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Viewing the 'Monthly Check In' Category
August 30th, 2021 at 08:11 pm
Debts
Mortgage −$119,977.62 (-$232.14)
Savings
Roth IRAs +$21,330 (+$179)
401K +$43,486 (+$764)
Emergency Fund +$8,997 (+$206)
Maternity Fund +$1,425 (+$425)
Animal Fund +$1,462(+$201)
Car Fund +$20 (-$0)
HSA +$2,662 (+$362)
Overall: +$2,369.14
Feels like time before the baby is slipping away. Still so much to do at home to prepare such as get a car seat and clean the house. We are in the home stretch which is both exciting and scary!
My old dog has both cancer and heartworms. ☹ Not completely unexpected because he has been declining for a while. He does get monthly heartworm prevention but I am not perfectly good at giving it at the same time every month. Sadly the steroids which would slow down the tumor growth would also quicken the heartworms, and heartworm treatment would be too hard on his frail body. We are going to try the slow kill method, recheck in 6 months and if the worms have decreased we will start him on steroids to hopefully slow down the cancer. Surgery or chemo was not advised by the vet because of his age and tumor growth. Of course the vet has no idea on a timeline, he could pass away tomorrow or make it another year or more. Just taking each day one at a time and making sure to make him comfortable and happy as long as possible.
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July 30th, 2021 at 03:38 pm
Debts
Mortgage −$120,209.76 (-$235.59)
Savings
Roth IRAs +$21,151 (+$95)
401K +$42,722 (+$625)
Emergency Fund +$8,791 (+$7)
Maternity Fund +$1,000 (+$1,000)
Animal Fund +$1,261 (+$200)
Car Fund +$20 (-$0)
HSA +$2,300 (-$53)
Overall: +$2,109.59
Kitchen is 95% done except for installing knobs, some caulk, hanging shelves and decor, etc. The main things are all installed, paid for, and in working order. I LOVE it. So much better.
I put my notice in at my job. I will be officially quitting the last week of September. 10 years is a good run. I'm nervous and excited to be a SAHM for at least a while.
We are currently all caught back up on the money we owed ourselves. I've been trying to save like crazy to put back enough money to lessen the stress of quitting my job for several months. Looking to need about $500 a month and I would love to save 4 months’ worth by the time I quit. Halfway there already, so I'm hopeful I will be able to complete and/or over accomplish that goal.
I finally got a large chunk of web design money I was owed. $500 more still to come.
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June 29th, 2021 at 02:39 pm
Debts
Mortgage −$120,445.36 (-$235.03)
Savings
Roth IRAs +$21,056 (+$316)
401K +$42,097 (+$828)
Emergency Fund +$8,784 (+$230)
Animal Fund +$1,061 (+$1)
Car Fund +$20 (-$425)
HSA +$2,300 (+$375)
Overall: +$1,560.03
We are back from vacation and came in under budget. We did have some issues with the rental car company not honoring our pre-paid price at pickup and charging us an extra $300. But I was able to contact support (it took forever) and they refunded the overage.
The truck fund is wiped and is now the "car fund." Since we won't be needing anymore vehicles in the near future we will change this to just save for general maintance, repairs, and license renewals. Ideally we would like to keep $500 - $1k in there just in case.
It's been a crazy couple weeks with vacation and my obgyn unexpectedly dropped me from care. I am/was so devastated because I LOVED my last birth. I've been scrambling to meet and find a new doctor but I think I have one picked out which is a major relief since I am almost in my third trimester.
We are still picking away at the kitchen. We got the dishwasher mostly installed last night, hoping to finish today. I can't wait to use it. Fingers crossed we did it right and it works correctly. lol.
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May 29th, 2021 at 01:34 pm
Debts
Mortgage −$120,680.38 (-$234.47)
Savings
Roth IRAs +$20,740 (+$385)
401K +$41,269 (+$976)
Emergency Fund +$8,554 (-$277)
Animal Fund +$1,060 (+$0)
Truck Fund +$445 (-$750)
HSA +$1,925 (+$375)
Overall: +$943.47
Had to steal from the car fund and the emergency fund to pay for kitchen remodel overages. I expect to pay ourselves back asap. Vacation is coming up quickly!
