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Okay, so I am going back to doing my payday reports. I was thinking I didn't really need to be accountable anymore, but we have spent so much on eating out the past couple of months that I think I was just fooling myself or fooling you guys, I don't know. It's more I didn't want to be accountable than that I didn't need to, so I'm back at it. I have a couple hundred dollars in checking so that is why the total amount listed below does not match with the 10% tithe if anyone is...
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I was only able to make a half payment this payday, but the other half will be next payday. I usually like to do it all on one payday, but because this is a month with three paychecks and because I am fully funding the Holiday/Gift Fund for Christmas next payday, I am breaking it up. $1000 is the minimum I will pay in a month on this loan. So $500 now, but hopefully $800 next time is the plan. It will be $500 for sure, but I am going to try to squeak a little more out this...
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Hi, everyone.

Today is my payday, so I have already allocated funds for bills. I have sent money to debt, mortgage, and savings. I sent $50.00 to cc1.

We are also saving money like mad for a couple of house maintenance projects we have coming up. I sent the leftovers of $41.31 from checking to house savings. I also recently received a reimbursement for having attended a work related conference. I had already paid off most of the charges for attending the conference out...
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Celebrations for this update:
-$668.23 paid off in the last 2 weeks!!
-Mom Loan went under the next $1000 mark!!

Student Loan $0
Payback Savings $0
David's Bridal $0
Scheel's Card $0
Total Rewards $0
LOC - US Bank $0
Ring Iddeal $0
Best Buy $0
HELOC $0
Store Loan $1,339.52
Mom Loan #2/#3 $30,561.30
MO Mortgage $77,981.31
My Mortgage $141,775.00
Our Mortgage $237,674.05
Total = $489,331.18

Down $668.23 in the last two weeks!

Starting total was $613,351.27
$123,351.86...
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Robert Kiyosaki wrote this book in a somewhat narrative fashion. He goes through his early business struggles and includes conversations with his “rich dad” about the elder’s financial projections for the nation.

The book goes on to explain that there are some serious flaws in the law (Employee Retirement Income Security Act or ERISA) that encourages an unsustainable type of investing. Non-investors are thrown into the world of stocks, but it isn’t in their best interest...
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This book is meant as a step by step guide to begin or improve making money in real estate. It starts with general education about cashflow, how real estate has a tax advantage in investments, how real estate employs leverage to accelerate your wealth’s growth, and how to organize your personal money so that you can be ready for the investment. It then lays out the process step by step, complete with checklists and goal setting. This step by step process includes defining...
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Looks like pics in my old entries are not coming up, and I am not able to add pics to my new entries. Anyone else? Do we know if this has been reported?

Thank you!
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*Looks like pictures aren't working again, so will have to add that later.

My FSIL has always been interested in couponing and finding deals and she has decided to get into reselling with me. She found this good clearance haul at Walmart for us to make some $$! I will split the costs and profits with her the same as I do with my Mom, Bro and FIL.

Cheetah Print Backpacks (2) - Regular Price $19.97 each
Final Price + Tax = $5.35 each
(Marked $10.00 each for rummage sale)
*ETA...
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Current Balance $18,300.00
+$185.00 FB Sales
+$50.00 My Payday to Our Savings (11/15)
+$75.00 My Payday to Our Savings (11/15)
Balance $18,610.00

Local Savings $6635.00
GC Savings $1390.00
Capital 360 Savings (US) $5365.00
Capital 360 Savings (Mom Loan Payback Account)$2870.00
Capital 360 Savings (Rental Deposit Account #1)$850.00
Capital 360 Savings (Rental Deposit Account #2)$1500.00
Total Savings = $18,610.00

52 Week Challenge
2019 Total = $1138 (Weeks 1-29,...
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I had this escrow thing all screwed up. My analysis was completed and there will not be a no refund. Apparently I’m required to keep a certain amount in this account. 🙄🤦🏽‍♀️

My mortgage did decrease by $3, however.

