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  3. texasred

    Happy New Year

    I have followed your journey since the beginning and am totally impressed.
  4. Gelly

    Happy New Year

    Wonderful updates! I wish you luck in finding the right answers for your own retirement this year. Your sons sound like they are both solid and levelheaded guys, and I am sure they will both be successful in navigating adulthood, with their parents' wise advice Thank you for sharing!
  5. cadberry

    Happy New Year

    Happy New Year, fellow LLNOE'ers. We hope you have a prosperous 2020 and meet the financial goals you've set for yourself. It's hard to believe how much things have changed for us in the last year. As a recap, we inherited money from DH's father in 2018 but didn't make a decision about using it to pay off our debts until March 2019. We used some of the inheritance to clear us from BS2 and provide the balance necessary for BS3. I was able to increase my retirement contributions to meet BS4 (DH is already retired). And BS5 and BS6 were already handled. Which landed us tenderly in BS7. We don't take it lightly that we are in BS7. In fact, we are still working on aggressively replacing the inheritance money so we can feel like we didn't "rob Peter to pay Paul." Which means Christmas wasn't much more than a craft again this year, but we were able to do more giving to others than in years past. DH and I cancelled a vacation we had planned in September (more on that later in this post); instead we used our timeshare for a week with our guys post-semester end / pre-holidays. It was nice to have a vacation that I didn't feel like we were broke! We actually over-budgeted for the trip which I think surprised us all. The reason we cancelled our vacation in September is that I had a job change. For a variety of reasons, I left a place I had worked for nearly 3 decades to do the same work just somewhere else. A better environment, an opportunity to increase my skill set, and overall improvement in my quality of life. The new place was very generous in offsetting the benefits I was losing (my insurance, for example, was only $30/month for family plan at my former place as the rest was covered by the employer; my new job is $180. My new job offered more salary dollars to offset that difference among other things.) I have been so much happier since making the job change. (Oh, we had trip insurance on our vacation plans and even though we cancelled within penalty window, our trip insurance covered the difference so we didn't lose anything). Other accomplishments: DSHome graduated in December! He started a full time job in July in his field. He is looking forward to having "just work" now after doing a semester of full time school and full time work. We are so proud of him. He'll still be DSHome until he moves out hopefully by summer. He's been saving his money and has enough saved up for a car and moving expenses already. So we'll help him start looking for a dependable car this month and then an apartment in the spring. (He's our son with Asperger's so everything is a step at a time.) DSAway is one semester from graduating himself, but he's not sure what he wants to do / where he wants to live after college. He'll be participating in career fairs, etc., this month, and I'll continue "job coaching" him in terms of alerting him to possible positions of interest. His lease expires the end of July so he has until then to have his next steps figured out. As for me, while I love my new job, I am thinking about retirement. I'm 14 months away from being eligible, so I'll have some big decisions to make with DH later this year. I do want to have the inheritance money replaced before I retire, so that's a goal and will play into the timing. I am using Lloyd's spreadsheet to project how much each month we need to replace in order for me to retire at various points in time. Dhis 8 years older than I am, so I don't want to delay too long on retirement for us to enjoy some time before we're unable to physically. Thankfully I am enjoying my work and expect that to continue, so it's not like I will "need" to leave. Just things to consider. So all this said to say we are looking ahead to an exciting year ahead of us, finally with a feeling of financial peace!
  6. I meant to write that the pest company heated my in-laws house to 400 degrees to get rid of the bugs. Ick all around!
  7. Back again, and not very happy about it. This time, I've got to work the plan and plan the work!!!

    1. kelvan80

      kelvan80

      But at least you have a place to land.  :-) Welcome home!

