Jump to content

Gelly's Blog

  • entries
    49
  • comments
    319
  • views
    3,411

Gaining traction

Gelly

197 views

Today feels pretty good! It was my first paycheck of 2015 and I am getting a clearer picture of what my usual paychecks will look like with the HSA , tax & insurance adjustments.

We will be adding to the debt thermometer at home tonight! Today I am paying OFF the hospital + sending cash to the Doctors Clinic.. and I sent $95 to the VISA already. I love updating my balances on LLNOE.

Also, I began funding the Sinking Fund which is kept in a savings account linked to our joint. I already know I'll be using most of it to buy replacement filters for the range and fridge water, and oil and filters for the Denali's oil change. But it feels good knowing that's exactly where the money was supposed to come from and it was planned for! I should also get working on a SF spreadsheet to track planned and actual for assistance on next year's #'s.

And you guys will be happy to learn that this oil change we will be getting will NOT be $80+... Nor will it be $26 at BIL's dealership.. It'll just be the cost of supplies, as my other BIL offered to do the labor at his own home.

 

I said last time I would be posting the budget again due to revisions..

 

Monthly Income $4040 (assuming DH has 80hr paychecks!)

 

Monthly Expense

Mortgage $1150

Groceries $500

Gas $260

Meds $200 (still not set in stone, this tweaks up and down, likely will adjust as we set up auto delivery and I include progesterone + prenatals)

Sinking Fund $160

Tithe $160

Cell phone DH $110 (just got a company phone & put my personal line on hold for 3 mos to ensure that this situation works fine for me before paying the cancellation)

Car Insurance $102 (2005 Saturn Ion and GMC Yukon Denali + DH is 24y/o, I think this is a good price)

Power $80 (actual average of past 12 mos)

Boot Camp $80 (my fitness class M/W/F mornings)

Kay Jewelers $60

Home Security $43

Water $35 average

Internet $31

Netflix $9

VISA - $95 min payment

Total $3075

Snowflake $985

 

I gotta make this quick, but on the non-financial front we are doing pretty good. DH & I are working hard on communication and have generally fought less on average (I think), and still look forward to our counseling. Got the official insurance pre-approval letter to bring to our first appointment so that is a small weight off my shoulders.

Been working the Flylady babysteps and being more conscious of cleaning/keeping to a routine, and decluttering in small steps. House is not in perfect tip top shape but it's a hell of a lot better than it was pre-holidays.

At work, things are pretty exciting. My manager asked for volunteers to work on a large scale project in Seattle metro area for 4-6 weeks here soon. I told him if we could work out the logistics I'd be willing to consider it. The company would definitely pay for my ferry fares everyday, but they are paying lodging for other engineers on the east end of the state (it's a 6-hour one way drive for them, only 1.75hrs for me including the ferry ride). It would be more ideal for me to stay in a hotel during the week but paid commute is fine with me, too. I'd probably be allowed to drive the company truck daily for the project.

 

Anyway, update was overall a good one. I can't wait to get more stuff paid off, crossed off the list, etc!

  • Like 3


13 Comments


Recommended Comments

Congratulations on the progress, good job!

 

A note on filters.  I get fridge filters on Amazon or ebay at a fraction of the home store price.  Car air and oil filters used to be cheapest at Walmart but ours are now way cheaper at Amazon so do your comparison shopping now and be prepared so you don't ever get gouged again.

  • Like 1

Share this comment


Link to comment

I actually looked up my fridge filter part # on amazon and Google and other sources a week or 2 ago. The best deal with shipping is a 3-pack which would last us 1.5 years (replacing filters every 6mos). Very happy with that!

Share this comment


Link to comment

JMO, but I don't think the filters need to be changed every 6 months unless you have something awful in your water or you use a ton of it.  We do ours once a year.  I have bought 3 packs too.  The retail cost of filters is crazy.  But it's still cheaper than buying bottled water.

  • Like 2

Share this comment


Link to comment

probably something worth considering. our fridge alarm thingy goes off every 6mos, but we got the house and fridge Fall 2013. Still using the same filter and the water tastes fine, no weird buildup on the dispenser that I can see. It's well water taken from one of the 3 wells in the development here. so it's probably decently clean? I would definitely feel better having it replaced soon and staying on a schedule even if its not as little as 6 months in between.

