bummer. He will use his one week of vacation and take a week unpaid. That is all we can really afford.

He is still working a lot of overtime, which is good because we need to dig out of the hole we are in and save as much as possible before the baby gets here. It is going to be tight. Thankfully Christmas shopping is completely done.

Pumping the septic did not fix the plumbing problem, so now we are trying other things before we call a plumber.

Here's to hoping life and finances settle down in January!

Computer Fix & Feeling Frustrated

December 6th, 2019 at 04:55 pm

Well the good news is that I believe my computer can be fixed! I found a local shop to repair it, and I'm waiting for the right parts to come in.

It was $135 for the diagnosis and to fix one part. Plus another $450 for the main part that I need. Thankfully my family is buying me that part for my Christmas present! Seems like a pricey fix but still much much cheaper than the few thousand a new computer would cost. Hoping I get a few more good years out of this one! Whew.

But besides that I am feeling frustrated. I have had to raid some of my buffer to pay for things like dog food, fixing my computer, a few baby items we needed, medicine for me and the pets, etc. Also I am working very minimum hours at my side job so I will barely be able to put anything towards debt this month. I just feel like I can never get ahead. It seems like my money is spent way before I ever even get it, and I am always playing catch up. I save for one thing, and then something else goes wrong.

For example: Our new plumbing is messing up and so I need to come up with $200 to pump the septic and then fingers crossed that is actually the issue and not something terrible and more expensive.

I'm starting to stress about maternity leave. Thankfully I will be paid. But my husband is also hoping to take off for a month at 70% of income. (Which is a blessing) but we need to put back money to cover the difference, and also we won't have any overtime that month to put towards debt so we need to pay that ahead of time too. Seems like we are quickly running out of time and paychecks!

November Check In

December 2nd, 2019 at 04:47 pm

Debts
Mortgage -$113,042.44 (-$154.93)
0% CC -$3,500 (-$515)
Helitech Loan -$4,000 (-$562.50)
Medical Loan -$2,000 (-$109.65)

Savings
Roth IRAs +$15,721‬ (+$395)
401Ks +$25,203 (+$948)
Emergency Fund +$2,428(-$931)
Animal Fund +$105 (+$1)
Truck Fund +$1,855 (+$130)
HSA +$551 (+$201)

Overall: +$2,086.08

A solid month. Lots of gain which was offset from having to pay my annual yearly home insurance.

Not figured in this is the $1,500+ we spent on nursery furniture and Christmas presents on Black Friday. We had the cash for this. My Christmas shopping is mostly done. I only have two more people to buy for and my husband's stocking. The only big thing we have left to purchase for the nursery is a rug. We bought a crib, recliner, and a used dresser that I am going to paint.

Computer Woes

December 2nd, 2019 at 04:39 pm

And just like that my computer is toast. :/ The computer I scrimped and saved for and then paid off early.

I knew this day was coming. It has been making some noises for a month or two now. (Of course about a month after my extended warranty wore off...) The computer is 4.5 years old and I use it for hours daily and have lots of programs and games.

Fortunately I can still get in it in safe mode so I was able to save my bookmarks, and documents. I had almost everything backed up anyway since this computer has died multiple times in the last year or two (under warranty) and I had to recover things over and over. I'm kind of used to it to be honest.

Thankfully my husband has a computer so I think I am going to download the bare minimum to his computer so I can work somewhat and wait a bit to purchase. Today is Cyber Monday but the computer I want is only $450 off which isn't much. I think I got my last one $1,000 off plus a free tv.

I can get 12 months free financing but I am leery to take on anymore payments. So I'm going to wait for now if possible. A major pain, but doable I think. Since I am getting close to my due date I have cut back my hours and projects a lot anyway. I think I can finish up my commitments on my husband's computer. But eventually, probably sooner rather than later I am going to have to buy a new one and it is looking like around $2,500. Yikes!

A necessary expense for someone who makes a living on computers, but definitely not what I wanted to spend my money on right now.

Been Busy

November 19th, 2019 at 02:56 pm

It's been a busy couple weeks.

Took care of some financial things. Got the property taxes all paid, got the mystery 401K contribution from husband's old employer rolled over into his new 401K. Finished the yearly open enrollment for insurance, and I had my baby shower.

I got a ton of stuff. Now I need to sort through all of it and see what I actually need to keep and what I still need. The nursery is not finished so the presents are currently stacked and taking up my entire living room, along with the other stuff I already had which is taking up my entire foyer. lol.

