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Yesterday was payday. Yay for a nice overtime check from husbands extra hours of work.

$2443.00

$700 of $2100 of the quarterly taxes came from our budget; DS#1 helped with $1,400.

$350- Roth IRA ($150 bi-weekly contribution and $200 to the projected short-fall)!

$921.00- credit card payment

$72.00- groceries

200.00- savings

20.00- charity

smallish amount was left in the checking for small bills as they coming.

I'm going away for a few days next week...
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Every month I calculate what my monthly income/expenses were, and so I've known since May that my totals were in the red, and growing worse each month.

Year-to-date, my spending has exceeded income by $8,700.

By year-end, my expenses should still come in at around $40K, give or take; my only remaining big expense this year is the 2nd payment of property taxes at over $3,000.

No, what's really caused this problem is my income is lower than projected. On most weeks, I get...
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For some reasons we get very unlucky with what we spend on our pets. Perhaps the real reason is we don't pay on the front end, we adopt dogs, so instead we pay on the back end.

Anyway last year I think I mentioned our dog we adopted in October 2018, a gorgeous standard poodle, was diagnosed with immume mediated thrombocytopenia. It's an autoimmune disease where his body attacks his platelets. We've spent a fortune this year, I'm not adding it up, on medications, and going...
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Goal: $776,700 by March 2024

Current retirement balance: $506,160 (yay, we passed the half-million mark!)

September 2019 balance: $496,098

Progress since last update: $10,062

Still needed: $270,450

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...
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Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,176
NT's Roth IRA: $39,305
AS's trad. IRA: $20,906
AS's Roth IRA: $60,273
AS's SEP IRA: $36,925
CJ's 401(k): $151,644
CJ's Roth IRA: $43,689
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: $1,145,941

Debts:
US Mortgage $375,712
Loan from friends (duplex) $9,000
UK Mortgage...
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So then on Monday 10/14 night we checked into WDW Marriott Swan hotel. Unfortunately for us the power went out that day in half the hotel. So checking in took over 1 hour and it was a ZOO. Had we known we'd have gone to eat out before arriving at the hotel and assuming we could eat there. The restaurants were closed and we had to go to the Dolphin and it was busy.

So besides the parking how much spending did we do? We spent $64 on magic bands to make using our fastpasses...
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Yesterday my agent texted me that my check (!) had been sent on the 25th and should arrive in 7 to 10 days. I fired back, what happened to quick pay, which I signed up for as my preferred payment? Apparently, I was too late in turning in my title. Though I did transfer it to the glove box on the day the car was totaled, it wasn't there when the adjustor was there, and so wasn't officially turned in until the next day, when the car was towed away.

Well, I was very unhappy,...
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This has been a great week. First I got the consulting job, next I received the credit, finally, from At&t for the cable boxes, now I have a $6 credit. Now that the AT&T issue is resolved, I’ll sign back up for auto pay.

I adjusted the budget for next month, since I don’t have to pay anything for cable, super excited about this. $71 saved

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Well you won't hear me make another complaint about my job I'm in now. Because I only have to do it for ten more days!!

That's right folks, I've gone and gotten myself a new job!! My first day will be November 14.

It's definitely going to be a challenge, with lots to learn. But ... I'm up for it!!

Just a wee bit excited.
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My daughter has had a debt for a couple years that she has been paying off...one that we didn't think she owed but being a govt dept it has been an uphill battle...I got sick so we stopped fighting with them and she continued to pay them...yesterday I called them and stated a few facts and said we were going to fight it until we were satisfied...she said she had to make a few phone calls that was at 2pm yesterday...today they have credited her account with $1800 and written off...
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This a multi day post. My prior posts to may were deleted. Anyway how did our trip to Orlando WDW and Universal go? Great. Very nice we had a lot of fun but didn't obviously do everything. We plan on going back but who knows when?

So our tickets were $654 to Tampa for four people and leaving Tampa $853 for a total of $1507 for tickets. Our car rental (hyundai sonata) was $200 for the week all taxes and fees. Our parking was $28 for 1 day at universal and $25 a day at disney...
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Hi, everyone. I got a payment of $10.05 for surveys. I paid it directly to cc #1.

I also cashed out rebates of over $10.00. I will get that in a few days and send it also.

Friday is my next payday and I still have money in checking.

I definitely feel blessed right now.


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The 2nd attempt at getting our dishwasher installed was yesterday afternoon. A different crew from a different company came out and they were amazing! They were friendly and understanding and professional and skilled. They were shocked that the other crew hadn't even made any attempt.

They pulled out the old dishwasher easily (the other guy said he might not be able to get it out) and proceeded to install the new one like it was nothing. They appreciated that we were educated...
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No money yet. Yesterday I sent a text to the adjuster I was working with asking when, but he has not answered yet.

I have singled out two cars I want to look at, but if the money doesn't arrive promptly, they may be gone and I may have to start all over.

Meanwhile, it's a bit of a pain to be carless. Today I'm going to take the bus to the library again. I have a book to return and one to pick up.

Food is still holding up, and even though I am down to three dishwasher...
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Debts
Mortgage -$113,197.37 (-$154.32)
0% CC -$4,015 (-$120)
Helitech Loan -$4562.50 ($)
Medical Loan -$2,109.65 ($)

Savings
Roth IRAs +$15,326 (+$337)
401Ks +$24,255 (+$762)
Emergency Fund +$3,359 (-$501)
Animal Fund +$104 (-$740)
Truck Fund +$1,725 (+$90)
HSA +$350 (+$103)

Overall: -$6,346.83

A terrible month for our net gain. Not only did we take on a lot more debt, but I had to pay out the rest of my animal money for hay, and I had to dip into my...
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Recieved our payment from the owners of the old house it was only $1000 but better than putting up with what we were...its now been put into savings for our house deposit.

Finally did some christmas shopping yesterday...used the CC but thats fine...it beats trying to go shopping closer to christmas...my illness just cant handle so much stimulation at once so will get done before it gets to busy...not doing a lot this year and the christmas budget just goes back on the CC...so...
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This week will be a little different, since we will be eating on the road for two dinners (possibly just one). I am getting low on pork, but it is always on sale so we will be able to buy some on Friday before the scheduled Sunday dinner. I've got a good stock of chicken and chuck roasts. I'll be looking for sales on sirloin steak and pork when the ads come out tomorrow, so I can plan this payday's shopping trip accordingly.

Monday:
Spaghetti with Seasoned Ground Beef
Salad

Tuesday:
Probably...
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Praise God, I got the consultant job. I’ll bring in an extra $800 a month. The good thing is that I will not have to reinvent the wheel.

Plenty of the things they need, I have in hand.

I’m both excited and nervous
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Thought I'd share a financial website I've been enjoying lately: https://fireyfemmesxmoneydiaries.wordpress.com/

FIREyFemmes is a Money Diaries style website that is specifically geared toward women interested in the FIRE (financial independence/retire early) movement.

I love money diaries in general (who isn't secretly interested in how other people manage their money?), and I do enjoy the Money Diaries on the Refinery 29 website, but they often seem to leave out the "big...
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I had a good conversation with Florida DS, who will soon be Oregon DS. He is happy to have found a job with such a good company (Amazon), but now that he is looking at the logistics of making such a big move, he is a little freaked out. He does plan to go up by himself at first and live in temporary housing while he searches for a home for the family. He says that housing is more expensive there than in his current home. His MIL is hard at work looking for suitable places online...
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