  8. Have you returned???

    1. xMoonBabyx

      xMoonBabyx

      Yep :) Just wish it was under better circumstances lol

  9. That's amazing. $10 in 3 years. Utilities had to go up by at least that much.
  10. going up $10. And I don't even care. Glad I'm debt free. I don't like that it's going up but I worried about it for about 1 minute. They did not even mail me the letter they left it outside my door. cheap skates did not want to spend money on 36 stamps. lol. I just got a small raise so the rent increase eats that up. Perfect timing! I pay $685 month (new rate) which includes water and electric. still not a bad deal for an apartment in my state/county. My apartment is 420 sq feet, an efficiency.
  11. they make my skin crawl when I'm in a room that has hundreds of them in there. I learned how they mate and how they feed, which was interesting but creepy at the same time. learned about how they get around... they don't fly they hitch rides on things to travel... interesting stuff. Cant figure out why God would create such a bug that feeds on our blood, but I can't see what purpose they serve in the insect world... and to think my mom and grand-mom use to tell me "good night sleep tight don't let the bedbugs bite". lol. If you travel (even if travel to you is staying overnight at a friends or family members house) check around the bed (and where the walls meet the ceiling) for signs of them before you bring your luggage in the room... you need to look for dried blood, feces, eggs, and exoskeleton's... all signs of a bed bug infestation.
  12. My brother-in-law did an overnight sleep study and brought home bedbugs. His wife is DH’s sister and she told me she was ready to burn down their house. They had to evacuate and take oil paintings and candles with them (so they didn’t melt) and stay in a hotel, because the pest people heated the interior of the house to 104 degrees or so to kill all the bugs. Makes my skin crawl to think about it.
  13. Just a warning, if you get used stuff at yard sales, garage sales, estate sales, etc. one thing you don't want to bring home is bed bugs. One way they travel is by hitching a ride on used furniture. We had bed bugs where I work, and after speaking with professional exterminators for many months, I learned way more about bed bugs than I wanted to know. I pretty much don't take any used furniture home after learning about these critters. Ive seen apartments where a few bed bugs turned into 600+ in a short period of time. they can be hard to get rid of and treatments are not cheap. Just wanted to share this not to scare you but to warn you, just a heads up.
  14. kelvan80

    Vacation Plans

    We went to Disneyland on our first debt free vacation. Kiddos were 3 and 5 and I remember it like it was yesterday! Congratulations!
  15. nicolegrey

    Vacation Plans

    We are going on a cruise in July to celebrate 12 years of married bliss! We are heading to the Caribbean! Cruises are a lot of fun. Especially when you are paying in cash. Enjoy!
  16. Welcome Helen! What step are you on? How did you hear about LLNOE?

  17. So there was a leak in the a/c for the vehicle to the tune of $875+. And our home a/c needed a relay replaced when we had its annual service, so that was $245 (inclusive of the annual service fee). We did get the new dishwasher but it is sitting in the garage until after our next payday. We are putting in the application for a $40 credit on our utility bill because of the new dishwasher. Everything was cash flowed and we were still able to add some to the savings, but not as much as we wanted. I had a slight panic moment last weekend when paying bills in that I thought I had missed the car payment and was going to be late... of course I hadn't, since we didn't have one! Our DSs are finishing up the semester; one more week for DS-away and two weeks for DS-home. DS-away will move home for summer to do his paid internship. Thirty hours a week, so that's more than he originally expected.
  18. Just updating some numbers for reference since I sent $2k in contributions to dh's Roth: 403b: $25,673 (just increased my contributions to $300/paycheck up from $270, + 2% match) Old IRA: $7,219 Dh Roth: $12,710 My Roth: $8,828 Total $54,430 Mortgage balance $89,597
  19. cadberry

    Go away, Murphy

    At least it's not a big fix!
  20. namaste

    Go away, Murphy

    Man, our toilet seat broke, well that's number 3, so hopefully Murphy will stay away. Looking for pennies, not Murphies.
  21. namaste

    Living...

    Oops, saw cadberries other thread about increasing retirement.
  22. GreatLakesGirl

    Living...

    Who are you asking?
  23. Phew, glad Murphy moved on since he was camped at our house in March. But I'm sorry he's taken up residence with you.
  24. DebtBgone

    Go away, Murphy

    Years ago I was driving around a $1k Craigslist-mobile that needed an a/c compressor. The cost to repair it would have been almost half the value of the car! Seriously, I think it was $400-500 dollars for a new one. My husband found one on ebay for $30! And then he and his brother fixed it themselves. I was one happy camper! Maybe a deal like that could come along for your car.
  25. namaste

    Living...

    That's awesome! With fewer monthly expenses will you be putting more into retirement? Putting any more into charity? It's so great to start really paying yourself.
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