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May 6th, 2021 at 06:29 pm
Debts
Mortgage −$120,914.85 (-$233.91)
Savings
Roth IRAs +$20,355 (+$623)
401K +$40,293 (+$1,457)
Emergency Fund +$8,831 (+$353)
Animal Fund +$1,060 (+$0)
Truck Fund +$1,1195 (-$10)
HSA +$1,550 (+$375)
Overall: +$3,031.91
Kitchen remodel is starting tomorrow! I am scared and excited. I have been very sick this week and it seems like a terrible time to get started but we can't delay since the contractor is scheduled and the cabinets are waiting to be picked up. I am worried about not having a kitchen for a couple weeks and that seems really hard with a toddler but I'm sure we'll make do. Hopefully it goes quicker than expected and it turns out well.
Vacation is only a month away which is also exciting and scary. Thankful everything is already reserved and paid for.
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March 29th, 2021 at 02:10 pm
Debts
Mortgage -$$121,148.76 (-$233.35)
Savings
Roth IRAs +$19,732 (+$355)
401K +$38,836 (+$2,005)
Emergency Fund +$8,478 376 (+$102)
Animal Fund +$1,060 (+$0)
Truck Fund +$1,205 (-$0)
HSA +$1,175 (+$116)
Overall: +$2,801.35
Still plugging along. Kitchen remodel budget actually doubled but thankfully I also got a web design job which covers the entire amount. After we get a few more little saving items done and replenish the car fund I will probably start bumping up our retirement savings. It has been a year or more since we saved anything in the IRAs which has been sad. But we also paid off like $25k of debt or something crazy and this year we have saved over $15k. That is an insane amount of money for our income. We have been putting some into the 401K this entire time, but we can do better. Glad we are young and time is on our side. We have more saved than most people our age and income I think.
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March 3rd, 2021 at 04:24 pm
Debts
Mortgage -$121,382.11 (-$232.79)
Savings
Roth IRAs +$19,377 (+$243)
401K +$36,831 (+$995)
Emergency Fund +$8,376 (+$203)
Animal Fund +$1,060 (+$1)
Truck Fund +$1,205 (-$0)
HSA +$1,059 (+$206)
Overall: +$1,880.79
These numbers are actually not completely reflective of our total savings because I also have $3,000 saved for vacation and $2,500 saved for medical expenses. But since those funds are fluctuating and will be eventually drained I don't want to include them.
Besides that I also use YNAB so I have several thousand dollars sitting around that is alloted for different budget items and future bills. It's crazy to see my checking account pushing $10k but I don't consider myself to have "extra spending money." Everything is accounted for and budgeted for.
We are currently in a good spot so even though I have been working less lately our net worth is still slowly climbing. Right now I am trying to finish up our medical OOP savings, then I will replenish the truck fund and then start saving for more home projects. If we happen to get another stimulus as expected it will pretty much finish everything off at once. We are fortunate that stimulus money has been an unexpected windfall and not needed for daily living.
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January 30th, 2021 at 08:14 pm
Debts
Mortgage -$121,614.90 (-$232.23)
Savings
Roth IRAs +$19,134 (+$501)
401K +$35,836 (+$891)
Emergency Fund +$8,173 (+$659)
Animal Fund +$1,059 (+$850)
Truck Fund +$1,205 (-$600)
HSA +$853(+$437)
Overall: +$2,970.23
Lots of progress this month. I was able to fully replenish my buffer and I sold a few goats to boost my animal fund. I can't stress how amazing it is getting a paycheck and getting to decide where I want to save the money rather than figuring out how I can make debt payments.
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December 28th, 2020 at 09:12 pm
Debts
Mortgage -$121,847.13 (-$231.68)
Medical Loan #2 $0!! (-$4,100)
Savings
Roth IRAs +$18,633 (+$426)
401K +$34,945 (+$795)
Emergency Fund +$7,514 (-$1,017)
Animal Fund +$209 (-$0)
Truck Fund +$1,805 (-$0)
HSA +$416(-$2,358)
Overall: +$2,177.68
I was able to pay off my last medical loan which means I am debt free besides my mortgage and also completed all my 2020 goals!! This is the first time I have been able to accomplish that which I think is astounding since this has been such a terrible year.
I think we plan on resting for a month or two and saving up for a few smaller home projects and then we will begin saving in earnest again.
I will be working on and posting my 2021 goals soon.
*****
New website that will showcase personal finance blogs is up and you can now make accounts. I took a break from working on it over the Holiday but will be picking it back up soon. https://budgetbloggers.com/
If you have and suggestions on things you would like to see let me know.
