Quoted from Clever Username:
"Congrats on hitting the Starting line!Let's get out ahead of one thing. Your husband, the budget, his credit card and his second job. I like your thought if you get one thing from him, let it be the budget. But here's where credit cards get sticky. You lost me with the mine that his second income goes towards his credit card with a zero balance.This is not a debt question, this is a Budget question. Refuse to talk about it in debt language. These are expense
I forgot the most important part!
We were under budget by $388 for the first bi-weekly period and Spouse gave me $20 to throw with me regular snowball of $80 so I was able to make a payment of $488 toward the Chevron card today!!!
*** I am moving my forum posts to the blog to keep up with my journey***
Where to start?
I am $90K in debt. What a daunting place to start, huh?
Here it is... in all of its treacherous glory. (I've rounded the change for the list, but the total includes every penny)
Chevron $2,266 Min. $80
Capital 1 $3,959 Min. $40
Amazon $6,825 Min. $120
Car $11,596 Min. $285
After 1 year his A1C is holding steady at 5.3 (off meds) and has lost 75 pounds (hovering between 75 and 80). Wants to lose 10-15 more ideally, but is currently stalled where he is.
A few newer definitions.... these apparently haven't been around long and are based on the new (to medical professionals) idea that diabetes actually CAN go into remission (what some folks are calling "cured")...
"partial remission" = fasting glucose between 5.6 and 6.9 for at least a year (no meds)
I am back in college this quarter, taking 2 classes. I have done school on and off for years, but I know I need to buckle down and finish getting that associate's. My mom and I are kind of in a race, to see who can get their bachelor's faster It's kinda fun. Obviously she has the advantage of being ahead of me already, but it's fun to share and joke with her. Anyway, being a student sucks the time out of my week. There is a lot of basic structured homework (online, business algebra) and then
Wow - It's been a while and a lot has happened - actually - everything that could have happened has indeed happened.
I can't stay on long - but here is where we are:
I moved into my own two bedroom apartment in December of 2015.
In Feb of 2016 I was laid off after 10 years.
I freaked out - totally freaked out. Got very depressed - got suicidal - wanted to simply not be anywhere anymore - no job, no husband, no divorce, no friends - it was a really crappy three months - like real
1) Pay off BBT
2) Open and fully fund two Roth IRAs
3) FFEF of $12,000
1) Refinishing the wood floors on the first floor of our house
2) Installing wood floors in the upstairs bedrooms ($2k, diy)
3) Dormering out the upstairs of our cape cod to make walk-in closets for each bedroom before our 23 yo house needs a new roof (diy)
4) Refacing kitchen cabinets and painting them (dh would make new doors himself)
5) Replacing falling apart dining table/cha
I can not post this anywhere where anyone knows me because it would not go over well, but I am fed up with Dh's ex.
She gets almost $800 a month in child support and isn't paying the kids's bills. She is 4 months overdue on her share of the orthodontist bill (her share is only $32 a month, ours is more). The school calls us almost daily about the kids overdue lunch accounts (we have them pack so that is ALL her) and she is overdue on their aftercare as well. None of this would be overly
Well, we are in a place we haven't seen in a while... baby step 3! Based on current projections, after replacing our sinking funds, we will not climb out of the hole until December! So, I stopped the 529 contributions (which kills me) but should help to keep me motivated to fix the mess we are in.
We never made it to the deck project or dental work, but we did go forward with the beater car - and even paid $1000 for it, but spent $$ to pass inspection. We've also had issues with our other c
Let me begin by saying that we are well, we had no damage to our home, and our power and water are restored. However, half of our city is still without power (since Thursday night) and it may still be a few more days. We are blessed beyond measure to be where we are at this point.
Next let me say that we are so thankful that we saved back some of DH's leave payout from his retirement because that has relieved some of the anxiety related to storm preparation and post-storm "survival". I had
So we had our 9ish month check up... hard to believe that it's really been that long, but it has.
Total pounds lost - 71-75 depending on when he steps on the scale.
Total A1C - 5.3 (normal high is 5.6, anything over that gets you a diabetes diagnosis) Started at 11.6
Total cholesterol - 163 (I think), generally they want it to be under 200. Started around 200.
Blood pressure normal.... started borderline high
Total medications - ZERO!! Started on two different ones for diabetes, with th
Sinking funds goals & amounts
Listed by priority
1. Tuition $2700/$3500 due Sept 7, 2016
2. Property tax $7/$2400 due Jan 1, 2017
3. Home/Auto Maintenance (EF for the EF), $2360/no cap --- need to set a monthly amount to contribute and forget about it -- ideally could keep in the $10k range, but would not object to getting it higher until we know what-all repairs may need to happen on the house when we decide to list
4. Vacation Fund $860/$2500 due Jun 1, 2017
Not a sinking fund,
So in March I posted about the fact that I would be graduating soon. Well, I did it! I graduated (with high honors even!), took my scary certification exam which I passed. I'm now licensed and have a (very) part time job! *phew!* That was a crazy 3 years of school!