We are hoping to go get some paint samples tonight for nursery. The mudding is like 99% done, just need to check it all over one last time. Then it will be primer, paint, new ceiling fan, a decorative panel we are adding, trim, polishing the floors, and finally furniture. Whew. Lots to do in the last 10 weeks before baby is due.

I'm Back & Debt Payments

November 11th, 2019 at 02:35 pm

I'm back from a goat show with my mom. We won $800 but after expenses and splitting the net profit I made $100. It is mostly for fun and also promoting/improving our herd so any profit is just a bonus.


My web design income from last month came in. I paid $562.50 on the construction loan so it's down to $4,000 and I paid $165 on the CC so it's down to $3,500. That surpasses my minimum monthly goal, so that is good news. I love seeing those round numbers!

Husband has in fact been working 3 weeks straight, some days 12 hours. I'm sure that will give us a tidy sum to put towards debt next month even with my side income decrease.

Ebbs and Flows

November 6th, 2019 at 03:54 pm

Found out unexpectedly last week that I lost a very large client that I have been working with 6+ months. Bummer. I haven't been taking on anything else because it took up so much time. So I literally have no web design to currently work on. I do have a small project starting in December, and possibly another one before then. I have also been trying to get a mid sized job which I was hoping was going to be extra but now it looks like I really need it for next month's debt payments. Sigh. How frustrating. Just a reminder how fluid contract work is. Sometimes I'm slammed and sometimes I have nothing...

Oh well. Thankful I have my steady office job to meet most of my needs, and the side income is just for debt repayment.

Hopefully I will get my check from last month soon to pay towards the construction loan.

Striking a 2019 Goal

November 1st, 2019 at 03:59 pm

Well despite last month's hardships I am happy to announce that today I am able to strike/complete one of my 2019 goals.

Today was payday, and I received a small design check, so I was able to send $350 to the credit card, and $109.65 to the medical bill. Which brings my debt payoff amount to approximately $7,775 this year.

Reducing those two debts to $3,665 & $2,000.

Happy to see the CC hit below the next thousand mark. Once my side income check comes in I should be able to add quite a bit more to debt. Although I am considering using some to fill my buffer back up as well.

Besides that husband has been told he likely has to work the next 19 days straight... Bad for him, but the overtime will help us get some of the baby items we need, and maybe pay down more debt. We will have to wait and see.

October Check In

October 29th, 2019 at 01:52 pm

Debts
Mortgage -$113,197.37 (-$154.32)
0% CC -$4,015 (-$120)
Helitech Loan -$4562.50 ($)
Medical Loan -$2,109.65 ($)

Savings
Roth IRAs +$15,326 (+$337)
401Ks +$24,255 (+$762)
Emergency Fund +$3,359 (-$501)
Animal Fund +$104 (-$740)
Truck Fund +$1,725 (+$90)
HSA +$350 (+$103)

Overall: -$6,346.83

A terrible month for our net gain. Frown Not only did we take on a lot more debt, but I had to pay out the rest of my animal money for hay, and I had to dip into my buffer to pay for even more animal food. The reason debt did not go down was because my side income check is late. I'm guessing they will probably wait and add it to next month's check at this point. I put in a lot of hours this month thankfully. So here is to hoping November is better...

Raise & Maternity Leave

October 21st, 2019 at 03:19 pm

Now for some good news! I got a $3 an hour raise at my main job! (Effective 2020)

They did cut my vacation from 60 hours to 40 hours a year but with the raise it isn't much of a loss. Honestly I never took that much vacation anyway and always just cashed it in.

Not only that but they are going to give me 6 weeks of paid maternity leave as well! That will take a lot of the strain off because we won't have to save for my time off work. I secretly think it is because they are worried I will quit after the baby is born and by giving me a raise and maternity leave it will be harder for me to leave.

Don't plan on quitting, but I know things do change. Honestly for now though we need both of my incomes, so until our debt is paid I'm stuck. Perhaps 2021 I can think about going down to one job again if I'd like.

Husband also got a raise, around $.60 I believe. But he took a pay cut $.30 when he switched to days. So not much impact overall. We have all but $80 of the doula money saved now. Should be able to finish that off this week.

We are going on a weekend getaway this month. Just to a nearly hotel with an indoor pool. Husband finally gets a weekend off, and our anniversary is coming up so we decided to take a breather and just relax away from home. We have enough credit card rewards and date money saved to pay for the hotel and a fancy dinner so shouldn't cost us much out of pocket. It will be nice to getaway one last time before the baby comes.