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2020 Goals
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December 4th, 2020 at 07:33 pm
Debts
Mortgage -$122,078.81 (-$231.13)
Medical Loan #2 -$4,100 (-$600)
Savings
Roth IRAs +$18,207 (+$1,827)
401K +$34,150 (+$3,833)
Emergency Fund +$8,531 (+$247)
Animal Fund +$209 (-$729)
Truck Fund +$1,805 (-$225)
HSA +$2,774 (+$250)
Overall: +$6,034.13
Markets are crazy up. Had a car repair and bought some animal feed for winter. I already paid a huge payment on the medical bill for December and fingers crossed I will be able to pay it off this month and be debt free for the new year.
*****
New website that will showcase personal finance blogs is up and you can now make accounts. https://budgetbloggers.com/
If you have and suggestions on things you would like to see let me know.
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September 29th, 2020 at 12:40 pm
Debts
Mortgage -$122,540.51 (-$230.02)
Medical Loan #2 -$5,200 (-$300)
Savings
Roth IRAs +$16,112 932 (-$820)
401K +$29,582 (-$1,298)
Emergency Fund +$8,072 7,767 (+$305)
Animal Fund +$938 (-$179)
Truck Fund +$2,025 (+$20)
HSA +$2,274 (+$251)
Overall: +$1,190.98
Still waiting on insurance reimbursement for baby's surgery. Claim was processed wrong and had to be resubmitted. Lost net worth this month because of the bad market. Hoping next month is better as far as savings and debt payments.
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August 29th, 2020 at 02:58 pm
Debts
Mortgage -$122,770.53 (-$229.47)
Medical Loan #2 -$5,500 (-$300)
Savings
Roth IRAs +$16,932 (+$820)
401K +$30,880 (+$1,603)
Emergency Fund +$7,767 (-$253)
Animal Fund +$1,117 (-$300)
Truck Fund +$2,005 (-$10)
HSA +$2,023 (+$250)
Overall: +$2,639.47
Waiting on insurance reimbursement for baby's surgery. Also had a stupid random out of network bill show for a couple thousand from her stay in the NICU over 6 months ago. They are telling me it is going to collections soon if I don't pay. Which is retarded since this is the first bill I've received. Apparently insurance denied it and then never informed me or the agency... Gr. I've been fighting it and I strongly hope it will get removed since I've paid so much already and I feel this bill is unfair since I've met my OOP and the other bills in the same hospital were all in network. The health care system is such a scam!
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August 3rd, 2020 at 02:28 pm
Debts
Mortgage -$123,000.00 (+$11,059.35)
Medical Loan #1 -$0 (-$1,000)
Medical Loan #2 -$5,800 (-$300)
Savings
Roth IRAs +$16,112 (+$1,023)
401K +$29,277 (+$2,155)
Emergency Fund +$8,020 (+$3,932)
Animal Fund +$1,417 (+$1,001)
Truck Fund +$2,015 (-$60)
HSA +$1,773 (-$155)
Overall: -$1,863.35
Not bad after adding $11k to our mortgage. Of course the numbers are a bit skewed because we will be pulling $5,000 out for a home project eventually.
Paid off the small medical loan. This month I also finished saving for vacation, bought a fridge, and had to pay for travel for our baby's surgery. With husband's lack on overtime I'm surprised we completed as much as we did. August is probably not going to be as successful but I am happy to be down to just one goal for the year!
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June 29th, 2020 at 02:40 pm
Debts
Mortgage -$111,940.65 (-$159.27)
Medical Loan #1 -$1,000 (-$400)
Medical Loan #2 -$6,100 (-$300)
Savings
Roth IRAs +$15,089 (+$171)
401K +$27,122 (+$438)
Emergency Fund +$4,088 (+$301)
Animal Fund +$416 (+$0)
Truck Fund +$2,075 (+$30)
HSA +$1,928 (+$250)
Overall: +$2,049.27
Steady progress. Husband got a bonus so with my extra web income we have $900 to put towards our vacation (not included in the above figures). Only $600 more to go to our goal of have a PIF vacation.
I am selling 4 goats next week, just in time because my hay is ready to start getting picked up.
I getting at least one month where I don't have to pay our mortgage while it's changing hands. Since I already have that saved I am going to apply the old $600 payment towards the medical debt. One loan will only have $400 left on it. Hoping I can pay if off in August, July would be awesome but a bit of a stretch. Then we will be down to just one loan again!
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May 28th, 2020 at 01:30 pm
Debts
Mortgage -$112,099.92 (-$158.64)
Medical Loan #1 -$1,400 (-$100)
Medical Loan #2 -$6,400 (-$320)
Savings
Roth IRAs +$14,918 (+$794)
401K +$26,684 (+$1,644)
Emergency Fund +$3,787 (+$376)
Animal Fund +$416 (-$90)
Truck Fund +$2,045 (+$10)
HSA +$1,678 (+$250)
Overall: +$3,562.64
Markets recovering. Only paid minimums on debt and our automatic savings this month. Hanging onto money with the refinance and Covid-19.
