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cadberry

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Everything posted by cadberry

  1. We have been on "Stay in Place" since Wednesday and before that it was "encouraged" - but my job is still open (gov't) and unless/until they offer administrative leave, I am not inclined to burn through my personal leave and our office doesn't have the equipment to let people work remotely. We have the capability, just not the equipment. They have supposedly ordered 5 laptops for our 14-person office. Three people do need to stay home because of age and/or underlying health conditions, so that leaves two that they want to hold in reserve in case someone else needs it because of exposure or
  2. I don't know about you, but I'm getting corona-weary. I never thought I'd experience something like this in my lifetime. Previous generations had wars and unrest and uncertainty. I know 9/11 changed so much about how we lived our lives, but this coronavirus feels like it is changing our society on a more personal level. I don't know how long it will be before it peaks in our country, but I do know that how people communicate and interact with each other, for business, leisure, well-being is changing. In a way it feels like we're beginning to look up from our phones and other devices to see
  3. 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.
  4. 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
  5. cadberry

    Go away, Murphy

    At least it's not a big fix!
  6. Murphy is trying to knock on the door. Our 21-yr old dishwasher is on its last legs; we've kept it going the last couple of months while finishing up what we owed other people, but now we need to figure out what to do. We switched to using a different cycle which seemed to help, so we think something is wrong with the sensors, but even on the shortest cycle, it's still not reliable. We have $750 in the "home appliance replacement" fund that we could put towards it; there are several places that have sales ongoing and we've called the plumber to see what he would charge to do the installatio
  7. We've planned our first debt-free vacation! We're doing a weeklong cruise to Bermuda, paid for in cash. It will be later this year. This is the first vacation we've ever done that we haven't used a credit card to reserve / pay for. It's very cool to know that we aren't going to have to pay for it, because we've paid for it! Does that make sense? We budgeted for our onboard expenses and excursions, too, and have that set aside in a separate envelope. It feels a bit surreal to have a vacation to look forward to after not for so long.
  8. It's been a long time since I browsed the aisles at the grocery store. I shop with a list, with coupons, with the ad, with a relatively decent plan for what we're going to eat in the next week. I look for loss leaders, stock up where I can, etc. But today I took the time to actually look at the shelves and think about how we can add some variety to our "rice and beans" but still maintain an appropriate grocery budget. My "splurge" was a box of oven-ready gluten-free lasagna noodles that came with instructions for making the lasagna. It doesn't call for meat and the jarred sauce was BOGO a
  9. cadberry

    Living...

    So we've closed the BS2 chapter. BS3 is done, too, thanks to the inheritance from DH's father. BS4 - made the changes this week to bump up my retirement contributions to 15%. BS5 - well, both our sons will be done soon - one later this year and one next spring. Between prepaid college and their scholarships and part-time job earnings, it's covered (with a little help to DS-away as he's finishing). Our mortgage has been paid for years. So that brings us to BS7. We're ready for you! Dave always asks couples what the secret to getting out of debt is... I have to agree with all of thos
  10. Welcome back - it sounds like you've had a lot to deal with in the last few years, and now you're gaining control over the things you can.
  11. Good for you for continuing to pursue your degree, even while it takes up a lot of time.
  12. Miranova - it was definitely worth checking into.
  13. Miranova, I am glad your tenant is being understanding - we are beginning to see people being mad and unreasonable in our area about things that just take time no matter how many people you have working around the clock. While situations like these often bring people together, there are some who use the opportunity to raise points of conflict. It truly reveals a person's nature - those who tend to seek the good in things and serve others, and those who are only out for themselves. I hope you're able to get the place repaired and that it can happen quickly for the sake of the tenants. Tha
  14. 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 filled my car with gas, gotten our cash for the pay period, and we had postponed a trip to Sam's Cl
  15. cadberry

    It's August!

    You can do it! You have reasonable goals and a plan. Keep up the good work.
  16. 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 calculate what that will be when we don't have BS2. BS4 - 15% to retirement. DH has retired. We ha
  17. It's definitely eye-opening, isn't it? But that's good that you're tracking and paying attention now so you can make whatever adjustments you agree on for your priorities.
  18. Those are great ideas, and once we get the boy off to college in August, things will settle down and I'm sure he'll be ready for something for pay. He just finished 38+ years at the end of May and quite frankly it's nice to have him available to take care of errands and such during the week while I'm at work. He has talked about getting a PT job at Costco; in fact, he was talking with one of their folks last night and there are quite a few retirees who work PT there during the day while the college students work the PT shifts in the evening. In the meanwhile, he's tasked with going through t
  19. Plinda, yes, I'm working. We'll have our snowball number this weekend. Without anything besides monthly payments, Lloyd's spreadsheet says over 5 years. I say NO WAY will we let it take that long. DH has a check coming for his unused sick leave (max amount possible) which we have already designated to take care of two of them and that puts us done in 4 yrs 10 months if we didn't do anything else. There will be some left from the check but we want to hold that for college-related expenses we may not have anticipated for our son's first semester. He has his graduation money that people have
  20. 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 out and needs additional funding for the first semester while he gets a job to earn for second semest
  21. That's great your daughter is feeling better, and that you are, too. Good luck to your DH on the job situation.
  22. Getting on the same page is so critical to this process, but like you said, he is still learning. Definitely sit down together to figure out where the $80 is coming from - it would be good if it came from something that would cause him to "give up" something - for example, if it meant he had less "blow money" or there was less in groceries so he had to forego his favorite snack, coffee, cereal, whatever... that way he can see that while he can still do some of the things he wants to do, he has to plan better for it or give up something else. Good luck finding the last for your BEF!
  23. Plinda, what a great idea. I would think that much like a diet that while the goal is $20 a day, perhaps you measure success at $140/week. Because it might be you have a day where you find or make $30 and another that is $10 - same overall outcome, maybe even same effort, just different results. It's why on a weight-loss program you weigh in weekly rather than daily. Does that make sense? And seriously, good luck with it - I am interested in seeing what things you come up with and hope to get some ideas from you.
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