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Archive for January, 2014

Chippy News

January 31st, 2014 at 10:31 am

Last week I received $4.50 from Hausernet, it went off to the mortgage.

Today is payday, and I have $6 in my wallet to throw at the mortgage.

I tallied up my spending in January, and I was mostly successful. I will post once January is truly over.

Today is the day that love comes to town (song lyric reference). BF should be here tonight.

I keep waiting for MsM180 to update her blog. She reached an exciting milestone about a month ago, and has some other news being discussed and arranged.

Great Day At The Mailbox

January 22nd, 2014 at 06:22 pm

What a happy event opening the mailbox was today. Included in my mail were:

1. $100 credit card rewards check

2. $160 part-time job check

3. $912 homeowner's insurance refund check

Whoo-hoo! Smile

Coughs and Chips

January 17th, 2014 at 10:06 am

I don't think I have talked about it much, but I suffer from a recurring cough. This has been going on for about three years now. I start getting a little coughy for a week or so, then it develops into a full-blown deep, hacky, unproductive cough. I cough day and night. It lasts 2 - 3 months. It starts in late summer and continues until mid-October. It starts again in January and lasts through late March. (Yep, I am coughing now). I have seen my GP, a pulomonologist, an ENT, and am currently seeing an immunologist.

While I am coughing, I often cough until I feel light-headed and disoriented. Sometimes I cough myself into a pounding headache. Sometimes I cough so hard I trigger my gag reflex and vomit. It is exhausting to cough so much. I don't get enough rest because I wake up coughing through the night.

Yesterday I picked up yet another new Rx, and my share of cost was $180! It does seem to be offering some limited relief, so I'm not going to complain about the price.

This week I received $3.50 from Hausernet for decoy mail, and netted $7 from a wallet sweep. Both sums have already been sent off to the mortgage.

I qualified for my latest $100 credit card reward bonus and have ordered the check. It has not arrived yet.

Money In, Money Out

January 5th, 2014 at 03:34 pm

Yesterday I received a check for $160.00 from my part-time job and have sent it off to E Fund.

For my new homeowner's policy and new auto policy, I charged a total of $1,068.90. Yesterday, I received a credit to my CC in the amount of $184.82 from the old auto policy. I have transferred 1068.90 - 184.82 = 884.08 from CurveBall to pay the credit card. I am still waiting for the old homeowner's policy to refund $912 to my escrow account. When that happens, I will request a refund of the overage, and that money will go back to CurveBall. I expect it will be at least a month before all the dust settles.

So many hoops, but worth it for the $300+ savings.

This is the downside to having an escrow account. However, I do find it convenient for the most part. Also, I enjoy the 2% interest it earns.

Catching Those Credit Card Reward Snowflakes

January 4th, 2014 at 10:37 am

The reason I make an effort to earn credit card rewards is so that I can throw them at my mortgage. Last year, I didn't do a good job of catching them all. Some of them "melted". This year, I want to do much better; I want to catch them ALL.

This morning I logged on to my Capital One Quicksilver account and saw that I had $8.64 in rewards. I applied them to my balance. Next, I logged on to Wells Fargo's site and transferred $8.64 from checking to my mortgage.

I plan to make a habit of doing this once per month.

I am also planning to track my credit card rewards total in 2014. How much can I manage to earn? We will see.

YTD Credit Card Rewards: $8.64



Mortgage Chips To Date

January 3rd, 2014 at 08:30 pm

My mortgage payment posted today, bringing the balance down to $175,244.32.

Chips this month:
SwagBucks $25.00
budgeted extra $18.62
wallet sweeps $11.00
Tango $4.19
Pine Cone $3.00

Total chips this month: $61.81

Chips to date: $451.75

Interest savings this month: $1.48

Interest savings to date: $7.31

Eventually, the interest savings on the chips I have already made will compound to $1,030.52, provided I own this house until the mortgage is paid in full.

Year End Nest Egg Projections

January 1st, 2014 at 09:50 pm

As I have shared before, my goals for my nest egg are 600k in tax-deferred and 150k in my Roth.

At the end of the year, I like to take my balance and project what I may have at retirement, assuming different rates of return. On the left side are estimates showing how my portfolio may grow with no new money. On the right side are estimates showing how my portfolio may grow if I continue contributing at my current rate.





There are no guarantees of course, but the projections are encouraging. That 9% sure is pretty, but I am more concerned with the 5%.

December 2013 Net Worth

January 1st, 2014 at 08:58 pm

Cash is up. Smile
Debt is down. Smile
Investments are up. Smile
Home value is up. Smile



Ceejay is a genius! Smile

Happy New Year And A Happy Milestone

January 1st, 2014 at 11:02 am

Here we are in a brand new year. Happy 2014! Smile I hope everyone here at SA has a very happy and prosperous year.

I cannot make my usual spreadsheets as I am having difficulty with my starter Excel product. It simply will not open. I have browsed online a bit and cannot find any free programs which don't have a million buggy programs attached. Does anyone have any tips?

I have reached a very happy milestone. My current home value, when I average Zillow, Redfin, and Trulia, is 176k. I owe 175k and change, which means I am officially not underwater! It feels sooooo good! I have been happy dancing around the room.

In mortgage chip news, I did a wallet sweep yesterday and had $9 to throw at the mortgage. Take that, mortgage.