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Archive for December, 2017

Plan With Me; January 2018 Budget

December 28th, 2017 at 06:05 pm

As I have mentioned, I have become enamored with fancypants planners. I've even taken to watching YouTube channels about "planning". Videos depicting laying out a week or a budget or what-have-you are called plan with me videos.

I have no interest in starting a YouTube channel, but I thought I might give plan with me blog posts a try. How is the picture quality? Can you read it?

And please don't get too excited about my "leftover" money; it's only that high because I am expecting a short-term $400 loan to be repaid.

Edit: I don't like it. I will try to get a better picture. Tomorrow.

Update: that's better.

Ceiling Leak Fiasco

December 27th, 2017 at 12:34 pm

I briefly mentioned in passing that my house had had a leak and there were repairs to be made. Here are more details:

My HVAC unit sits on the roof. The drainage (for condensation) system failed and water was leaking into the ceiling, directly above a bedroom. Before it was noticed, it caused extensive damage to the ceiling and ruined the flooring.

My homeowner's insurance handled the bulk of the costs for clean-up and repair. However, I still need to replace the HVAC unit. I do not want to spend money repairing it as it is 20+ years old, I do not want to go through this again, and I ultimately wish to sell my house. So, replace it is.

The lowest estimate was $7880. I have 8k in my emergency fund. So currently, I am deciding whether to pay cash and hope nothing else goes wrong, or take a Heloc draw and hold on to the cash. Paying cash makes more sense, but I am finding I DO NOT want to drain my emergency fund.

For several months now, I have been bleeding cash. My new take home pay is much lower than before, and I was juggling new expenses while still covering the old ones. At this point, the house is rented and the utilities are out of my name. Hopefully, the cash bleed is behind me. But, you never do know for sure, do you?

Edit: It turns out, I am even more reluctant to take a Heloc draw! I just couldn't bring myself to do it. I hate this debt I have accumulated and don't want still more. So, I'm going to cough up the cash. Thank you all for your input.

Happy Holidays

December 26th, 2017 at 09:37 am

Hello and Happy Holidays. Smile

Well, our 22 ft home is currently parked in my mother's driveway. We have been here since Saturday and will head home today.

Living on SB's property, we have precious little internet. Our phones can sometimes access a little internet. For example, we can read our FaceBook feeds, but clicking on a post to read comments is not a possibility. I usually cannot navigate to Saving Advice.

Even so, I want to get back to posting regularly. I do go into town on occasion and of course drive to work each weekday.

Life is quiet and pleasant in our little mountain town. Recently, I have seen a bear and a coyote. I love all of these animal sightings.

I am thinking about my goals and where I want life to go from here.

Daughter Has A New Blog

December 13th, 2017 at 12:25 pm

Hello Savings Advice, just wanted to share that my daughter has a new blog. You may recall that she had one here for a time.