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Archive for February, 2023

February Check In

February 27th, 2023 at 04:10 pm


Mortgage −$115,348.80 (-$242.19)
Land Loan -$10,490.20 (-$183.04)
Hospital Bill - $1,210.85 (+$22.83)


Roth IRAs +$25,199 (+$2,261)
401K +$45,670 (-$1,158)
Emergency Fund +$6,633 (+$1,835)
Animal Fund +$1,696 (+$5)
Car Fund +$20 (-$0)
HSA +$449 (-$934)

Overall: +$2,411.40

It's kind of depressing that despite a $9k tax return this is all our net worth went up. A lot of our retirement contributions were offset by market loss. HSA contributions were over shadowed by an ER visit. With many more hospital bills to come. A high OOP max and a chronically sick child will do that.

At least our EF went up, and we do have savings not shown here for vacations and other things. 

Federal Tax Refund

February 22nd, 2023 at 02:00 pm

Got my federal refund today. I tried to stick mostly to the plan but due to some unexpected expenses I did have to shuffle things around. Here's out it shook out:

$8,600 Received

$3,000 to IRA

$3,000 to vacation fund

$1,000 to new tires, alignment, and plate renewal

$500 to HSA

$375 for dinner and new clothes

$650 to checking buffer

$75 to utility bill overages


My car's tires were bald and going flat every week. It was time to get new tires. I did manage to snag a buy 3 get 1 free deal, but I needed an alignment and my plates were due. I felt it was a good use of money since I use my car to haul around our kids, and we will be traveling across country in it in a couple months.

Our automatic payment for our trash bill charged us twice this month for some reason. Sigh. I turned off automatic payments, and it will be applied as a credit for next time. Our electric bill was also up this month. So I used a bit to cover that.

Got my buffer back up to normal levels, went to dinner and the family bought some needed clothes.

I was hoping to send $500 more to HSA and save $500 for Christmas. But I still do have $400 in state refund coming to allocate somewhere. Overall I feel like we saved the majority of our refund and/or used it on things we definitely needed.