Debts
Mortgage -$105,201.17 (-$773.85)
Car Loan -$3,088.82 (-$642.98)
HELOC -$2,653.21 (+$2,653.21)
Savings
Roth IRAs +$57,027(+$2,467)
401K +$117,071 (+$6,574)
Emergency Fund +$13,283 (+$241)
Animal Fund +$1,543 (-$1,579)
HSA +$1,979 (-$346)
Overall: +$6,120.62 (This is for May-July)
Got the windows replaced and paid the balance. Insurance is supposed to be mailing me a $ 4k-ish check tomorrow, which we will put in savings for now. This home improvement has seemed to jump-start us to begin working on projects around the house again. We did so much remodeling for over a decade that we definitely got burned out and slowed down the last 3 years or so. But I guess we are ready to start picking at things again.
I am supposed to get the estimate for the foundation work next week. I am nervous and hoping it's a number we can afford. My mom is generously making a $500 monthly payment towards the HELOC, which will lessen the stress of another bill. If we agree to the price they are estimating a November start date.
In the last year we have paid $14k+ for a roof, $9k+ for windows, and bought a $19k+ new to us car. We are only down $12k in our savings which is honestly not bad for how many unexpected expenses we have had.
Husband is working a lot due to staffing shortages at work. He always works 6 days a week, but now he is having to work quite a few 12 hour days as well. Major bummer but at least it gives us some spare money. We have been spending it too. I forgot how many things you need when you are working on a house. We've bought two power tools and a new weed eater in the past two weeks alone. Plus a lot of smaller needed things like boards, insulation, screws, etc.
August 8th, 2026 at 08:10 pm 1786219815
August 9th, 2026 at 06:05 am 1786255506
Also, congrats on your overall net worth increase!
August 9th, 2026 at 04:20 pm 1786292422