Debts
Mortgage -$107,506.14 (-$1,007.70)
Land Loan -$4,131.17 (-$840.55)
Savings
Roth IRAs +$48,162 (+$4,127)
401K +$98,664 (+$10,623)
Emergency Fund +$21,355 (-$7,605)
Animal Fund +$2,574 (-$2)
HSA +$1,630 (-$44)
Overall: +$8,947.25 (This is for July-October)
Wow I didn't realize it had been several months since I updated. It's been an expensive couple months. Roof was replaced and I had to pay out the other $7,200 half. Had to buy a new computer since windows 10 is going away. Our nicest/newest car unexpectedly had about $2,000 in repairs. (And the check engine light is on again, so back to the shop it goes.) Still no progress on siding, windows, or shower...
I had to go to the ER twice in the last couple months. Everything is fine, but I owe the hospital $1,000 which is the remainder of my OOP for the year.
I have several goats sold next month, and I've been working a lot, so hoping to recover some of our cash accounts soon. I really really need a new(used) car. Mine has electrical problems and things are going out. Including the door sensor so it thinks the door is open and dings the ENTIRE time you are driving. It's enough to drive you crazy. But we also need some foundation work/new floors, and our septic is still on its last leg. So we are trying to just hang onto our cash until something breaks and we absolutely have to fix it.
Sometimes I contemplate getting a $50k loan that would fix all our problems. I could replace our shower and broken windows, fix the foundation and floors, replace the septic, get AC and central heat finally, and get a new car. But we just can not afford another payment. Husband's work is in negotiations for this year's raise. They are offering about $30 a week before tax, and the insurance premium is going up $15 a week... So you do the math. We'll get like $5 more a week. Life just seems unsustainable as everything continues to go up up up. Sigh.
November 1st, 2025 at 02:19 pm 1762006742
November 1st, 2025 at 09:24 pm 1762032267
What would the monthly payment be on a $50,000 HELOC?
What if you paid off the land loan from the HELOC and used the $800 towards a HELIC payment?
If you got a better car, would that save you.anything in fuel costs due to better milage?
Would fixing windows lower heat costs?
Would your total costs be less if you could schedule needed repairs instead of having to deal with them as an emergency?
Would your health be better with less stress?
Many think all debt is bad, but I think you have to look at the big picture and sometimes debt is worth the benefit.
November 4th, 2025 at 03:35 am 1762227348
November 6th, 2025 at 08:05 pm 1762459512