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2019 is about to come to a close and I wanted to document what our current financial situation is at the moment. I am a bad "blogger" in that life gets in the way and I forget to jump on here very often...

Oldest DD should be graduating college in May 2020.
Youngest DD will be starting college in June 2020.

We have just gone under contract on a small 1100 sq ft 2bd/2ba home as of yesterday. It was listed at $175k and we got it for $168k. Most properties in our area get...
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All our mortgage payments hit:

US Mortgage $760 to principal
UK Mortgage 1 $183
UK Mortgage 2 $37
UK Mortgage 3 $41

All told, that's $1,021 of debt paid.

New household debt totals:

US Mortgage $374,193
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,238
UK Mortgage 2 $6,164
UK Mortgage 3 $6,490

TOTAL DEBT $425,085
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Goal: $776,700 by March 2024

Current retirement balance: $517,266

October 2019 balance: $506,160

Progress since last update: $11,106

Still needed: $259,434

The new interim goal is based on getting my and NT's retirement to 4x our salaries (currently $75,120 and $62,100) by the time we turn 50 and AS's retirement values to 3x her annual income ($75,940 in 2018) by the time she turns 45.
$75,120 x 4 = $300,480
$62,100 x 4 = $248,400
$75,940 x 3 = $227,820

It...
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I was so busy last month that I'm late on my update. Therefore some retirement contributions that would ordinarily show up in my December net worth update will be here. This note will remind me not to be disappointed at our progress end of December!

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): $82,940
NT's Roth IRA: $40,895
AS's trad. IRA: $21,198
AS's Roth IRA: $62,163
AS's SEP IRA: $37,479
CJ's...
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After updating my spreadsheet with the laundry I've done and buying gas, my variables are now at 40%.

Today I'm going to pay my wheel tax. Yes, I really will! While I'm there, I want to verify that if I load $75 onto my Brinks card (for discounted ground transportation) that I won't lose the unused portion at the end of the month. Wording on the website is unclear. Once I do that, I'll get the Uber app and link this card to it.

I am taking the boys to music lessons tonight....
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India economy is facing a bad era now a days , The Periodic Labour Force Survey (PLFS) estimated India's unemployment rate in 2017-18 to be 6.1%, which is over double that in 2011-12 when the unemployment rate was 2.7%. The labour force participation rate is also abysmally low at 37%.
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Hello everyone! I met my goals of paying off my consumer debt and student loan this year. A few really good-paying projects from our side business was the key to help us get the debt paid off. Using the snowball method was also important to keep the momentum gong.

I must say what a relief it was because I became unemployed at the end of September. You can't put a price on peace of mind but for me, it was in the thousands of dollars. On a happier financial note, I accepted...
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Monday:
Garlic Herb Baked Chicken
Sweet Potatoes
Green Beans
Oranges

Tuesday:
Beef Stew with potatoes, carrots, celery, and parsnips
Broccoli
Apples

Wednesday:
Chicken Stir Fry with broccoli, carrots, celery, cauliflower, cabbage
Rice
Oranges

Thursday:
Sirloin Steaks
Baked Potatoes
Zucchini and Yellow Squash
Apples

Friday:
DH's work Christmas party
Baron of Beef
Roasted Red Potatoes
Green Beans with Almonds
There are lots of other choices, but none...
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Was able to make a CC payment today...$3200 so feel good about that...hoping to make 2 smaller payments during the month. Yah getting there
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I did a bunch of Christmas shopping this morning on Amazon. It was $354, and I'm about half done. I didn't get any Cyber Monday deals; I was working from wish lists.

After doing laundry and cleaning up, I went to the Kia dealer to see if someone there could help me with the phone function. Someone did get it paired for me, and showed me the basics, but for some reason my contacts would not download. I'm going back next Monday for the 30,000-mile service, so we will revisit...
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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...
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And just like that my computer is toast. :/ The computer I scrimped and saved for and then paid off early.

