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Blew it already, and other things

February 24th, 2017 at 10:25 pm

I was just checking out my side bar... my main goal was to file our taxes by Jan. 31. Yeah, hasn't happened yet. I am pretty sure I have everything, just need to get it done.

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My husband and I have been chatting a lot about "what next?" Do we stay in this house until our youngest son graduates? Do we look to move sooner? We go back and forth almost daily. We have about 135K in equity, but I am not sure I want to go through the hassle of selling, even if it's to downsize. We owe 193K on the house.

I think we ask this question a lot because there are things we want to do around here and we just want to make sure it makes sense. Like, this storage shed my husband has been building for us.

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We've incurred some debt as of late... It's been a while. We paid off and sold a car (to my son) and decided to purchase a truck. It was a difficult decision to make - to go further into debt - but I am fine with our decision, and I am focused on paying off my car ASAP. We owe 14K on it - I know I can pay it off in less than 18 months, so that's my goal.

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We got new PUPPIES! They are cheagles... Chihuahua and Beagle mixes. Their names are Beatrice and Ramona!
I forgot how much puppies need (shots, food, toys, beds). $$ but worth it! Smile I lurve them so much.

Getting there...

October 23rd, 2016 at 03:29 pm

So much going on... so much to plan for... so many goals to write down. I am declaring 2017 a SPEND VERY LITTLE year. We have done a ton of road tripping and weekend getaways over the past 3 years (and had so much fun and created SO MANY MEMORIES) but I am ready to settle down and decide what we want LONGTERM.

My oldest (21 on Monday) is still living with us. He causes zero issues, and is in school... but he's got some planning to do, too.

My middle (17) graduates in May and I have a feeling she will be hitting the road as soon as she is able.

We will soon be a family of three and I think that qualifies us for some budget adjusting and goal making!

This year (last 12 months) we did travel a lot. Probably spent upwards of 8,000. I REALLY want to refrain from that in 2017 and see what we can throw at debt (house, student loans, car).

We did pay off Car 2 a few months ago (need to update my sidebar). A whole year early. Happy at that!

I spent a few hours testing out a zero balance budget... I just need to get us through the holidays. We have birthdays, holidays, Christmas, etc...

So, here's to budget setting and goal making for 2017!

I love me some pay day!

February 12th, 2016 at 12:43 pm

I need to update my side bars... I found out that I owe $4100 on Car 2... I went into detail about it before... my brother purchased the car for his then girlfriend - unloaded her and then needed to unload the car, so I stepped in. We've been paying on it for 4 years and we can finally see the light! =) I am thinking of putting an extra $400 towards it for the next few months to see if we can just get it paid. Then I have to deal with getting it transferred into my name.

The tags are due this month, but I just realized that I have to get an emissions test done, so $157 set aside for tags and the test.

I was able to put $700 towards debt today! And another $600 to savings.

We've also had some expenses come up... Two dogs bites and, subsequently, two ER trips. Same dog, one victim was the husband and the other was my 9 year old. Exactly a week a part. My husband required plastic surgery, but my son did not. The hospital bills so far are $1200 (that's just the ER visit portion)... waiting to get bills from doctors and then for my husband's three day stay. The husband and kiddo are doing well, considering.

Sadly, we had to turn our pup in (another fee)... We just can't take any more chances. I don't feel like he is aggressive...But I do think he was trying to show his dominance. Animal Control was certain a rescue would come take him since he's only 2 and not yet neutered (may be part of the reason for his actions)... He may still have a chance. We've had the guy since he was just 8 weeks old and loved him MUCHO. So sad. We all have heavy hearts. And our other dog is missing him.

I have big plans for the weekend! We are going tennis shoe shopping and I may try to find some side chairs for my living room. 

The talk...

October 1st, 2015 at 06:00 am

I couldn't sleep. I am waiting for my son to wake up so that I can have the talk with him before he leaves for work at 7:30 am pacific.

My son will be 20 in 30 days (Halloween baby in the house!) And so far, so good. He has saved $1000 dollars in the last 45 days. He is pretty much set with his Emergency Fund. His job has changed slightly - he does piece work with no salary now (he had salary before, which made it possible to save that much money in that short amount of time).

So, $1000 in savings and $800 in debt.

He has a Kay Jewelers card with a balance of $500 and a USAA CC with a balance of $300ish.

I currently pay his $100 a month auto insurance bill (explained this in a previous post - he does a lot of the heavy driving for me, getting his sister to school, etc).

His phone bill is part of our family plan and costs me $15 a month.

Other than that, he has the Kay bill at $25 a month and the USAA bill at $25 a month.

I am of the mind that he should pay off the debt, then rebuild his savings. He's proven that he can hustle (in the most white, suburban way possible), and can save when needed... so I am not concerned with him being able to rebuild his emergency fund. In fact, I kind of feel like I'm still his emergency fund for now. He hasn't had any emergencies; he just replaced all four tires on his truck, his truck is paid for, his registration is set for the next two years, he's under my medical still... So, I don't see a reason for him NOT to pay off those cards.

I think he can completely do away with Kay, but keep the USAA card to continue to build his credit.

Now I just have to convince him. He's holding on tight to that savings account... Which makes me proud; it means he understands the value of paying himself first. But at the same time, he needs to get rid of the debt.

So... that's first on the docket this morning. I'll let you know how it goes!


Updated to Add:
We had the TALK! And it went well. So well, that I didn't realize his balances were lower than they actually were and he paid both accounts off, while in bed, with me perching next to him. (Hmmm. Maybe he just wanted to get me out of his room?). After both accounts being paid off, he still has $500 in savings. NOT BAD!!