Already have the minimums saved for next month so hoping to make an extra payment in June.
Waiting on the appraisal report to come in so we can close on the refinance. Last pup sold and goat kids are being born.
Our water heater is going out after only 8 years and we had planned to replace with a tankless when it died. Looks like it will be around $2,000+-. Will probably get a 0% payment for this just to keep the cash on hand for now. It is always something...
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April 29th, 2020 at 05:11 pm
Debts
Mortgage -$112,258.56 (-$158.02)
Helitech Loan -$0 (-$2,550)
Medical Loan #1 -$1,500 (-$100)
Medical Loan #2 -$6,720 (+$6,720)
Savings
Roth IRAs +$14,124 (+$922)
401K +$25,040 (+$1,901)
Emergency Fund +$3,411 (+$401)
Animal Fund +$506 (+$0)
Truck Fund +$2,035 (+$90)
HSA +$1,428 (+$250)
Overall: -$347.98
Markets recovered a bit. Savings also went up and we paid off a large chunk of debt but unfortunately we also took on almost $7k of new debt for the rest of the baby bills. Overall not as bad was expected. We should be back in the green next month.
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March 27th, 2020 at 02:45 pm
Debts
Mortgage -$112,416.58 (-$157.39)
Helitech Loan -$2,550 (-$600)
Medical Loan -$1,600 (-$100)
Savings
Roth IRAs +$13,202 (-$2,366)
401K +$23,139 (-$2,509)
Emergency Fund +$3,010 (-$396)
Animal Fund +$506 (+$1)
Truck Fund +$1,945 (+$100)
HSA +$1,178 (+$250)
Overall: -$4,062.61
Ouch! Markets really crashed this month. In addition I paid my 6 month car insurance. Medical bills are still sorting out but I will add them to my net worth next month, so there will be another $7k+ decline in April.
We also saved and spent $600 towards vacation this month.
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February 3rd, 2020 at 06:24 pm
Debts
Mortgage -$112,730.74 (-$156.16)
0% CC -$2,700 (-$400)
Helitech Loan -$3,550 (-$400)
Medical Loan -$1,800 (-$100)
Savings
Roth IRAs +$16,032 (-$185)
401K +$26,143 (-$65)
Emergency Fund +$3,104 (+$875)
Animal Fund +$505 (+$400)
Truck Fund +$1,725 (+$60)
HSA +$724 (+$218)
Overall: +$2,359.16
Retirement markets where down, but I was able to pay down debt and replace my emergency fund this month.
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December 27th, 2019 at 03:34 pm
Debts
Mortgage -$112,886.90 (-$155.54)
0% CC -$3,100 (-$400)
Helitech Loan -$3,950 (-$50)
Medical Loan -$1,900 (-$100)
Savings
Roth IRAs +$16,217 (+$496)
401K +$26,208 (+$1,005)
Emergency Fund +$2,229 (-$199)
Animal Fund +$105 (+$0)
Truck Fund +$1,665 (-$190)
HSA +$506 (-$45)
Overall: +$1,772.54
Average month, but I'm actually surprised it is not worse with all the Christmas shopping! I did not make my goal of paying $400 on the Helitech loan this month. Fingers crossed for next month.
We are getting into crunch time to save for the baby. I have already put back some money (not included above) for debt payments next month. I would like to get everything paid ahead before husband has to take off work.
**Some deposits haven't went through yet, and I may have to update figures.
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December 2nd, 2019 at 04:47 pm
Debts
Mortgage -$113,042.44 (-$154.93)
0% CC -$3,500 (-$515)
Helitech Loan -$4,000 (-$562.50)
Medical Loan -$2,000 (-$109.65)
Savings
Roth IRAs +$15,721 (+$395)
401Ks +$25,203 (+$948)
Emergency Fund +$2,428(-$931)
Animal Fund +$105 (+$1)
Truck Fund +$1,855 (+$130)
HSA +$551 (+$201)
Overall: +$2,086.08
A solid month. Lots of gain which was offset from having to pay my annual yearly home insurance.
Not figured in this is the $1,500+ we spent on nursery furniture and Christmas presents on Black Friday. We had the cash for this. My Christmas shopping is mostly done. I only have two more people to buy for and my husband's stocking. The only big thing we have left to purchase for the nursery is a rug. We bought a crib, recliner, and a used dresser that I am going to paint.
