Home > July Check In - Raise, Bonus, Bills

July Check In - Raise, Bonus, Bills

July 29th, 2022 at 03:10 pm


Mortgage −$117,032.04 (-$238.37)
Land Loan -$11,778.85 (-$181.61)


Roth IRAs +$22,154 (+$665)
401K +$42,353 (+$1,659)
Emergency Fund +$7,598 (-$1,635)
Maternity Fund +$1,570 (-$1,430)
Animal Fund +$1,670 (+$2)
Car Fund +$20 (-$0)
HSA +$2,216 (-$853)

Overall: -$1,172.02

Retirement accounts were actually up a bit. But not enough to counter the dumpster fire that July was. One of the kids needed an ER trip. Then we all caught covid again and husband was out of work unpaid. Had to purchase the rental car for vacation which doubled in price since last year's vacation and quadrupled the price of our 2015 vacation. $1,600 vs $400! Embarrassment I'm still waiting on another person to pay me back for their share. 

Our propane which has always been on budget billing was increasing from $110 to $200 with no changes in usage. When I inquired they told me they could no longer offer a rate cap and this is how much they expected the rate to increase. Yikes. I found out if I pre-paid for the entire year they would lock in $2.14 a gallon so we went ahead and did that. Which was another large expense. 

Still have some large medical expenses coming, some of which I pre-paid but I expect another two thousand or so next month. 

Basically had to use up my entire buffer and pull from my maternity fund to cover things. About one thousand will be reimbursed from the HSA and thankfully husband is getting a bonus in August. Just kind of bummed because we were hoping to use that to get ahead and instead we will have to use it to dig ourselves out of the hole.

Some good news is that husband’s union contract is up on Monday and the entire plant is fighting for a large wage increase. They are wanting $5 an hour effective immediately and then 5% a year for the next 5 years to battle inflation. For reference he has usually gotten about $.30 a year in the past. So it would be a significant bump in pay for him. We really need that since the price of everything like groceries have ballooned and are really killing us. It could be months before they come to an agreement so we’ll see what we end up with, but husband says the workers are pretty firm so fingers crossed.

3 Responses to “July Check In - Raise, Bonus, Bills”

  1. honey Says:

    Love me the words RAISE and BONUS! Not a bad month, considering! Hope the kiddo is okay!

  2. VS_ozgirl Says:

    Good work with locking in the propane for a year, that was a smart move. Hoping August gives you a bit of peace and breathing room in the budget!

  3. rob62521 Says:

    Good plan on getting the propane more reasonably since the price has gone up so much. A pain paying for it all at once, but you save money in the long run.

    Hope your DH's contract is a good one and hope the kid with the ER visit is doing well.

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