All Entries

Appreciating things that are cheap or free in summer lately!
 
Exercise- Hiking, walking, swimming at state parks, gardening, yard work- if it wasn’t just $10/month already at Planet Fitness, I would cancel my gym subscription for the summer and still have tons of free options that are better than being cooped up in a windowless building while it’s nice out.
 
Entertainment- It’s easy to meet friends for a hike or a picnic at the park with their...
[ Read More ]

Begin - beginning checking account balance ($0.27 interest paid on 5/31/23)
pr - net payroll check
SB - my contribution towards our joint living expenses
cash - cash for the next 2 weeks
sf - automatic sinking funds transfers scheduled for 6/13/23
Citi MC - the balance this time includes a $250 payment to the endodontist and $52.88 for gas (I had Gilligan with me and wanted to pay at the pump)
CarMax - a payment towards my car loan.  The new balance is $21,434.24.
House...
[ Read More ]

I have had a terrible week. My son was sent home from the hospital too early -- sounds to me like the doc was anxious to get started on his vacation -- and he hadn't been properly monitored (IMHO), so a day after he came home he woke up in the night vomiting bile and went back to the hospital in an ambulance. He went back into surgery the same day and part of his colon was removed due to two blockages -- one caused by scar tissue and one section that just wasn't working. He also...
[ Read More ]

Thought I'd check in with you on how my new semi-retirement arrangement is working out. As you may remember, I sprung for a single premium immediate annuity  back in March, and I also took Dido's advice to redirect dividends to my checking account instead of reinvesting as I've always done. And then I'm still writing 2 stories a month for the university.
These 3 things produce the following monthly income, net of taxes:
Annuity: $933
Dividends: $708 (from 3 funds)
Job:...
[ Read More ]

So you may or may not have noticed that I haven't posted for a month and there is a reason for that.  I've had a series of tests on my lungs by pulmonary, and the breathing test showed that I couldn't blow out as hard the second blow as the first blow and then we waited and the same thing happened.  There were other test with the breathing and they weren't that great, but the damage wasn't really to the lungs, despite the shortness of breath that had been a near constant...
[ Read More ]

Just thought I'd give an update on how my other funds are doing, too.  Some of them are funds that are much shorter term, some of them are long term, and some of them are very long term and won't be included like the medical fund or the garden fund, because those are rolling funds, money in and out constantly, at least at this time of year with the garden fund and always with the medical fund.
$2500 Bulk Meat Fund  This is earmarked for our steer which is due to be butchered...
[ Read More ]

I updated my sidebar.  There has been some serious progress made in DH's 401K since the last time I upated retirement and of course that has propelled net worth forward a great deal.  DH has been working 80 hour weeks since the last week of April, so that has doubled his contributions and it has doubled the amount that his work has put in as well.  So 3/4 of the rise is due to contributions.
The rate of return for the year isn't great compared to any time in his...
[ Read More ]

Well it was a wrong prefix on the phone number changed the 3 to a 2 and it was fine, the woman was so rude and beligerent to me for no reason I guess she doesn't like mondays...but was able to get a 90 day hold while they do the amendment...but pretty much what they are charging us is late fees so not sure how we will get that done...I am still trying to find out what happened to the taxes last year and where they ended up...I was trying to see if they have fallen into the wrong...
[ Read More ]

Yesterday the markets went wild on the news of the debt ceiling deal, but too late to improve my May numbers which show a loss from April. Again, this does not including my checking account cash which hovers around $15k or my car value.
Investments $1,230,403
Cash (not including checking) $27,157
Total $1,257,560
Loss $6,985
Additional contributions in April $3,250
Got two notices that my rent will rise by $20 on July due to increases in water collections from two elections....
[ Read More ]

Yesterday's spending: $25 for toilet paper at Sam's, and $2 for laundry. Variables are at 11%.
I forgot to report that last month's variables spending was only 54% of the allotted amount. A very good month.
My son in Oregon is in the hospital after an emergency appendectomy. Unfortunately, the appendix burst, so he is in a lot of pain and in danger of infection. I am very stressed about that. I am also stressed because I have several spots that the Urgent Care doctor wants me...
[ Read More ]

