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Joyfully Debt Free

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Involuntary Kondo style book decluttering

I am not a fan of the Kondo style tidying up. When I saw the recommendation to pile all your books in the middle of the floor at once I knew that wasn't the decluttering method for me. Until yesterday. First a loud CRACK. Then a loud CRASH. A big ELFA hanging system fail. Dave Ramsey is buried in there somewhere . Guess I have some book sorting, half.com listing, library donating, drywall patching, repainting ahead of me.    

Plinda

Plinda

 

Financial Housekeeping

Just because you are in BS7 doesn't mean you can "set it and forget it". So far this week:   Rollover 2 CD's - if you just let the CU do it you get like .5% instead of the 3% special. Moved money from a low interest MM to a higher interest savings account. Ordered checks on 4 accounts with old addresses - we moved almost 4 years ago! Clear out a brokerage sweep account earning nothing. Called to reactivate CU account that we haven't had any activity on in over a year. Decided we don't ne

Plinda

Plinda

 

Surprise snow yesterday!

Yesterday was a nice day of unexpected snowflakes.   $7 book sold on Amazon.com $80 rewards from Costco - mostly from buying gas and 5 pounds of honey/month $225 customer loyalty dividend from a credit union   Think we'll go out for lunch today before the real snowflakes start.

Plinda

Plinda

 

Ramblings about a mundane day in BS7

Annoyed by JCPenney's basket not updating to free shipping I went to Bed, Bath, and Beyond and bought 3 rugs $19.99/ea. They let me use 3 $5 coupons.   Stopped at CVS for $2.99 toothpaste with $2.00 ECB. That's the first toothpaste I've bought in years due to a free after rebate stockpile.   Met husband at CU to roll maturing Roth CD into special 20 month 2.00% CD. Who knew I'd ever be happy to get 2% on a CD over 12 months? The majority of our retirement funds are in index funds, this i

Plinda

Plinda

 

My $.02 on motorcycles

In just 2 weeks, 2 people from my church have died and another seriously injured in motorcycle accidents. I think that totals 4 deaths and 2 injuries through the prayer chain for members and families in just the last 12 months in a medium sized church. And I could add a few more to the tally from DH's coworkers. Over the years a very high percentage of riders we know have died or sustained serious injuries and long hospitalizations. Many have had to change careers because of permanent disabi

Plinda

Plinda

 

This is why we're in BS7

My DH does not have a clue how to spend money. I just had a very deja vu conversation with him.   Perhaps 20 years ago DH received a nice bonus around $2k. The conversation went something like this: Me: So what would you like to spend your bonus on? DH: I don't know, let me think about it. 2 days later: DH: I know what I want to buy with the bonus. Me: What? DH: A bag of vermiculite. Me: You want a bag of vermiculite? DH: Yes, for the garden. Me: That's it, you've got $2k and

Plinda

Plinda

 

2013 Mid-year review

Budget: Overall a few thousand under budget but overspent in a few categories. The biggest offending line item is propane (+$650). We really need to put in some additional insulation this fall.   Net Worth: I had low expectations with the end of June's poor market performance. Sure enough, lost $12k in net worth in June. But amazingly gained over $100k YTD. That means that our investments threw off more income than DH's job so I guess we've reached DR's pinnacle point. I'm grateful fo

Plinda

Plinda

 

40 Day Eating Out Fast

We completed our 40 Day eating out fast (started before Lent). It was hard. In full disclosure, I got to eat out once a week because I take my mom out (she insists on paying) every week and we agreed that it wasn't fair to impose our fast on her. I realized a couple of things. First, a lot of eating out is due to failure to plan. That meant I had to be much more disciplined and flexible in planning as well as shopping. Second, a lot of eating out is habit - at Costco/get pizza combo - trav

Plinda

Plinda

 

To ROTH or not to ROTH

Every year I go through this exercise to decide whether to use traditional or ROTH retirement vehicles. Your numbers may differ and you may disagree with my conclusions but I think everyone should understand and go through the thought process, not just blindly choose one or the other.   I look at our income for the year (2013 in this case) in layers. $7,800 Personal exemptions - not taxed (you would use $3900 x your # of exemptions) $12,200 standard deduction (for 2 filing jointly) or yo

Plinda

Plinda

 

We'll Be Homeless In 40 Days

If all goes well we'll be homeless in 40 days and happy about it! We have an offer on our S CA house after 6 weeks on the market. It seems like a long wait since all of our other houses have sold in 1-7 days but times are different now and we are grateful and anxious to move on. There is a peculiar phenomenon in CA though in that real estate contracts seem to be written in jello and "fall out of escrow" all the time. Fingers are crossed.   In the meantime we have submitted an offer on an e

Plinda

Plinda

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