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October 29th, 2019 at 01:52 pm
Debts
Mortgage -$113,197.37 (-$154.32)
0% CC -$4,015 (-$120)
Helitech Loan -$4562.50 ($)
Medical Loan -$2,109.65 ($)
Savings
Roth IRAs +$15,326 (+$337)
401Ks +$24,255 (+$762)
Emergency Fund +$3,359 (-$501)
Animal Fund +$104 (-$740)
Truck Fund +$1,725 (+$90)
HSA +$350 (+$103)
Overall: -$6,346.83
A terrible month for our net gain.  Not only did we take on a lot more debt, but I had to pay out the rest of my animal money for hay, and I had to dip into my buffer to pay for even more animal food. The reason debt did not go down was because my side income check is late. I'm guessing they will probably wait and add it to next month's check at this point. I put in a lot of hours this month thankfully. So here is to hoping November is better...
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October 4th, 2019 at 02:24 pm
Debts
Mortgage -$113,351.69 (-$153.71)
0% CC -$4,135 (-$711)
Savings
Roth IRAs +$14,948 (+$258)
401Ks +$23,493 (+$642)
Emergency Fund +$3,860 (-$394)
Animal Fund +$844 (-$390)
Truck Fund +$1,635 (+$115)
HSA +$247 (-$490)
Overall: +$605.71
Retirement gains. Debt pay down. Car insurance was due and pulled from escrow/EF. Also had to pay about $1,000 in medical bills from the HSA. October month is going to hurt because we are taking on a significant amount of more debt, and I will be buying the last portion of hay.
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October 4th, 2019 at 02:11 pm
Debts
Mortgage -$113,505.40 (-$153.10)
0% CC -$4,846 (-$1,022)
Savings
Roth IRAs +$14,690 (-$495)
401K +$22,851 (-$528)
Emergency Fund +$4,254 (+$378)
Animal Fund +$1,234 (+$651)
Truck Fund +$1,520 (+$120)
HSA +$737 (+$106)
Overall: +$1,407.10
Progress on savings and debt pay down. Retirement loss in in the market.
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October 4th, 2019 at 02:10 pm
Debts
Mortgage -$113,658.50 (-$152.50)
0% CC -$5,868 (-$975)
Savings
Roth IRAs +$15,185 (+$308)
401K +$23,379 (+$2,424)
Emergency Fund +$3,876 (+$301)
Animal Fund +$583 (-$40)
Truck Fund +$1,400 (-$215)
HSA +$631 (-$149)
Overall: +$3,756.50
Steady progress on CC, EF, and retirement. A large chunk was from an unexpected/late contribution from husband's old employer. HSA was contributed to, but was overthrown by baby medical expenses.
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October 4th, 2019 at 02:09 pm
Debts
Mortgage -$113,811 (-$151.09)
0% CC -$6,843 (-$580)
Savings
Roth IRAs +$14,877 (+$653)
401K +$20,955 (+$1,129)
Emergency Fund +$3,575 (+$481)
Animal Fund +$623 (-$819)
Truck Fund +$1,615 (+$105)
HSA +$780 (+$240)
Overall: +$2,520.09
Markets recovered this month and everything moved up slowly but surely except for the animal fund which was wiped pretty low after the purchase of hay and a new goat.
Credit card progress is slowing down as expected since my hours are significantly slower.
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October 4th, 2019 at 02:09 pm
Mortgage -$113,962.90 (-$151.30)
0% CC -$7,423 (-$1,061)
Roth IRAs +$14,224 (-$641)
401K +$19,826 (-$665)
Emergency Fund +$3,094 (+$446)
Animal Fund +$1,442 (+$1,242)
Truck Fund +$1,510 (+$250)
HSA +$540 (+$301)
Overall: +$2,145.30
Made bigger progress this month but it was offset in the market drop of our retirement funds.
I thought it would take until August for our net worth to hit zero but I am at $-600 right now and will be positive as soon as I get my web design check this week!!
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October 4th, 2019 at 02:08 pm
Here are the April Numbers:
Mortgage -$114,114.20 (-$150.70)
0% CC -$8,484 (-$414)
Roth IRAs +$14,865 (+$485)
401K +$20,491 (+1,013)
Emergency Fund +$2,648 (+$530)
Animal Fund +$200 (-$300)
Truck Fund +$1,260 (-$160)
HSA +$239 (+$239)
Overall: +$2,371.70
Not huge progress from last month but still in the right direction. May is already looking like it will be a much better month.
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