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Raise & Maternity Leave

October 21st, 2019 at 07:19 am

Now for some good news! I got a $3 an hour raise at my main job! (Effective 2020)

They did cut my vacation from 60 hours to 40 hours a year but with the raise it isn't much of a loss. Honestly I never took that much vacation anyway and always just cashed it in.

Not only that but they are going to give me 6 weeks of paid maternity leave as well! That will take a lot of the strain off because we won't have to save for my time off work. I secretly think it is because they are worried I will quit after the baby is born and by giving me a raise and maternity leave it will be harder for me to leave.

Don't plan on quitting, but I know things do change. Honestly for now though we need both of my incomes, so until our debt is paid I'm stuck. Perhaps 2021 I can think about going down to one job again if I'd like.

Husband also got a raise, around $.60 I believe. But he took a pay cut $.30 when he switched to days. So not much impact overall. We have all but $80 of the doula money saved now. Should be able to finish that off this week.

We are going on a weekend getaway this month. Just to a nearly hotel with an indoor pool. Husband finally gets a weekend off, and our anniversary is coming up so we decided to take a breather and just relax away from home. We have enough credit card rewards and date money saved to pay for the hotel and a fancy dinner so shouldn't cost us much out of pocket. It will be nice to getaway one last time before the baby comes.

Bonus, Insurance, Mortgage & Decor

April 5th, 2019 at 06:58 am

Well both the bonus and the health insurance came through. We decided to put back the $500 bonus for our vacation. Since it's already past time to buy plane tickets and such. The dirt pile can wait.


We have already deposited $60 into the HSA, but I have no idea where it is, or how to access it. So we will have to find that information out.

Paid my mortgage today, new balance is $114,114.20.

Had to buy more hay and pay for a vet bill so my animal fund is dwindling again. I can't wait to sell some goats and fully bulk that fund up so I don't have to keep pulling from my regular income.

We went wild crazy and spent over $600 this weekend of husband's overtime money. We got lots of stuff for the house including our remaining doors, door knobs, some decor, and we even printed and hung some pictures of us for the first time since we have been married... (Nearly 7 years. Embarrassment) I guess it just goes to show that we are finally settling in. It is SO FUN to actually get to decorate and style things, rather than make do with hand me downs and unfinished spaces. We are pushing hard to finish most of our in-progress projects because we are having several guests this month. We've been working every night on something.

We are about to completely finish the hallway and is it weird if I say it might be my favorite room in the house? I built a bookshelf that fits perfectly, and hanging above it is our personalized map with pins to all the places we have traveled. We both love travel and outdoors, so the room is adventure themed and we are going to cover it in pictures of us on all our vacations, and it has some mementos we have picked up along the way. Such as a bottle of sand from the desert, and a yellow rock from Yellowstone. Husband is an amateur photographer so we are printing his favorite landscapes to hang as well. It's nice to walk to our bedroom and remember all the good trips and fun we have had together.

Monthly Check In

March 28th, 2019 at 10:22 am

I'd like to start doing a monthly check in at the end of each month with numbers so I can keep track of my progress.

Here is where I stand for March:

Mortgage -$114,264.90
0% CC -$8,898


Roth IRAs +$14,380
401K +$19,478
Emergency Fund +$2,118
Animal Fund +$500
Truck Fund +$1,420

I think we broke about even this month as far as net worth. Had a lot of expenses and not as much income. I still managed to get my CC under the next thousand but I didn't meet my monthly goal.

HSA should start automatically withdrawing next week, so there will be steady progress on that goal.

We also did an "adult thing." We went ahead and signed up for life insurance through husband's job. It was only a couple bucks a check and now we will both be covered if anything happens.

April will be spent paying myself back and saving for my mini vacation in May.

Plugging Holes

March 6th, 2019 at 06:58 am

Ugh after a great January and February, March is already kicking my tail a week in, even worse than expected. So many holes I am trying to plug but I can't stop the bleeding.

So many big expenses popped up this week, just when I was feeling on top of everything.

1. I FINALLY got my car titled in my name ($315)
2. Had to buy hay ($315)
3. Husband's birthday present ($200)
4. Car insurance went up more than expected ($670)
5. Propane tank ran out and had to refill in addition to my normal budget billing ($400)
6. Received a bill from the vet I'd been waiting on ($60)

On top of this my mom decided she wants to go on a short vacation with me for her birthday so I need to come up with around $500 in the next two months.

Ehhhh. Thankfully I had money put back for the present, hay, and car insurance. But I still need to come up with over $700 for the propane and car title fees. That plus my smaller web design month, my debt payoff is going to be really down. Booo.

This month my husband and I have to start paying our own health insurance which will suck $300 a month out of our the budget. But he will get a $160 raise next week, so really only need to come up with $140ish extra.

Oh well. It shall pass. Lots of year left.

Home remodel is at least going well. We got some more trim up, and we are hopefully getting the driveway graded this weekend. Then we can finally purchase new rock.