Share this comment


Link to comment

Sold the Wii console today on a FB group page for $80. DH and I had agreed on what to do with the $ before it was sold, and that agreement was 50/50. $40 for him and $40 for debt, I am happy and so is he... Tomorrow I will probably send that $40 toward the VISA even though it's not the smallest debt. But it is the one accruing interest.

 

Also my work offers a wellness program that pays you for doing various healthy activities. I can earn $600 in Visa gift cards per year and this is the first year that my DH can do the same for a total of 1200! So, I completed a 'wellness coaching session' of 3 phone appointments on stress management in 2014 which nets me $200 (coming in the mail soon). For 2015 I enrolled in a nutrition program for another $200 (probably will get that in April or so). I've also completed an assessment and some online programs. I have $100 or $150 coming in the mail in addition due to those. I am on a roll! Getting DH's account signed up tonight.

  • Like 2

Share this comment


Link to comment

It probably depends on your well water, ours is so full of calcium sediment that the 6 month filter barely lasts 6 months!

  • Like 1

Share this comment


Link to comment

Tried to pay off the hospital last night but the funds weren't in the HSA yet! Argh! I am so antsy, that 24 hour delay really irks me! However I was able to pay them off today - woo woo woo! Even DH was excited to hear about it, I love that he is into this plan this time around. also threw the $40 Wii money at the Visa. Looks like I'll be updating balances again :)

 

Lost my debit card - pretty sure I threw it out with the pharmacy bag from the progesterone which was my last debit purchase. Oops, good thing I do cash envelopes now and getting a replacement card won't be a stress for me.

 

Now to tackle Kay Jewelers and turn that into a thing of the past!

Share this comment


Link to comment

I'd probably go with 6 months on well water too.  We have city water so it's already treated.  Definitely, I'd change it in a new house since you don't know how long since the previous owners changed it.

Share this comment


Link to comment

Oh no, the house is brand new, i bought it from the builder. and the fridge was new too so we have been the only people drinking from it :) I'm honestly of the mind that our water is great and will probably not change the filter every 6mos because the water still tastes fresh and awesome. It's just the initial stocking up on filters that stings a little, good thing we have a fund for it though.

 

Yesterday was my little sister's b-day and so I gave her $10 from our sinking fund :) Parents took everyone out for dinner at our fave Indian place. Makes me smile everytime I am there because the waiter (the owner) ALWAYS remembers us.. Even if we haven't been in for months. It's amazing.. Also - happy dance for a paid meal with leftovers, I suppose!

 

Drafting up a grocery list for today.. I have to get breakfast, snack, lunch and dinner foods all for $125, should be interesting! the balance between eating healthy and saving money can be sometimes difficult. My diet is not Paleo like it once was, that gets expensive fast. But clean eating is what we aim for now.

Share this comment


Link to comment

just learned that i can remove and clean and air dry my microwave/range grease filters rather than buy new! so i just finished doing that and they are drying. Yeah!

Also got a statement from Doctors Clinic, with our official balance $364.89 after our payment yesterday. I dont know for sure whether any more charges will come forward. The statement describes services performed on dates Oct thru Nov 17th; well he's had post-op and physical therapy appts throughout Nov and Dec so I am willing to bet their billing is delayed and we will see some more charges.

Luckily, we will just continue to make payments via the HSA and I don't really view this debt as a Big Bad Debt, like a credit card and consumer debt are. This is manageable and somewhat planned out.

Ok, off to make some deviled eggs for a potluck at the Eagles tonight for the SEAHAWKS game! woo woo!!!!

  • Like 1

Share this comment


Link to comment

Have you tried steel cut oats for breakfast? I don't remember the last time I ate breakfast at home (before work) - even on the days I have a green smoothie for breakfast, it's made and drank on my way to work. Anyway, I recall you saying that you don't eat breakfast much - I've been making steel but oats on the weekends and putting single serving portions in mason jars to take to work. Add a little eater, heat them up, add some fruit and honey - and eat at my desk. Not sure why I can't manage to eat breakfast at home (on days I don't go to the gym), but I just can't manage to do that.

  • Like 1

Share this comment


Link to comment

I have been eating an apple on my commute this week for breakfast (in an effort to eat SOMEthing for breakfast, and snack more). But I intend to pre-make breakfast burritos and freeze, to be microwaved for consumption during my commute as well. thanks for your suggestion!

Share this comment


Link to comment
Guest
Add a comment...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

×
×
  • Create New...