Mortgage -$112,258.56 (-$158.02)
Helitech Loan -$0 (-$2,550)
Medical Loan #1 -$1,500 (-$100)
Medical Loan #2 -$6,720 (+$6,720)
Roth IRAs +$14,124 (+$922)
401K +$25,040 (+$1,901)
Emergency Fund +$3,411 (+$401)
Animal Fund +$506 (+$0)
Truck Fund +$2,035 (+$90)
HSA +$1,428 (+$250)
Markets recovered a bit. Savings also went up and we paid off a large chunk of debt but unfortunately we also took on almost $7k of new debt for the rest of the baby bills. Overall not as bad was expected. We should be back in the green next month.
Archive for April, 2020
The stimulus check hit my account this morning! Allowing me pay off the full balance of my construction loan! 6 months before the 0% interest expires!
The small medical loan is up next. Hopefully by June it will be gone and we will be down to just one debt.
In other news I bought a new dryer. Ours was given to us well used when we got married 8 years ago. It has been on it's last leg for two+ months now. The bearing is going out and it makes a horrible screeching, so loud you have to cover your ears while in the same room. Every time I use it I cross my fingers that it will work. Also recently clothes keep getting stuck in it and tearing them up. With a new baby and our laundry needs going up I figured it was time.
Our old washer went out a year or two ago and I purchased a new one. So I have been watching the matching dryer price for about a month. It has been on sale this week for 40% off and last night was the last day. With our stimulus coming in, I went ahead and purchased it. They said it could take up to a couple weeks to arrive with free delivery. I didn't want to chance mine going out and being stuck without for weeks. That uses up the last $500 of the stimulus, which I was hoping to save for animal money but oh well.
We are not getting the $500 for our 2020 baby since they are basing it off our 2019 taxes. From what I understand that $500 will probably get added our tax return next year.
I also ordered a new crockpot. Mine has been broken for a while and I was given money at Christmas to purchase a new one but I couldn't decide which one. I've been holding onto the money this whole time because I am sooo picky. I always read reviews and check out all options before purchasing pretty much anything. Well I finally bit the bullet and picked one out. Super excited to use my new appliances soon.
My job has decided to pay me a minimum of my average hours. Which is great! They even back dated it to the stay at home order. I think I will use these unexpected checks to save money for my animals.
Unfortunately with the pregnancy and everything I did not breed my goats last fall. Which means little to no kids now, which means no goat income this year. If I hurry I could still breed for fall kids, but I will need money over the summer to purchase hay for the winter. So I need to start putting back money to pay for it ASAP. This is the first year I haven't had spring kids. Major bummer, but I needed a break with my busy life. It actually probably worked out okay, since the quarantine would make animal sales harder I imagine.
I am getting so close to paying off the construction loan! I was able to scrape together $650 so far this month so I only owe $1,900 now. Once the stimulus gets here I will be able to pay it off!
In addition to the stimulus check, I have heard that my secretary job is most likely going to to pay me my average hours for April and May!
That would be great, especially since husband's overtime is drying up and without it we can't really make extra payments on anything.
I look forward to the day when our debt is gone and we can live comfortably without overtime or 3 jobs.
If the stimulus and my check from work pan out I am hoping I will be able to pay off the construction loan this month. Then we will be down to just medical debt which is interest free and smallish payments. Of course we will continue to pay it down with vigor but at least if an emergency comes up will have more wiggle room.
The smallest medical loan will only take another two months to pay, but the big one will take all year, even we can even finish it by then. Fingers crossed!