I knew this day was coming. It has been making some noises for a month or two now. (Of course about a month after my extended warranty wore off...) The computer is 4.5 years old and I use it for hours daily and have lots of programs and games.

Fortunately I can still get in it in safe mode so I was able to save my bookmarks, and documents. I had almost everything backed...
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Total sales for the week were $487.00!!

Sale #1505 (SK) $12.00
Atari Flashback 9 (Joint with my FIL)- We paid $11.77
Sold for $12.00 (Sold to a family member so just sold for cost)
Profit = $.23

Sale #1506 (LC) $12.00
Bath and Body Works Lotions (2) - I paid $3.49
Sold for $6.00 each
Profit = $5.02

Sale #1507 (AH) $68.00
Licensed Character Slipper Socks (Joint with my FIL) - We paid $1.07
Sold for $3.00
Profit = $1.93

Philips Net Lights (Joint with...
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so i had a long weekend off the check for this week will be sad but as this is just extra income I am OK.

I went to a dermatologist as I had a new odd growth looked like a mole had all the " signs" the articles etc tell you to look for irregular edges / rough texture/ changing color /itchy etc.
Took this DR 15 seconds to say "Nope, it is a common benign growth ( long weird name) that has zero chance of cancer"
I was relieved but also felt a bit silly. i told him that...
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Lots of little goodies for Christmas sales, the watches are already selling great!!

Air Metal Ball (Bought 1)
Regular Price $3.88
Final Price + Tax = $.03 each
(Marked $1.00 each for rummage sale)

Equate Adult Tussin 8oz (Bought 5)
Regular Price $3.36
Final Price + Tax = $.80 each
(Marked $2.00 each for rummage sale)
*ETA - Sold 1 for $2.00 on FB on 11/24/19
*ETA - Sold 1 for $2.00 on FB on 12/15/19

Parents Choice Breast Milk Storage Bags(Bought 1)
Regular Price...
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We went to WalMart tonight to pick up some outdoor Christmas decorations. MIL's treat. They didn't have much left. I guess when you start selling Christmas stuff before Halloween, expecting there to still be a decent selection on December 1st is too much?

We got icicle lights in blue and white for the house's gutter line and porch peak and some bush blanket nets, some candy canes, and 4 little decorations (a cardinal, an angel, a star, and a Santa face) that we can attach...
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$346.83 Tithe
_400.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Fund
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Gas Money
_100.00 Adults Blow Money
_120.00 Kids Allowances
_700.00 Christmas Fund
1000.00 Monster Mom Loan
--------------
3464.03 Total Money Out
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It's been a little while since I posted a student loan update. Still here working on them.

Loan snapshot:
Private loan: $19,612.46 principal and $454.07 interest – PAID OFF
Grad plus loan: $9,546 principal – PAID OFF
Stafford loan #1: $8,500 principal – PAID OFF
Stafford loan #2: $8,500 principal- PAID OFF
Stafford loan #3: $8,500 principal and $1,399.20 interest: Balance: PAID OFF
Stafford loan #4: $43, 595.23 principal and $10,794.81 interest: -PAID OFF
Stafford...
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Here is a new spreadsheet I have been working on. As you can see, it is a bit more detailed than the one I have used in the past. It is basically showing a summary of every transaction in my checking account for the month of November 2019.

So it begins with an area labeled "Income" and colored yellow. "Income" is a bit too narrow of a description, as it also includes money transferred in from other accounts as well the beginning balance of my checking account, labeled "Buffer"....
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Not much to report overall. DH and I went on two day bus trips this week. Not exactly great planning on the travel agency's part, but they were things we wanted to do.

The first was to go to Joliet to the Jacob Henry Mansion. It is a Victorian home that has been kept up and there was a luncheon complete with Mr. and Mrs. Lincoln visiting. After a delightful meal (usually these aren't all that great, but this one was) the Lincolns talked about how Christmas was celebrated during...
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