New Loans

October 21st, 2019 at 03:03 pm

I finally have the total for the two new 0% interest loans I had to open.

$4,562.50 & $2,109.65

I need to make payments of $438 a month in order to pay them off before the 0% interest periods are up.

I also have to continue paying $376 a month on the CC to pay it before the promo period expires.

That is a total of $814 and my average paid on the CC this year has been $800 a month. So if I can keep going at the same rate I should be fine. But unfortunately I am working less than the beginning of the year, and with the baby on the way I know it is going to continue to decrease. So we will have to start using some of husband's overtime money towards it in addition to my side income in order to keep on track.

Back from Vacation & Updates

October 4th, 2019 at 03:40 pm

Well I'm back from vacation and was sad to find that the website was hacked and everything since April was lost. I was able to go back through google and get my monthly check ins which were the most important. I have no idea what else I talked about between then and now... So aggravating. I will be looking into backing up my important posts and possibly switching to a new blogging area. This already happened once at getrichslowly and it is sad to loose all the years of data.

Vacation was good. We did go over budget but was able to cash flow the extras.

Husband got a $500 bonus (more like $300 after tax) and should get another $250 bonus soon + a raise. So we will be putting that towards the doula. We still owe $850 by January/February.

We have lots of large expenses coming up. I just started a payment plan with the hospital for the $2,160 I couldn't cash flow with the HSA. It's 0% for two years. That will give us some wiggle room in the short term and once the baby is born and cash is less tight we can just pay it off early.

Also signed for a 0% one year loan of $4,600ish for some necessary waterproofing on the house. I am also looking into refinancing our mortgage and adding on $5k for some dirt work. Been to two different banks and have to make a decision but either one should save us a few thousand a year in interest since the rate has dropped so much. I dread getting a new appraisal since our house still has lots of unfinished projects going on and I don't feel like working on them.


I am a little worried about taking on several new loans and still continuing to pay down my 0% CC before the deadline in 11 months. This next year is going to be really tight with the baby, but if we can get through we should be debt free again.

September Check In

October 4th, 2019 at 03:24 pm

Debts
Mortgage -$113,351.69 (-$153.71)
0% CC -$4,135 (-$711)

Savings
Roth IRAs +$14,948 (+$258)
401Ks +$23,493 (+$642)
Emergency Fund +$3,860 (-$394)
Animal Fund +$844 (-$390)
Truck Fund +$1,635 (+$115)
HSA +$247 (-$490)

Overall: +$605.71

Retirement gains. Debt pay down. Car insurance was due and pulled from escrow/EF. Also had to pay about $1,000 in medical bills from the HSA. October month is going to hurt because we are taking on a significant amount of more debt, and I will be buying the last portion of hay.

August Check In

October 4th, 2019 at 03:11 pm

Debts
Mortgage -$113,505.40 (-$153.10)
0% CC -$4,846 (-$1,022)

Savings
Roth IRAs +$14,690 (-$495)
401K +$22,851 (-$528)
Emergency Fund +$4,254 (+$378)
Animal Fund +$1,234 (+$651)
Truck Fund +$1,520 (+$120)
HSA +$737 (+$106)

Overall: +$1,407.10

Progress on savings and debt pay down. Retirement loss in in the market.

July Check In

October 4th, 2019 at 03:10 pm

Debts
Mortgage -$113,658.50 (-$152.50)
0% CC -$5,868 (-$975)

Savings
Roth IRAs +$15,185 (+$308)
401K +$23,379 (+$2,424)
Emergency Fund +$3,876 (+$301)
Animal Fund +$583 (-$40)
Truck Fund +$1,400 (-$215)
HSA +$631 (-$149)

Overall: +$3,756.50

Steady progress on CC, EF, and retirement. A large chunk was from an unexpected/late contribution from husband's old employer. HSA was contributed to, but was overthrown by baby medical expenses.

June Check In

October 4th, 2019 at 03:09 pm

Debts
Mortgage -$113,811 (-$151.09)
0% CC -$6,843 (-$580)

Savings
Roth IRAs +$14,877 (+$653)
401K +$20,955 (+$1,129)
Emergency Fund +$3,575 (+$481)
Animal Fund +$623 (-$819)
Truck Fund +$1,615 (+$105)
HSA +$780 (+$240)

Overall: +$2,520.09

Markets recovered this month and everything moved up slowly but surely except for the animal fund which was wiped pretty low after the purchase of hay and a new goat.

Credit card progress is slowing down as expected since my hours are significantly slower.


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