I balanced my cash envelopes and under budget in all categories, that’s a win.
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Today is payday, and my paycheck is received via direct deposit. My checking account balance this morning after my cash withdrawal was $2,454.54. From this, I need to subtract my sinking funds transfer ($230) and my dentist bill ($393.40, charged to Citi double cash MC yesterday) and then leave 1k in checking. That means there is $831.14 available.

I logged on to my bank account and transferred $831.14 to my 5th wheel loan. I have calculated the interest due* and updated...
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GS1's birthday party last night was fun. I ordered a skirt steak sandwich meal, which cost $15, and I took home half to eat today. He was pleased with my $50 gift, but he got $100 from my ex. Such is my life, always outdone. I keep reminding myself it is not a competition, though to my ex, everything is a competition.

In addition to the half-sandwich, I also took home some grilled veggies, which I will probably use in a stirfry or fried rice.

Variables are at 43%.

Did...
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Today is pay day, and I can’t wait to Stuff my cash envelopes.

I’ve created the budget for this pay period; however, my cash envelopes are pretty healthy so I’m sure I’ll be returning some cash back to the bank and adding the extra to the EF. I’m staying focus. Refunding my EF, tackling the CC the student loans, in that order.

I woke up at 3 am, checked my accounts and the direct deposits hit. I paid the following
$951.10 mortgage
$200 extra on CC10 💳
$50...
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Stanley wrote this book after extensive study of the American wealthy. At first, he thought he would be studying America’s upper class, but starting with his very first set of interviews, he realized that the truly wealthy do not live the lifestyle that one might imagine. This book works its way through many aspects of the lifestyle of the wealthy and contrasts it with the lifestyle of the high consumer. Private schools, car shopping, inheritance, neighborhoods, and marriage...
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Tons of sales picked up and an order I had been adding items too for months and they finally picked up! Just that order was $123.00! Total Sales for the week were $361.00!!

Sale #1446 (LW) $20.00
Rubbermaid Egg Holder (Joint with my FIL) - We paid $1.07
Sold for $5.00
Profit = $3.93

NDSU Fleece Blanket (Joint with my FIL) - We paid $5.36
Sold for $15.00
Profit = $9.64

Sale #1447 (JSB) $20.00
NDSU Fleece Blanket (Joint with my FIL) - We paid $5.36
Sold for...
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For me, this was the deciding factor in how big a priority paying off the 5th wheel loan needs to be.

If I were to retire NOW, I calculate that I could draw $1,456 per month from my nest egg. Here is how that budget would look:



Everything I need, but not much fun. Without the 5th wheel loan payment, I could increase those sinking fund contributions and have more discretionary dollars. In short, my financial situation would be greatly improved.

Plus, I intend to cancel...
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I have been mulling over how I want to prioritize paying down my 5th wheel loan. Do I not fund my Roth? Do I cut my sinking funds? Do I cut my 457 plan contribution?

I have decided the answers are yes, yes, and no.

I calculate that in 24 months or sooner, I can get the balance down to where I can pay in full from savings. This is what I am going to do.

I have cut both my travel sinking fund and car replacement sinking fund contributions to $0. I have trimmed both...
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My bumper damage was much worse than I thought. The estimate I got was $1700, so of course I decided to go through insurance. I will have to pay a $500 deductible.

To my surprise, I learned that the other party had opened a liability claim against me. I was shocked, since to me it was clearly a case of two people backing into each other accidentally. I suspect she saw white hair and decided to take advantage of the situation. I talked to my claims agent and gave a statement....
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It's actually been a long time since I took a staycation. I always mean to but it just hasn't happened for years. I had a bunch of PTO I had to use up or lose at the end of the year so I took some random days off. The way my schedule works, I only need to take off on a Thursday to get 5 days off in a row so that's what I did this week.

Today was day 1. Slept late. Like really late for me - 9:20, which was great because for some reason I was really exhausted yesterday. Did some...
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Today was my last day at the bus company. So weird! Some people stopped by especially to say bye ... others not so much. Oh well. I got to say bye to those I really wanted to.

I *think* I left it to where the new supervisor and whoever is the new me will be able to be successful. The new supervisor has my email and permission to email me if needed.

Something seriously funny - I was on my afternoon break and had just finished my Lara bar when an important trick hit me that...
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