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Archive for April, 2018

Last Match; Cruise is Booked

April 23rd, 2018 at 01:23 pm

Last week, my final employee match was made to my Simple IRA, in the amount of $1070.00. I plan to roll it into my Roth IRA and pay the tax. It will be nice to have a bit of new money in there.

I booked our cruise on Saturday and paid an $800 deposit. Princess was having a special promotion, which is still going on I think, no gratuities. I hope that doesn't mean the crew forego their share of the gratuity, but rather that Princess pays it. That saves me $675, my mom $270 and SB $135.

The balance is due Oct 24, my late brother's birthday.

Paying For The Cruise

April 15th, 2018 at 12:33 pm

So I've been thinking about how exactly I am going to pay for that planned family cruise. I loathe the debt I am already carrying and am uninterested in carrying more.

After a great deal of consideration, I have decided to cut my 457 plan contributions from 15% to 3%. I will bank the extra take home pay and should have enough by January to pay in full. I need 7k to cover 5 fares, port taxes, gratuities, and air fare for 2. I have $1,356.25 in my travel/vacation fund right now, with 9 more $150 deposits budgeted for this year. That's $2700, I need another $4,300. I calculate I will take home an additional $2,808 this year from reducing 457 contributions. That still leaves $1500. I do have those 2 extra paycheck months. I think I can do it.

I think my retirement plans can withstand the hit. I am on track to surpass my minimum nest egg goal. This trip is very important to me. I will fill out the paperwork tomorrow and expect to see the extra take home pay beginning in May.

Plan With Me; April 2018 Budget

April 15th, 2018 at 12:20 pm



I have received one month's rent; we will see if the second month comes through or not.

I don't know why I didn't line up the dollar amounts. That would have been a lot better; oh well.

March 2018 Budget Report

April 15th, 2018 at 11:45 am



Finally tallied up March. Of course, I knew it was bad, having received no rent. The shortfall came from WF savings and checking buffer.

I took some of my overtime in pay and some in my comp time bank.

I did not need to pay AmEx anything after all; I had transferred the entire balance (I had remembered transferring balance - $100).

Unbudgeted includes a tank of gas for a trip to see my mom, one night hotel stay when a plumbing problem made sleeping in the travel trailer not such a good option, stocking up on a hair product I use called "silk drops", tax prep fee for my son and d-i-l (I just paid it, didnt even tell them), and some medical supplies from the pharmacy.

My car registration was due ($275) but I dont count that as it was paid from a sinking fund.