I finally got a hold of the IRS as we had to do an amendment, we paid what they said we owed (once we figured it out properly) which was lower than what they said (before the amendment was put in), they said they have the amendment but haven't done it yet and that our outstanding balance has been given to collections, but to call them and as them to wait on everything until the amendment has been done...they gave me a number 367 941 1004...I call but it says it is a erong number...I...
[ Read More ]

So I haven't posted in two months I realized looking. I also haven't been online much.  April was busy and I ended the month visiting my parents for the first weekend of May.  I got back on the 8th and then everything in the month went off the rails.
My DH got into a scooter accident which they called a motorcycle accident.  I was calling him around 6 pm one night to confirm he was picking up our second child.  Some random person answered (note if you keep...
[ Read More ]

Well it's been another eventful month! I got laid off at the beginning of the month from the company where I've worked for 17 years. I guess they're shrinking the marketing arm even more because the profits aren't there.
The good news is I got a decent severance agreement. I got 3 more weeks of work (my last day will be this Friday), 12 weeks' severance pay after that, and health insurance through June. (After that it's COBRA or Obamacare for me, NT and the kids, so I know that...
[ Read More ]

Housing - $769
Utilities - $171 (low because gas bill did not hit this month, due to holiday)
Groceries - $100
Fees/Services - $40 (replenishment of tollway pass)
Vacation/Travel - $36 (short trip to brother's house)
Medical/Health - $33 (premium and band aids)
Eating Out/Takeout - $30
Gas - $28
Furnishings/Equipment/Decor - $24 (avocado keeper, mini-cooler)
Entertainment - $23 (streaming)
Laundry - $20
Household Supplies - $16 (dishwasher detergent)
Home Repair/Maintenance...
[ Read More ]

Debts
Mortgage −$114,618.73 (-$243.94)Land Loan -$9,923.77 (-$187.82)Hospital Bill - $966.41 (-$75)
Savings
Roth IRAs +$26,119 (-$113)401K +$50,212 (+$265)Emergency Fund +$6,964 (-$1,224)Animal Fund +$1,210 (+$4)Car Fund +$20 (-$0)HSA +$101 (-$784)
Overall: -$1,345.24
Ouch! The expected vet bills along with an unexpected and sudden termite swarm which cost $1,200 to remedy really did us in this month.
Some good news is that both our land loan and our medical loan dropped...
[ Read More ]

The hub wanted me to create a written record of our financials in case anything happens to me.  Until now, he primarily has made the money, and I have managed it.  I have a fairly detailed process, but everything is on my computer - he prefers a notebook that we can keep in our safe.  I decided this was a GREAT opportunity to get him more involved with how finances work so that we can hopefully dial in the monthly budget a little more. I found a budget book...
[ Read More ]

I really can't believe it, but we had another raise announced this week. It was 5% this time. I never would have expected another raise after the 16% raise we received last year & the 4% annual raise we got in January. I think we are also going to get retroactive pay for the raise back to April. What makes this better than the 10% retention is that it goes toward your pension calculation & your match calculation.
I have no plans to increase savings. If I end up with a...
[ Read More ]

c
 
 
What exactly is this Diamondexch9?
 
As a result of the enormous number of betting markets that are offered on sports competitions taking place all over the world, Diamondexch9 ID has earned a reputation as one of the most reliable cricket ids in India. Diamondexch9 ID is well-known among those who bet on Indian cricket for its reputation for offering competitive odds.
 
How does the betting work on Diamondexch9?
 
Diamondexch9 gives users...
[ Read More ]

begin - beginning checking account balance
pr - my net payroll check
SB - my contribution to our joint living expenses
cash - cash until next payday
SF - automatic transfers to sinking funds scheduled for 5/30/23
Citi MC - the balance this time covered 3 bills:  Verizon, Netflix, and Sirius XM.
CarMax - a payment towards my car loan.  I thought it would be fun to add another dollar every time, so that's what I did. The new balance is $21,645.14.
house DP - a...
[ Read More ]

Radhe Exchange is an online gaming destination that offers a wide range of games for players to enjoy. Whether you're a casual gamer looking for some fun or a competitive player seeking a challenge, Radhe Exchange ID aims to provide an exciting gaming experience for all.
At RadheExch app, you can find various genres of games to suit different preferences. Here are some examples of the types of games you might encounter:


1.     Action Games: Engage in...
[ Read More ]