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Archive for June, 2015

BF's House Under Contract

June 30th, 2015 at 05:13 pm

Well, BF and the interested buyer have agreed on a price and entered into a contract. The escrow is supposed to be 30 days. So, we will see. Smile

MrsM180 and I had a fabulous time in Seattle. We spent one night with my dear friend from childhood, two nights at my aunt & uncle's house, and spent the last day with my niece and her boyfriend. My birth mother lives near her sister and we spent time with her too. We had great visits with everyone and enjoyed some of the local sites. So good to re-connect with loved ones. Vashon Island is certainly lovely. Here is a pic I snapped standing at a window in the guest bedroom at my aunt's place.



And oh happy day, what joyous news! Our creepy neighbor has a "for sale" sign in the yard! Yay!!! Does life get any better than that? Oh please, someone, make an offer.

Offer and Counter Offer

June 24th, 2015 at 04:32 am

BF received an offer on his house yesterday for 1.02m. He slept on it and decided today to counter with 1.1m. The signed counter offer will be sent to the buyer's realtor tomorrow.

Keep your fingers crossed. Smile

Car Payment #7; One-Fourth Gone

June 23rd, 2015 at 03:25 pm

My seventh 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, $61.44 from credit card rewards, $25.00 from a wallet sweep, and $.75 from HauserNet.

Thirteen payments have now been eliminated from the end, leaving 52 payments to go.

And I have reached an exciting milestone. The loan started at 16,099.00. So the one-fourth point is reached when the balance slips under 12,074.25. That point is now in the rear view mirror. Smile

I did a little CC rewards audit, to check that every penny redeemed thus far in 2015 has been applied to debt. They all have, all 30,851 of them. Some automatically to my mortgage, the rest to my car loan.

Fun Weekend

June 22nd, 2015 at 11:17 pm

This past weekend went by in a blur, but it was such fun. Smile

On Friday, BF and I went to a concert. Brian Setzer (of Stray Cats fame) opened for George Thorogood. What a fun show! It was outdoors and the temperature was definitely warmer than I would have liked, but still so fun. Everyone in the crowd was dancing and having a great time. George Thorogood is lithe like a cat, he moves like Mick Jagger. And at age 65, he still has that deep, gravelly, booming voice. BF bought these tickets. After, we spent the night at BF's Davis house (concert was in Lincoln, in Sacramento area). BF bought dinner, too.

Saturday morning we had a nice breakfast at our favorite breakfast spot in Davis (I paid), then headed home. We spent a leisurely afternoon watching Netflix, walking the dogs, puttering in the yard a bit.

Sunday, I got up early, picked up my mom, and we headed to the Alameda County Fair. We met relatives there and just had a great day. Didn't spend too much, we all bring a picnic lunch. Still, $10 to park and $12 to walk in the gates. One of my cousins has a new baby, about 9 months old. What a cutie-pie! I just love when I get to hold and cuddle a baby. It was late by the time I got home.

This week I want to get a pedicure so my toes look cute, and get my eyebrows threaded. MrsM180 and I are heading to Seattle this Friday afternoon.

I dipped into EF and paid my credit card bill in full this month. Even though the interest rate is currently 0%, the very idea of carrying credit card debt again makes me feel ill. I just don't wanna.

Budget Getting Leaner

June 9th, 2015 at 05:05 pm

My budget is getting leaner. Child support has ended (good-bye $433 per month). My PITI payment has jumped to $1194.16, an increase of $113.52.

I am still paying J's car expenses for now. He had a job interview last week but did not get the job. He is still looking.

BF is accruing rent, but not actually paying it yet. No offers on the house yet either. BF did decide that we need lawn service as he doesn't have time to fiddle with it, and he is paying for that.

So, I have no choice but to re-jigger (is that a word?) my numbers.

I've gotten a bit lax about tracking my spending. I know it's been over, (waaaay over) and I just don't want to look! But as of June 1, I am back to tracking each dollar.

I'm not going to be able to pay my credit card bill in full this month. There have just been too many big expenses in the past few months. Big dental bills for both J and I (I have no dental insurance, J's new dental insurance is not accepted at our dentist), prom, senior trip, big car repair, and ouch-y high car insurance, all on top of everything else. They have ganged up and made a formidable enemy! I will be able to get away with paying no interest, which is a small comfort.

So, how am I adjusting my budget? Much as I hate to do it, I have eliminated the $50 extra car loan principal payment. I have trimmed CurveBall to $300, which is not enough. Further, I'm going to have to use it for credit card debt repayment for a bit.

I have trimmed my grocery budget from $550 to $500, which I'm not entirely certain I can do. That's groceries for me, J, two dogs, and general household supplies. MrsM180 and hubby buy their own groceries, and BF picks up some groceries. However, we really don't have a hands-off policy on general items. We tend to make enough dinner for everyone, regardless of who bought the groceries. And when it comes to milk, salad dressing, bread, we just share. When it comes to specialty items, we tend to ask the purchaser if it is OK to have some, but people mostly say "yes". I'm not going to tell someone who is hungry that they can't have my granola bar, or whatever.

So in short, I'm not real tickled, but it is what it is. For now, this is what it is.

Mortgage Chips To Date

June 4th, 2015 at 09:01 pm

I have made my scheduled mortgage payment, along with an extra $8.13. My new balance is $169,175.00.

Chips to date: $1,715.46

Interest savings this month: $6.15

Interest savings to date: $87.51

Eventually, the interest savings on the chips I have already made will compound to $3,734.69, provided I own this house until the mortgage is paid in full. Which I won't. Stick Out Tongue

Net Worth 5-31-15

June 1st, 2015 at 04:15 pm

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