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Archive for March, 2015

Car Payment #4

March 24th, 2015 at 03:20 pm

My fourth scheduled car payment has posted. I have updated the spreadsheet on my "My Car Note" page, if you care to take a peek.

This month extra principal payments included $160 from my part-time job, $37.50 from credit card rewards, $20.00 from a payday loan, $10.00 from a wallet sweep, and $3.00 from Hausernet.

Seven payments have now been eliminated from the end, leaving 61 payments to go.

Time to Plan My Exit

March 22nd, 2015 at 05:04 pm

Well, once again the nut trees are all in bloom and I cough day and night. Cough until I am dizzy, cough until I vomit, then cough some more. Last year in spring I coughed for only one month and I was euphoric. (Last year was my first spring on allergy shots.) This year it has been almost two months already and the cough is still here. So I don't know if this spring is worse or the shots become less effective over time or what.

Once the cough is finally gone, I will have several months without it until it is time to harvest the nut trees, then the cough will be back.

I am ready to leave this nonsense behind and plan my exit. I intend to list my house for sale next spring come what may. Once it is sold, I will move into an apartment and then begin my long-distance job hunt. If I have to accept a lesser job with a lesser salary, that is what I am going to do.

I am planning to relocate to Reno, Nevada. The high elevation and dry air are exactly what my allergy doctor says I need. The relative proximity is great as I will still be able to visit with my mother. (About a 4 hour drive from Reno to my mom's house). There will be some adjustments, but I choose to look at it as a grand adventure.

BF intends to move with me. Everything is very good between us. He has a part-time job here in my town now. His bridge loan did fund but I was not repaid as the proceeds were much less than planned. He was required to pay 12 months interest up front, which was sprung on him at the last minute. That came out of his proceeds and did not leave him with much. (The first six months is non-refundable, the second six months is). However, the contractor and all sub-contractors were paid in full to date, so the contractor is moving ahead with the last few things. Fingers crossed that the house goes on MLS shortly.

Mortgage Chips To Date

March 4th, 2015 at 08:48 pm

I have made my scheduled mortgage payment, along with an extra $11.45. I received another $25 credit from WF Home Rewards Visa. My new balance is $170,100.00. An exciting milestone is on the horizon.

Chips to date: $1,662.71

Interest savings this month: $5.80

Interest savings to date: $69.31

Eventually, the interest savings on the chips I have already made will compound to $3,578.75, provided I own this house until the mortgage is paid in full.

Net Worth 2-28-15

March 1st, 2015 at 08:26 pm

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