And, I'm happy to report that I graduated debt-free.
I'm quite certain that to most of the world it will sound crazy when I say this. Now I have the unique "problem" of not really knowing what to do with the little bit of mone
It's a new month and I'm determined to make our budget work and get back on track! My goal is to get all of the baby steps in the budget, with our 10% gross to giving and a min $1000 snowball.
I want to convert the traditional iras to Roth, but need to do some tax planning to see if we can afford to do it this year. My health insurance is also going up so need to review that as well.
I would like to automate our 15% retirement so we can finally be consistent with BS4. I have automated th
Well, it's been quite a month, and July is not even over yet! I think I'm going to hide out in our bedroom with the baby until it is, just in case!!
We fixed the balcony, replaced the boiler, and bought the pool fence. The boiler completely died two hours before the new one was delivered, leaving us with no hot water until his brother (who does hvac for a living) could come over to help install it...but they didn't have time to do the heat, so he'll have to come back... We have also been hav
We are in our 4th week of being serious about this. Thank you for all the encouragement in my BS2 thread.
Here's our status as of today:
BS1 - $1,000 baby emergency fund - CHECK and moved to a separate account so it won't be even tempting to use for non-emergencies
BS2 - $77,356.11 (down $7,501.73 from $84,857.84 in debt partially due to a leave payout DH received, but $1,106.73 on our own). 2 PIF, 5 to go. Balance on little one is $5,387.84
BS3 - 3-6 month emergency fund - need to
One of the things I wanted to work on during 2016 was to begin tracking our spending. Below is our actual average monthly spending (and what's in parentheses is what I "thought" we spent) that I was WAY off on:
Gas- $340 ($700)
Auto repairs and registrations - $896 ($100 !!!!)
Home stuff $450 ($50)
We also spent more than I thought on our vacation. And, my husband spent A LOT of money on his hobbies.
I know my tracking does not include all our our eating out and groceries since w
So, I usually do not do this, but I have to tell ya'll about a store I went to the other day. It was "Buford Highway Farmer's Market" in Atlanta (Doraville to be exact). It is SOOOOOOOO not a farmer's market, so if you go, don't expect it to be locally grown produce, or really local anything. But let me tell you about this store......
First it's the size of a Home Depot or Lowes. Second it's quite possibly the most wonderful store I've been to in a long time. It's basically a grocery stor
Where we are:
BS1 - $1,000 baby emergency fund - CHECK
BS2 - $84,857.84 in debt (variety)
BS3 - 3-6 month emergency fund - need to calculate what that will be when we don't have BS2.
BS4 - 15% to retirement. DH has retired. We have his retirement pension and deferred comp (over $360K) for the future. I have 5 years until I'm eligible.
BS5 - College. We have prepaid tuition for both children who are both in college. They have limited scholarships. One is self-sufficient, one is starting o
We're back from our whirlwind trip around the US. Went to visit mom in Idaho, via Albuquerque, NM, and Portland, OR. Saw 4 families of relatives, one a brother DH hadn't seen in 30+ years. We now have 6 states left in the continental US that we haven't visited together.
Had to replace two tires on the road.... no biggie since we have a sinking fund for tires. =o)
Stayed within budget.
Had a BLAST! Saw the Painted Desert, ate at a fabulous little restaurant in Albuquerque, drove the ET
Haven't posted here in a while. Thought I would update, just to be able to come back later and see how things have changed or stayed the same.
We are still in treading water mode. My commissions were cut unexpectedly at work a few months ago (I am in insurance-this was a carrier decision, not my agency's, their income is down, too.) I am doing ok selling, but when your commissions are cut by 2/3, you have to sell three times as much to make the same amount of money. I am moving into other ty
Front planting bed, I expanded it, edged it with stone, and will plant hostas in the mulch area as soon as they arrive (mail ordered).
Pinestraw around new jasmine
New azaleas on dirt berm. Need to add mulch around the bushes, and hope to get some ground cover going here too.
Trying to get some curb appeal. I'm thinking rocking chair on the porch and a big planter of flowers.
Edit to add: new plants in front
So yesterday was our first three month check up. The one where they take his blood and check his numbers again.
His A1C, when we started this journey was 11.6 (which is bad, bad, bad).... It's now 5.8! (normal being between 4.5 and 5.7)
He has lost 43 pounds. (51 left)
His total cholesterol dropped 25%.
His "good" cholesterol rose 33%.
His bad cholesterol dropped 33%.
Blood pressure dropped to "normal" numbers. (from near high)
Doc said that these numbers would indicate that he was