Cash is down.
Debt is down.
Investments are up.
Zestimate is up.
And look at this...for the first time since my divorce, if I liquidated everything I could theoretically pay off my mortgage, and have a whole $101.39 left.
Theoretical, because of course there would be severe tax consequences to completely liquidating my retirement accounts.
I continue to think Zillow has my home value too low. Trulia says 137k, which may or may not be true, but nonetheless does make me .
Archive for February, 2013
Cash is down.
I received my money from Second Spin. After reimbursing WF Visa for my actual shipping costs, I had $38.85 to send off to E Fund.
The item I asked BF to list on eBay is up to $102.50. The auction closes Wednesday. The proceeds are earmarked for E Fund.
I received my state income tax refund of $1,039. I made a 1k 2012 traditional IRA contribution and sent $39 off to CurveBall.
On Feb 1st, I "paid" my car insurance premium (6 months) with WF Visa. The cost was $534.09. I will need to transfer that money from CurveBall, but will wait until later in the month.
In late March I am going to see a play in SF with a particular group of friends. We all worked together about a decade ago. We have seen about a half dozen really good plays together, and about the same number of really good concerts. When we are able to get together, it is always super fun. So my play ticket is $60, and then there will be bart, dinner, etc. I am watching my discretionary spending this month and next, in order to afford this hoorah.
I am happy to report thus far this month, all of my spending is within acceptable parameters.
Months like this one show me, I still have so far to go. Way too much spending in "everything else". Of course, $600 was my HVAC repair. But even excluding that, it was too much. Where did it go? Mostly eating out (for convenience), which was totally unneccessary as we have plenty of groceries at home. J did get some new clothes (2 jeans, 4 tshirts), his first this entire school year. He got a new speedo for swim team. I bought him some things at Party City for spirit week. Face paint and green hair spray to be the joker. A red bandana with attached fake dredlocks for pirate day. (I figured that one will be great in the future for International Talk Like A Pirate Day, Halloween, and the occasional FSM event. Not so much for me, but for J or even BF.) I blame no one but myself.
I don't regret the J expenses at all, but because of those expenses, there shouldn't have been ANY meals out. To me, that is the point of having a discretionary category like "everything else".
Well, nothing to do but begin anew in February.
I have received my electric bill for February, and after I pay it I will have a credit balance of $504.51. February is the month they recalculate my "balanced bill pay" amount, and March is the first month I pay the new amount. I am expecting my monthly bill to drop at least $50. I will be able to trim a bit from my budget for utilities. I intend to add that amount to my automatic CurveBall transfer.
I am still waiting to receive payment from Second Spin. Looking forward to adding that to E Fund.
My wallet sweep last payday netted me $1 for E Fund. Just $1. I guess really, anything at all is a bonus because it is the unspent portion of my cash allowance. Nonetheless, I like to do a little better than that!
Tomorrow I will work a full day and bank some more OT hours. I'm looking forward to the work tomorrow, too. A client with 3 LLCs and some personally owned rental properties. I don't do her tax returns, but I get to do her accounting for the year. For some reason, I always look forward to doing her books. If I finish with her stuff before I have put in 8 hours, I have plenty of other work to choose from.