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Archive for August, 2014

Just Couldn't Stand It

August 27th, 2014 at 04:38 pm

I just couldn't stand it, I had to make a mortgage chip! I decided to pay an extra $35.28, just to make the balance a nice round number. Yes, I need to be saving cash. But, it made me happy, so I did it!

Things have been going very well with BF and I. I enjoy his company so very much. I know getting his mom's house ready to sell has been so hard for him, but he is powering through. Of course, when you gut the kitchen all the way down to the studs in the walls, it often takes longer than expected to get everything done. But, the house is almost there. I will take pics this weekend and post them.

My mother is considering booking a cruise for 4. This particular trip sails from LA and visits Cabo, Puerta Vallarta, and Mazatlan. It is a 7 day trip. My mother wants to do this trip with J, yours truly, nephew, and herself. The price is quite reasonable at $499 + port tax of $95, per person. I know I said no more vacations until after my next car is paid for, but I'm not going to turn down a trip someone else is offering to me. I will have some costs of course. I told her I would pay for the gratuity and to park my car for a week. I will also probably pay for our gas down and back. I may pay for J to do a fun excursion or two, depending on what is offered.

Extra Swept to CurveBall

August 18th, 2014 at 12:02 pm

I just paid all of my bills for August, and had $91.76 "extra" in checking. Off to CurveBall it went. I just love it when I get to sweep "extra" money to savings or debt. Smile

Car Fund Update; Car Thoughts

August 18th, 2014 at 09:01 am

HauserNet paid me for February, $2.25.

My part-time job paid me $160 for July's work.

My budgeted automatic transfer of $170 happened.

And we are up to $739.87 in Car Fund.

I have been thinking about my car needs. I was thinking small SUV for several reasons. I am not used to driving in snow and I might like to tow a small travel trailer one day. Upon further investigation, I have learned that towing a travel trailer with a small SUV is not recommended. On another forum I visit, there was a thread recently discussing driving in the snow and many people there reported driving in sedans with front wheel drive and snow tires and doing just fine. And many of them live in places which get much more snow than Reno, NV. That started me thinking that perhaps I don't really have a compelling reason to spend more to buy a small SUV and more to keep gas in its tank.

So, now I am thinking car. But, I would like a hatchback for easier in/out with bicycles. I have been browsing online, pricing cars which come with a hatchback option. Of those, I really like the looks of the Ford Focus hatchback. They are super cute! I'm not crazy about the Ford brand, though. I still have plenty of time to think about it.

Car Fund Update; Personal Stuff

August 8th, 2014 at 08:43 am

HauserNet coughed up $4.25 for decoy mail in January.

I redeemed $23.90 in credit card rewards from Capital One Quicksilver.

Barclay's paid a whole 12 cents in interest.

And we are up to $407.62 in Car Fund.

Also, redeemed credit card rewards for the year is up to $919.41.

J has one more driving school session, and it culminates with a trip to the DMV for his behind the wheel test. Yay! And then my car insurance will skyrocket. Boo!

BF has been at my house all week, and we are driving to his house this afternoon. J will be going too, as he will spend the night at his friend's house (the friend lives in the same town as BF). I think I will just let J drive. Wish me luck!

I took J shopping for school clothes a few days ago. He got 3 pairs of jeans, 4 t-shirts, 1 real shirt with buttons, collar, and sleeves, and a package of socks. It came to $211. School starts Monday.



Mortgage Chips To Date

August 8th, 2014 at 08:40 am

Even though I am not actively chipping at the present time, the interest savings continues to compound, and I want to continue to track it.

During July, I automatically chipped $25.00 from Wells Fargo Home Visa credit card rewards.

Chips to date: $1,424.64

Interest savings this month: $4.99

Interest savings to date: $31.03

Eventually, the interest savings on the chips I have already made will compound to $3,137.52, provided I own this house until the mortgage is paid in full.

Craig's List Score

August 4th, 2014 at 03:17 pm

My oven has been behaving badly for several months now. On Friday, I had MrsM180 pick up some take and bake pizza. Well, I had a heck of a time getting that dough to cook. BF was here, and he said I should look for a new stove on Craig's List. I pooh-pooh'd that idea. I mean, I don't want to deal with Craig's List people and looking at used stoves, not knowing what questions to ask, etc.

Sunday morning when I woke up and trotted out to the living room, BF was sitting on the couch with my laptop. He said "look at this", and I saw he had found a stove and microwave just listed that morning. They looked clean, and very similar to the models I have now. They were asking $100. (The microwave is the built-in kind that matches the stove).

I talked with the owner yesterday. He stated they both work perfectly, but that he and his wife had upgraded their appliances to stainless steel. He was working yesterday, but said we could come this morning (Monday) to see the appliances. BF said he would deal with it, and I handed him $100.

BF texted a bit after nine that he was on his way to my house with my new appliances. I hope the installation went well. I can hardly wait to get home and see! Smile

Net Worth 7-31-14

August 1st, 2014 at 11:41 am

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




Car Fund Update:

I received $4.25 from HauserNet and added that to car fund. With that deposit plus yesterday's interest, it is up to $383.72

Credit Card Rewards Update:

My Wells Fargo Home Rewards Visa still gets some use. It automatically redeems in increments of $25. When the billing cycle closed last week, sufficient rewards were available and so $25 was applied to my mortgage balance. So, I made another mortgage chip despite myself. Smile