Mortgage Payment & Net Worth

March 1st, 2019 at 07:52 am

Paid my mortgage today, new balance is $114,264.90!

I reviewed my net worth since starting YNAB again 6 months ago. In the last six months my net worth (if I exclude my mortgage and retirement accounts) has increased by 70%!! I've increased savings and decreased debt by over $8,000 in 6 months. Which means we have been saving/paying debt with over 30% of our monthly income.

If I include our mortgage debt and retirement accounts we have increased out net worth by 12%.

We are still about $4,500 negative in our net worth (excluding mortgage and retirement) but I am positive we will be in the positive by the year end and most likely sooner. Then it will be a longer marathon to be positive in our entire net worth.

If we count our house value as an asset we are already there, but I prefer not to include it since we have no plans on selling. I dream of a day of more money in the bank than I have in debt.

Onward and upwards.

Cars

February 20th, 2019 at 08:45 am

First the good car news. My father in law was kind enough to wash and clean out my old car, and park it in his driveway for sale yesterday. Well we already have someone seriously interested. It is at the mechanic today getting inspected and if it looks good it will be sold. That is the fastest I've ever seen a car sold! Unfortunately I will be getting about $200 less than I wanted for it. Father in law offered a lower price than I wanted to start with, but at least it will be off my hands and I will be able to cancel the insurance which is due to renew for the year in the next two weeks.

Then the bad news. I am having a terrible time trying to get my new van changed over to my name. It belonged to a relative who passed away and left it to her daughter. Who is selling it to me. I live right on a state line and the daughter lives in a different state than the deceased relative and I do.

Well we drove the 3 hours to her house and went with her to the DMV with all the multiple papers in hand. After waiting we were told sorry but we had to go the other states DMV. So we hop in the car and drive the 45 minutes and wait all over again. Only to be told no, we need to go back to the old one. By then it was already closed for the day...

So then she goes back alone another day and they tell her, NO they were right the first time we have to go back to the other state...

So then she mails me the title and all the necessary paperwork (will, trust, affidavit, death certificate, etc) Well I went again yesterday and FINALLY they say I have everything I need, except she had mailed me a copied death certificate and I need the original. ARRRRG.

So now she is mailing me the original and hopefully I will be able to go back in next week and get it taken care of. I'm not kidding we have been to 3 different DMVs, 4 times, with over 10 hours of driving and waiting. I can't believe it is this complicated. Ugh. Every person we talked to gave us a different answer. I just think they don't know what they are doing since it involves 3 parties and 2 states.

Gift & Taxes Filed

January 31st, 2019 at 08:01 am

I can't believe it. I was surprised to received a $1,000 gift yesterday!

We decided we are going to put $500 into our EF, I am giving $100 as a gift to someone else needy I know, and the other $400 I will pay on the credit card. It's going down way faster than I imagined!

Husband gets paid tomorrow for the first time and we should be back on a normal budget. He has about 20 hours of overtime this week, so we are going to both go through our entire wardrobes and donate/trash all the clothes that we don't wear. Then figure out what items we badly need.

I finally got all the forms I needed so I submitted my taxes this morning. After paying the state and for the tax software I will net about $750. Which will be sent to the IRA. Glad it's over!

Paid on the Credit Card & Possible New Car

January 22nd, 2019 at 11:50 am

We got the first check from husband's disability and I paid $849 on the two credit cards! I can't pay anymore until the balance transfer goes through. Hopefully soon.

I may be getting a new car. A relative passed away and my family is offering their car to me. I am test driving it around to see if I like it. It's a much nicer car, that is newer, with fewer miles. But it's a lot bigger and gets bad gas mileage. So I have to decide if the space/luxury is worth paying more for gas.

I only drive to work 2 days a week. But my car is the main driver when we go on trips, or errands.

Basically I have a cheapo old Dodge Neon. The new car is a Buick Terraza. So a minivan/cross over. It would be nice for driving around future kiddos and for our road trips. (We usually borrow my mom's van) It is also AWD which is nice for the snow. I haven't been able to get my car out of the driveway since Friday...

So we'll see. Still mulling it over.

Good News

January 16th, 2019 at 06:23 am

Well we got some good news today.

#1 I was able to pay $510 on the credit cards.

#2 I applied for a new 0% interest credit card for 18 months. And was approved for enough to cover the ENTIRE remaining amount we have on two cards now. So woo hoo. We'll be down to one card and have a good long while to pay it off. Still hoping for the end of the year. I will update my balances once the transfer goes through.

#3 We got a letter in the mail that says we were approved for short term disability for husband's month off work! It looks like they have already mailed the check. Although there is a mistake. Originally we had him going back after 3 weeks, but we just got the release for 4 weeks. So the payment is missing a week. We have already submitted the forms with the correct date on them, so if they haven't fixed it in a couple days I will give them a call.

