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Archive for April, 2022

Land Purchase

April 7th, 2022 at 08:31 pm

Things have turned out better than expected! We are getting approximately two acres and he is only charging us a total of $10,000!!! We were honestly expecting to pay around $30,000. 

This changes things because now we can take a lien out on our car instead of getting a second mortgage. This reduces the loan fees from over $1,000 to around $75. We don't have to get an appraisal or do a proper closing or anything like that, so it also speeds up the timeline by over a month!

We are getting the survey next week and I already have a lawyer in waiting to prepare the deeds. Unfortunately, we must get a deed on the new property and then combine it with our current property and get a new deed again. Which means lawyer and recording fees x 2 but we are still getting a huge deal. We are estimating a final cost of $13,500 and hopefully it will be ours by the end of the month and then a few more weeks to get it combined.

The septic will take a while longer, but we are still hoping to complete it by the end of summer. It’s $700 just to file a permit and do the required soil testing which can’t be started until the land is purchased and combined.

March Check In

April 1st, 2022 at 02:57 pm


Mortgage −$117,985.34 (-$236.90)


Roth IRAs +$24,802 (+$995)
401K +$45,747 (+$3,475)
Emergency Fund +$8,687 (-$287)
Maternity Fund +$4,500 (-$500)
Animal Fund +$866 (-$100)
Car Fund +$20 (-$0)
HSA +$2,404 (+$69)

Overall: +$3,888.90

Retirement accounts rebounded a little. Cash is down due to buying hay and also getting some old trees cut down. Thankfully I am owed $1,000 in web design which should come in this week. I will refill my buffer and then start saving the rest for our land purchase.

We also bought all our plane tickets for the year and our hotel for our fall vacation. So glad that is done and there was cash set aside for this. Makes vacations so much better to not have to worry about money! Just need to get a rental car and everything big will be paid for in advance. 

We actually have one ten day vacation and four long weekend trips planned this year. Plus I'll be going on three goat related weekend trips as well. Lots of traveling!