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Closed today, I’ll be getting a check on the 7th for just over $700 and I’ll also be getting a refund on the payment I made for July.

The first payment is due September so, I’m throwing August payment into the saving that will give me three to four months of mortgage payment saved. I’m happy with that because that was my goal.

Next I’m adjusting the budget, and my direct deposit, to account for the $222, I’ll be saving each month in mortgage since refinancing....
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Contributions to our Pot of Possibilities (POP) for June!

Paycheck 6/1 $260
Paycheck 6/15 $260
Oldest Allowance $100
Total Interest $92.85
US Bank $12.32
Chase Rewards $17.87
Amex Rewards $51.39
Discover Rewards $0.37
USAA ATM refund 3.50

June Total $798.30

YTD Total $4,593.16
New Big Goal Total $76,677.09

Potentially could have included an Army Travel payment made to us this month which was over $1000, but for now we are holding it seperate for some potential...
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My grandson's baseball game was so much fun! They won by 10 points, which didn't hurt -- but it was just fun to be out among people (socially distanced and masked) and cheering for the team. The weather was great, warm but with a cool breeze, and I found a place to plant my chair in the shade.

I noticed that the strap on my chair's carrying bag was ready to break. It's a heavy chair and I really need that strap. I tied it, but it's a temporary solution. I may have to get...
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It's time to report interest income. Interest rates are far lower, and we lost a great rate when a recent CD matured.

FNBO $27.20
NFCU $65.43
USAA $0.22
Total $92.85

That's about $70 less than last month. Interesting times. The good times don't always last do they? However, we are very grateful for what we do have.

These funds have been added to our Pot of Possibilities!
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I’m really annoyed with the title company. My rate is locked in for a few more days and we are trying to close but they’re not responding. It’s crazy because I’ve used them twice before with no issues. I’ve given the broker to move on to another company.

I went ahead and paid the mortgage, though the rate is higher, my level of comfortability, is even higher. The broker told me I should be refunded. We will see.

Other news, I received payment from the side hustle,...
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It's been a month and a half since my previous post about what COVID has done financially to our household. What a wild ride it continues to be! At least my mental health seems to be settling into a more stable place; not happy, but more accepting that it's going to be a long long time before things get back to anything resembling normal.

Anyway, money stuff:

- Salary. Last time I wrote, NT had seen a 5% paycut. Now, the paycut for him is 20%. The bonus is, he gets Fridays...
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Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $88,673
NT's Roth IRA: $43,474
AS's trad. IRA: $21,004
AS's Roth IRA: $64,468
AS's SEP IRA: $45,695
CJ's 401(k): $153,837
CJ's Roth IRA: $47,862
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
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TOTAL ASSETS: $1,177,177

Debts:
US Mortgage $369,583
Loan from friends (duplex) $9,000
UK Mortgage...
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I was really hoping to close before the first. I have not heard a thing from the title company so I reached out to the broker. She’s telling me to hold off from making a payment. I’m nervous about that. She says if I pay, I’d get reimbursed, anyone know anything about this?
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In a couple of months, my salary will go up substantially as I will be working full time, my husband is receiving a small pension with health insurance and in November of 2020 he will start collecting early social security benefits. I'll be 51 soon and my husband 62 in October. I am already contributing 15% of my income between a 403B, Roth IRA and Teacher's state pension. We thought about our next move financially and decided to aggressively try to payoff our primary home in 5-7...
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Income Total: $1654.65
* $1500 Recurring monthly retirement account distribution
* $100 Swagbucks earnings (cash out to paypal)
* $54.64 Credit card cash rewards

Total Spending: $1326.00
Total Savings: $328.65 (difference between monthly income and monthly spending)

Fixed Expenses:
Verizon bundle (internet, cable, home phone): $158.83
Cell phone: $61.28
HVAC and water heater contract: $27.95
Condo Fee (includes water) $190.00
Health Care:...
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A few years ago, I read a financial article, book, or blog (I can’t remember unfortunately.) that had an impact on how I prepare for retirement.

Before then I had just focused on a number to achieve for my retirement account – one that would support a ‘retirement phase’ budget with a 4% annual withdrawal. My thought, like many others, was that my retirement date would be the day I achieved that number. I could project that date but not count on it. The article made...
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The contractor called and quoted a price of $2,750, which is very acceptable to me. I was figuring it might cost $5K. He is going to come on Thursday, when he will inspect the ceiling and the layout, and we will talk about dates then.

Last night's baseball game was cancelled during the first inning. A storm suddenly materialized. The game was halted and postponed for 30 minutes, but then it was cancelled.

I was quite surprised at the behavior of the other team and its...
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I'm caught up now on FB Sales and on $20K Updates...now I just need to get my debt updates back on track!

Current Balance $20,230.00
+$165.00 FB Sales
Balance $20,395.00

Local Savings $3690.00
GC Savings $6770.00
Capital 360 Savings (US) $3490.00
Capital 360 Savings (Mom Loan Payback Account)$4095.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $20,395.00

52 Week Challenge
2020...
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Baby Girl had her two month shots today so she is having a gooooood nap and I was able to sneak on and get the rest of June's sales logged! Now I am all caught up on logging for when I go back to work next week.

These sales were $223.00!!

Sale #1752 (AZ) $34.00
DVD Player - (Joint with my FIL) We paid $8.56
Sold for $16.00
Profit = $7.44

Mainstays Tea Jar + 4 Cup Set - (Joint with my FIL) We paid $1.61
Sold for $5.00
Profit = $3.39

Mainstays "Hello Summer"...
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Our mortgage lender sent a refi offer -- they FedEx'ed it which was a good ploy to get me to open it.

I like the rates they mention and that there are fewer fees. Plus it would be a chance to eliminate our mortgage insurance, which we're stuck with for the life of our loan regardless of LTV.

But they slapped this chart on the mailing and I'm totally confused. The new scenario shows a new loan amount that's over $120K lower than our current principal balance.

So what I'm...
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It's Monday, so I have started a load of sheets and towels.

My friend P, who is in the process of moving into a retirement home, has been asking me to order a few things for him on Amazon. He is very tech-unsavvy. He was going out to buy things, and I told him to please let me order for him so he wouldn't endanger his health. (He is close to 80 and has several underlying conditions.) I am glad he has consented to let me help. He just sends me a check to cover the cost.

Speaking...
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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...
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We bought a new slow cooker yesterday we have one that works well I just wanted a square one that was a bit bigger and I can make things like lasagna etc in them...it wasn't in our budget but that is fine...something that will get a lot of use especially since it is winter here.

Its payday this week can't wait to add to our savings...also need to menu plan tomorrow ready for the month...updated the monthly planner..and we are ready for July to start...can't believe the year...
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HUGE BOOST to savings!! The casinos finally reopened here and MO took a little guys trip with his Dad and Bro and came home up $1000! So exciting! We also received the payouts from our Hospital Indemnity Plans for both me and Hope. We used mine to pay medical bills and fill in for the reduced pay while I was on maternity leave. We are able to put all of Hope's into savings for now.

We are getting a new air conditioning system for our house this week, that bill will be...
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I still have a big pile of sales to log...but I only have a week left of maternity leave! I have been working as hard as I can (in-between snuggle time!) to get stuff done on my "Maternity Leave To Do List". I got my office cleaned so I am ready to go back to work and have been posting summer and Fourth of July items like crazy and have cleared out several boxes of inventory.

Total Sales below are $254.00!!

Sale #1734 (HL) $64.00
Mainstays Carry All Tote - (Joint...
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