Very thankful for this. It will still be 2 1/2 weeks until he receives his normal paychecks again. But since I've put money back we should be able to pay most of the STD on the credit cards.

Time Off Work

January 9th, 2019 at 06:29 am

My husband saw his surgeon this week and was told he could go back to work in two weeks... So we turned in his work release at his job.

And then his primary doctor said no way, that's not enough time. She wants to extend it another two weeks. Eek. The doctors are meeting today to decide, but fingers crossed he doesn't have to wait another month. Ugh.

We don't want to go back to his boss and tell him that his leave has to extend. Also the disability company is such a major pain. They won't even approved our claim until we have a work release date.

If his time off does get extended that will be 6 weeks off. Yikes. We were originally told 2 weeks, then it was 3, then 4, now possibly 6. This is because his job is so physical. If he had a desk job or could go on light duty he could go back now. Thankfully our church gave us a gift this week which covers a week of bills.

Hoping the doctors agree 4 weeks off is enough, and that the disability comes through.

And Life Laughs...

December 27th, 2018 at 04:24 pm

My last post was about how I felt so financially secure... And then the boom dropped.

My husband had severe stomach pain all day yesterday and finally went to the ER. He had an appendicitis and had to have an emergency appendectomy today... Thankfully we caught it before it ruptured, and the surgery went well. He is very tired and sore but home now resting.

The bad news. He is off work for 3 weeks. Frown Thankfully his work was very nice and understanding. I have already submitted a claim for short term disability which would pay him 70% of his base pay. BUT he has only worked there a little over 3 months so we aren't sure if he qualifies yet. We have to wait a week to receive the packet and then submit more forms, etc. Could be a while before we even know something. I do know he doesn't qualify for FML (you have to work a year). So I am a little scared he could lose his job, although his boss didn't indicate that.


Besides just his normal missing pay, this week was Christmas and he was off 2 days. Which was supposed to be a paid holiday, but per the employee rules you have to work at least one day in the holiday week to get paid. And now since he is off work he won't qualify for Christmas, or New Years either. On top of that he was supposed to be working 12 hour days these two weeks, and also Saturdays. So I don't even want to think about the amount of money we are going to be missing.


Major bummer. I know we will be okay. We always are. But it just stinks that instead of paying a large chunk of debt off, now we are going to be scrambling just to pay our bulls. I am very thankful we are in as good as a position as we are.

Hoping and praying that he doesn't lose his job, and that STD goes through so we can at least squeak by for the next 3 weeks. I would appreciate it if you kept us in your thoughts and prayers. Thanks!

Ready to Relax

December 20th, 2018 at 07:30 am

I've been complaining a lot about stressing and being over busy with web design this month. The good news is that I have hit my monthly hour goal already and still have 11 days in the month left! I've never done that. Honestly it's usually a struggle to hit my goal.

Also I have caught up enough that I am only going to have to work one day next week on web design and the rest of the week I will be able to relax and enjoy family time. Sometimes hard work pays off!

With all this work + my raise I should have over $700 just from my side income to put towards the CC next month. Also husband has a couple hundred ear marked for me from overtime. We might be able to pay $1,000 on the debt in one month! I never thought it would be possible.

My car is fixed, our bills are paid, our savings are on auto pilot, we have increased our EF, we have purchased all our needs... Don't want to jinx it, but right now I am feeling very financially secure. Hope this trend continues into next year!

Car Repair

December 14th, 2018 at 11:15 am

My car was done at the mechanic today. It was $130 which I had enough put back for. I just hope this really fixes it. *fingers crossed*

Husband's overtime is still every week. We are going to up the EF and then put some towards the CCs.

Goat is sold and gone.


Web design is still swallowing me. I've been having to play catch up on the weekends and been staying up to about midnight most nights. Both husband and I are worn to a frazzle. Our house is a wreck, and we have been eating a lot of crap food.

I really hope life slows down after the holidays.

Cars & Cats

December 5th, 2018 at 06:52 am

All bills and personal credit cards are paid, money is put back for this week's normal expenditures, and I have $7 left!

Bad news is that the new car battery did NOT fix my car like expected which means it has a much more expensive problem than we thought. I could not start it at all today and had to take my husband's car to work. Ugh. Looks like it will be going in the shop.

Also my kitten is getting fixed tomorrow, so I will need to come up with the money for that. That will be no problem when I get paid on Monday. I am really worried for her though, she had a terrible reaction to her first set of shots and almost died. We have no idea how she will do with the rabies vaccine and/or anesthesia. So I'm nervous. I will discuss my concerns with the vet before surgery.

I received an even better offer for the credit card I was planning on transferring our big balances to in January. Last month the offer was 14 months interest free, they sent me a new one for 18 months interest free. We will definitely still try to pay the balance within 14 months or sooner, but it's nice to have a bit more wiggle room.

Web design is overflowing right now. But so much so that it is stressing me out. Hoping I get the time to sit down and work a lot of hours to cut down on some of the projects hanging over my head. The income will certainly be nice!